Common use of DEPOSITS AND COLLECTIONS Clause in Contracts

DEPOSITS AND COLLECTIONS. Accepting Items for Deposit We may accept items for deposit, accept items for collection only, refuse items for deposit or return all or part of any deposit. If we accept checks or other items for deposit to your account, you are responsible for the checks and other items if there is a subsequent problem with them. • We may accept a check or other item for deposit to your account from anyone. We do not haveto question the authority of the person making the deposit. • We may refuse to accept for deposit to your account items payable to another person (“third party checks”), travelers checks or starter checks. • If we deposit a check or other item to your account and it is not paid for any reason, we will charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • All deposits are subject to our subsequent verification and adjustment, even if you havealready withdrawn all or part of the deposit. • If we accept checks or other items for deposit or collection, we act only as your collection agent and assume no responsibility beyond ordinary care. We are not responsible for errors and delays made by other institutions in the collection process. • When you send us deposits by mail, we treat them as received at the time we receive actual delivery of the deposit. • You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized reproduction of that person’s signature. Verification and Collection We may deduct funds from your account if an item is lost, stolen or destroyed in the collection process, if it is returned to us unpaid or if it was improperly paid, even if this causes your account to become overdrawn. Items Sent for Collection We and other institutions may refuse to accept a check or other item for deposit or may accept it on a collection basis only. This often occurs with foreign, questionable or damaged items. If we accept an item for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we may charge the amount back against your account if we do not receive payment for any reason even if this causes your account to be overdrawn. We may impose a fee in connection with sending and receiving items for collection (e.g., by charging your account or deducting the fee from the amount remitted). Other institutions that send or receive items for collection involving your account also may impose a fee for their services. Lost Items We act only as your collection agent when receiving items for deposit. Be aware that we reserve the right to reverse the credit for any deposited item should they become lost, mutilated, or destroyed while in the process of collection. If we do not reverse a credit, you agree to assist us in collecting the amount of any lost items by providing us with such information and other assistance as we request. Remotely Created Checks and Demand Drafts You may not deposit remotely created checks or demand drafts to an account with us without our prior, express written consent. If you do deposit remotely created checks or demand drafts to your account you agree that we may place a hold or otherwise restrict your account, or any other account you hold with us, in an amount we deem necessary should any such item be returned unpaid for any reason or returned to us with a claim that the item was unauthorized. You agree that the amount of funds subject to hold and the duration of such hold shall be determined solely by us in our discretion. Delivery of Deposits and Verification You may present deposits to us through various channels including mail, mobile remote deposit capture or other means that we may make available. We may use the channel and time of delivery to determine when you receive credit for the deposit. If we credit your account for the amount shown on the deposit instruction, the credit is subject to subsequent verification by us and our determination of the deposit amount is final. If you provide an endorsement on an item deposited to your account, such endorsement must adhere to all federal and state law requirements as well as banking industry practice. If you make a deposit using mobile remote deposit capture, the Mobile Remote Deposit - Terms of Use will also govern the deposit. (See Mobile Remote Deposit - Terms of Use section.)

