Common use of Check Requirements Clause in Contracts

Check Requirements. Any image of a check that you transmit to us must accurately and legible provide all of the information on the front and back of the check at the time of presentment to you by the drawer. Prior to electronically transmitting a digital image of the original check, you will restrictively endorse any item transmitted through the Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK and your deposit account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital image of the check transmitted to us using Mobile Deposit Services must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (c) other information placed on the check prior to the time and image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, including the requirements under Regulation CC, or any other regulatory agency, clearing house or association. The image may be rejected for quality purposes if it does not meet the criteria set forth in this Agreement. You agree that we shall not be liable for any damages resulting from a check or item’s poor image quality, including those related to rejection of or delayed or improper crediting of such check or item or from any inaccurate information you supply regarding the check or item.

Check Requirements. Any image of a check that you transmit to us must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment to you by the drawercheck. Prior to electronically transmitting a digital image of scanning the original check, you will must restrictively endorse any item transmitted through the Mobile Deposit Services by endorsing back of the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK with “For ViaCU Mobile Deposit”, and your deposit account number, or as otherwise instructed by ussignature. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we Via Credit Union may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital scanned image of the check transmitted to us using Mobile Deposit Services must accurately and legibly provide, among other things, the following information: (a1) your endorsement, and those of any other payees listed on the check; (b2) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (c3) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of for the check must comply with will meet the requirements standards for image quality established by the American National Standards InstituteInstitute (“ANSI”), the Board of Governors of the Federal Reserve Board, including the requirements under Regulation CC, or and any other regulatory agency, clearing house clearinghouse or association. The We reserve the right to reject any check or item transmitted through Mobile Deposit at our discretion, without liability to you. We are not responsible for checks or items we do not receive or for images that are dropped during transmission. An image may of an item shall be rejected for quality purposes if it deemed received when you receive a confirmation from Via Credit Union that we have received the image. Receipt of such confirmation does not meet mean that the criteria set forth in this Agreementtransmission was error free, complete or will be considered a deposit and credited to your Account. We reserve the right to charge back to your Account, at any time, any item that we subsequently determine was not an eligible item. You agree that we shall Via Credit Union is not be liable for any damages resulting from loss, costs, or fees you may incur as a check or item’s poor image quality, including those related to rejection result of or delayed or improper crediting our chargeback of such check or item or from any inaccurate information you supply regarding the an ineligible check or item.

Check Requirements. Any image of a check that you transmit to us transmitted using DA Services must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment presented to you by the drawer. Prior to electronically transmitting scanning the original check or taking a digital image picture, you will endorse the back of the original check. Your endorsement will include your signature, you will restrictively endorse any item transmitted through if an individual, or the Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK signature of an authorized signatory, if a business entity, and your deposit account Account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital scanned or mobile image of the check transmitted to us using Mobile Deposit Services must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; signature(s): and (c2) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of for the check must comply with meet the requirements standards for image quality established by the American National Standards InstituteInstitute ("ANSI"), the Board of Governors of the Federal Reserve BoardReserve, including the requirements under Regulation CC, or and any other regulatory agency, clearing house or association. Rejection of Deposit—The image Bank is not liable for any service or late charges levied against you due to rejection of any item as set forth herein. In all cases, you are responsible for any loss or overdraft plus any applicable fees to the Bank due to an item being returned. Items Returned Unpaid—A written notice will be sent to you of transactions the Bank is unable to process because of returned items. With respect to any item that you transmit using the DA Services that the Bank credits to your Account, in the event such item is dishonored, you hereby authorize the Bank to debit the amount of such item from your Account. Email Address—You agree to notify the Bank immediately if you change your email address from the email address provided on your Application, as this is the email address where the Bank will send notification of receipt of remote deposit items. Unavailability of DA Services—DA Services may at times be temporarily unavailable due to system maintenance or technical difficulties including those of the Internet service provider and general Internet access. In the event that DA Services are unavailable, you hereby agree and acknowledge that an original check may be deposited at the Bank’s branches or through some of the Bank’s ATMs or by mailing the original check to the Bank at P.O. Box 990, Manchester, NH 03101-0990. It is your sole responsibility to verify that items deposited using DA Services have been received and accepted for deposit by the Bank; provided, however, that you will receive notification of items that are rejected by the next business day following the day the item is rejected by the Bank. Business Day and Availability Disclosure—The Bank’s regular business days are Monday through Friday, except holidays recognized by the Bank. DA Services are available during the hours of 8:30 a.m. to 5 p.m., Eastern Standard Time, each business day. St. Mary’s Bank Member Contact Center is available Monday through Friday, except holidays, 8:30 a.m.–7:00 p.m., Saturdays 9:00 a.m.–12:30 p.m. How to Contact the Bank Funds Availability–You understand and agree that, for quality purposes if it does not meet of deposits made using DA Services, the criteria place of deposit is Manchester, NH. Deposits presented before 5:00 p.m. each business day will be credited on the same day. Deposits received after 5:00 p.m. will be posted the following business day. With regard to the availability of deposits made using DA Services, funds from check deposits for personal accounts will be available as set forth in this Agreementour Funds Availability Disclosure located in the Information Concerning Your Personal Accounts brochure, provided to you at the time of your Account opening. Accountholder's Warranties–You agree that we shall not be liable for any damages resulting from a hereby make the following warranties and representations with respect to each image of an original check or item’s poor image quality, including those related transmitted to rejection of or delayed or improper crediting of such check or item or from any inaccurate information you supply regarding the check or item.Bank utilizing DA Services:

