Common use of Eligible Checks and Items Clause in Contracts

Eligible Checks and Items. You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg CC”) and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, elect to include under the Service. You authorize us to process any image that you send us or convert any image 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 applicable Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items: • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks previously converted to a substitute check, as defined in Reg. CC. • Checks drawn on a financial institution located outside the United States. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • Checks or items prohibited by GCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your GCU account. • 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 Service or through a mobile deposit capture service offered at any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • Checks or items on which a stop payment order has been issued or for which there are insufficient funds. • Insurance drafts. • Credit card cash advance checks. • Money Orders. • Checks made payable to cash.

Eligible Checks and Items. You agree (i) to scan and deposit transmit only “checks” checks as that term is defined in Federal Reserve Regulation CC (“"Reg CC”") and only those checks that are permissible under this Agreement section or such other items as we, in our sole discretion, elect to include under MDS; (ii) that the Service. You authorize image of the check transmitted to us to process any image that you send us or convert any image to an Image Replacement Document for subsequent presentment and collection; it shall thereafter be deemed an “"item” " within the meaning of Articles 3 and Article 4 of the applicable Uniform Commercial Code. You agree ; and (iii) that you will not use MDS to scan and deposit any of the following types of checks or other items: a. Checks or items which shall be considered ineligible items: • Checks payable to any person or entity other than you, or to you and another party. b. Checks or items containing alteration to any of the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • Checks containing an alteration fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • . c. Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Reg CC. • . d. Checks or items drawn on a financial institution located outside the United States. • . e. Checks or items that are remotely created checks, as defined in Reg CC or other remotely created items. f. Checks or items not payable in United States currency. • . g. Checks or items dated more than 6 months prior to the date of deposit. • Checks or items prohibited by GCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your GCU account. • 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 Service or through a mobile deposit capture service offered at any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • . h. Checks or items on which a stop payment order has been issued or for which there are insufficient funds. i. Checks or items that were previously returned unpaid. j. Checks or items prohibited by our current procedures relating to MDS or which are otherwise not acceptable under the terms of your Mobile Deposit Account. • Insurance draftsNothing in this section should be construed as requiring M&T to accept any check or item for deposit, even if M&T has accepted that type of check or item previously. • Credit card cash advance checks. • Money Orders. • Checks made payable Nor shall M&T be required to cashidentify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this section.

Eligible Checks and Items. You agree (i) to scan and deposit transmit only “checks” checks as that term is defined in Federal Reserve Regulation CC (“"Reg CC”") and only those checks that are permissible under this Agreement section or such other items as we, in our sole discretion, elect to include under MDS; (ii) that the Service. You authorize image of the check transmitted to us to process any image that you send us or convert any image to an Image Replacement Document for subsequent presentment and collection; it shall thereafter be deemed an “"item” " within the meaning of Articles 3 and Article 4 of the applicable Uniform Commercial Code. You agree ; and (iii) that you will not use MDS to scan and deposit any of the following types of checks or other items: a. Checks or items which shall be considered ineligible items: • Checks payable to any person or entity other than you, or to you and another party. b. Checks or items containing alteration to any of the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • Checks containing an alteration fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • . c. Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Reg CC. • . d. Checks or items drawn on a financial institution located outside the United States. • . e. Checks or items that are remotely created checks, as defined in Reg CC or other remotely created items. f. Checks or items not payable in United States currency. • . g. Checks or items dated more than 6 months prior to the date of deposit. • Checks or items prohibited by GCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your GCU account. • 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 Service or through a mobile deposit capture service offered at any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • . h. Checks or items on which a stop payment order has been issued or for which there are insufficient funds. i. Checks or items that were previously returned unpaid. j. Checks or items prohibited by our current procedures relating to MDS or which are otherwise not acceptable under the terms of your Mobile Deposit Account. • Insurance draftsNothing in this section should be construed as requiring the Bank to accept any check or item for deposit, even if the Bank has accepted that type of check or item previously. • Credit card cash advance checks. • Money Orders. • Checks made payable Nor shall the Bank be required to cashidentify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this section.

