Common use of Required Procedures Clause in Contracts

Required Procedures. When using the mRDC Service, you represent that you shall follow the Bank’s Rules and the procedures set forth herein and as they may be amended from time to time, including, but not limited to: • Check payable to a person or entity that is not the owner of the account into which the deposit is being made • Check previously submitted using the mRDC Service or through any remote deposit capture service at or through another financial institution (“FI”) • Check payable to joint parties unless it is deposited into an account in the names of all the joint payees • Check with more than one endorsement where not all signatures/identities are known or immediately verifiable • Check previously converted into a “substitute check” as defined in FRB Reg. CC • Check containing a forged signature or any alteration of it • Check which you know or suspect is fraudulent, not properly payable or was not drawn or authorized by the owner of the drawer’s account • Check with any endorsement on its back that was not made in accordance with the Bank’s endorsement standards and requirements, as set forth below • Any U.S. Postal Money Order • Check drawn on financial institution outside the United States of America • Check that was “remotely created” • Check payable on sight or payable through Drafts, as defined in Reg. CC • Check not payable in U.S. currency • Check is stale dated, i.e., was drawn and dated more than 6 months prior to the date of deposit • Check or other item that is not acceptable under the Bank’s Rules, as amended from time to time • Check or other item not permitted under the Agreement or this Addendum Endorsements. You must sign and restrictively endorse any Check to be submitted through the mRDC Service using the words: "For mobile deposit only, # " (insert account number), include the signature(s) of all named payee(s) (assuming they are all of the account owners) and as the Bank otherwise directs.

Required Procedures. When you are using the mRDC Service, you represent that you shall use and follow the Bank’s Rules and the procedures set forth herein and as they may be amended from time to time, including, but not limited to: • XI) and will NOT scan any Check the Bank considers ineligible for mRDC purposes under the Addendum, including, but not limited to, any:  Check payable to a person or entity that is not the owner of the account into which the deposit is being made •  Check previously submitted using the mRDC Service or through any remote deposit capture service at or through another financial institution (“FI”) •  Check payable to joint parties unless it is deposited into an account in the names of all the joint payees • Check with more than one endorsement where not all signatures/identities are known or immediately verifiable •  Check previously converted into a “substitute check” as defined in FRB Reg. CC •  Check containing a forged signature or any alteration of it •  Check which you know or suspect is fraudulent, not properly payable or was not drawn or authorized by the owner of the drawer’s account •  Check with any endorsement on its back that was not made in accordance with the Bank’s endorsement standards and requirements, as set forth below • Any U.S. Postal Money Order •  Check drawn on financial institution outside the United States of America •  Check that was “remotely created” • created”‌‌‌  Check payable on sight or payable through Drafts, as defined in Reg. CC •  Check not payable in U.S. currency • currency‌  Check is stale dated, i.e., was drawn and dated more than 6 months prior to the date of deposit •  Check or other item that is not acceptable under the Bank’s Rules, as amended from time to time •  Check or other item not permitted under the Agreement or this Addendum Endorsements. You must sign and restrictively endorse any Check to be submitted through the mRDC Service using the words: "For mobile deposit only, # " (insert account number), include the signature(s) of all named payee(s) (assuming they are all of the account owners) and as the Bank otherwise directs.Addenda

Required Procedures. When using the mRDC Service, you represent that you shall follow the Bank’s Rules and the procedures set forth herein and as they may be amended from time to time, including, but not limited to: • Check payable to a person or entity that is not the owner of the account into which the deposit is being made • Check previously submitted using the mRDC Service or through any remote deposit capture service at or through another financial institution (“FI”) • Check payable to joint parties unless it is deposited into an account in the names of all the joint payees • Check with more than one endorsement where not all signatures/identities are known or immediately verifiable • Check previously converted into a “substitute check” as defined in FRB Reg. CC • Check containing a forged signature or any alteration of it • Check which you know or suspect is fraudulent, not properly payable or was not drawn or authorized by the owner of the drawer’s account • Check with any endorsement on its back that was not made in accordance with the Bank’s endorsement standards and requirements, as set forth below • Any U.S. Postal Money Order • Check drawn on financial institution outside the United States of America • Check that was “remotely created” • Check payable on sight or payable through Drafts, as defined in Reg. CC • Check not payable in U.S. currency • Check is stale dated, i.e., was drawn and dated more than 6 months prior to the date of deposit • Check or other item that is not acceptable under the Bank’s Rules, as amended from time to time • Check or other item not permitted under the Agreement or this Addendum Endorsements. You must sign and restrictively endorse any Check to be submitted through the mRDC Service using the words: "For mobile deposit only, # " (insert account number), include the signature(s) of all named payee(s) (assuming they are all of the account owners) and as the Bank otherwise directs. Service at its sole discretion and without liability to you. The Bank bears no liability for items it does not receive or for images and data that are misdirected, lost or intercepted during transmission. An item image will be deemed received when you obtain a confirmation, but that does not necessarily mean that the transmission was error free, complete or will be considered a deposit and credited to your account.

Required Procedures. When you are using the mRDC Service, you represent that you shall use and follow the Bank’s Rules and the procedures set forth herein and as they may be amended from time to time, including, but not limited to: • XI) and will NOT scan any check or other item the Bank considers ineligible for mRDC purposes under the Addendum, including, but not limited to, any:  Check payable to a person or entity that is not the owner of the account into which the deposit is being made •  Check previously submitted using the mRDC Service or through any remote deposit capture service at or through another financial institution (“FI”) •  Check payable to joint parties unless it is deposited into an account in the names of all the joint payees • Check with more than one endorsement where not all signatures/identities are known or immediately verifiable •  Check previously converted into a “substitute check” as defined in FRB Reg. CC •  Check containing a forged signature or any alteration of it •  Check which you know or suspect is fraudulent, not properly payable or was not drawn or authorized by the owner of the drawer’s account •  Check with any endorsement on its back that was not made in accordance with the Bank’s endorsement standards and requirements, as set forth below • Any U.S. Postal Money Order •  Check drawn on financial institution outside the United States of America •  Check that was “remotely created” •  Check payable on sight or payable through Drafts, as defined in Reg. CC •  Check not payable in U.S. currency •  Check is stale dated, i.e., was drawn and dated more than 6 months prior to the date of deposit •  Check or other item that is not acceptable under the Bank’s Rules, as amended from time to time •  Check or other item not permitted under the Agreement or this Addendum the Addenda Endorsements. You must sign and restrictively endorse any Check check or other item to be submitted through the mRDC Service using the words: "For mobile deposit only, # " (insert account number)", include the signature(s) of all named payee(s) (assuming they are all of the account owners) and as the Bank otherwise directsdirects.‌‌‌‌‌ Image Quality. You must comply with the Bank’s check image quality requirements, as established by the FRB, the FDIC, other regulatory agency or any automated clearing house, as applicable.