Common use of Check Retention Period Clause in Contracts

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one (31) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post dated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one (31) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post dated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal Central Sunbelt FCU, Acct # ". Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fifteen (3115) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks Checks: You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties Warranties: You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Eligible Items and Prohibited Checks Items: You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code (UCC). You agree that checks scanned through the use you will not scan and deposit any of the services will not; • following types of checks or other items which shall be considered ineligible items:  Cashier’s/Teller’s Checks  Checks payable to any person or entity other than you; • be prohibited bythe person or entity that owns the account that the check is being deposited into.  Checks containing an alteration on the front of the check or item, or received in violation ofwhich you know or suspect, any law, rule or regulation; • be known or suspected (or should have known know or suspected) as suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn; • have been .  Checks payable jointly, unless deposited into an account in the name of all payees.  Checks previously cashed or deposited; • be post dated or more than six (6) month old; • be payable converted to cash; • be irregular a substitute check, as defined in any way; • bear a signature of the person on whose account the check is drawn; or • be Reg. CC.  Checks drawn on a financial institutions that are institution located outside the United States. Endorsement of  Checks You agree to properly endorse each check that are remotely created checks, as defined in Reg. CC.  Checks not payable in United States currency.  Checks dated more than 6 months prior to submitting such the date of deposit.  Checks that are “postdated” after the date of deposit.  Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account. This includes any check that not produced by an approved vendor under Section 7.h of the Membership Account Agreement and Disclosures or by any other vendor that we in our sole discretion deem not to be a reputable check printer. Further prohibited are any items that lack a perforated edge; and checks that are not machine readable with an industry standard MICR code.  Checks payable on sight or payable through Drafts, as defined in Reg. CC.  Checks with any endorsement on the back other than that specified in this agreement.  Checks that have previously been submitted through the use of Service or through a remote deposit capture service offered at any other financial institution.  Checks or items that are drawn or otherwise issued by the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You U.S. Treasury Department  Checks that are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes prohibited by the Credit Union's current Membership Agreement with you. Specifically Checks that are in violation of any federal or state law, you rule, or regulation.  Checks that are representing and warranting credit card advance or other loan advance instruments.  Checks requiring signature and/or additional identification.  Checks that have been re-deposited or returned for any reason such as “non-sufficient funds” or “refer to Credit Union that:maker”.  Money Orders  Travelers Checks  Savings Bonds

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one (31) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Remote Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post dated postdated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement ExampleMust Endorse: "For Remote Deposit Only to Front Royal Southern Mississippi FCU, Acct # ". Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one (31) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Remote Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post dated postdated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal Southern Mississippi FCU, Acct # _ ". Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one thirty (3130) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through you will not use the use of the services will not; Service to scan and deposit any items as shown below: • be Checks payable to any person or entity other than you; you • be Checks prohibited by, or received in violation of, any law, rule rule, or regulation; regulation • be known Checks containing alteration to any of the fields on the front of the check or suspected (item, or which you know or suspect, or should have known know or suspected) as suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn; . • Checks that have been previously cashed or deposited; deposited • be post Third party checks • Checks that are postdated or stale dated or more than six (6) month old; • be Checks payable to cash; cash • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be Checks drawn on financial institutions that are located outside the United States. Endorsement of States • Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You written in pencil • Savings Bonds • Traveler’s Checks • Money Orders • Checks that are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes drawn or otherwise issued by the Credit Union. Specifically, you are representing and warranting to Credit Union that:U.S. Treasury Department