Eligible Checks and Items. You agree to scan and deposit transmit only “checks” checks as that term is defined in Federal Reserve Regulation CC (“"Reg CC”) and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, elect to include under the Service"). You authorize agree that the image of the check transmitted to us to process any image that you send us or convert any image 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 applicable Uniform Commercial Code. You agree that you will not use Mobile Deposit Capture to scan and deposit any of the following types of checks or other items which shall be considered ineligible itemsas shown below: • Checks or items payable to any person or entity other than the person you, or entity that owns the account that the check is being deposited into (commonly called two party checks)to you and another party. • Checks or items containing an alteration to any of the fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Reg CC. • Checks or items drawn on a financial institution located outside the United States. • Checks or items that are remotely created checks, as defined in Reg CC. • Checks or items not payable in United States currency. • Checks or items dated more than 6 months prior to the date of deposit. • Checks or items prohibited by GCU’s current procedures relating to that are postdated, defined as having an issue date after the Services or which are otherwise not acceptable under the terms date of your GCU account. • 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 Service or through a mobile deposit capture service offered at any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institutiondeposit. • Checks or items on which a stop payment order has been issued or for which there are insufficient funds. • Insurance drafts. • Credit card cash advance checks. • Money OrdersChecks or items previously presented for payment to us or another financial institution. • Checks or items marked, in any manner, as “non-negotiable.” • Third party checks, defined as any item that is made payable to cashanother party and subsequently endorsed to you by such party or any successor payee. • Checks or items prohibited by our current procedures relating to Mobile Deposit Capture or which are otherwise not acceptable under the terms of your Account. Nothing in this Agreement shall be construed as requiring us to accept any check or item for deposit, even if we have accepted that type of check or item previously. Nor shall we be required to identify or reject any checks or items that you may scan and deposit that fail to meet these requirements.

Eligible Checks and Items. You agree to scan and deposit transmit only “checks” checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”) and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, elect to include under the Service. You authorize agree that the image of the check transmitted to us to process any image that you send us or convert any image to an Image Replacement Document for subsequent presentment and collection; it shall thereafter be deemed an “item” within the meaning of Articles 3 and Article 4 of the applicable Uniform Commercial Code. You agree that you will not use the Service to scan and deposit any of the following types of checks or other items which shall be considered ineligible items: • as shown below: a. Checks or items payable to any person or entity other than you, or to you and another party. b. Checks or items containing alteration to any of the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • Checks containing an alteration fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • . c. Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Reg CC. • . d. Checks or items drawn on a financial institution located outside the United States. • . e. Checks or items that are remotely created checks, as defined in Reg CC. f. Checks or items not payable in United States currency. • . g. Checks or items dated more than 6 months prior to the date of deposit. • Checks or items prohibited by GCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your GCU account. • 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 Service or through a mobile deposit capture service offered at any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • . h. Checks or items on which a stop payment order has been issued or for which there are insufficient funds. i. Checks or items prohibited by our current procedures relating to the Service or which are otherwise not acceptable under the terms of your Mobile Deposit Account. • Insurance draftsNothing in this Agreement should be construed as requiring HARLEYSVILLE BANK to accept any check or item for deposit, even if HARLEYSVILLE BANK has accepted that type of check or item previously. • Credit card cash advance checks. • Money Orders. • Checks made payable Nor shall HARLEYSVILLE BANK be required to cashidentify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this Agreement.

