Common use of Termination or Suspension of Service Clause in Contracts

Termination or Suspension of Service. RDC Service may be suspended or terminated, at the sole discretion of Credit Union but will typically be the result of an account that does not meet the conditions discussed in the previous section or reasonable suspicion of illegal activity or activity that presents a high risk of loss for the credit union. Additionally, you may stop using this option RDC service, at any time, without notification to Credit Union. Eligible items You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:  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 containing an alteration on the front of the check or item, 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 payable jointly, unless deposited into an account in the name of all payees.  Checks previously converted to a substitute check, as defined in Reg. CC.  Checks drawn on a financial institution located outside the United States.  Checks that are remotely created checks, as defined in Reg. CC.  Checks not payable in United States currency.  Checks dated more than 6 months prior to the date of deposit.  Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account.  Checks payable on sight or payable through Drafts, as defined in Reg. CC.  Checks with any endorsement on the back other than that specified in this agreement.  Checks that have previously been deposited through this Service or through a remote deposit capture service offered at any other financial institution.  Savings Bonds  Checks that are prohibited by the Credit Union's current Membership Agreement with you  Checks that are in violation of any federal or state law, rule, or regulation. Endorsements, Requirements and Procedures You agree to restrictively endorse any item transmitted through the Services as "FOR MOBILE DEPOSIT ONLY, Associated Healthcare Credit Union - Account # ” or as otherwise instructed by Credit Union. Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. You agree to follow any and all other procedures and instructions for use of the Services as Credit Union may establish from time to time. Processing Details Please review the following information regarding the RDC process. To ensure timely processing, it is your responsibility to ensure that scanned images are submitted properly. We are not responsible for improperly endorsed items, items not received due to transmission errors or items that cannot be processed due to poor image quality. Capture Process Before scanning an item, please endorse the back with the restrictive endorsement and notate your Credit Union account number. Once the item is scanned, you will have the option to receive confirmation. Please write “RDC” prominently on the front of the item after verifying that the deposit has been posted to your account, to prevent it from being re-presented in the event it is lost or stolen. By submitting an item through RDC, you agree that you will not attempt to negotiate the paper item at a Credit Union branch, nor at any other financial institution. Attempting to negotiate a previously scanned item, may result in termination or suspension of your access to RDC and/or legal action. You agree to securely store each electronically submitted item for a reasonable period of time, to allow posting verification. The item must be destroyed 60 days after such verification has been made. Credit Union will not be responsible for any loss incurred due to improper security measures, storage and destruction of paper items scanned and submitted. It is your sole responsibility to ensure protection of these items against security risk and to properly dispose of the items following the necessary retention period. Upon receipt of the scanned image, Credit Union’s processing agent will perform an image quality assessment and convert all approved items into substitute checks, post the item, determine if a delay of availability is necessary and, if so, notify the member of the hold and when the funds will be available (see Funds Availability). The agent will then begin collection of the items though our check processing vendor. Cutoff Times Items submitted before 3:30 pm (Minnesota Time) on any business day, are considered to be received on the same business day. Items submitted after 3:30 pm (Minnesota Time) or on Saturday, Sunday or Federal Holiday will be considered to be received on the next business day. The deposit will be posted no later than midnight on the same business day as deemed accepted. Deposit Limits Credit Union reserves the right to establish and impose limits on the amounts and/or number of items transmitted through RDC, and to modify those limits at any time. Current limits are set at a daily limit of $3,500. Funds Availability It is the Credit Union’s intent to comply with the letter and intent of the Expedited Funds Availability Act as implemented by Regulation CC. The Expedited Funds Availability Act regulates the amount of time financial institutions can take to make deposited funds available for withdrawal by the customer or member. It is our policy to make funds available to members in accordance with the periods set by Regulation CC – Availability of Funds and Collection of Checks. In most cases, the first $500.00 will be available immediately and the remaining funds will be available to you no later than the business day following the business day the deposit is received. In some cases, depending on the type of check deposited, funds may not be available until the second business day after the day of the deposit. Additionally, longer delays may be applied under the following circumstances:  We believe a check deposited will not be paid.  A check that has been returned unpaid is re-deposited.  An account has been overdrawn repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. If funds are delayed beyond the first business day following the business day of the deposit, $500 of the deposit will be available on the first business day. You will be notified as soon as a decision to delay availability has been made.

