Common use of Original Checks Clause in Contracts

Original Checks. After you receive confirmation that we have received an image, you must securely store the original check for 60 days after transmission to us and make the original check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if 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. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 Funds Availability. For purposes of funds availability, Mobile Deposits are made in Huntington Beach, California. Mobile Deposits confirmed as received before 5:00PM PST on a business day will be credited to your account the same day by 6:00PM. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hours, check our holiday schedule on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the following business day by 6:00PM. Funds will be available as described in our Funds Availability Disclosure Business Days. Our business days are Monday through Friday, except Federal observed holidays.

Original Checks. After you receive confirmation that we have received an image, you You must securely store the original check for 60 calendar days after transmission to us and make the original check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time10 calendar days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by first marking it "“VOID" ” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if 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, as outlined in the terms and conditions of the account agreement, 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. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not re-deposit or re-present the original check. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. • You will not store or make a back-up copy of the Electronic Item(s) With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 ATMs. Funds Availability. Deposits made via Mobile Deposit Monday through Friday before cut-off time of 8:00 pm will be considered received the same business day and may not be immediately available for withdrawal. Deposits made via Mobile Deposit Monday through Friday after the cut-off time of 8:00 pm will be considered received the next business day and may not be immediately available for withdrawal. Those made on Saturday after 2:00 pm, at any time on Sunday, or a holiday will be considered received the following Monday or next business day and may not be immediately available for withdrawal. For purposes determining the availability of funds availabilityyour deposits, Mobile Deposits are made in Huntington Beach, California. Mobile Deposits confirmed as received before 5:00PM PST on every day is a business day except Saturdays, Sundays and federal holidays. However, if you make a deposit after our cutoff time on a day we are not open or on a day we close before the cutoff time, we will be credited to your account consider the same day by 6:00PM. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hours, check our holiday schedule deposit was made on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the following next business day by 6:00PMwe are open. Funds will Holds. In certain instances, it’s possible that a hold may be available as described in our Funds Availability Disclosure Business Daysplaced at the time you submit a deposit or after you’ve made a deposit. Our business days are Monday through FridayA hold means that although we’ve received your check for deposit, except Federal observed holidaysyou won’t be able to use the funds until the hold period has expired. If an exception hold is placed on your deposit, you’ll receive a written notice.

Original Checks. You agree to keep confidential all account and other personal information obtained from Original Checks processed through Mobile Deposit. After you receive confirmation that we have received an imageImage, you must securely store the original check for 60 10 calendar days after transmission to us and make the original check Original Check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time10 calendar days, at your expense, the requested original check Original Check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check Original Check by first marking it "“VOID" ” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. .After destruction of an original checkOriginal Check, the image Image will be the sole evidence of the original checkOriginal Check. You agree that you will never re-present the original checkOriginal Check. You understand that you are responsible if anyone is asked to make a payment based on an original check Original Check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks Original Checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 imageImage, you agree that an original check Original Check will not be returned to you, but that we may charge back the amount of the original check Original Check and provide you with an image Image of the original checkOriginal Check, a paper reproduction of the original check Original Check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check Original Check if it has been charged back to you. We may debit any of your accounts with us 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. Your Warranties. You make the following warranties and representations with respect to each imageImage: • • Each image Image is a true and accurate rendition of the front and back of the original checkOriginal Check, without any alteration, and the drawer of the check has no defense against payment of the check. • • The amount, payee(s), signature(s), and endorsement(s) on the image Image and on the original check Original Check are legible, genuine, and accurate. • • You will not deposit or otherwise endorse to a third party the original check Original Check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check Original Check or a paper or electronic representation of the original check Original Check such that the person will be asked to make payment based on an item that has already been paid. • • There are no other duplicate images Images of the original checkOriginal Check. • • The original check Original Check was authorized by the drawer in the amount stated on the original check Original Check and to the payee(s) stated on the original checkOriginal Check. • • You are authorized to enforce and obtain payment of the original checkOriginal Check. • • You have possession of the original check Original Check and no party will submit the original check Original Check for payment. With Additionally, with respect to each imageImage, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images Images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that communications, equipment or Software failures prevent you from using Mobile Deposit Deposit, whether the fault of you, us or a third party, you may, at your option, retain Original Checks to be processed when such failure is unavailable, resolved or you may deposit original checks Original Checks at one of our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 branches. We shall not be liable for any losses incurred as a result of such service failure. Funds Availability. For purposes of funds availability, Mobile Deposits are made in Huntington Beach, Californiaconsidered deposited at a branch. Mobile Deposits confirmed as received before 5:00PM PST close of business on a business day will be credited to your account the same day by 6:00PMwithin 24 hours of receipt. Deposits Xxxxxxxx confirmed received after 5:00PM (Special hours may apply based on modified branch hoursclose of business, check our holiday schedule on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on within 24 hours of the following business day by 6:00PMday. Funds will be available as described in our Funds Availability Disclosure Business Days. Our business days are Monday through Friday, except Federal observed holidaysDisclosure.