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fifteen (3115) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks Checks: You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties Warranties: You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Eligible Items and Prohibited Checks Items: You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code (UCC). You agree that checks scanned through the use you will not scan and deposit any of the services will not; • following types of checks or other items which shall be considered ineligible items: ▪ Cashier’s/Xxxxxx’s Checks ▪ Checks payable to any person or entity other than you; • be prohibited bythe person or entity that owns the account that the check is being deposited into. ▪ Checks containing an alteration on the front of the check or item, or received in violation ofwhich you know or suspect, any law, rule or regulation; • be known or suspected (or should have known know or suspected) as suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn; • have been . ▪ Checks payable jointly, unless deposited into an account in the name of all payees. ▪ Checks previously cashed or deposited; • be post dated or more than six (6) month old; • be payable converted to cash; • be irregular a substitute check, as defined in any way; • bear a signature of the person on whose account the check is drawn; or • be Reg. CC. ▪ Checks drawn on a financial institutions that are institution located outside the United States. Endorsement of ▪ Checks You agree to properly endorse each check that are remotely created checks, as defined in Reg. CC. ▪ Checks not payable in United States currency. ▪ Checks dated more than 6 months prior to submitting such the date of deposit. ▪ Checks that are “postdated” after the date of deposit. ▪ Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account. This includes any check that not produced by an approved vendor under Section 7.h of the Membership Account Agreement and Disclosures or by any other vendor that we in our sole discretion deem not to be a reputable check printer. Further prohibited are any items that lack a perforated edge; and checks that are not machine readable with an industry standard MICR code. ▪ Checks payable on sight or payable through Drafts, as defined in Reg. CC. ▪ Checks with any endorsement on the back other than that specified in this agreement. ▪ Checks that have previously been submitted through the use of Service or through a remote deposit capture service offered at any other financial institution. ▪ Checks or items that are drawn or otherwise issued by the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You U.S. Treasury Department ▪ Checks that are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes prohibited by the Credit Union's current Membership Agreement with you. Specifically▪ Checks that are in violation of any federal or state law, you rule, or regulation. ▪ Checks that are representing and warranting credit card advance or other loan advance instruments. ▪ Checks requiring signature and/or additional identification. ▪ Checks that have been re-deposited or returned for any reason such as “non-sufficient funds” or “refer to Credit Union that:maker”. ▪ Money Orders ▪ Travelers Checks ▪ Savings Bonds

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fifteen (3115) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post dated postdated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For A proper endorsement for Mobile Deposit Only to Front Royal FCUincludes using the phrase, Acct # "“for Remote Deposit” as part of the endorsement. Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that: The image item is an accurate representation of all information on the front and back of the original check at the time the original check was converted to an image item, and the image item contains all endorsements from the original check necessary to permit Credit Union to:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one (31) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; •  be payable to any person or entity other than youyou *(except for exception below); • o *exception – checks payable to your children that are under the age of 16 and have an open account in good standing at DPFCU. Follow normal endorsement process but the child and parent should both sign.  be prohibited by, or received in violation of, any law, rule or regulation; •  be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; •  have been previously cashed or deposited; •  be post dated or more than six (6) month old; •  be payable to cash; •  be irregular in any way; • bear  be payable to a signature of the person on whose account the check is drawn; (checks from another institution that you are the owner of) or •  be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one ninety (3190) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; : • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have been known or suspected) as fraudulent or otherwise authorized unauthorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post dated postdated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear payable to you and another party who is not a signature of joint owner on the person on whose account the check is drawnaccount; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: You agree to restrictively endorse any item transmitted through the Services as "MOBILE DEPOSIT, SUMA Federal Credit Union account # " or as otherwise instructed by SUMA Federal Credit Union. You agree to follow any and all other procedures and instructions for use of the Services as SUMA Federal Credit Union may establish from time to time. Endorsements must be made on the back of the share draft or check within 1½ inches from the top edge, although we may accept endorsements outside this space. 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 account, the check must be endorsed by all such payees and you may only use Mobile Deposit Only to Front Royal FCUdeposit such check into an account jointly owned by all such payees. If the check is payable to you or your joint owner, Acct # "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 account using the Services. And, you agree never to represent the item. You will promptly provide any retained item, or a sufficient copy of the front and back of the item, to SUMA Federal Credit Union as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any item, or for SUMA Federal Credit Union’s audit purposes. Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that: The image item is an accurate representation of all information on the front and back of the original check at the time the original check was converted to an image item, and the image item contains all endorsements from the original check necessary to permit Credit Union to:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fifteen (3115) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Check Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post - dated or stale-dated (more than six (6) month months old); • be payable to cash; • be irregular in any way; • bear a signature other than that of the person on whose account the check is drawn; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement ExampleThe check must be endorsed as follows: "For Mobile Check Deposit Only to Front Royal FCU, Acct at EUCCU Acct# ". And signed by the Payee(s) Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to the Credit Union that:: The image item is an accurate representation of all information on the front and back of the original check at the time the original check was converted to an image item, and the image item contains all endorsements from the original check necessary to permit the Credit Union to: Acquire rights of a holder in due course in the collection process of checks and other items; Handle, process, maintain and destroy original checks; and Ensure that neither the Credit Union nor any other financial institution (depositary, collecting or payor), drawee, drawer or endorser receives presentment or return of, or otherwise is charged for a check or image item more than once in any form. Each image item (or related electronic data file) contains a record of all MICR line (special characters printed on the bottom of a check) information required for a substitute check and otherwise satisfies all of the requirements of the American National Standards Institute (ANSI) X9.37 standards for image quality required by Check 21 and Regulation CC for the creation and/or transferring of a substitute check created from that Image item; Adjustments Once an image item is captured, the system will display captured encoded fields for your review. You will be required to verify that the check image and amount are correct. We reserve the right to adjust your deposit after you have submitted it for processing. Adjustments are to correct mistakes in the value of image items deposited, mistakes in encoding, or for missing or illegible image items.