Termination or Suspension of Service. RDC Service may be suspended or terminated, at the sole discretion of Credit Union but will typically be the result of an account that does not meet the conditions discussed in the previous section or reasonable suspicion of illegal activity or activity that presents a high risk of loss for the credit union. Additionally, you may stop using this option RDC service, at any time, without notification to Credit Union. Eligible items You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:  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 containing an alteration on the front of the check or item, 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 payable jointly, unless deposited into an account in the name of all payees.  Checks previously converted to a substitute check, as defined in Reg. CC.  Checks drawn on a financial institution located outside the United States.  Checks that are remotely created checks, as defined in Reg. CC.  Checks not payable in United States currency.  Checks dated more than 6 months prior to the date of deposit.  Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account.  Checks payable on sight or payable through Drafts, as defined in Reg. CC.  Checks with any endorsement on the back other than that specified in this agreement.  Checks that have previously been deposited through this Service or through a remote deposit capture service offered at any other financial institution.  Savings Bonds  Checks that are prohibited by the Credit Union's current Membership Agreement with you  Checks that are in violation of any federal or state law, rule, or regulation. Endorsements, Requirements and Procedures You agree to restrictively endorse any item transmitted through the Services as "FOR MOBILE DEPOSIT ONLY, Associated Healthcare Credit Union - Account # ” or as otherwise instructed by Credit Union. Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. You agree to follow any and all other procedures and instructions for use of the Services as Credit Union may establish from time to time. Processing Details Please review the following information regarding the RDC process. To ensure timely processing, it is your responsibility to ensure that scanned images are submitted properly. We are not responsible for improperly endorsed items, items not received due to transmission errors or items that cannot be processed due to poor image quality. Capture Process Before scanning an item, please endorse the back with the restrictive endorsement and notate your Credit Union account number. Once the item is scanned, you will have the option to receive confirmation. Please write “RDC” prominently on the front of the item after verifying that the deposit has been posted to your account, to prevent it from being re-presented in the event it is lost or stolen. By submitting an item through RDC, you agree that you will not attempt to negotiate the paper item at a Credit Union branch, nor at any other financial institution. Attempting to negotiate a previously scanned item, may result in termination or suspension of your access to RDC and/or legal action. You agree to securely store each electronically submitted item for a reasonable period of time, to allow posting verification. The item must be destroyed 60 days after such verification has been made. Credit Union will not be responsible for any loss incurred due to improper security measures, storage and destruction of paper items scanned and submitted. It is your sole responsibility to ensure protection of these items against security risk and to properly dispose of the items following the necessary retention period. Upon receipt of the scanned image, Credit Union’s processing agent will perform an image quality assessment and convert all approved items into substitute checks, post the item, determine if a delay of availability is necessary and, if so, notify the member of the hold and when the funds will be available (see Funds Availability). The agent will then begin collection of the items though our check processing vendor. Cutoff Times Items submitted before 3:30 pm (Minnesota Time) on any business day, are considered to be received on the same business day. Items submitted after 3:30 pm (Minnesota Time) or on Saturday, Sunday or Federal Holiday will be considered to be received on the next business day. The deposit will be posted no later than midnight on the same business day as deemed accepted. Deposit Limits Credit Union reserves the right to establish and impose limits on the amounts and/or number of items transmitted through RDC, and to modify those limits at any time. Current limits are set at a daily limit of $3,500. Funds Availability It is the Credit Union’s intent to comply with the letter and intent of the Expedited Funds Availability Act as implemented by Regulation CC. The Expedited Funds Availability Act regulates the amount of time financial institutions can take to make deposited funds available for withdrawal by the customer or member. It is our policy to make funds available to members in accordance with the periods set by Regulation CC – Availability of Funds and Collection of Checks. In most cases, the first $500.00 225.00 will be available immediately and the remaining funds will be available to you no later than the business day following the business day the deposit is received. In some cases, depending on the type of check deposited, funds may not be available until the second business day after the day of the deposit. Additionally, longer delays may be applied under the following circumstances:  We believe a check deposited will not be paid.  A check that has been returned unpaid is re-deposited.  An account has been overdrawn repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. If funds are delayed beyond the first business day following the business day of the deposit, $500 225.00 of the deposit will be available on the first business day. You will be notified as soon as a decision to delay availability has been madeRejection of Deposit An item may be rejected at the sole discretion of Credit Union but will typically be for one of the following reasons:  Poor image quality  Illegible data on the front or back  Duplicate item  Altered, forged, counterfeit or fraud  Missing, improper, or incomplete endorsement  Missing points of negotiability  Unacceptable item type  System outage during submission  Third party items  Incorrect deposit amount Returned Items If an item you scan and transmit, is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the item, in addition to any processing fees incurred and in accordance with Credit Union’s published fee schedule. If there are insufficient funds in your account, we may overdraw the account and you will be responsible for any related collection fees incurred.

