Common use of Endorsements and Procedures Clause in Contracts

Endorsements and Procedures. Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple Bank”. You agree to follow any and all other procedures and instructions for use of this Service as the Bank may Receipt of Items – In general, all images processed for deposit through the Services will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errors. Bank is not responsible for any image it does not receive. The Bank reserves the right to reject any item transmitted through this Service, at the Bank’s discretion and without liability. The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not subject to the funds availability requirements of Federal Reserve Board Regulation CC because this is considered an “electronic” deposit.

Endorsements and Procedures. Electronic Images shall be deemed received You agree to restrictively endorse the back of every Check deposited using Mobile Banking with the words “MOBILE DEPOSIT TO FIRSTRUST BANK,” followed by Bank for deposit based upon time Business Customer’s Account number and the signature of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usablean Authorized Person, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the BankBank (the “Required Endorsement”). If you fail to write or stamp this Required Endorsement on the back of any Check deposited using Mobile Banking and such Check is paid or presented more than one time, you agree will be liable to Bank for the amount of the Check and all costs that Bank incurs for the multiple payment or presentment. In addition, if you fail to properly endorse a Check and/or follow Bank’s instructions and procedures for the Service, Bank may not accept the Check for deposit or the processing of the Check may be delayed. If the back of a Check is not endorsed with the Required Endorsement it may not be accepted for deposit and/or may be returned. Any loss that Bank incurs from a delay or processing error resulting from a missing or irregular endorsement or other markings by you will be your responsibility. If a Check that is deposited using the Service is paid or presented more than one time and you failed to write or stamp the Required Endorsement on the back of such Check prior to depositing it using the Service, Bank may offset the amount of such Check and all checks costs that Bank incurs on account of such multiple payment or presentment by debiting your Account into which you deposited through this Service must (a) be signed such Check or by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple transferring funds from another Account held by you with Bank”. You agree to follow any and all other procedures and instructions for use of this the Service as the Bank may Receipt of Items – In general, all images processed for deposit through the Services will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation establish from Bank that we have received the image does not mean that the image contains no errors. Bank is not responsible for any image it does not receive. The Bank reserves the right time to reject any item transmitted through this Service, at the Bank’s discretion and without liability. The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not subject to the funds availability requirements of Federal Reserve Board Regulation CC because this is considered an “electronic” deposittime.

Endorsements and Procedures. Electronic Images shall be deemed received by Company agrees to place on the backside of each Check processed for collection at the Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere through this Service a restrictively endorsement which reads “Mobile Deposit to the standards discussed herein. If any Electronic Image is not complete, is not usableCentral Bank”, or does not adhere words to that effect as satisfactory to Bank. Endorsements must be made on the standardsback of the Check within 1&1/2 inches from the top edge, the Electronic Image although Bank may not be processed accept endorsements outside this space. Any loss Bank incurs from a delay or processing error resulting from an irregular endorsement or other markings by Bank, in which even your deposit Company will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that dayCompany’s responsibility. Bank may accept these deposits and they will be processed reject any Check payable to co-payees, even if Company is one of the payees listed on Bank’s next Business Daythe face of the Check. Bank shall give provisional credit for deposits subject will consider, but is not obligated to revocation accept, Check’s listing Company as one of credit for deposits the co-payees, provided a) the image of the Check presented to Bank under the Service contains the legible signature endorsement of all co-payees to the instrument, including Company; and b) contains a restrictive endorsement above the co-payees signatures which reads “Mobile Deposit to account of [Company’s full name]”. If Company is a sole proprietorship, Checks written as provided payable in Regulation CC and the Uniform Commercial Code. The availability name of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must individual owner of Company may be properly endorsed by you prior deposited to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited Company’s Account at Bank through this Service must (a) be signed by all required payees, so long Checks are presented in compliance with the Service’s terms and (b) state that they are “Deposit only – Mobile Deposit Maple Bank”conditions. You agree Company agrees to follow comply with any and all other procedures and instructions for use of this the Mobile Deposit Service as the Bank may establish from time to time, such as within any applicable Users Guide (the “Procedures”). Cut-off Times for Deposits: Deposits made via Mobile Deposit must be made before 7:00 PM Eastern Standard Time on a Business Day in order to be considered deposited same day. Deposits made after 7:00 PM Eastern Standard Time on a Business Day will be considered deposited the next Business Day. Receipt of Items – In general, all images processed for deposit through the Services will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errors. Bank is not responsible for any image it does not receive. The Items: Bank reserves the right to reject any item transmitted through this ServiceMobile Deposit, at the Bank’s discretion and discretion, without liabilityliability to Company. The Bank is shall not be responsible for items the Bank does not receive or for Check images that are dropped during transmission. The An image of an item shall be deemed received when Company receives a confirmation from Bank further reserves that we have received the right to charge back to Customer’s account at any time any item image. Receipt of such confirmation does not mean the transmission was error free or complete. Processing and/or transmission errors can occur after Bank acknowledges receipt that may impact transaction completion. Following receipt of such confirmation, the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may will process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not Funds: Once deposited, subject to the cut-off time described above, our policy, in most cases, is to make funds from Company’s Check deposits available to Company on the second Business Day after the day Bank receives the Check in compliance with this Service, unless a different or longer time period is required under Company’s Account Rules and Regulations’ Funds Availability Policy or should Bank decide to apply a longer hold period due to Company’s history of repeated overdrafts or grounds that Bank reasonably believes affects the ultimate collectability of the Check. In all cases, Company will receive full availability requirements of Federal Reserve Board Regulation CC because the funds memorialized in Checks accepted by Bank under this is considered Service by the seventh Business Day after Bank accepts the Check for deposit. If Company’s Account has been open 30 days or less, however, Company may not receive full availability until the ninth Business Day after the day of deposit. Disposal of Transmitted Items: After Company receive confirmation that Bank has received and accepted an image of a Check under this Service, and once Company receive full credit for the Check as manifested in Company’s Account balance as communicated by Bank, Company must and shall prominently marking the original Check “electronicVOID” depositand then destroying that same Check by cross-cut shredding or another commercially acceptable means of destruction. Destroying the Check prevents it from being presented for deposit another time. After destruction of the original Check, the image will be the sole evidence of the original instrument. Company agree that Company will never re-present the original check, nor give the original Check to anyone else for any purpose other than its destruction.