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one thirty (3130) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through you will not use the use of the services will not; Service to scan and deposit any items as shown below: • be Checks payable to any person or entity other than you; you • be Checks prohibited by, or received in violation of, any law, rule rule, or regulation; regulation • be known Checks containing alteration to any of the fields on the front of the check or suspected (item, or which you know or suspect, or should have known know or suspected) as suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn; . • Checks that have been previously cashed or deposited; deposited • be post Third party checks • Checks that are postdated or stale dated or more than six (6) month old; • be Checks payable to cash; cash • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be Checks drawn on financial institutions that are located outside the United States. Endorsement States • Checks written in pencil • Savings Bonds • Traveler’s Checks • Money Orders • Checks written off of any account that you own or are a xxxxxx on • Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You that are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes drawn or otherwise issued by the Credit Union. Specifically, you are representing and warranting to Credit Union that:U.S. Treasury Department

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fifteen (3115) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; •  be payable to any person or entity other than you; •  be prohibited by, or received in violation of, any law, rule or regulation; •  be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; •  have been previously cashed or deposited; •  be post dated or more than six (6) month old; •  be payable to cash; •  be irregular in any way; •  bear a signature of the person on whose account the check is drawn; or •  be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that: The image item is an accurate representation of all information on the front and back of the original check at the time the original check was converted to an image item, and the image item contains all endorsements from the original check necessary to permit Credit Union to:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fourteen (3114) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Check Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • have any apparent alteration to the front of the check; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized unauthorized by the owner of the account on which the check is drawn; • be a check drawn on your checking account with MFCU • be a check that has been remotely created; • be a Money Order, Travelers check or any check linked to credit card • have been previously cashed or deposited; • be post dated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be payable in a currency other than U.S. dollars; • be drawn on financial institutions that are located outside the United States. • be a third party check Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: Checks must be payable to you and endorsed by you with the restrictive legend, "For MFCU Mobile Check Deposit Only Only" consistent with the terms of the MFCU policy applicable to Front Royal FCU, Acct # "the account to which the deposit is made. Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:: • The image item is an accurate representation of all information on the front and back of the original check at the time the original check was converted to an image item, and the image item contains all endorsements from the original check necessary to permit Credit Union to: o Acquire rights of a holder in due course in the collection process of checks and other items; o Handle, process, maintain and destroy original checks; and o Ensure that neither Credit Union nor any other financial institution (depositary, collecting or payor), drawee, drawer or endorser receives presentment or return of, or otherwise is charged for a check or image item more than once in any form. • Each image item (or related electronic data file) contains a record of all MICR line (special characters printed on the bottom of a check) information required for a substitute check and otherwise satisfies all of the requirements of the American National Standards Institute (ANSI) X9.37 standards for image quality required by Check 21 and Regulation CC for the creation and/or transferring of a substitute check created from that Image item. We may refuse to process any non-conforming image items, including without limitation any image items that do not meet the definition of a "check" set forth herein. Adjustments Adjustments are to correct mistakes in the value of image items deposited, mistakes in encoding, or for missing or illegible image items. You will be notified via email or secured messaging in Mobile or Online Banking if an adjustment has been posted to your account.

