Common use of Ineligible Checks Clause in Contracts

Ineligible Checks. You agree that you will not use the Service to scan and deposit any checks as listed below: • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks with any endorsement on the back other than specified in this Agreement. • Checks containing obvious alteration to any of the fields on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks drawn on a financial institution located outside the United States. • Checks dated more than six (6) months prior to the date of deposit or future- dated checks. • Checks that are in any way incomplete. • Checks prohibited by the Bank’s current procedures relating to the Service or which are otherwise not acceptable under the terms of your Terms and Conditions of Your Account (“Terms and Conditions”), provided at the time of the New Account Opening. • Checks on which the numerical and written amount are different. • Checks that have been previously returned unpaid by the financial institution on which they are drawn, including substitute, and remotely created checks. • Checks that are payable to cash. • Checks that have been previously submitted through the Service or through a remote deposit capture service offered at any other financial institution. IMAGE QUALITY You are solely responsible for the quality, completeness, accuracy, validity, and integrity of the image. You are solely responsible for the security of your mobile device. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect, or illegible images to us or if the Service is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect, or otherwise improper or unusable images to us. You will promptly provide any retained check, or a sufficient copy of the front and back of the check, to the Bank as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any check or check image, or for the Bank’s audit purposes. In addition, you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, or disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners retain all rights, title, and interests in and to the Service, Software and Development made available to you. The image of a check transmitted to the Bank using the Service must be legible, as determined by the sole discretion of the Bank. The image that is transmitted must be of such quality that the following information can easily be read: • The amount of the check. • The payee. • The drawer’s signature. • The date of the check • The check number. • Information identifying the drawer and the paying bank that is preprinted on the check in a commercially acceptable format, including the routing number, account number and check number.

Ineligible Checks. You understand and agree that you will are not use permitted to deposit the Service to scan and deposit any checks as listed belowfollowing items using 1st CCU Mobile Deposit: • Checks Any item drawn on your personal account at 1st CCU • Any item issued by a financial institution in a foreign country • Any third party check (i.e., any item that is made payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. another party and then endorsed to you by such party) • Checks payable jointly, unless deposited into or items containing an account in the name of all payees. • Checks with any endorsement on the back other than specified in this Agreement. • Checks containing obvious alteration to any of the fields on the front of the check, check or item which you know or suspect, or should know or suspect, are suspect to be fraudulent • Any item that has been redeposited or otherwise not authorized by the owner of the account on which the check is drawn. • Checks drawn on a financial institution located outside the United States. • Checks dated more than six (6) months prior to the date of deposit or future- dated checks. returned previously • Checks that are in any way incompleterequire authorization (COMCHEKS, RapidDrafts) • Savings Bonds • Travelers checks • Warrant checks • Money orders • Rebate checks (including merchant refund checks) • Stale or post-dated checks Endorsements You agree to properly endorse each check with the approved endorsement prior to submitting such check through 1st CCU Mobile Deposit. Please follow these instructions when depositing checks via Mobile Deposit Capture: • Checks prohibited by Do NOT sign your name on the Bank’s current procedures relating to the Service or which are otherwise not acceptable under the terms of your Terms and Conditions of Your Account (“Terms and Conditions”), provided at the time back of the New Account Opening. check • Checks Write "For 1st CCU Mobile Deposit Only" on which the numerical and written amount are different. • Checks that have been previously returned unpaid by the financial institution on which they are drawn, including substitute, and remotely created checks. • Checks that are payable to cash. • Checks that have been previously submitted through the Service or through a remote deposit capture service offered at any other financial institution. IMAGE QUALITY You are solely responsible for the quality, completeness, accuracy, validity, and integrity back of the image. You are solely responsible for check • The system uses character recognition to ensure that the security approved endorsement (and ONLY the approved endorsement) has been written on the back of your mobile device. You are solely responsible if you, intentionally each check • The system will reject checks that contain a signature or unintentionally, submit fraudulent, incorrect, or illegible images any characters other than the approved endorsement • Use only the approved endorsement wording "For 1st CCU Mobile Deposit