Original Checks. You agree to keep confidential all account and other personal information obtained from Original Checks processed through Mobile Deposit. After you receive confirmation that we have received an imageImage, you must securely store the original check for 60 10 calendar days after transmission to us and make the original check Original Check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time10 calendar days, at your expense, the requested original check Original Check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check Original Check by first marking it "“VOID" ” and then destroying it by cross-cross- cut shredding or another commercially acceptable means of destruction. After destruction of an original checkOriginal Check, the image Image will be the sole evidence of the original checkOriginal Check. You agree that you will never re-present the original checkOriginal Check. You understand that you are responsible if anyone is asked to make a payment based on an original check Original Check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks Original Checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 imageImage, you agree that an original check Original Check will not be returned to you, but that we may charge back the amount of the original check Original Check and provide you with an image Image of the original checkOriginal Check, a paper reproduction of the original check Original Check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check Original Check if it has been charged back to you. We may debit any of your accounts with us 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. Your Warranties. You make the following warranties and representations with respect to each imageImage: • Each image Image is a true and accurate rendition of the front and back of the original checkOriginal Check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image Image and on the original check Original Check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check Original Check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check Original Check or a paper or electronic representation of the original check Original Check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images Images of the original checkOriginal Check. • The original check Original Check was authorized by the drawer in the amount stated on the original check Original Check and to the payee(s) stated on the original checkOriginal Check. • You are authorized to enforce and obtain payment of the original checkOriginal Check. • You have possession of the original check Original Check and no party will submit the original check Original Check for payment. With Additionally, with respect to each imageImage, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images Images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that communications, equipment or Software failures prevent you from using Mobile Deposit Deposit, whether the fault of you, us or a third party, you may, at your option, retain Original Checks to be processed when such failure is unavailable, resolved or you may deposit original checks Original Checks at one of our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 branches. We shall not be liable for any losses incurred as a result of such service failure. Funds Availability. For purposes of funds availability, Mobile Deposits are made in Huntington Beach, Californiaconsidered deposited at a branch. Mobile Deposits confirmed as received before 5:00PM PST close of business on a business day will be credited to your account the same day by 6:00PMwithin 24 hours of receipt. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hoursclose of business, check our holiday schedule on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on within 24 hours of the following business day by 6:00PMday. Funds will be available as described in our Funds Availability Disclosure Business Days. Our business days are Monday through Friday, except Federal observed holidaysDisclosure.