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one (31) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; • be payable to any person or entity other than you; • be prohibited by, or received in violation of, any law, rule or regulation; • be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; • have been previously cashed or deposited; • be post dated or more than six (6) month old; • be payable to cash; • be irregular in any way; • bear a signature of the person on whose account the check is drawn; or • be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Mobile Deposit Only to Front Royal FCU, Acct # ". The box must be checked if mobile deposit stamp is on the back of the check. Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fifteen (3115) calendar days after the day of deposit (“"Retention Period”"). After you receive the “"Deposit Successful” " message, write “"JOLT CREDIT UNION Mobile Deposit” " on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks Checks. You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties Warranties. You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks Checks. You agree that checks scanned through the use of the services will not; • - be payable to any person or entity other than you; • - be prohibited by, or received in violation of, any law, rule or regulation; • - be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner theowner of the account on which the check is drawn; • - have been previously cashed or deposited; • - be post post-dated or more than six (6) month months old; • - be payable to cash; • - be irregular in any way; • - bear a signature of the person on whose account the check is drawn; or • - be drawn on financial institutions that are located outside the United States. Endorsement of Checks Checks. You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only Adjustments. Once an image item is captured, the system will display captured encoded fields for your review. You will be required to Front Royal FCUmake corrections to encoding not read or missing from the scanned check, Acct # ". Image Quality You are responsible for inspecting and verifying including entering the quality legal amount of the images associated with check. We reserve the right to adjust your deposit after you have submitted it for processing. Adjustments are to correct mistakes in the value of image items deposited, mistakes in encoding, or for missing or illegible image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that:.

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fourteen (3114) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Check Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; •  be payable to any person or entity other than you; •  be prohibited by, or received in violation of, any law, rule or regulation; •  have any apparent alteration to the front of the check;  be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized unauthorized by the owner of the account on which the check is drawn; •  be a check drawn on your checking account with MFCU  be a check that has been remotely created;  be a Money Order, Travelers check or any check linked to credit card  have been previously cashed or deposited; •  be post dated or more than six (6) month old; •  be payable to cash; •  be irregular in any way; •  bear a signature of the person on whose account the check is drawn; or •  be payable in a currency other than U.S. dollars;  be drawn on financial institutions that are located outside the United States.  be a third party check Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: Checks must be payable to you and endorsed by you with the restrictive legend, "For MFCU Mobile Check Deposit Only Only" consistent with the terms of the MFCU policy applicable to Front Royal FCU, Acct # "the account to which the deposit is made. Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that::  The image item is an accurate representation of all information on the front and back of the original check at the time the original check was converted to an image item, and the image item contains all endorsements from the original check necessary to permit Credit Union to: o Acquire rights of a holder in due course in the collection process of checks and other items; o Handle, process, maintain and destroy original checks; and o Ensure that neither Credit Union nor any other financial institution (depositary, collecting or payor), drawee, drawer or endorser receives presentment or return of, or otherwise is charged for a check or image item more than once in any form.  Each image item (or related electronic data file) contains a record of all MICR line (special characters printed on the bottom of a check) information required for a substitute check and otherwise satisfies all of the requirements of the American National Standards Institute (ANSI) X9.37 standards for image quality required by Check 21 and Regulation CC for the creation and/or transferring of a substitute check created from that Image item. We may refuse to process any non-conforming image items, including without limitation any image items that do not meet the definition of a "check" set forth herein. Adjustments Adjustments are to correct mistakes in the value of image items deposited, mistakes in encoding, or for missing or illegible image items. You will be notified via email or secured messaging in Mobile or Online Banking if an adjustment has been posted to your account.

