Common use of Prohibited Instruments Clause in Contracts

Prohibited Instruments. The Customer is prohibited from using this Service to create or deliver to Royal Bank for deposit Images of Instruments that are: (i) not original paper Instruments in the Customer’s physical possession or control; (ii) not eligible under CPA Rule A10 for the creation of Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10; (iii) payable in a currency other than Canadian or US dollars; (iv) drawn on or payable through a financial institution located outside of Canada or the US, or which bear a non-Canadian or non-US routing/transit number; (v) dated more than six (6) months before the date of deposit or that are postdated (dated for a future date); (vi) duplicates or Images or Instruments which otherwise have already been submitted for deposit or accepted for value by Royal Bank or any other Person; (vii) previously converted to Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10, substitute checks or remotely created checks, as such terms are defined in Federal Reserve Board Regulation CC, or otherwise that are not original Instruments; (viii) originally payable to any Person other than the owner of the account to which the Instrument is deposited, except to the extent otherwise permitted in writing by Royal Bank; (ix) drawn or otherwise issued by the Customer or any other Person on any of the Customer’s accounts, or any account on which the Customer is a Representative or which is provided to the Customer jointly with another Person; (x) altered in any way or which the Customer knows or suspects, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Instrument is drawn; (xi) not acceptable under Royal Bank's policies and procedures, do not meet Royal Bank’s specifications or quality standards, or are otherwise not acceptable under the Agreement; or (xii) otherwise determined by Royal Bank as not eligible for deposit using this Service, including at the time of delivery to Royal Bank for deposit by rejecting it and returning it to the Customer, which, for greater certainty, Royal Bank may do for any reason in its sole discretion (collectively, the foregoing are “Prohibited Instruments”). The Customer will ensure this Service is not used to deposit any Prohibited Instruments. Royal Bank may, in its sole discretion, accept for deposit any Prohibited Instruments, provided that in no event does Royal Bank have any obligation to do so, nor will Royal Bank have any responsibility or liability to the Customer or any other Person for accepting or rejecting any such Prohibited Instruments. For greater certainty, if Royal Bank exercises its discretion and accepts for deposit a Prohibited Instrument, this will not constitute a waiver of any term of the Agreement or preclude enforcement of the terms of the Agreement and restrictions on Prohibited Instruments in accordance with these Service Materials.

Prohibited Instruments. The Customer is prohibited from using this Service You shall not use Mobile Cheque Deposit to create create, deliver or deliver to Royal Bank for deposit Images of Instruments that are: (i) not original paper Instruments in the Customer’s physical possession or control; (ii) : i. not eligible under CPA Rule A10 for the creation of Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10; Images; ii. not encoded by magnetic ink character recognition (XXXX); iii) . payable in a currency other than Canadian or US dollars; (; iv) . drawn on or payable through a financial institution located outside of Canada or the USCanada, or which bear a non-non- Canadian or non-US routing/transit number; (v) ; v. dated more than six (6) 6 months before the date of deposit or that are postdated (dated for a future date); (; vi) . deposited into a joint Deposit Account, if that Deposit Account is an “All to Sign” Deposit Account, as described in the Deposit Account Agreement; vii. duplicates or Images or Instruments which otherwise have already been submitted for deposit to us or accepted for value by Royal Bank or to any other Person; (vii) previously converted to Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10, substitute checks or remotely created checks, as such terms are defined in Federal Reserve Board Regulation CC, or otherwise that are financial institution; viii. not original Instruments; Instruments (viii) originally e.g., no photocopies, PDFs or other printouts of items); ix. payable to any Person person other than the owner of the account to which the Instrument is to be deposited, except to the extent otherwise permitted in writing ; x. drawn by Royal Bank; (ix) drawn you or otherwise issued by the Customer you or any other Person person on any of the Customer’s accountsyour personal deposit accounts (whether joint or sole owner), or including any personal deposit account on which the Customer is you are a Representative or which is provided to the Customer jointly with another Person; representative (x) e.g., testamentary executor, agent); xi. altered in any way way, or which the Customer knows you know or suspectssuspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Instrument is drawn; (xi) or xii. not acceptable under Royal Bank's any of our policies and procedures, do not meet Royal Bank’s specifications or quality standards, procedures or are otherwise not acceptable under the Agreement; Deposit Account Agreement or (xii) otherwise determined by Royal Bank us as not eligible for deposit using this ServiceMobile Cheque Deposit, including at the time of delivery to Royal Bank for an attempted deposit by rejecting it and returning it it. The above shall be referred to the Customer, which, for greater certainty, Royal Bank may do for any reason in its sole discretion (collectively, the foregoing are collectively as “Prohibited Instruments”). The Customer You will ensure this Service that Mobile Cheque Deposit is not used to deposit any Prohibited Instruments. Royal Bank We may, in its sole our discretion, accept for deposit any Prohibited InstrumentsInstruments for deposit, provided that but in no event does Royal Bank do we have any obligation to do so, nor will Royal Bank we have any responsibility or liability to the Customer you or any other Person person for accepting or rejecting any such Prohibited Instruments. For greater certainty, if Royal Bank exercises its discretion and accepts for deposit a Prohibited Instrument, this will not constitute a waiver of any term of the Agreement or preclude enforcement of the terms of the Agreement and restrictions on Prohibited Instruments in accordance with these Service Materials.