Eligible Checks and Items. You agree to scan and deposit transmit only “checks” checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”) and only those checks that are permissible under this Agreement Addendum or such other items as we, in our sole discretion, elect to include under the Service. You authorize agree that the image of the check transmitted to us to process any image that you send us or convert any image to an Image Replacement Document for subsequent presentment and collection; it shall thereafter be deemed an “item” within the meaning of Articles 3 and Article 4 of the applicable Uniform Commercial Code. You agree that you will not use the Service to scan and deposit any of the following types of checks or other items which shall be considered ineligible itemsas shown below: • Checks or items payable to any person or entity other than the person you, or entity that owns the account that the check is being deposited into (commonly called two party checks)to you and another party. • Checks or items containing an alteration to any of the fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • Checks or items payable jointly, unless deposited into an account in the name names of all payeespayees (for example, a check made payable to “Xxxx and Xxxx” cannot be deposited into an account that is not owned by both Xxxx and Xxxx). • Checks or items payable to “Cash”, “Westside State Bank,” or “WSB”. • Checks or items payable to a third party (for example, a check that is payable to someone else, endorsed and signed over to you). • Checks or items that are incomplete (for example, any item that does not contain the signature of the maker, endorsement signature(s), or other required information). • Checks or items previously converted to a substitute check, as defined in Reg. CCReg CC (for example, paper checks created from an electronic image). • Checks drawn on a financial institution located outside or items that are remotely created checks, as defined by Reg CC (for example, checks lacking the United Statesoriginal signature of the person authorizing the check). • Checks not payable in United States currencyor items that require authorization (for example, COM checks). • Checks or items that are dated more than 6 months prior to the date of deposit. • Checks or items prohibited by GCU’s current procedures relating to that are stale-dated (for example, ninety (90) days or more after the Services or which are otherwise not acceptable under the terms of your GCU accountissue date for checks containing instructions that state “Void 90 days after issue date”). • Checks payable on sight or payable through draftsitems that are post-dated (for example, as defined in Reg. CCa check showing a future date). • Checks with any endorsement or items drawn on a financial institution located outside of the back other than that specified in this agreementUnited States. • Checks or items not payable in United States currency. • Checks or items that have previously been submitted through the Service or through a mobile deposit capture service offered at returned unpaid for any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institutionreason. • Checks or items on which a stop payment order has been issued or for which there are insufficient funds. • Insurance draftsChecks or items that exceed the deposit limit(s) that are established for the Service. • Credit card cash advance Non-negotiable items • Checks or items purporting to be a lottery or prize winning. • Savings bonds. • Travelers checks. • Money OrdersChecks or items prohibited by our current procedures relating to the Service or which are otherwise not acceptable under the terms of your Mobile Deposit account. • Checks made payable Nothing in this Addendum should be construed as requiring Westside State Bank to cashaccept any check or item for deposit, even if Westside State Bank has accepted that type of check or item previously. Nor shall Westside State Bank be required to identify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this Addendum.

Eligible Checks and Items. a. You agree to scan and deposit transmit only “checks” checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”) and only those checks that are permissible under this Agreement Addendum or such other items as we, in our at Univest’s sole discretion, elect to include under the Check Deposit Service. You authorize us also agree that the image of the check transmitted to process any image that you send us or convert any image to an Image Replacement Document for subsequent presentment and collection; it Univest shall thereafter be deemed to be an “item” within the meaning of Articles 3 and Article 4 of the applicable Uniform Commercial Code. You further agree that you will not use the Check Deposit Service to scan and deposit any of the following types of checks or other items which shall be considered ineligible items: • as listed below: i.. Checks or items payable to any person or entity other than you. ii. Checks or items containing alteration to any of the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • Checks containing an alteration fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. iii. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in RegReg CC. iv. CC. • Checks or items drawn on a financial institution located outside that are not part of the United StatesU.S. Federal Reserve Bank System. v. Checks or items that are remotely created checks, as defined in Reg CC. vi. • Checks or items not payable in United States currencyof America dollars. • All items presented through the Check Deposit Service must be denominated in U.S.A. dollars. vii. Checks or items dated more than 6 months prior to the date of attempted deposit. viii. • Checks or items which have already been deposited at Univest or another financial institution, on which a stop payment order has been issued, or for which there are insufficient funds. ix. Checks or items prohibited by GCUUnivest’s current procedures relating to the Services Check Deposit Service or which are otherwise not acceptable under the terms of your GCU account. • Checks payable on sight or payable through drafts, as defined in Reg. CC. • Checks with any endorsement on the back other than that specified Univest deposit account(s). b. Nothing in this agreement. • Checks Addendum shall be construed as requiring Univest to accept any check or item for deposit unless the check and its electronic submission meets the requirements of this Addendum, even if Univest has accepted that have previously been submitted through the Service type of check or through a mobile deposit capture service offered at item previously, nor shall Univest be required to identify or reject any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • Checks checks or items on which a stop payment order has been issued or for which there are insufficient funds. • Insurance drafts. • Credit card cash advance checks. • Money Orders. • Checks made payable that you may scan and deposit that fail to cashmeet the requirements of this Addendum.