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one fifteen (3115) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks Checks: You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties Warranties: You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Eligible Items and Prohibited Checks Items: You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that checks scanned through the use you will not scan and deposit any of the services will not; • following types of checks or other items which shall be considered ineligible items:  Cashier’s Checks  Checks payable to any person or entity other than you; • be prohibited bythe person or entity that owns the account that the check is being deposited into  Checks containing an alteration on the front of the check or item, or received in violation ofwhich you know or suspect, any law, rule or regulation; • be known or suspected (or should have known know or suspected) as suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn; • have been drawn  Checks payable jointly, unless deposited into an account in the name of all payees.  Checks previously cashed or deposited; • be post dated or more than six (6) month old; • be payable converted to cash; • be irregular a substitute check, as defined in any way; • bear a signature of the person on whose account the check is drawn; or • be Reg. CC.  Checks drawn on a financial institutions that are institution located outside the United States. Endorsement of  Checks You agree to properly endorse each check that are remotely created checks, as defined in Reg. CC.  Checks not payable in United States currency.  Checks dated more than 6 months prior to submitting such the date of deposit.  Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account. This includes any check that not produced by an approved vendor uner Section 7.h of the Membership Account Agreement and Disclosures or by any other vendor that we in our sole discretion deem not to be a reputable check printer. Further prohibited are any items that lack a perforated edge; and checks that are not machine readable with an industry standard MICR code.  Checks payable on sight or payable through Drafts, as defined in Reg. CC.  Checks with any endorsement on the back other than that specified in this agreement.  Checks that have previously been submitted through the use of Service or through a remote deposit capture service offered at any other financial institution.  Checks or items that are drawn or otherwise issued by the services. Endorsement Example: "For Deposit Only to Front Royal FCU, Acct # ". Image Quality You U.S. Treasury Department  Checks that are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes prohibited by the Credit Union's current Membership Agreement with you  Checks that are in violation of any federal or state law, rule, or regulation. Specifically, you  Checks that are representing and warranting to Credit Union that:credit card advance or other loan advance instruments.  Any check requiring signature and/or additional identification.

Check Retention Period. You agree that you will preserve the originals of all checks, processed through the services pursuant to this agreement for thirty-one (31) calendar days after the day of deposit (“Retention Period”). After you receive the “Deposit Successful” message, write “Mobile Deposit” on the check front. The risk of loss due to the unavailability of the original or copy of a check for any reason, during the retention period, shall be exclusively on the member. Destruction of Original Checks You will be fully responsible for the destruction of the checks. You agree to use commercially reasonable method(s) to destroy original checks after the required retention period has expired. You agree to destroy and dispose of the original checks with a high degree of care, including selecting and implementing appropriate destruction and disposal procedures. You are required to implement such procedures to ensure that the original checks are not accessed by unauthorized persons during the storage, destruction and disposal process and, once destroyed, the original checks are no longer readable or capable of being reconstructed (e.g., through the use of competent shredding equipment). The risk of loss associated with the accidental inclusion of a physical check in the check collection process or with a lost, destroyed, stolen or misplaced check shall be exclusively on the member. Member Representations and Warranties You represent and warrant that all checks transmitted through the use of the services are made payable to the member, all signatures and endorsements on each check are authentic and authorized, and each check has not been altered. Prohibited Checks You agree that checks scanned through the use of the services will not; •  be payable to any person or entity other than you; •  be prohibited by, or received in violation of, any law, rule or regulation; •  be known or suspected (or should have known or suspected) as fraudulent or otherwise authorized by the owner of the account on which the check is drawn; •  have been previously cashed or deposited; •  be post dated or more than six (6) month old; •  be payable to cash; •  be irregular in any way; •  bear a signature of the person on whose account the check is drawn; or •  be drawn on financial institutions that are located outside the United States. Endorsement of Checks You agree to properly endorse each check prior to submitting such check through the use of the services. Endorsement Example: "For Deposit Only to Front Royal Central Sunbelt FCU, Acct # ". Image Quality You are responsible for inspecting and verifying the quality of the images associated with image items, thus ensuring that the digitized images of the front and back of original checks are legible for all posting and clearing purposes by the Credit Union. Specifically, you are representing and warranting to Credit Union that: