Common use of Handling of Items Clause in Contracts

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returned. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item items or items orders are actually received by our personnel. We have the right to endorse indorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment payment, without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution or incur an expense in connection with any of your Accounts Accounts, that fee or expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account account or cashed by you at the Credit Union credit union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, warranty or otherwise, we may charge back the amount of any such item to your Account account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Accountaccount. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts that accounts, a fee expense may be charged to your Accountaccount. Requesting Should we accept a hold on deposit from you by any electronically created item such as a remotely deposited check, you will indemnify us for any claim by any subsequent third party for claim of loss for a subsequent deposit will not alter of the same item, whether such action was authorized by you or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectabilitynot.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We will not be responsible for any deposit made through our online/mobile deposit system, until it is received by our personnel. We will not be liable for any errors or technical difficulties encountered in regards to the equipment used by you or for any loss in transit of items. We have the right to endorse all checks payable to you for deposit into your Accountaccount. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. We reserve the right to send any item on a collection basis only. Items drawn on institutions located outside of the United States are handled on a collection basis only. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Accountaccount. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts accounts, that fee expense may be charged to your Accountaccount. Requesting You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process. For that reason, our procedures generally do not provide for the examination of items. You acknowledge and agree that reasonable commercial standards do not require us to sight-review every item presented and that any failure to perform sight-review shall not constitute a hold on lack of ordinary care in the payment of any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We will not be responsible for any deposit made through our online/mobile deposit system, until it is received by our personnel. We will not be liable for any errors or technical difficulties encountered in regard to the equipment used by you or for any loss in transit of items. We have the right to endorse all checks payable to you for deposit into your Accountaccount. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. We reserve the right to send any item on a collection basis only. Items drawn on institutions located outside of the United States are handled on a collection basis only. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account account or cashed by you at the Credit Union is subsequently returned based returnedbased upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Accountaccount. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.expense

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We will not be responsible for any deposit made through UDeposit, online/mobile deposit system, until it is received by our personnel. We will not be liable for any errors or technical difficulties encountered in regards to the equipment used by you or for any loss in transit of items. We have the right to endorse all checks payable to you for deposit into your Accountaccount. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. We reserve the right to send any item on a collection basis only. Items drawn on institutions located outside of the United States are handled on a collection basis only. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Accountaccount. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts accounts, that fee expense may be charged to your Accountaccount. Requesting You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process. For that reason, our procedures generally do not provide for the examination of items. You acknowledge and agree that reasonable commercial standards do not require us to sight-review every item presented and that any failure to perform sight-review shall not constitute a hold on lack of ordinary care in the payment of any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items depositedyou deposit. Any deposit that we accept will the Credit Union accepts shall be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that item is “good,” has “cleared,” or has been paid by the paying financial institution. It is possible that a deposited item will be returned unpaid after we have made the funds available to you and you have withdrawn the funds. We are not responsible for any deposit or other transaction initiated you initiate by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use mail, make at an unattended facility, make at one of our night depository ATMs/ITMs, make through our Remote Deposit Capture (RDC) Service, or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until one of our personnel actually receives the item or items are actually received by our personnelitem. We You understand and agree that we have the right to endorse all checks payable to you for deposit into your Account. We Further, we will not be liable for the negligence of any correspondent bank or other financial institution nor for any loss incurred in transit when items are forwarded to correspondentsany correspondent bank or other financial institution. We will not be liable for reserve the right to send any delay as item on a result collection basis only. Items drawn on financial institutions located outside of any interruption of communication facilities or any other circumstances beyond our controlthe United States are handled on a collection basis only. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without noticepayment, regardless of whether the item has been returned. You understand and agree that, that if we are charged a fee by any other financial institution in connection with any of your Accounts that fee expense may be charged to your Account. You understand and agree that if a check that has been deposited to into your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that Also, we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if If we are charged receive a fee by from any correspondent bank or other financial institution in connection with any your deposit, you understand and agree that we may charge back the Account in the amount of your Accounts that fee expense the fee. You may be charged a returned check fee for a returned item, as set forth in the Truth-In-Savings Fee Schedule. If we resubmit an item that has been returned to your Accountus, you understand you may be charged an additional return fee each time the item is returned as set forth in the Truth-In-Savings Fee Schedule. Requesting a hold The Credit Union reserves the right to collect electronically on any deposit will check you write drawn on another financial institution when that check is subsequently returned as insufficient or uncollected funds in accordance with the NACHA Operating Rules and Guidelines, including the collection of applicable fees. The Credit Union is not alter liable for any delay as a result of any interruption of communication facilities or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectabilityany other circumstances beyond our control.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts Accounts, that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process, and for that itemreason, our procedures generally do not include sight-review of items. An item can be returned unpaid for up You acknowledge and agree that reasonable commercial standards do not require us to three years for fraud or forgery. Acceptance of your deposit sight-review every check presented and that any failure to sight-review does not guarantee collectabilityconstitute a lack of ordinary care in the payment of any item.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the funds from the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse indorse all checks payable to you for deposit into your Account. We may accept deposits to your account from any source and we need not question the authority of the person making the deposit. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returned. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item items or items orders are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item items or items orders are actually received by our personnel. We have the right to endorse indorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment payment, without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or an alleged breach of any transfer warranty, presentment warranty, or otherwise, we the Credit Union may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree thatagree, if we are charged a fee by any other institution in connection with any of your Accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returned. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectabilityguaranteecollectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. Items drawn on financial institutions located outside of the United States are handled on a collection basis only. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item items or items orders are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment payment, without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution or incur an expense in connection with any of your Accounts Accounts, that fee or expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item items or items orders are actually received by our personnel. We have the right to endorse indorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment payment, without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.You