Endorsements and Procedures. Electronic Images shall be deemed received You agree to restrictively endorse any item transmitted through our RDC service by Bank for deposit based upon time either: • Signing the back of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even item with your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC name and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are words “Deposit only – For Mobile Deposit Maple Bank”Only” • Following other instructions provided by us. You agree to follow any and all other further procedures and instructions for use of our RDC service that we may communicate to you through changes to this Service agreement or through other notice we provide to you. You agree to securely retain each item for no fewer than 90 days after deposit. Then, no fewer than 90 days after deposit, you agree to mark each item submitted via our RDC service as “Void” and dispose of it using a high degree of care to ensure the Bank item cannot be transmitted, deposited, or presented again. We reserve the right to impose daily limits on the aggregate amount of and/or number of deposits you may Receipt make using our RDC service. We may modify these limits at any time and without notice. Current limits are presented to you in our RDC service interface. Your enrollment in our RDC services generally occurs when you become an account owner; however, we reserve the right to deny your enrollment in and terminate your access to RDC service at our sole discretion. You warrant to us that: • You will only transmit eligible items that are properly endorsed. • You will not transmit duplicate items. • All information you provide to us when using our RDC service is accurate and true. • We will not sustain a loss because you have deposited an item. • You will indemnify us from any loss for breach of Items – this warranty provision. In general, all images processed for deposit through the Services will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the if an image does not mean that the image contains no errors. Bank is not responsible for any image it does not receive. The Bank reserves the right to reject any item transmitted through this Service, at the Bank’s discretion and without liability. The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item. Following receiptitem you transmit using RDC is received and accepted before 4:00 p.m. ET on a business day we are open, Bank may process we consider that day to be the image by preparing a “substitute check” or clearing the item as an image. Availability day of Funds – You agree that items transmitted using this Service is not deposit, subject to the other terms and conditions herein. Otherwise, we may consider the deposit to be made on the next Business Day we are open. Funds deposited using our RDC service will generally be made available by the third business day from the day of deposit. However, we generally make the first $225 of the aggregate of your checks deposited through our RDC service on each business day available by the next business day. We may delay the availability of your funds availability requirements for a longer period of Federal Reserve Board Regulation CC because this is considered an “electronic” deposittime at our discretion if we deem it appropriate in accordance with our policies and procedures.