Original Checks. You agree to keep confidential all account and other personal information obtained from Original Checks processed through Mobile Deposit. After you receive confirmation that we have received an imageImage, you must securely store the original check for 60 10 calendar days after transmission to us and make the original check Original Check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time10 calendar days, at your expense, the requested original check Original Check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check Original Check by first marking it "“VOID" ” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. .After destruction of an original checkOriginal Check, the image Image will be the sole evidence of the original checkOriginal Check. You agree that you will never re-present the original checkOriginal Check. You understand that you are responsible if anyone is asked to make a payment based on an original check Original Check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks Original Checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 imageImage, you agree that an original check Original Check will not be returned to you, but that we may charge back the amount of the original check Original Check and provide you with an image Image of the original checkOriginal Check, a paper reproduction of the original check Original Check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check Original Check if it has been charged back to you. We may debit any of your accounts with us 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. Your Warranties. You make the following warranties and representations with respect to each imageImage: • • Each image Image is a true and accurate rendition of the front and back of the original checkOriginal Check, without any alteration, and the drawer of the check has no defense against payment of the check. • • The amount, payee(s), signature(s), and endorsement(s) on the image Image and on the original check Original Check are legible, genuine, and accurate. • • You will not deposit or otherwise endorse to a third party the original check Original Check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check Original Check or a paper or electronic representation of the original check Original Check such that the person will be asked to make payment based on an item that has already been paid. • • There are no other duplicate images Images of the original checkOriginal Check. • • The original check Original Check was authorized by the drawer in the amount stated on the original check Original Check and to the payee(s) stated on the original checkOriginal Check. • • You are authorized to enforce and obtain payment of the original checkOriginal Check. • • You have possession of the original check Original Check and no party will submit the original check Original Check for payment. With Additionally, with respect to each imageImage, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images Images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that communications, equipment or Software failures prevent you from using Mobile Deposit Deposit, whether the fault of you, us or a third party, you may, at your option, retain Original Checks to be processed when such failure is unavailable, resolved or you may deposit original checks Original Checks at one of our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 branches. We shall not be liable for any losses incurred as a result of such service failure. Funds Availability. For purposes of funds availability, Mobile Deposits are made in Huntington Beach, Californiaconsidered deposited at a branch. Mobile Deposits confirmed as received before 5:00PM PST close of business on a business day will be credited to your account the same day by 6:00PMwithin 24 hours of receipt. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hoursclose of business, check our holiday schedule on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on within 24 hours of the following business day by 6:00PMday. Funds will be available as described in our Funds Availability Disclosure Business Days. Our business days are Monday through Friday, except Federal observed holidaysDisclosure.

Original Checks. After you receive confirmation that we have received an image, you must securely store the original check for 60 at least 7 days after transmission to us and make the original check accessible to us at our request. We recommend placing Within 5 days of a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to timeXxxxxx Five Bank, you will deliver to us within X amount of timeprovide, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approvalYou may be able to negotiate a returned item in person, and should speak to a Customer Service Representative at 000-000-0000 if you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to yourequire such assistance. We Xxxxxx Five Bank may debit or “set off” the amount of the returned item from 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. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 Funds Availability. For purposes of funds availability, Mobile Deposits are made in Huntington Beach, California. Mobile Deposits confirmed as received before 5:00PM PST on a business day will be credited to your account the same day by 6:00PM. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hours, check our holiday schedule on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the following business day by 6:00PM. Funds will be available as described in our Funds Availability Disclosure Business Days. Our business days are Monday through Friday, except Federal observed holidays.

Original Checks. After you receive confirmation that we have received an image, you You must securely store the original check for 60 calendar days after transmission to us and make the original check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time10 calendar days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by b y first marking it "“VOID" ” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if 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, as outlined in the terms and conditions of the account agreement, 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. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not re-deposit or re-present the original check. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. • You will not store or make a back-up copy of the Electronic Item(s) With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 ATMs. Funds Availability. Deposits made via Mobile Deposit Monday through Friday before cut-off time of 8:00 pm will be considered received the same business day and may not be immediately available for withdrawal. Deposits made via Mobile Deposit Monday through Friday after the cut-off time of 8:00 pm will be considered received the next business day and may not be immediately available for withdrawal. Those made on Saturday after 2:00 pm, at any time on Sunday, or a holiday will be considered received the following Monday or next business day and may not be immediately available for withdrawal. For purposes determining the availability of funds availabilityyour deposits, Mobile Deposits are made in Huntington Beach, California. Mobile Deposits confirmed as received before 5:00PM PST on every day is a business day except Saturdays, Sundays and federal holidays. However, if you make a deposit after our cutoff time on a day we are not open or on a day we close before the cutoff time, we will be credited to your account consider the same day by 6:00PM. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hours, check our holiday schedule deposit was made on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the following next business day by 6:00PMwe are open. Funds will Holds. In certain instances, it’s possible that a hold may be available as described in our Funds Availability Disclosure Business Daysplaced at the time you submit a deposit or after you’ve made a deposit. Our business days are Monday through FridayA hold means that although we’ve received your check for deposit, except Federal observed holidaysyou won’t be able to use the funds until the hold period has expired. If an exception hold is placed on your deposit, you’ll receive a written notice.