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. If accepted, items drawn on financial institutions located outside of the United States are handled on a collection basis only. We reserve the right to accept any item on a collection basis only. Just because we have made funds from a deposited check or other item for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. A Return Deposit Item Fee as set forth in the Fee Schedule may be charged each time a resubmitted deposit item(s) is returned to us. We may charge a Return Payment Fee each time a resubmitted item is returned to us. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts Accounts, that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities You acknowledge that we employ an automated collection procedure in order to more efficiently handle the high volume of items we process, and for that itemreason, our procedures generally do not include sight-review of items. An item can be returned unpaid for up You acknowledge and agree that reasonable commercial standards do not require us to three years for fraud or forgery. Acceptance of your deposit sight-review every check presented and that any failure to sight-review does not guarantee collectabilityconstitute a lack of ordinary care in the payment of any item.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item items or items orders are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item items or items orders are actually received by our personnel. We have the right to endorse indorse all checks payable pay- able to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication com- munication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment payment, without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or an alleged breach of any transfer warranty, presentment warranty, or otherwise, we the Credit Union may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.in

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without noticepayment, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or an alleged breach of any transfer warranty, presentment warranty, warranty or otherwise, we the Credit Union may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts Accounts, that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act The Credit Union acts only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. If accepted, items drawn on financial institutions located outside of the United States are handled on a collection basis only. Even if we have made funds from a deposited check or other item available for withdrawal that does not necessarily mean the item has been paid by the issuing financial institution. It is possible a deposited item can be returned unpaid after we have made the funds available and you have withdrawn the funds. You are responsible for all items returned on your Account and any associated fees. You acknowledge that no one, including our employees, can guarantee a check or other item you deposit will not be returned. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by one of our personnelemployees. We will not be responsible for any deposit or other transaction during the course of delivery to us by any the postal service, courier or other third party until the item or items are actually received by one of our personnel. We have the right to endorse all checks payable to you for deposit into your Accountemployees. We will not be liable for the negligence of any correspondent bank or financial institution nor for any loss incurred in transit when items are forwarded to correspondentsforwarded. We will are not be liable accountable for any delay as a result of delays resulting from any interruption of communication facilities or any other circumstances beyond our control. You agree consent to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that grant we may charge back any item before payment without noticepayment, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union item is subsequently returned based upon a breach or an alleged breach of any transfer warranty, presentment warranty, warranty or otherwise, we the Credit Union may charge back withdrawal the amount of any such item to from your Account at any time without notice. You agree concur that we may resubmit an item for payment that has been returned to us for payment, and without notice to you waive notice that an item has been dishonored or charged back against your Account. A Return Deposited Check Fee as set forth in the Fee Schedule may be charged each time a resubmitted item is returned to us. If we cash a check or checks for you over the counter at your request and the check or checks are subsequently returned unpaid for any reason, you consent that we may withdraw the amount of the item(s) against your Account together with a fee for the returned item(s) as set forth in the Fee Schedule. You also agree that, grant if we are the Credit Union is charged a fee by any other another financial institution in connection with any of your Accounts Accounts, that fee expense may be charged passed on to you and settled from your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities You acknowledge we employ an automated collection procedure in order to more efficiently handle the high volume of items we process, and for that itemreason our procedures generally do not include sight review of items. An item can be returned unpaid for up You acknowledge and consent that reasonable commercial standards do not require the Credit Union to three years for fraud or forgery. Acceptance of your deposit sight review every check presented and the failure to sight review does not guarantee collectabilityconstitute a lack of ordinary care in the payment of any item.