Prohibited Instruments. The Customer is prohibited from using this Service You shall not use Mobile Cheque Deposit to create create, deliver or deliver to Royal Bank for deposit Images of Instruments that are: (i) not original paper Instruments in the Customer’s physical possession or control; (ii) : i. not eligible under CPA Rule A10 for the creation of Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10; Images; ii. not encoded by magnetic ink character recognition (XXXX); iii) . payable in a currency other than Canadian or US dollars; (; iv) . drawn on or payable through a financial institution located outside of Canada or the USCanada, or which bear a non-Canadian or non-US routing/transit number; (v) ; v. dated more than six (6) 6 months before the date of deposit or that are postdated (dated for a future date); (; vi) . deposited into a joint Deposit Account, if that Deposit Account is an “All to Sign” Deposit Account, as described in the Deposit Account Agreement; vii. duplicates or Images or Instruments which otherwise have already been submitted for deposit to us or accepted for value by Royal Bank or to any other Person; (vii) previously converted to Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10, substitute checks or remotely created checks, as such terms are defined in Federal Reserve Board Regulation CC, or otherwise that are financial institution; viii. not original Instruments; Instruments (viii) originally e.g., no photocopies, PDFs or other printouts of items); ix. payable to any Person person other than the owner of the account to which the Instrument is to be deposited, except to the extent otherwise permitted in writing ; x. drawn by Royal Bank; (ix) drawn you or otherwise issued by the Customer you or any other Person person on any of the Customer’s accountsyour personal deposit accounts (whether joint or sole owner), or including any personal deposit account on which the Customer is you are a Representative or which is provided to the Customer jointly with another Person; representative (x) e.g., testamentary executor, agent); xi. altered in any way way, or which the Customer knows you know or suspectssuspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Instrument is drawn; (xi) or xii. not acceptable under Royal Bank's any of our policies and procedures, do not meet Royal Bank’s specifications or quality standards, procedures or are otherwise not acceptable under the Agreement; Deposit Account Agreement or (xii) otherwise determined by Royal Bank us as not eligible for deposit using this ServiceMobile Cheque Deposit, including at the time of delivery to Royal Bank for an attempted deposit by rejecting it and returning it it. The above shall be referred to the Customer, which, for greater certainty, Royal Bank may do for any reason in its sole discretion (collectively, the foregoing are “collectively as "Prohibited Instruments”)". The Customer You will ensure this Service that Mobile Cheque Deposit is not used to deposit any Prohibited Instruments. Royal Bank We may, in its sole our discretion, accept for deposit any Prohibited InstrumentsInstruments for deposit, provided that but in no event does Royal Bank do we have any obligation to do so, nor will Royal Bank we have any responsibility or liability to the Customer you or any other Person person for accepting or rejecting any such Prohibited Instruments. For greater certainty, if Royal Bank exercises its discretion and accepts for deposit a Prohibited Instrument, this will not constitute a waiver of any term of the Agreement or preclude enforcement of the terms of the Agreement and restrictions on Prohibited Instruments in accordance with these Service Materials.

Prohibited Instruments. The Customer is prohibited from using this Service You shall not use Mobile Cheque Deposit to create create, deliver or deliver to Royal Bank for deposit Images of Instruments that are: (i) not original paper Instruments in the Customer’s physical possession or control; (ii) : i. not eligible under CPA Rule A10 for the creation of Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10; Images; ii. not encoded by magnetic ink character recognition (XXXX); iii) . payable in a currency other than Canadian or US dollars; (; iv) . drawn on or payable through a financial institution located outside of Canada or the USCanada, or which bear a non-non- Canadian or non-US routing/transit number; (v) ; v. dated more than six (6) 6 months before the date of deposit or that are postdated (dated for a future date); (; vi) . deposited into a joint Deposit Account, if that Deposit Account is an “All to Sign” Deposit Account, as described in the Deposit Account Agreement; vii. duplicates or Images or Instruments which otherwise have already been submitted for deposit to us or accepted for value by Royal Bank or to any other Person; (vii) previously converted to Images or Clearing Replacement Documents or Return Replacement Documents, as such terms are defined in CPA Rule A10, substitute checks or remotely created checks, as such terms are defined in Federal Reserve Board Regulation CC, or otherwise that are financial institution; viii. not original Instruments; Instruments (viii) originally e.g., no photocopies, PDFs or other printouts of items); ix. payable to any Person person other than the owner of the account to which the Instrument is to be deposited, except to the extent otherwise permitted in writing ; x. drawn by Royal Bank; (ix) drawn you or otherwise issued by the Customer you or any other Person person on any of the Customer’s accountsyour personal deposit accounts (whether joint or sole owner), or including any personal deposit account on which the Customer is you are a Representative or which is provided to the Customer jointly with another Person; representative (x) e.g., testamentary executor, agent); xi. altered in any way way, or which the Customer knows you know or suspectssuspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Instrument is drawn; (xi) or xii. not acceptable under Royal Bank's any of our policies and procedures, do not meet Royal Bank’s specifications or quality standards, procedures or are otherwise not acceptable under the Agreement; Deposit Account Agreement or (xii) otherwise determined by Royal Bank us as not eligible for deposit using this ServiceMobile Cheque Deposit, including at the time of delivery to Royal Bank for an attempted deposit by rejecting it and returning it it. The above shall be referred to the Customer, which, for greater certainty, Royal Bank may do for any reason in its sole discretion (collectively, the foregoing are “collectively as "Prohibited Instruments”)". The Customer You will ensure this Service that Mobile Cheque Deposit is not used to deposit any Prohibited Instruments. Royal Bank We may, in its sole our discretion, accept for deposit any Prohibited InstrumentsInstruments for deposit, provided that but in no event does Royal Bank do we have any obligation to do so, nor will Royal Bank we have any responsibility or liability to the Customer you or any other Person person for accepting or rejecting any such Prohibited Instruments. For greater certainty, if Royal Bank exercises its discretion and accepts for deposit a Prohibited Instrument, this will not constitute a waiver of any term of the Agreement or preclude enforcement of the terms of the Agreement and restrictions on Prohibited Instruments in accordance with these Service Materials.