Eligible Checks and Items. You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg Regulation CC”) and only those checks that are permissible under this Agreement Addendum or such other items as we, in our sole discretion, elect to include under the Service. You authorize us . 1) Checks or items payable to process any image that person or entity other than you, or to you send us or convert any image 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 applicable Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items: • another party; 2) Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • into; 3) Checks or items containing an alteration to any of the fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • ; 4) Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Regulation CC. • ; 5) Checks or items drawn on a financial institution located outside the United States. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • ; 6) Checks or items prohibited by GCU’s current procedures relating to the Services or which that are otherwise not acceptable under the terms of your GCU account. • Checks payable on sight or payable through draftsremotely created checks, as defined in Reg. Regulation CC. • Checks with any endorsement on the back other than that specified in this agreement. • , and Checks that have previously been submitted through the Service or through a mobile remote deposit capture service offered at any other financial institution. • ; 7) Checks that have previously been deposited at by other methods at GCU or any other financial institution. • items not payable in United States currency; 8) Checks or items dated more than 6 months prior to the date of deposit; 9) Checks or items on which a stop payment order has been issued or for which there are insufficient funds. • ; 10) Checks or items prohibited by our current procedures relating to the Service or which are otherwise not acceptable under the terms of your Mobile Account; 11) Checks with any endorsement on the back other than that specified in this Addendum; 12) Money Orders; 13) Traveler’s Checks; 14) Insurance drafts. • Drafts; and 15) Credit card cash advance checks. • Money OrdersNothing in this Addendum should be construed as requiring BOEC to accept any check or item for deposit, even if BOEC has accepted that type of check or item previously. • Checks made payable Nor shall BOEC be required to cashidentify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this Addendum.

Eligible Checks and Items. You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg CC”) and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, may elect to include under the ServiceService.‌‌‌‌‌‌‌‌‌ Scanned items meeting our requirements will be converted to substitute checks, as defined in the Check Clearing for the 21st Century Act (“Check 21”) and Federal Reserve Regulation CC, to facilitate the deposit and collection of such items. You authorize us agree to process be bound by any clearinghouse agreements, operating circulars and image that you send us or convert any image exchange agreements 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 applicable Uniform Commercial Code. which we are a party.‌‌‌‌‌‌‌ You agree that you will not use the Service to scan and deposit any of the following types of checks or other items which shall be considered ineligible items: • as shown below: 1) Checks or items payable to any person or entity other than you or you and another person (endorsement must have both signatures); 2) Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • into; 3) Checks or items containing an alteration alterations to any of the fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • ; 4) Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Regulation CC. • ; 5) Checks or items drawn on a financial institution located outside the United States. • ; 6) Checks or items that are remotely created checks, as defined in Regulation CC; 7) Checks that have previously been submitted through the Service; through a remote deposit capture service offered at any other financial institution; or by any other means; 8) Checks or items not payable in United States currency. • ; 9) Checks or items dated more than 6 months prior to the date of deposit. • ; 10) Checks or items on which a stop payment order has been issued; 11) Checks or items for which there are insufficient funds; 12) Checks or items prohibited by GCU’s our current procedures relating to the Services Service or which are otherwise not acceptable under the terms of your GCU account. • Checks payable on sight or payable through drafts, as defined in Reg. CC. • Mobile Account; 13) Checks with any endorsement on the back other than that specified in this agreement. • Checks that have previously been submitted through the Service or through a mobile deposit capture service offered at any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • Checks or items on which a stop payment order has been issued or for which there are insufficient funds. • Agreement; 14) Money Orders; 15) Traveler’s Checks;‌ 16) Insurance drafts. • ; and 17) Credit card cash advance checks. • Money OrdersNothing in this Agreement should be construed as requiring Surrey Bank & Trust to accept any check or item for deposit, even if we have accepted that type of check or item previously. • Checks made payable Surrey Bank & Trust is not required to cashidentify any checks or items that you may scan and deposit that fail to meet the requirements of this Agreement.