DEPOSITS AND COLLECTIONS. Accepting Items for Deposit We may accept items for deposit, accept items for collection only, refuse items for deposit or return all or part of any deposit. If we accept checks or other items for deposit to your accountaccount or cash them, you are responsible for the checks and other items if there is a subsequent problem with them. • We may accept a check or other item for deposit to your account from anyone. We do not haveto have to question the authority of the person making the deposit. • We may refuse to accept for deposit to your account items payable to another person (“third party checks”), travelers checks or starter checks. • If we deposit cash a check or other item for you or deposit it to your account and it is not paid for any reason, we will charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • All deposits are subject to our subsequent verification and adjustment, even if you havealready have already withdrawn all or part of the deposit. • If we accept checks or other items for deposit or collection, we act only as your collection agent and assume no responsibility beyond ordinary care. We are not responsible for errors and delays made by other institutions in the collection process. • When you send us deposits by mail, we treat them as received at the time we receive actual delivery of the deposit. • You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized reproduction of that person’s signature. Verification and Collection We may deduct funds from your account if an item is lost, stolen or destroyed in the collection process, if it is returned to us unpaid or if it was improperly paid, even if this causes your account to become overdrawn. Items Sent for Collection We and other institutions may refuse to accept a check or other item for deposit or may accept it on a collection basis only. This often occurs with foreign, questionable or damaged items. If we accept an item for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we may charge the amount back against your account if we do not receive payment for any reason even if this causes your account to be overdrawn. We may impose a fee in connection with sending and receiving items for collection (e.g., by charging your account or deducting the fee from the amount remitted). Other institutions that send or receive items for collection involving your account also may impose a fee for their services. Lost Items We act only as your collection agent when receiving items for depositdeposit or encashment. Be aware that we reserve the right to reverse the credit for any deposited item or charge your account for cashed items should they become lost, mutilated, or destroyed while in the process of collection. If we do not reverse a credit, you agree to assist us in collecting the amount of any lost items by providing us with such information and other assistance as we request. Remotely Created Checks and Demand Drafts You may not deposit remotely created checks or demand drafts to an account with us without our prior, express written consent. If you do deposit remotely created checks or demand drafts to your account you agree that we may place a hold or otherwise restrict your account, or any other account you hold with us, in an amount we deem necessary should any such item be returned unpaid for any reason or returned to us with a claim that the item was unauthorized. You agree that the amount of funds subject to hold and the duration of such hold shall be determined solely by us in our discretion. Delivery of Deposits and Verification You may present deposits to us through various channels including mail, mobile remote deposit capture or other means that we may make available. We may use the channel and time of delivery to determine when you receive credit for the deposit. If we credit your account for the amount shown on the deposit instructionticket or other transmittal, the credit is subject to subsequent verification by us and our determination of the deposit amount is final. If you provide an endorsement on an item deposited to your account, such endorsement must adhere to all federal and state law requirements as well as banking industry practice. If you make a deposit using mobile remote deposit capture, the Mobile Remote Deposit - Terms -Terms of Use will also govern the deposit. (See Mobile Remote Deposit - Terms of Use section).)

DEPOSITS AND COLLECTIONS. Accepting Items for Deposit We may accept items for deposit, accept items for collection only, refuse items for deposit or return all or part of any deposit. If we accept checks or other items for deposit to your account, you are responsible for the checks and other items if there is a subsequent problem with them. • We may accept a check or other item for deposit to your account from anyone. We do not haveto have to question the authority of the person making the deposit. • We may refuse to accept for deposit to your account items payable to another person (“third party checks”), travelers checks or starter checks. • If we deposit a check or other item to your account and it is not paid for any reason, we will charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • All deposits are subject to our subsequent verification and adjustment, even if you havealready withdrawn have alreadywithdrawn all or part of the deposit. • If we accept checks or other items for deposit or collection, we act only as your collection agent and assume no responsibility beyond ordinary care. We are not responsible for errors and delays made delaysmade by other institutions in the collection process. • When you send us deposits by mail, we treat them as received at the time we receive actual delivery of the deposit. • You will not knowingly deposit items into your account that do not have either a true original signature of signatureof the person on whose account it is drawn or an authorized reproduction of that person’s signatureperson’ssignature. Verification and Collection We may deduct funds from your account if an item is lost, stolen or destroyed in the collection process, if it is returned to us unpaid or if it was improperly paid, even if this causes your account to become overdrawn. Items Sent for Collection We and other institutions may refuse to accept a check or other item for deposit or may accept it on a collection basis only. This often occurs with foreign, questionable or damaged items. If we accept an item for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we may charge the amount