Original Checks. After you receive confirmation that we have received an image, you You must securely store the original check for 60 14 days after transmission to us and make the original check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time3 business days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expiresWithin 30 days of deposit, you must destroy the original check by first marking it "VOID" and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise rejected, returned unpaid by the drawee bankfinancial institution, or are rejected or returned by a clearing agent or collecting bankfinancial institution, 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 you and 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 check, or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by by, or relating to to, the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if 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. Your Warranties. You make the following warranties and representations with respect to each image: •  Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • ;  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • ;  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • ;  There are no other duplicate images of the original check. • ;  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • ;  You are authorized to enforce and obtain payment of the original check. • ; and  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider provider, and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit UnionGEFCU, 0000 Xxxxxxx X.X. Xxx 00000, Xxxxxx, Huntington Beach, CA 92647 XX 00000 Funds Availability. For purposes of funds availability, Mobile Deposits are made in Huntington BeachAustin, CaliforniaTexas. Mobile Deposits confirmed as received before 5:00PM PST 3:00 P.M. local time on a business day will be credited to your account the same day by 6:00PMday. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hours, check our holiday schedule on the website for details) 3:00 P.M. local time and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the following business day by 6:00PMday. Funds will be available as described in our Regulation CC Funds Availability Disclosure Disclosure. Business Days. Our For purposes of transactions, GEFCU's business days are Monday through Friday, except Federal observed holidaysexcluding holidays recognized by the Credit Union. The Credit Union's business day begins at 8:30 a.m. CST and ends at 5:00 pm CST.

Original Checks. After you receive confirmation that we have received an image, you You must securely store the original check for 60 calendar days after transmission to us and make the original check accessible to us at our request. We recommend placing a post-it note that states deposited and the date of the deposit in case we need a copy. Upon our request from time to time, you will deliver to us within X amount of time10 calendar days, at your expense, the requested original check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after such period expires, you must destroy the original check by first marking it "“VOID" ” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are 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 will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if 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, as outlined in the terms and conditions of the account agreement, 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. Your Warranties. You make the following warranties and representations with respect to each image: •  Each image is a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. •  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. •  You will not re-deposit or re-present the original check.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. •  There are no other duplicate images of the original check. •  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. •  You are authorized to enforce and obtain payment of the original check. •  You have possession of the original check and no party will submit the original check for payment.  You will not store or make a back-up copy of the Electronic Item(s) With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. ** Contain representations, warranties and covenants that (i) the FI or the End User, as applicable, will comply with all applicable laws, rules, regulations and prevalent industry standards in their use of Intuit Applications incorporating Vertifi Software, including compliance with applicable requirements under state and federal laws and regulations related to data security and nonpublic personal information, as defined or used in such applicable law or regulation; and (ii) the FI will provide any and all necessary and appropriate notices and obtain all necessary and appropriate consents with respect to its customers and members. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs or by mailing the original check to: NuVision Federal Credit Union, 0000 Xxxxxxx Xxxxxx, Huntington Beach, CA 92647 ATMs. Funds Availability. Deposits made via Mobile Deposit Monday through Friday before cut-off time of 8:00 pm will be considered received the same business day and may not be immediately available for withdrawal. Deposits made via Mobile Deposit Monday through Friday after the cut-off time of 8:00 pm will be considered received the next business day and may not be immediately available for withdrawal. Those made on Saturday after 2:00 pm, at any time on Sunday, or a holiday will be considered received the following Monday or next business day and may not be immediately available for withdrawal. For purposes determining the availability of funds availabilityyour deposits, Mobile Deposits are made in Huntington Beach, California. Mobile Deposits confirmed as received before 5:00PM PST on every day is a business day except Saturdays, Sundays and federal holidays. However, if you make a deposit after our cutoff time on a day we are not open or on a day we close before the cutoff time, we will be credited to your account consider the same day by 6:00PM. Deposits confirmed received after 5:00PM (Special hours may apply based on modified branch hours, check our holiday schedule deposit was made on the website for details) and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the following next business day by 6:00PMwe are open. Funds will Holds. In certain instances, it’s possible that a hold may be available as described in our Funds Availability Disclosure Business Daysplaced at the time you submit a deposit or after you’ve made a deposit. Our business days are Monday through FridayA hold means that although we’ve received your check for deposit, except Federal observed holidaysyou won’t be able to use the funds until the hold period has expired. If an exception hold is placed on your deposit, you’ll receive a written notice.