Eligible Checks and Items. You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg CC”) and only those checks that are permissible under this Agreement Addendum or such other items as we, in our sole discretion, elect to include under the Service. You authorize us . a. Checks or items payable to process any image that person or entity other than you, or to you send us or convert any image 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 applicable Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items: • another party; b. Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into (commonly called two party checks). • into; c. Checks or items containing an alteration to any of the fields on the front of the check or itemitem (including the MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • ; d. Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Reg CC. • ; e. Checks or items drawn on a financial institution located outside the United States. • Checks not payable in United States currency. • Checks dated more than 6 months prior to the date of deposit. • ; f. Checks or items prohibited by GCU’s current procedures relating to the Services or which that are otherwise not acceptable under the terms of your GCU account. • Checks payable on sight or payable through draftsremotely created checks, as defined in Reg. Reg CC. • Checks with any endorsement on the back other than that specified in this agreement. • , and Checks that have previously been submitted through the Service or through a mobile remote deposit capture service offered at any other financial institution. • ; g. Checks that have previously been deposited at by other methods at GCU or any other financial institution. • items not payable in United States currency; h. Checks or items dated more than 6 months prior to the date of deposit; i. Checks or items on which a stop payment order has been issued or for which there are insufficient funds. • ; j. Checks or items prohibited by our current procedures relating to the Service or which are otherwise not acceptable under the terms of your Mobile Account; k. Checks with any endorsement on the back other than that specified in this Addendum; l. Money Orders; m. Traveler’s Checks; n. Insurance drafts. • ; and o. Credit card cash advance checks. • Money OrdersNothing in this Addendum should be construed as requiring ONB to accept any check or item for deposit, even if ONB has accepted that type of check or item previously. • Checks made payable Nor shall ONB be required to cashidentify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this Addendum.