back against your account if we do not receive payment for any reason even if this causes your account to be overdrawn. We may impose a fee in connection with sending and receiving items for collection (e.g., by charging your account or deducting the fee from the amount remitted). Other institutions that send or receive items for collection involving your account also may impose a fee for their services. Lost Items We act only as your collection agent when receiving items for deposit. Be aware that we reserve the right to reverse the credit for any deposited item should they become lost, mutilated, or destroyed while in the process of collection. If we do not reverse a credit, you agree to assist us in collecting the amount of any lost items by providing us with such information and other assistance as we request. Remotely Created Checks and Demand Drafts You may not deposit remotely created checks or demand drafts to an account with us without our prior, express written consent. If you do deposit remotely created checks or demand drafts to your account you agree that we may place a hold or otherwise restrict your account, or any other account you hold with us, in an amount we deem necessary should any such item be returned unpaid for any reason or returned to us with a claim that the item was unauthorized. You agree that the amount of funds subject to hold and the duration of such hold shall be determined solely by us in our discretion. Delivery of Deposits and Verification You may present deposits to us through various channels including mail, mobile remote deposit capture or other means that we may make available. We may use the channel and time of delivery to determine when you receive credit for the deposit. If we credit your account for the amount shown on the deposit instruction, the credit is subject to subsequent verification by us and our determination of the deposit amount is final. If you provide an endorsement on an item deposited to your account, such endorsement must adhere to all federal and state law requirements as well as banking industry practice. If you make a deposit using mobile remote deposit capture, the Mobile Remote Deposit - Terms of Use will also govern the deposit. (See Mobile Remote Deposit - Terms of Use section.)

DEPOSITS AND COLLECTIONS. Accepting Items for Deposit We may accept items for deposit, accept items for collection only, refuse items for deposit or return all or part of any deposit. If we accept checks or other items for deposit to your account, you are responsible for the checks and other items if there is a subsequent problem with them. • We may accept a check or other item for deposit to your account from anyone. We do not haveto have to question the authority of the person making the deposit. • We may refuse to accept for deposit to your account items payable to another person (“third party checks”), travelers checks or starter checks. • If we deposit a check or other item to your account and it is not paid for any reason, we will charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • All deposits are subject to our subsequent verification and adjustment, even if you havealready have already withdrawn all or part of the deposit. • If we accept checks or other items for deposit or collection, we act only as your collection agent and assume no responsibility beyond ordinary care. We are not responsible for errors and delays made by other institutions in the collection process. • When you send us deposits by mail, we treat them as received at the time we receive actual delivery of the deposit. • You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized reproduction of that person’s signature. Verification and Collection We may deduct funds from your account if an item is lost, stolen or destroyed in the collection process, if it is returned to us unpaid or if it was improperly paid, even if this causes your account to become overdrawn. Items Sent for Collection We and other institutions may refuse to accept a check or other item for deposit or may accept it on a collection basis only. This often occurs with foreign, questionable or damaged items. If we accept an item for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we may charge the amount back against your account if we do not receive payment for any reason even if this causes your account to be overdrawn. We may impose a fee in connection with sending and receiving items for collection (e.g., by charging your account or deducting the fee from the amount remitted). Other institutions that send or receive items for collection involving your account also may impose a fee for their services. Lost Items We act only as your collection agent when receiving items for deposit. Be aware that we reserve the right to reverse the credit for any deposited item should they become lost, mutilated, or destroyed while in the process of collection. If we do not reverse a credit, you agree to assist us in collecting the amount of any lost items by providing us with such information and other assistance as we request. Remotely Created Checks and Demand Drafts You may not deposit remotely created checks or demand drafts to an account with us without our prior, express written consent. If you do deposit remotely created checks or demand drafts to your account you agree that we may place a hold or otherwise restrict your account, or any other account you hold with us, in an amount we deem necessary should any such item be returned unpaid for any reason or returned to us with a claim that the item was unauthorized. You agree that the amount of funds subject to hold and the duration of such hold shall be determined solely by us in our discretion. Delivery of Deposits and Verification You may present deposits to us through various channels including mail, mobile remote deposit capture or other means that we may make available. We may use the channel and time of delivery to determine when you receive credit for the deposit. If we credit your account for the amount shown on the deposit instruction, the credit is subject to subsequent verification by us and our determination of the deposit amount is final. If you provide an endorsement on an item deposited to your account, such endorsement must adhere to all federal and state law requirements as well as banking industry practice. If you make a deposit using mobile remote deposit capture, the Mobile Remote Deposit - Terms of Use will also govern the deposit. (See Mobile Remote Deposit - Terms of Use section.)