Handling of Items. We reserve the right to refuse any item for deposit into your Account. We act only as a collecting agent for any items deposited. Any deposit that we accept will shall be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. If accepted, items drawn on financial institutions located outside of the United States are handled on a collection basis only. We reserve the right to send any other item on a collection basis only. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse indorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment payment, without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or an alleged breach of any transfer warranty, presentment warranty, warranty or otherwise, we the Credit Union may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. A Deposited Item Return Fee as set forth on the Fee Schedule may be charged each time a resubmitted item is returned to us. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts Accounts, that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for You acknowledge that itemwe employ an automated collection procedure in order to more efficiently handle the high volume of items we process. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit This automated procedure does not guarantee collectabilityprovide for sight-review of items, which reduces costs for all members. You agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not provide for sight-review of items.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returned. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts Accounts, that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse indorse all checks payable to you for deposit into your Account. We may accept deposits to your account from any source and we need not question the authority of the person making the deposit. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returned. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are order is actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are order is actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returnedreturned or not. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, warranty or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, that if we are charged a fee by any other institution in connection with any of your Accounts Accounts, that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept ac- cept will be provisional and will be subject to subsequent payment verification. We are not responsible for any deposit or other transaction initiated by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item or items are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities facili- ties or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment without notice, regardless of whether the item has been returned. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment pre- sentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution in connection with any of your Accounts Accounts, that fee expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.

Handling of Items. We act only as a collecting agent for any items depositedyou deposit. Any deposit that we accept will the Credit Union accepts shall be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that item is “good”, has “cleared”, or has been paid by the paying financial institution. It is possible that a deposited item will be returned unpaid after we have made the funds available to you and you have withdrawn the funds. We are not responsible for any deposit or other transaction initiated you initiate by mail until the item is actually received. We will not be responsible for any deposit or other transaction made through the use mail, make at an unattended facility, make at one of our night depository ATMs/ITMs, make through our Remote Deposit Capture (RDC) Service, or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until one of our personnel actually receives the item or items are actually received by our personnelitem. We You understand and agree that we have the right to endorse all checks payable to you for deposit into your Account. We Further, we will not be liable for the negligence of any correspondent bank or other financial institution nor for any loss incurred in transit when items are forwarded to correspondentsany correspondent bank or other financial institution. We will not be liable for reserve the right to send any delay as item on a result collection basis only. Items drawn on financial institutions located outside of any interruption of communication facilities or any other circumstances beyond our controlthe United States are handled on a collection basis only. You agree to bear the risk of any change in the exchange rate with respect to any items that which may be payable in foreign currency. You agree that we may charge back any item before payment without noticepayment, regardless of whether the item has been returned. You understand and agree that, that if we are charged a fee by any other financial institution in connection with any of your Accounts that fee expense may be charged to your Account. You understand and agree that if a check that has been deposited to into your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that Also, we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if If we are charged receive a fee by from any correspondent bank or other financial institution in connection with your deposit, you understand and agree that we may charge back the Account in the amount of the fee. A returned check fee may be imposed for a returned item, as set forth in the Truth- In-Savings Fee Schedule. The Credit Union reserves the right to collect electronically on any check you write drawn on another financial institution when that check is subsequently returned as insufficient or uncollected funds in accordance to the NACHA Operating Rules and Guidelines, including the collection of your Accounts that fee expense applicable fees. The Credit Union is not liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You may be charged a return fee in connection with a returned check, as set forth in the Truth-In-Savings Fee Schedule. If we resubmit an item that has been returned to your Account. Requesting us, you understand you may be charged a hold on any deposit will not alter or release you from your responsibilities for that item. An return fee each time the item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectabilityis returned.

Handling of Items. We act only as a collecting agent for any items deposited. Any deposit that we accept will be provisional and will be subject to subsequent payment verification. Just because we have made funds from a deposited check or other item available for withdrawal does not mean that the item is “good,” has “cleared,” or has been paid by the paying bank. It is possible that a deposited item will be returned unpaid months after we have made the funds available to you and you have withdrawn the funds. You are responsible for all items returned on your Account, and you acknowledge that no one, including our employees, can guarantee that a check or other item you deposit will not be returned. We are not responsible for any deposit or other transaction initiated by mail until the item or order is actually received. We will not be responsible for any deposit or other transaction made through the use of our night depository or any other unattended facility until the item or items are actually removed from the depository or facility by our personnel. We will not be responsible for any deposit or other transaction during the course of delivery to us by any courier or other third party until the item items or items orders are actually received by our personnel. We have the right to endorse all checks payable to you for deposit into your Account. We will not be liable for the negligence of any correspondent bank or institution nor for any loss incurred in transit when items are forwarded to correspondents. We will not be liable for any delay as a result of any interruption of communication facilities or any other circumstances beyond our control. You agree to bear the risk of any change in the exchange rate with respect to any items that may be payable in foreign currency. You agree that we may charge back any item before payment payment, without notice, regardless of whether the item has been returned. You agree that, if a check that has been deposited to your Account or cashed by you at the Credit Union is subsequently returned based upon a breach or alleged breach of any transfer warranty, presentment warranty, or otherwise, we may charge back the amount of any such item to your Account at any time without notice. You agree that we may resubmit an item that has been returned to us for payment, and you waive notice that an item has been dishonored or charged back against your Account. You also agree that, if we are charged a fee by any other institution or incur an expense in connection with any of your Accounts Accounts, that fee or expense may be charged to your Account. Requesting a hold on any deposit will not alter or release you from your responsibilities for that item. An item can be returned unpaid for up to three years for fraud or forgery. Acceptance of your deposit does not guarantee collectability.