Endorsements and Procedures. Electronic Images shall You agree to restrictively endorse any item transmitted through the Service as “For Mobile Deposit Only at Allied Federal Credit Union” with your Allied Federal Credit Union account number and signature, signed as the name is formatted on the front of the check. In accordance with Federal Reserve specifications, “For Mobile Deposit Only at Allied Federal Credit Union” must be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, handwritten and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may cannot be processed signified by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with checking printed boxes on the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under back of the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received check designated by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple Bank”check printer. You agree to follow any and all other procedures and instructions for use of this Service as Allied Federal Credit Union may establish in the Bank may Receipt future. Any loss we incur from delay or processing error resulting from an improper endorsement or other markings by you will be your responsibility. IMAGE QUALITY: The image being transmitted through Mobile Deposit to Allied Federal Credit Union must be an accurate and legible image of Items – In generalthe front and back copy of the check, all including but not limited to, information about the drawer, the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the check and any endorsements applied to the back of the original check. The image quality must comply with and meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. RECEIPT OF DEPOSIT: All images processed for deposit through the Services will be treated as “deposits” under your current Deposit Allied Federal Credit Union Account Terms Agreement and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errors. Bank is not responsible for any image it does not receive. The Bank reserves reserve the right to reject any item transmitted through this the Service, at the Bank’s discretion and our discretion, without liabilityliability to you. The Bank is We are not responsible for items the Bank does that We do not receive or for images that are dropped during transmission. The Bank further reserves the right When an image is received by Us, we will confirm receipt via email or text to charge back to Customer’s account at any time any item You. Confirmation does not mean that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur image contains no errors and will be accepted as a result of a chargeback of an ineligible itemdeposit. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – FUNDS AVAILABILITY: You agree that items transmitted using this Service is are not subject to the funds availability requirements of Federal Reserve Board Regulation CC because CC. Items transmitted by You and received by Us by 6:00 p.m. CST Monday through Friday, not including holidays, shall be credited to the Member’s deposit account on the next Business Day. Items received by the Credit Union after 6:00 p.m. CST on any Business Day shall be credited to the Member’s deposit account on the second Business Day after the deposit. Business Days are Monday through Friday, not including Federal and Credit Union posted holidays. RETURNED DEPOSITS: Any credit to your account for checks deposited using Mobile Deposit is provisional. If any item is not honored for any reason you will receive a Substitute Check, which is a paper reproduction of a check that contains an image of the front and back of the check and meets the other technical requirements for a substitute check under Check 21, as the charged-back item. You may not use this Service to deposit a Substitute Check and you may not deposit the original check, whether by physical deposit or by using Mobile Deposit. You agree to be held liable for funds used before the deposit is considered accepted and shown as a deposit in Your account. You agree to abide by any additional RETENTION OF ORIGINAL CHECKS: After you receive confirmation that We have received a check image, and the check image has been credited to Your account, You must xxxx the front of the check with “VOID” and securely store the original check for 90 days after transmission to Us and make the original check accessible to Us at Our request. Upon this request you will deliver, at your expense, the requested original check within 5 Business Days. If not provided in a timely manner by You, such amount will be deducted from Your deposit account regardless of whether such action may cause your account to not have sufficient funds and You agree to pay any associated fee. You may not present the original check or any image or Substitute Check created from the original check for payment at any other financial institution. Member shall be responsible for safekeeping and destruction of original items which are scanned, transmitted electronically and deposited using the Service. After the 90 days you must destroy the original check by cross-cut shredding or other acceptable means of permanent destruction. After destruction of an “electronic” deposit.original check, the image will be the sole evidence of the original check. DEPOSIT LIMITS: We reserve the right to impose limits on the amount(s) and/or number of deposits that You transmit using the Service and to modify such limits from time to time. Mobile deposit limits are $2,000.00 per check and

Endorsements and Procedures. Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple NorthSide Community Bank”. You agree to follow any and all other procedures and instructions for use of this Service as the Bank may Receipt of Items – In general, all images processed for deposit through the Services establish from time to time. Any loss that Bank incurs from a delay or processing error resulting from an irregular endorsement or other markings by you will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errorsresponsibility. Bank is not responsible has no responsibility or liability for any image it does not receivefees incurred due to the rejection of transmitted items for missing/incomplete endorsements. The Bank reserves may also delay in making funds available due to the right following circumstances: • The Bank suspects the check you deposited may not be paid • You redeposit a check that has been returned unpaid • You have overdrawn your Account repeatedly in the past six months • There is an emergency, such as failure of computer or communications equipment • The Bank believes a check you deposited is a duplicate image • The Bank exercises its rights to reject investigate any item transmitted through this Service, at unusual or suspicious items as determined by the Bank’s sole discretion and without liability. The Bank will notify you if there is not responsible any type of delay in your ability to withdraw funds for items any of these or other reasons, and the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right will attempt to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees tell you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not subject to when the funds availability requirements of Federal Reserve Board Regulation CC because this is considered an “electronic” depositwill be available.