Termination or Suspension of Service. RDC Service may be suspended or terminated, at the sole discretion of Credit Union but will typically be the result of an account that does not meet the conditions discussed in the previous section or reasonable suspicion of illegal activity or activity that presents a high risk of loss for the credit union. Additionally, you may stop using this option RDC service, at any time, without notification to Credit Union. Eligible items You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:  • Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into  into; • Checks containing an alteration on the front of the check or item, 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  drawn; • Checks payable jointly, unless deposited into an account in the name of all payees.  ; • Checks previously converted to a substitute check, as defined in Reg. CC.  ; • Checks drawn on a financial institution located outside the United States.  ; • Checks that are remotely created checks, as defined in Reg. CC.  ; • Checks not payable in United States currency.  ; • Checks dated more than 6 months prior to the date of deposit.  ; • Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account.  Checks payable on sight or payable through Drafts, as defined in Reg. CC.  ; • Checks with any endorsement on the back other than that specified in this agreement.  ; • Checks that have previously been deposited through this Service or through a remote deposit capture service offered at any other financial institution.  Savings Bonds  ; • Checks that are prohibited by the Credit Union's current Membership Agreement with you  you; • Checks that are in violation of any federal or state law, rule, or regulation. , Endorsements, Requirements and Procedures You agree to restrictively endorse any item transmitted through the Services as "FOR MOBILE DEPOSIT ONLY, Associated Healthcare Credit Union - Account # TO METRO” or as otherwise instructed by Credit Union. Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. You agree to follow any and all other procedures and instructions for use of the Services as Credit Union may establish from time to time. Processing Details Please review the following information regarding the RDC process. To ensure timely processing, it is your responsibility to ensure that scanned images are submitted properly. We are not responsible for improperly endorsed items, items not received due to transmission errors or items that cannot be processed due to poor image quality. Capture Process Before scanning an item, please endorse the back with of the restrictive endorsement check and notate your Credit Union account number"MOBILE DEPOSIT TO METRO ”. Once the item is scanned, you will have the option to receive confirmation. Please write write: “RDC” prominently on the front of the item after verifying that the deposit has been posted to your account, to prevent it from being re-presented in the event it is lost or stolen. By submitting an item through RDC, you agree that you will not attempt to negotiate the paper item at a Credit Union branch, nor at any other financial institution. Attempting to negotiate a previously scanned item, may result in termination or suspension of your access to RDC and/or legal action. You agree to securely store each electronically submitted item for a reasonable period of time, to allow posting verification. The item must be destroyed 60 days after such verification has been made. Credit Union will not be responsible for any loss incurred due to improper security measures, storage and destruction of paper items scanned and submitted. It is your sole responsibility to ensure protection of these items against security risk and to properly dispose of the items following the necessary retention period. Upon receipt of the scanned image, Credit Union’s processing agent will perform an image quality assessment and convert all approved items into substitute checks, post the item, determine if a delay of availability is necessary and, if so, notify the member of the hold and when the funds will be available (see Funds Availability). The agent will then begin collection of the items though our check processing vendor. Cutoff Times Items submitted before 3:30 3:00 pm (Minnesota Central Standard Time, CST) on any business day, are considered to be received on the same business day. Items submitted after 3:30 3:00 pm (Minnesota Time) or on Saturday, Sunday or Federal Holiday will be considered to be received on the next business day. The deposit will be posted no later than midnight by the close of business on the same business day as deemed accepted. Deposit Limits Credit Union reserves the right to establish and impose limits on the amounts and/or number of items transmitted through RDC, and to modify those limits at any time. Current limits are set at a daily limit of $3,500. Funds Availability It is the Credit Union’s intent to comply with the letter and intent of the Expedited Funds Availability Act as implemented by Regulation CC. The Expedited Funds Availability Act regulates the amount of time financial institutions can take to make deposited funds available for withdrawal by the customer or member. It is our policy to make funds available to members in accordance with the periods set by Regulation CC – Availability of Funds and Collection of Checks. In most cases, the first $500.00 will be available immediately and the remaining funds will be available to you no later than the business day following the business day the deposit is received. In some cases, depending on the type of check deposited, funds may not be available until the second business day after the day of the deposit. Additionally, longer delays may be applied under the following circumstances:  We believe a check deposited will not be paid.  A check that has been returned unpaid is re-deposited.  An account has been overdrawn repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. If funds are delayed beyond the first business day following the business day of the deposit, $500 of the deposit will be available on the first next business day. You will be notified as soon as a decision to delay availability has been made.