Eligible Checks and Items. You agree to scan and deposit transmit only “checks” checks as that term is defined in Federal Reserve Regulation CC (“"Reg CC”) and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, elect to include under the Service"). You authorize agree that the image of the check transmitted to us to process any image that you send us or convert any image 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 applicable Uniform Commercial Code. You agree that you will not use Mobile Deposit Capture to scan and deposit any of the following types of checks or other items which shall be considered ineligible itemsas shown below: • Checks Items payable to any person or entity other than you • Items drawn on a financial institution located outside the person United States or entity that owns items not payable in US Currency • Items containing alteration to any of the account that the check is being deposited into (commonly called two party checks). • Checks containing an alteration fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent stolen, fraudulent, or otherwise improper • Items which are not authorized by acceptable under the owner terms of your applicable checking, savings, or money market account and related agreement with us • Items that exceed applicable dollar limits of the account on which the check service • US Treasury Checks • Cashier’s checks, Money Orders, or Travelers Checks • Savings Bonds • Insurance Claim Checks • Third Party Checks, defined as any item that is drawnmade payable to another party and subsequently endorsed to you by such party or any successor payee. • Checks • Site drafts or payable jointly, unless deposited into an account in the name of all payees. through drafts • Checks Items requiring multiple signatures/endorsements • Items previously converted to a substitute check, as defined in Reg. Reg CC. • Checks drawn on a financial institution located outside the United StatesItems that are remotely created checks, as defined in Reg CC. • Checks Items not payable in United States currency. • Checks Items dated more than 6 months prior to the date of deposit. • Checks Items that are postdated, defined as having an issue date after the date of deposit. • Items previously presented for payment to us or items another financial institution. • Items marked, in any manner, as “non-negotiable.” • Items prohibited by GCU’s our current procedures relating to the Services Mobile Deposit Capture or which are otherwise not acceptable under the terms of your GCU accountAccount. • Checks payable on sight or payable through drafts, as defined in Reg. CC. • Checks with any endorsement on the back other than that specified Nothing in this agreementAgreement shall be construed as requiring us to accept any check or item for deposit, even if we have accepted that type of check or item previously. • Checks that have previously been submitted through the Service Nor shall we be required to identify or through a mobile deposit capture service offered at reject any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • Checks checks or items on which a stop payment order has been issued or for which there are insufficient funds. • Insurance drafts. • Credit card cash advance checks. • Money Orders. • Checks made payable that you may scan and deposit that fail to cashmeet these requirements.

Eligible Checks and Items. You agree to scan and deposit only “checks” as that term is defined in Federal Reserve Regulation CC (“Reg CC”) and only those checks that are permissible under this Agreement or such other items as we, in our sole discretion, elect to include under the Service. You authorize us to process any image that you send us or convert any image to an Image Replacement Document (IRD) for subsequent presentment and collection; it . It shall thereafter be deemed an “item” within the meaning of Articles 3 and 4 of the applicable Uniform Commercial Code. You agree that you will not use the Service to scan and deposit any of the following types of checks or other items which shall be considered ineligible items: • as shown below: a. Checks or items payable to any person or entity other than you, or to you and another party; b. Checks payable to any person or entity other than the person or entity that owns the account that the check into which it is being deposited into (commonly called two party checks). • deposited; c. Checks or items containing an alteration to any of the fields on the front of the check or itemitem (including MICR line), or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn. • ; d. Checks payable jointly, unless deposited into an account in the name of all payees. • Checks or items previously converted to a substitute check, as defined in Reg. Reg CC. • ; e. Checks or items drawn on a financial institution located outside of the United States. • ; f. Checks or items that are remotely created checks, as defined in Reg CC, and checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution; g. Checks or items not payable in United States currency. • ; h. Checks or items dated more than 6 months prior to the date of deposit. • Checks or items prohibited by GCU’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your GCU account. • 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 Service or through a mobile deposit capture service offered at any other financial institution. • Checks that have previously been deposited at by other methods at GCU or any other financial institution. • ; i. Checks or items on which a stop payment order has been issued or for which there are insufficient funds. • ; j. Checks or items prohibited by our current procedures relating to the Service or which are otherwise not acceptable under the terms of your Mobile Account; k. Checks with any endorsement on the back other than that specified in this Agreement; l. Official Checks including money orders, traveler’s checks, postal money orders, cashier’s checks, certified checks, teller’s checks, and government checks; m. Insurance drafts. • ; n. Credit card cash advance checks; o. Checks or items that are drawn or otherwise issued by the U.S. Treasury Department. • Money OrdersNothing in this Agreement should be construed as requiring The State Bank of Faribault to accept any check or item for deposit, even if The State Bank of Faribault has accepted that type of check or item previously. • Checks made payable Nor shall The State Bank of Faribault be required to cashidentify or reject any checks or items that you may scan and deposit that fail to meet the requirements of this Agreement.