Endorsements and Procedures. Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere You agree to endorse each check deposited into a consumer account transmitted through the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply Service with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts following endorsement: Back of check: Your signature You agree to present these Sufficient Image Copies for collection under the Check21 framework. The daily cutendorse each check deposited into a non-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted consumer account transmitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by Service with the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple Bank”. following endorsement: Back of check: Business name You agree to follow any and all other procedures and instructions for use of this the Service that we may establish from time to time. You will be liable for any loss we incur from a delay or processing error resulting from an irregular endorsement or other markings by you or the maker on the original check. Each image must provide us with all of the information that appears on the front and back of the original check at the time it is given to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality of an item transmitted using the Service must be legible, as determined in the Bank may sole discretion of the Bank. Without limiting the foregoing, an item’s image quality must comply with the requirements established by the Bank, American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearinghouse or association. We reserve the right to reject any image transmitted through the Service, at our discretion, without liability to the Bank. We are not responsible for images we do not receive, such as an image that is dropped during transmission. An image will be deemed received when you receive our confirmation of receipt, as reflected by the “Delivered” icon located directly to the left of the “Deposit History” details on the App. Receipt of Items – In general, all images processed for deposit through the Services will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any such confirmation from Bank that we have received the image does not mean that the image contains no errorstransmission was error-free, complete or that it will be considered a deposit and credited to your Account. Bank is not responsible for any image it does not receive. The Bank reserves the right to reject any item transmitted through this Service, at the Bank’s discretion and without liability. The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. The Bank further reserves We reserve the right to charge back to Customer’s account your Account at any time any item image that the Bank is subsequently returned to us or that we subsequently determine was is not an eligible item. You agree and accept the responsibility for monitoring your Account statement for unaccepted or charged back mobile deposit items. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a our chargeback of an image that is returned to us or is otherwise deemed to be an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not subject to the funds availability requirements of Federal Reserve Board Regulation CC because this is considered an “electronic” deposit.

Endorsements and Procedures. Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST1:00 PM Central Standard Time. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on the Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple BankBank of Commerce”. You agree to follow any and all other procedures and instructions for use of this Service as the Bank may Receipt of Items – In general, all images processed for deposit through the Services establish from time to time. Any loss that Bank incurs from a delay or processing error resulting from an irregular endorsement or other markings by you will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errorsresponsibility. Bank is not responsible has no responsibility or liability for any image it does not receive. The Bank reserves the right to reject any item transmitted through this Service, at the Bank’s discretion and without liability. The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not subject incurred due to the funds availability requirements rejection of Federal Reserve Board Regulation CC because this is considered an “electronic” deposittransmitted items for missing/incomplete endorsements.

Endorsements and Procedures. Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple NorthSide Community Bank”. You agree to follow any and all other procedures and instructions for use of this Service as the Bank may Receipt of Items – In general, all images processed for deposit through the Services establish from time to time. Any loss that Bank incurs from a delay or processing error resulting from an irregular endorsement or other markings by you will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errorsresponsibility. Bank is not responsible has no responsibility or liability for any image it does not receivefees incurred due to the rejection of transmitted items for missing/incomplete endorsements. The Bank reserves may also delay in making funds available due to the right following circumstances:  The Bank suspects the check you deposited may not be paid  You redeposit a check that has been returned unpaid  You have overdrawn your Account repeatedly in the past six months  There is an emergency, such as failure of computer or communications equipment  The Bank believes a check you deposited is a duplicate image  The Bank exercises its rights to reject investigate any item transmitted through this Service, at unusual or suspicious items as determined by the Bank’s sole discretion and without liability. The Bank will notify you if there is not responsible any type of delay in your ability to withdraw funds for items any of these or other reasons, and the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right will attempt to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees tell you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not subject to when the funds availability requirements of Federal Reserve Board Regulation CC because this is considered an “electronic” depositwill be available.