Termination or Suspension of Service. RDC Service may be suspended or terminated, at the sole discretion of Credit Union but will typically be the result of an account that does not meet the conditions discussed in the previous section or reasonable suspicion of illegal activity or activity that presents a high risk of loss for the credit union. Additionally, you may stop using this option RDC service, at any time, without notification to Credit Union. Eligible E ligible items You agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC ("Reg. CC"). When the image of the check transmitted to Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an "item" within the meaning of Articles 3 and 4 of the Uniform Commercial Code. You agree that you will not scan and deposit any of the following types of checks or other items which shall be considered ineligible items:   Checks payable to any person or entity other than the person or entity that owns the account that the check is being deposited into  into;  Checks containing an alteration on the front of the check or item, 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  drawn;  Checks payable jointly, unless deposited into an account in the name of all payees.  ;  Checks previously converted to a substitute check, as defined in Reg. CC.  ;  Checks drawn on a financial institution located outside the United States.  ;  Checks that are remotely created checks, as defined in Reg. CC.  ;  Checks not payable in United States currency.  ;  Checks dated more than 6 months prior to the date of deposit.  ;  Checks or items prohibited by Credit Union’s current procedures relating to the Services or which are otherwise not acceptable under the terms of your Credit Union account.  Checks payable on sight or payable through Drafts, as defined in Reg. CC.  ;  Checks with any endorsement on the back other than that specified in this agreement.  ;  Checks that have previously been deposited through this Service or through a remote deposit capture service offered at any other financial institution.  Savings Bonds  ;  Checks that are prohibited by the Credit Union's current Membership Agreement with you  you;  Checks that are in violation of any federal or state law, rule, or regulation. , Endorsements, Requirements and Procedures You agree to restrictively endorse any item transmitted through the Services as "FOR MOBILE DEPOSIT ONLY, Associated Healthcare Credit Union - Account # TO METRO” or as otherwise instructed by Credit Union. Each image must provide all information on the front and back of the original check at the time presented to you by the drawer, including, but not limited to, information about the drawer and the paying bank that is preprinted on the original check, MICR information, signature(s), any required identification written on the front of the original check and any endorsements applied to the back of the original check. The image quality must meet the standards established by the American National Standards Institute, the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. You agree to follow any and all other procedures and instructions for use of the Services as Credit Union may establish from time to time. Processing Details Please review the following information regarding the RDC process. To ensure timely processing, it is your responsibility to ensure that scanned images are submitted properly. We are not responsible for improperly endorsed items, items not received due to transmission errors or items that cannot be processed due to poor image quality. Capture C apture Process Before scanning an item, please endorse the back with of the restrictive endorsement check and notate your Credit Union account number"MOBILE DEPOSIT TO METRO ”. Once the item is scanned, you will have the option to receive confirmation. Please write write: “RDC” prominently on the front of the item after verifying that the deposit has been posted to your account, to prevent it from being re-presented in the event it is lost or stolen. By submitting an item through RDC, you agree that you will not attempt to negotiate the paper item at a Credit Union branch, nor at any other financial institution. Attempting to negotiate a previously scanned item, may result in termination or suspension of your access to RDC and/or legal action. You agree to securely store each electronically submitted item for a reasonable period of time, to allow posting verification. The item must be destroyed 60 days after such verification has been made. Credit Union will not be responsible for any loss incurred due to improper security measures, storage and destruction of paper items scanned and submitted. It is your sole responsibility to ensure protection of these items against security risk and to properly dispose of the items following the necessary retention period. Upon receipt of the scanned image, Credit Union’s processing agent will perform an image quality assessment and convert all approved items into substitute checks, post the item, determine if a delay of availability is necessary and, if so, notify the member of the hold and when the funds will be available (see Funds Availability). The agent will then begin collection of the items though our check processing vendor. Cutoff C utoff Times Items submitted before 3:30 3:00 pm (Minnesota Central Standard Time, CST) on any business day, are considered to be received on the same business day. Items submitted after 3:30 3:00 pm (Minnesota Time) or on Saturday, Sunday or Federal Holiday will be considered to be received on the next business day. The deposit will be posted no later than midnight by the close of business on the same next business day as deemed acceptedday. Deposit D eposit Limits Credit Union reserves the right to establish and impose limits on the amounts and/or number of items transmitted through RDC, and to modify those limits at any time. Current daily limits are set at to $5,000, with a daily maximum individual check limit of $3,500. Funds Availability It is the Credit Union’s intent to comply with the letter and intent of the Expedited Funds Availability Act as implemented by Regulation CC. The Expedited Funds Availability Act regulates the amount of time financial institutions can take to make deposited funds available for withdrawal by the customer or member. It is our policy to make funds available to members in accordance with the periods set by Regulation CC – Availability of Funds and Collection of Checks. In most cases, the first $500.00 will be available immediately and the remaining funds will be available to you no later than the business day following the business day the deposit is received. In some cases, depending on the type of check deposited, funds may not be available until the second business day after the day of the deposit. Additionally, longer delays may be applied under the following circumstances:  We believe a check deposited will not be paid.  A check that has been returned unpaid is re-deposited.  An account has been overdrawn repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. If funds are delayed beyond the first business day following the business day of the deposit, $500 of the deposit will be available on the first business day. You will be notified as soon as a decision to delay availability has been made3,000.