DEPOSITS AND COLLECTIONS. Accepting Items for Deposit We may accept items for deposit, accept items for collection only, refuse items for deposit or return all or part of any deposit. If we accept checks or other items for deposit to your account, you are responsible for the checks and other items if there is a subsequent problem with them. • x We may accept a check or other item for deposit to your account from anyone. We do not haveto question the authority of the person making the deposit. • x We may refuse to accept for deposit to your account items payable to another person (“third party checks”), travelers checks or starter checks³WpKarLtyUG FKHFNV´ WUDYHOHchUecVks . • FKHFNV RU VWDUWHU x If we deposit a check or other item to your account and it is not paid for any reason, we will charge your account for the amount of the check or other item, even if this causes your account to become overdrawn. • x All deposits are subject to our subsequent verification and adjustment, even if you havealready withdrawn all or part of the deposit. • x If we accept checks or other items for deposit or collection, we act only as your collection agent and assume no responsibility beyond ordinary care. We are not responsible for errors and delays made by other institutions in the collection process. • x When you send us deposits by mail, we treat them as received at the time we receive actual delivery of the deposit. • x You will not knowingly deposit items into your account that do not have either a true original signature of the person on whose account it is drawn or an authorized reproduction of that person’s signatureSHUVRsigQna¶tuVre. Verification and Collection We may deduct funds from your account if an item is lost, stolen or destroyed in the collection process, if it is returned to us unpaid or if it was improperly paid, even if this causes your account to become overdrawn. Items Sent for Collection We and other institutions may refuse to accept a check or other item for deposit or may accept it on a collection basis only. This often occurs with foreign, questionable or damaged items. If we accept an item for collection, we will send it to the institution upon which it is drawn, but will not credit your account for the amount until we receive the funds from the other institution. If we elect to credit your account before then, we may charge the amount back against your account if we do not receive payment for any reason even if this causes your account to be overdrawn. We may impose a fee in connection with sending and receiving items for collection (e.g., by charging your account or deducting the fee from the amount remitted). Other institutions that send or receive items for collection involving your account also may impose a fee for their services. Lost Items We act only as your collection agent when receiving items for deposit. Be aware that we reserve the right to reverse the credit for any deposited item should they become lost, mutilated, or destroyed while in the process of collection. If we do not reverse a credit, you agree to assist us in collecting the amount of any lost items by providing us with such information and other assistance as we request. Remotely Created Checks and Demand Drafts You may not deposit remotely created checks or demand drafts to an account with us without our prior, express written consent. If you do deposit remotely created checks or demand drafts to your account you agree that we may place a hold or otherwise restrict your account, or any other account you hold with us, in an amount we deem necessary should any such item be returned unpaid for any reason or returned to us with a claim that the item was unauthorized. You agree that the amount of funds subject to hold and the duration of such hold shall be determined solely by us in our discretion. Delivery of Deposits and Verification You may present deposits to us through various channels including mail, mobile remote deposit capture or other means that we may make available. We may use the channel and time of delivery to determine when you receive credit for the deposit. If we credit your account for the amount shown on the deposit instruction, the credit is subject to subsequent verification by us and our determination of the deposit amount is final. If you provide an endorsement on an item deposited to your account, such endorsement must adhere to all federal and state law requirements as well as banking industry practice. If you make a deposit using mobile remote deposit capture, the Mobile Remote Deposit - Terms of Use will also govern the deposit. (See Mobile Remote Deposit - Terms of Use section.)