Endorsements and Procedures. Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 2:45 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you You agree that all checks deposited through this Service must (a) be signed endorsed by all required payees, and (b) state that they are contain the restrictive endorsement “Deposit only – Mobile Deposit Maple BankOnly, SNB”(c) and the face of the check must contain the restrictive legend “Mobile Deposit Only, SNB MM/DD/YY”, where MM/DD/YY represents the date of deposit. Items not meeting these conditions will not be accepted for deposit. You agree to follow any and all other procedures and instructions for use of this Service as the Bank may Receipt of Items – In general, all images processed for deposit through the Services establish from time to time. Any loss that Bank incurs from a delay or processing error resulting from an irregular endorsement or other markings by you will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errorsresponsibility. Bank is not responsible has no responsibility or liability for any image it does not receive. The Bank reserves fees incurred due to the right to reject any item rejection of transmitted through this Service, at the Bank’s discretion and without liability. The Bank is not responsible items for items the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an imagemissing/incomplete endorsements. Availability of Funds – You agree that items transmitted using this Service is are not subject to the funds availability requirements of Federal Reserve Board Regulation CC because this is considered for an “electronic” deposit. Generally, and except as otherwise provided herein, items transmitted using this Service will be available subject to the Bank’s approval. If you make a deposit using this Service before 2:45p.m.CST, on a business day that the Bank is open, the Bank will consider that day to be the day of your deposit. However, if you make a deposit using this Service after 2:45p.m.CST, or on a day that we are not open, the Bank will consider that deposit to have been made on the next business day that the Bank is open. You acknowledge that all credits given by the Bank for an item are provisional, subject to verification and final settlement. The Bank shall have no liability for the return or refusal of any item. The Bank may also delay in making funds available due to the following circumstances: • The Bank suspects the check you deposited may not be paid • You redeposit a check that has been returned unpaid • You have overdrawn your Account repeatedly in the past six months • There is an emergency, such as failure of computer or communications equipment • The Bank believes a check you deposited is a duplicate image • The Bank exercises its rights to investigate any unusual or suspicious items as determined by the Bank’s sole discretion The Bank will notify you if there is any type of delay in your ability to withdraw funds for any of these or other reasons, and the Bank will attempt to tell you when the funds will be available.

Endorsements and Procedures. Electronic Images shall be deemed received by Bank for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed herein. If any Electronic Image is not complete, is not usable, or does not adhere to the standards, the Electronic Image may not be processed by Bank, in which even your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check21 framework. The daily cut-off time for Personal RDC deposits is 4:00 p.m. CST. Such daily cut-off times may be adjusted by Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, Bank will not guarantee that deposits will be processed that day. Bank may accept these deposits and they will be processed on Bank’s next Business Day. Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. All checks submitted through the Services must be properly endorsed by you prior to transmittal. Unless otherwise instructed by the Bank, you agree that all checks deposited through this Service must (a) be signed by all required payees, and (b) state that they are “Deposit only – Mobile Deposit Maple NorthSide Community Bank”. You agree to follow any and all other procedures and instructions for use of this Service as the Bank may establish from time to time. Any loss that Bank incurs from a delay or processing error resulting from an irregular endorsement or other markings by you will be your responsibility. Bank has no responsibility or liability for any fees incurred due to the rejection of transmitted items for missing/incomplete endorsements. Receipt of Items – In general, all images processed for deposit through the Services will be treated as “deposits” under your current Deposit Account Terms and Conditions with Bank. Any confirmation from Bank that we have received the image does not mean that the image contains no errors. Bank is not responsible for any image it does not receive. The Bank reserves the right to reject any item transmitted through this Service, at the Bank’s discretion and without liability. The Bank is not responsible for items the Bank does not receive or for images that are dropped during transmission. The Bank further reserves the right to charge back to Customer’s account at any time any item that the Bank subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of a chargeback of an ineligible item. Following receipt, Bank may process the image by preparing a “substitute check” or clearing the item as an image. Availability of Funds – You agree that items transmitted using this Service is not subject to the funds availability requirements of Federal Reserve Board Regulation CC because this is considered an “electronic” deposit. Generally, and except as otherwise provided herein, items transmitted using this Service will be available subject to the Bank’s approval. If you make a deposit using this Service before 4:00p.m.CST, on a business day that the Bank is open, the Bank will consider that day to be the day of your deposit. However, if you make a deposit using this Service after 4:00p.m.CST, or on a day that we are not open, the Bank will consider that deposit to have been made on the next business day that the Bank is open. You acknowledge that all credits given by the Bank for an item are provisional, subject to verification and final settlement. The Bank shall have no liability for the return or refusal of any item.