Check Requirements. Any image of a check that you transmit to us must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment to you by the drawer. Prior to electronically transmitting a digital image of the original check, you will restrictively endorse any item transmitted through the Mobile Remote Deposit Capture Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK “For deposit only, Valley Strong Credit Union and your deposit current business account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile the Remote Deposit Capture Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital image of the check transmitted to us using Mobile the Remote Deposit Capture Services must accurately and legibly provide, among other things, the following information: (a1) your endorsement, and those of any other payees listed on the check; (b2) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (c3) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established from time to time by the American National Standards InstituteInstitute (“ANSI”), the Board of Governors of the Federal Reserve Board, including the requirements under federal Regulation CC, or any other regulatory agency, clearing house or association. The Upon receipt of the digital image, we will review the image may be rejected for quality purposes if it acceptability and will convert items meeting our requirements into substitute checks to facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a digital image of a check does not meet constitute receipt by the criteria set forth in this AgreementCredit Union. You understand that, in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or that we are responsible for any information you transmit to us. We are not responsible for any image that we do not receive. Following receipt of the image, we will process the image by preparing a substitute check. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for remote deposit into your account and, in the event, we reject an item for remote deposit, you understand and agree that you must deposit the original item. You understand and agree that even if we do not initially reject an item you deposit through the Remote Deposit Capture Services, we may return the substitute check we created because, among other reasons, the paying bank deems the electronic image illegible. Our failure to reject such an item shall not be liable limit your liability to us. You understand that any amount credited to your account, for items deposited using the Remote Deposit Capture Services is a provisional credit and you agree to indemnify us against any damages resulting from a check or item’s poor image quality, including those related to rejection loss we suffer because of or delayed or improper crediting our acceptance of such check or item or from any inaccurate information you supply regarding the check or itemremotely deposited check.

Check Requirements. Any image of a check that you transmit to us must accurately and legible provide all of the information on the front and back of the check at the time of presentment to you by the drawer. Prior to electronically transmitting a digital image of the original check, you will restrictively endorse any item transmitted through the Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK OF XXXXX and your deposit account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital image of the check transmitted to us using Mobile Deposit Services must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (c) other information placed on the check prior to the time and image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, including the requirements under Regulation CC, or any other regulatory agency, clearing house or association. The image may be rejected for quality purposes if it does not meet the criteria set forth in this Agreement. You agree that we shall not be liable for any damages resulting from a check or item’s poor image quality, including those related to rejection of or delayed or improper crediting of such check or item or from any inaccurate information you supply regarding the check or item.

Check Requirements. Any image of a check that you transmit to us must accurately and legible provide all of the information on the front and back of the check at the time of presentment to you by the drawer. Prior to electronically transmitting a digital image of the original check, you will restrictively endorse any item transmitted through the Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE State BANK and your deposit account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital image of the check transmitted to us using Mobile Deposit Services must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (c) other information placed on the check prior to the time and image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, including the requirements under Regulation CC, or any other regulatory agency, clearing house or association. The image may be rejected for quality purposes if it does not meet the criteria set forth in this Agreement. You agree that we shall not be liable for any damages resulting from a check or item’s poor image quality, including those related to rejection of or delayed or improper crediting of such check or item or from any inaccurate information you supply regarding the check or item.

Check Requirements. Any image of a check that you transmit to us must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment to you by the drawercheck. Prior to electronically transmitting a digital image of the original check, you will should restrictively endorse any item transmitted through the Mobile Deposit Services by endorsing the check Service as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK and “For mobile deposit only, American First Credit Union” under your deposit account number, signature or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of the Mobile Deposit Services Service as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital image of the check transmitted to us using the Mobile Deposit Services Service must accurately and legibly provide, among other things, the following information: (a1) your endorsement, and those of any other payees listed on the check; (b2) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (c3) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established from time to time by the American National Standards InstituteInstitute (ANSI), the Board of Governors of the Federal Reserve Board, including the requirements under federal Regulation CC, or any other regulatory agency, clearing house or association. The Upon receipt of the digital image, we will review the image may be rejected for quality purposes if it acceptability and will convert items meeting our requirements into substitute checks to facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a digital image of a check does not meet constitute receipt of the criteria set forth deposit by the Credit Union. Notification from us confirming receipt of an image does not mean that the check image was received error-free. We are not responsible for any image that we do not receive. We also reserve the right to reject any item transmitted through the Mobile Deposit Service, in this Agreementour sole discretion, without liability to you. We will send you an email to confirm receipt of your deposit. We will send a notice to you if your deposit is rejected in whole or in part. You understand and agree that even if we do not initially reject an item you deposit through the Mobile Deposit Service, we may return the substitute check we created because, among other reasons, the paying bank deems the electronic image illegible. Our failure to reject such an item will not limit your liability to us. You understand that any amount credited to your account for items deposited using the Mobile Deposit Service is a provisional credit and you agree to indemnify us against any loss we incur because of our acceptance of the remotely deposited check. We will notify you in writing of transactions we are unable to process because of returned items. With respect to any item that you transmit to us for remote deposit that we credit to your account, in the event such item is dishonored, you authorize us to debit the amount of such item from your account, plus a Non-Sufficient Funds (NSF), if applicable as stated in our Schedule of Fees & Services. You understand that following our receipt and processing of the image, funds from the check will be made available for your withdrawal and/or use in accordance with the terms and conditions of our Funds Availability Policy included in the Account Agreement & Disclosure previously provided to you, as amended from time to time, which is incorporated herein by reference. For purposes of determining the availability of funds, checks deposited via the Mobile Deposit Service are considered “received” by the Credit Union when you receive a notification from us that states “Deposit Processed.” You understand that we may make such funds available sooner based on such factors as creditworthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as we, in our sole discretion, deem relevant. You also understand that credit is provisional until settlement is final. You agree that to notify us immediately if you change your email address, as this is the email address where we shall not be liable for any damages resulting from a check or item’s poor image quality, including those related to rejection will send you notification of or delayed or improper crediting receipt of such check or item or from any inaccurate information you supply regarding the check or itemremote deposit items. You may update your email address in Online Banking.

Check Requirements. Any image of a check that you I transmit to us you must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment presented to you me by the drawer. Prior to electronically transmitting a digital image capturing the original check, I will indorse the back of the original check. My endorsement will include my signature and the following information: Account Number, you will restrictively endorse any item transmitted through Date and the Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK and your words "For deposit account numberonly at GenFed Financial Credit Union, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit ServicesInc. / via DeposZip". The digital captured image of the check transmitted to us using Mobile Deposit Services you must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signaturessignature(s); and (c2) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of for the check must comply with will meet the requirements standards for image quality established by the American National Standards InstituteInstitute ("ANSI"), the Board of Governors of the Federal Reserve BoardReserve, including the requirements under Regulation CC, or and any other regulatory agency, clearing house or association. The image may be rejected for quality purposes if it does not meet the criteria set forth in this AgreementRejection of Deposit. You agree that we shall are not be liable for any damages resulting from a check service or item’s poor image quality, including those related late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or delayed or improper crediting overdraft plus any applicable fees to your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Mobile Malware/Spyware and Rogue Apps – Malware and Spyware are also growing threats in the mobile environment. Developed by fraudsters, these Apps are designed to look and feel like legitimate Apps but have nefarious purposes such as capturing account numbers, passwords and other sensitive data. Another form of malware/spyware gaining notoriety are so- called rogue apps. News reports have recently noted instances of rogue Apps being submitted to the various mobile market sites (particularly the Android Market). These apps masquerade as legitimate financial institution apps and trick users into supplying account information in order to perpetrate fraud. We suggest educating yourself about these threats. Many of the same precautions should be taken to protect mobile as for desktop computers. Devices should be password protected and programs should only be downloaded and installed from trusted sources. Cached Check Images – Images captured are only stored on the phone until they complete the submission of their deposit. When a user launches DeposZip Mobile without authenticating themselves through the mobile banking program, they will access the App in ‘offline’ mode. While in offline mode the user is able to snap photos of their check or item or from any inaccurate information you supply regarding for submission later. In this instance the images that the user has captured are stored within the App until the next time they authenticate and submit the check for deposit. While the program is designed to remove the check image upon submission, It is the end user's responsibility to ensure that no residual image remains on the device and if said image is used for any purpose other than intended, user will hold harmless GenFed Financial Credit Union for any losses incurred. Securing Images on Mobile Devices – When using the mobile deposit product, I understand that check images captured using my mobile device are stored on the device only until the associated deposit has been successfully submitted. I agree to promptly complete each deposit. In the event that I am unable to promptly complete my deposit, I agree to ensure that my mobile device remains securely in my possession until the deposit has been completed or itemto delete the associated images from the application Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that you transmit to us must accurately and legible provide all of the information on the front and back of the check at the time of presentment to you by the drawer. Prior to electronically transmitting a digital image of the original check, you will restrictively endorse any item transmitted through the Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK and your deposit account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Services. The digital image of the check transmitted to us using Mobile Deposit Services must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signatures; and (c) other information placed on the check prior to the time and image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established by the American National Standards Institute, the Board of Governors of the Federal Reserve Board, including the requirements under Regulation CC, or any other regulatory agency, clearing house or association. The image may be rejected for quality purposes if it does not meet the criteria set forth in this Agreement. You agree that we shall not be liable for any damages resulting from a check or item’s poor image quality, including those related to rejection of or delayed or improper crediting of such check or item or from any inaccurate information you supply regarding the check or item.

Check Requirements. Any image of a check that you I transmit to us you must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment presented to you me by the drawer. Prior to electronically transmitting a digital image of capturing the original check, you I will restrictively properly endorse any item transmitted through the Mobile Deposit Services by endorsing back of the original check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK and your deposit account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Servicesrequired. The digital image of the check transmitted to us using Mobile Deposit Services you must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signaturessignature(s); and (c2) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of for the check must comply with will meet the requirements standards for image quality established by the American National Standards InstituteInstitute (“ANSI”), the Board of Governors of the Federal Reserve BoardReserve, including the requirements under Regulation CC, or and any other regulatory agency, clearing house or association. The image may be rejected for quality purposes if it does not meet the criteria set forth in this AgreementRestricted Endorsement Requirement. You agree that we shall to restrictively endorse the original paper checks as follows before they are scanned and transmitted for deposit: Rejection of Deposit. You are not be liable for any damages resulting from a check service or item’s poor image quality, including those related late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or delayed or improper crediting overdraft amount plus any applicable fees to your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of any of my transactions that you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such check or item or from my Account. E-mail Address. I agree to notify you immediately if I change my e-mail address, as this is the e-mail address where you will send me notification of receipt of remote deposit items. I understand that my failure to notify you in a timely manner of any inaccurate information you supply regarding the check or itemchange to my e-mail address could cause additional costs such as fees to be incurred and I agree that such costs would be my responsibility.

Check Requirements. Any image of a check that you transmit to us must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment presented to you by the drawer. Prior to electronically transmitting taking a digital image picture of the original check, you will restrictively endorse any item transmitted through the back of the original check as follows: each payees signature and the phrase "Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK and your deposit account number, or as otherwise instructed by usOnly Interra CU". You agree to follow any and all other procedures and instructions for may use an endorsement stamp in lieu of a written endorsement. Upon check submission through Mobile Deposit Services as Deposit, we may establish from time to time. Any loss we incur from place a delay or processing error resulting from an irregular virtual endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank accountincluding, but not limited to, the check must be endorsed by all such payees deposit date and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you our routing and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit Servicestransit numbers. The digital image of the check transmitted to us using Mobile Deposit Services must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signaturessignature(s); and (c2) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of for the check must comply with will meet the requirements standards for image quality established by the American National Standards InstituteInstitute (“ANSI”), the Board of Governors of the Federal Reserve BoardReserve, including the requirements under Regulation CC, or and any other regulatory regula-tory agency, clearing house or association. The image may Hardware and Software Requirements. In order to utilize the Mobile Deposit service, you must have the following hardware and software with the indicated specifications: Processing of Items. Images of items transmitted by you are processed as described under the Use of the Services section. In addition, items transmitted by you and received by the Credit Union or its subcontractors by 3:00 p.m. Eastern Time Monday through Friday, shall be rejected for quality purposes if it does not meet credited to your applicable account on the criteria set forth in same Business Day. Items received by the Credit Union after 3:00 p.m. Eastern Time on any Business Day shall be credited to your applicable account on the next succes- sive Business Day. Funds from items deposited under the terms of this Agreement. You agree that we shall not Agreement will be liable for any damages resulting from a check or itemavailable to your pursuant to the Credit Union’s poor image quality, including those related to rejection of or delayed or improper crediting of such check or item or from any inaccurate information you supply regarding the check or itemFunds Availability Policy.

Check Requirements. Any image of a check that you I transmit to us you must accurately and legible legibly provide all of the information on the front and back of the check at the time of presentment presented to you me by the drawer. Prior to electronically transmitting a digital image capturing the original check, I will indorse the back of the original check. My endorsement will include the account number to which I am making the deposit, you will restrictively endorse any item transmitted through including the words Mobile Deposit Services by endorsing the check as it is made payable including FOR MOBILE DEPOSIT ONLY XXXX STATE BANK and your deposit account number, or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of Mobile Deposit Services as we may establish from time to time. Any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. For a check payable to you and any joint owner(s) of your bank account, the check must be endorsed by all such payees and you only use Mobile Deposit Services to deposit such check into a bank account jointly owned by all such payees. If the check is payable to you or your joint owner, either of you can endorse it. If the check is made payable to you and any non-joint owner, you may not deposit the check into your bank account using Mobile Deposit ServicesCheck Deposit. The digital image of the check transmitted to us using Mobile Deposit Services you must accurately and legibly provide, among other things, the following information: (a) your endorsement, and those of any other payees listed on the check; (b1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signaturessignature(s); and (c2) other information placed on the check prior to the time and an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of for the check must comply with will meet the requirements standards for image quality established by the American National Standards InstituteInstitute (“ANSI”), the Board of Governors of the Federal Reserve BoardReserve, including the requirements under Regulation CC, or and any other regulatory agency, clearing house or association. The image may be rejected for quality purposes if it does not meet the criteria set forth in this AgreementRejection of Deposit. You agree that we shall are not be liable for any damages resulting service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to your Account due to an item being returned. Items Returned Unpaid. Notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from a check the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or itemcommunicate to me regarding any remote deposit items, if necessary. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s poor image quality, system maintenance or technical difficulties including those related of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to rejection you at Foothill Federal Credit Union, XX Xxx 000000, Xxxxxxx, XX 00000-0000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of or delayed or improper crediting items that are rejected by the next business day following rejection. Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Arcadia, CA. With regard to the availability of deposits made using the Services, such check or item or from any inaccurate information you supply regarding the check or item.funds will be available as set forth below. YOUR ABILITY TO WITHDRAW FUNDS LONGER DELAYS MAY APPLY