Only" Image Quality The image of the item transmitted to us or if must accurately and legibly provide all the Service is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect, or otherwise improper or unusable images to us. You will promptly provide any retained check, or a sufficient copy of information on the front and back of the check, check at the time of presentment to you by the Bank as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any check or check image, or for the Bank’s audit purposesdrawer. In addition, you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, or disassemble or decompile the technology or Service, copy or reproduce all or any part The scanned image of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners retain all rights, title, and interests in and to the Service, Software and Development made available to you. The image of a check transmitted to the Bank us using the Service 1st CCU Mobile Deposit must be legibleaccurately and legibly provide, as determined by the sole discretion of the Bank. The image that is transmitted must be of such quality that among other things, the following information: (1) your endorsement; (2) the information can easily be read: • The amount of the check. • The payee. • The drawer’s signature. • The date of the check • The check number. • Information identifying the drawer and the paying bank that is preprinted on the check in a commercially acceptable formatcheck, including complete and accurate MICR information and the routing numbersignatures; and (3) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality of the check must comply with the requirements established by the American National Standards Institute (“ANSI”), clearing house, association or any other regulatory agency. Deposit Limits We reserve the right to impose limits on the amount(s) and/or number of deposits that you transmit using 1st CCU Mobile Deposit and to modify such limits from time to time. Limits vary depending on pre- determined specifications. Please contact 1st CCU for more information regarding your deposit limit. Unless otherwise indicated, you may deposit $1,500 per day. Returned Deposits Any credit to your account number using 1st CCU Mobile Deposit is provisional. If a check deposited through 1st CCU Mobile Deposit is dishonored, rejected, or otherwise returned as unpaid by the drawee bank, or the item is rejected, or returned by a clearing agent or collecting bank, for any reason, including but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check, or a substitute check. You agree to reimburse us for all loss, cost, damage, or expense caused by or relating to the processing of the returned item. Without our approval, you should not attempt to deposit or otherwise negotiate an original check numberif it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Ineligible Checks. You agree that you will not use the Service to scan and deposit any checks as listed below: • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into. • Checks payable jointly, unless deposited into an account in the name of all payees. • Checks with any endorsement on the back other than specified in this Agreement. • Checks containing obvious alteration to any of the fields on the front of the check, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks drawn on a financial institution located outside the United States. • Checks dated more than six (6) months prior to the date of deposit or future- future-dated checks. • Checks that are in any way incomplete. • Checks prohibited by the Bank’s Banks current procedures relating to the Service or which are otherwise not acceptable under the terms of your Terms and Conditions of Your Account (“Terms and Conditions”), provided at the time of the New Account Opening. • Checks on which the numerical and written amount are different. • Checks that have been previously returned unpaid by the financial institution on which they are drawn, including substitute, and remotely created checks. • Checks that are payable to cash. • Checks that have been previously submitted through the Service or through a remote deposit capture service offered at any other financial institution. IMAGE QUALITY You are solely responsible for the quality, completeness, accuracy, validity, and integrity of the image. You are solely responsible for the security of your mobile device. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect, or illegible images to us or if the Service is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect, or otherwise improper or unusable images to us. You will promptly provide any retained check, or a sufficient copy of the front and back of the check, to the Bank as requested to aid in the clearing and collection process, to resolve claims by third parties with respect to any check or check image, or for the Bank’s Banks audit purposes. In addition, you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, or disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners retain all rights, title, and interests in and to the Service, Software and Development made available to you. The image of a check transmitted to the Bank using the Service must be legible, as determined by the sole discretion of the Bank. The image that is transmitted must be of such quality that the following information can easily be read: • The amount of the check. • The payee. • The drawer’s drawers signature. • The date of the check • check. The check number. • Information identifying the drawer and the paying bank that is preprinted on the check in a commercially acceptable format, including the routing number, account number and check number.