Common use of Unpaid Checks Clause in Contracts

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit to deposit a substitute check and you may not redeposit the original check through Mobile Deposit or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor payer financial institution. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Check Deposit to deposit a substitute check and you may not redeposit the original check through Mobile Check Deposit or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic account statements that will identify the deposits that you make through Mobile Check Deposit. In addition, you may access the Bank’s Online Electronic Banking service Services for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Check Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Check Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in the Bank Documents for your Deposit Account Agreementaccount. You may notify us the Electronic Banking Department using the “Start a conversation” feature in the EBServices or by phone at (000)000-0000 or Operations at (000)000-0000, in writing to Xxxxx & Xxxxxxx at Electronic Banking Department, Tennessee State Bank, Online Services DepartmentPO Box 1260, X.X. Xxx 000Pigeon Forge, XxxxxxxxxxTN 37868, XX 00000 by email at xxxxxxxxx@xxxxxxxxxxx.xxx or telephoning us at 703-684- 1655visit any branch location. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this MCDAddendum, EBAgreement and the Bank Documents for your account shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of or the Service procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, it may be necessary for you will transport to consider an alternate method to make your deposit. You can make the deposit by bringing it into one of our branch locations or depending on your time frame for the deposit, you may mail the originals of all checks to the closest Bank branch locationat Tennessee State Bank, P.O. Box 1260, Pigeon Forge, TN 37868. The deposit of original checks at a branch of the Bank shall be governed by the terms Bank Documents for your account and conditions of the Deposit Account Agreement Regulation CC Funds Availability Disclosure and not by the terms of this AgreementMCDAgreement. Storage, Security and Destruction/Disposal of the Checks After you receive a confirmation email notification from xxxxxxxx@xxxxxxxxxxx.xxx that your deposit has been submitted, you agree to securely store the original check for a check retention period of sixty (60) Business Days. You must also make the original check accessible to us at our request. Upon our request, you will deliver to us within two (2) 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 the sixty (60) day retention period expires, you agree to destroy the original check by cross- cut shredding or another commercially acceptable means of destruction. After destruction of the 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. Presenting Checks More Than Once Once you have used Mobile Check Deposit to deposit a check and that check has been submitted and approved, you agree not to present or allow anyone else to present that original check or a substitute check of that original check again for deposit through Mobile Check Deposit or by any other means. If you or anyone else presents a check or substitute check for deposit more than once, in violation of this MCDAddendum, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such check or substitute check. You agree that we may debit from your bank account the aggregate amount of any checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion. Presentment of checks more than once will be a violation of this MCDAddendum and will be considered an action to terminate this MCDAddendum and customer’s access to Mobile Check Deposit.

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using the Mobile Check Deposit Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. You agree to accept such notices at your email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree agree, that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit the mRDC Service to deposit a substitute check and you may not redeposit deposit the original check through Mobile Deposit the mRDC Service or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The ERROR RESOLUTION: You agree o notify City National Bank will provide you with periodic statements that will identify the deposits that you make of any suspected errors regarding items deposited through Mobile Deposit. In additionCheck Deposit immediately, you may access and in no event later than 60 days after the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it City National Bank account statement is your responsibility to review all such information that the Bank makes received or made available to you. Unless you notify us within 60 days of an error in a timely manner to verify that your statement, such statement regarding all deposits made through Mobile Deposit have been received the service shall be deemed correct, and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we you will be liable precluded from bringing a claim against City National Bank for the checkany alleged error or omission in such statement. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer or third party claims, including by providing, upon request and without reimbursement, any originals or copies of any items deposited through Mobile Check Deposit in your possession and your records relating to such items and transmissions. If you need assistance with the service, or need to notify us promptly of any errors, omissionsan error or suspected error in your statement, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify if you need to communicate with City National Bank for other reasons, please contact us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.by:

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this AgreementChecks.

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit to deposit a substitute check and you may not redeposit the original check through Mobile Deposit or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx MainStreet Bank, Online Services DepartmentAttn: Connect Support, X.X. Xxx 00000000 Xxxxxxx Xxxx, XxxxxxxxxxXxxxxxx, XX 00000 or telephoning calling us at 703000-684- 1655000-0000. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Deposit Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all original checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor payer financial institution. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Check Deposit to deposit a substitute check and you may not redeposit the original check through Mobile Check Deposit or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic account statements that will identify the deposits that you make through Mobile Check Deposit. In addition, you may access the Bank’s Online Electronic Banking service Services for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Check Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Check Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in the Bank Documents for your Deposit Account Agreementaccount. You may notify us the Electronic Banking Department using the “Start a conversation” feature in the EBServices or by phone at (000)000-0000 or Operations at (000)000-0000, in writing to Xxxxx & Xxxxxxx at Electronic Banking Department, Tennessee State Bank, Online Services DepartmentXX Xxx 0000, X.X. Xxx 000, XxxxxxxxxxXxxxxx Xxxxx, XX 00000 00000, by email at xxxxxxxxx@xxxxxxxxxxx.xxx or telephoning us at 703-684- 1655visit any branch location. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this MCDAddendum, EBAgreement and the Bank Documents for your account shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of or the Service procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, it may be necessary for you will transport to consider an alternate method to make your deposit. You can make the deposit by bringing in to one of our branch locations or depending on your time frame for the deposit, you may mail the originals of all checks to the closest Bank branch locationat Tennessee State Bank, X.X. Xxx 0000, Xxxxxx Xxxxx, XX 00000. The deposit of original checks at a branch of the Bank shall be governed by the terms Bank Documents for your account and conditions of the Deposit Account Agreement Regulation CC Funds Availability Disclosure and not by the terms of this AgreementMCDAgreement. Storage, Security and Destruction/Disposal of the Checks After you receive a confirmation email notification from xxxxxxxx@xxxxxxxxxxx.xxx that your deposit has been submitted, you agree to securely store the original check for a check retention period of sixty (60) Business Days. You must also make the original check accessible to us at our request. Upon our request, you will deliver to us within two (2) 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 the sixty (60) day retention period expires, you agree to destroy the original check by cross- cut shredding or another commercially acceptable means of destruction. After destruction of the 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. Presenting Checks More Than Once Once you have used Mobile Check Deposit to deposit a check and that check has been submitted and approved, you agree not to present or allow anyone else to present that original check or a substitute check of that original check again for deposit through Mobile Check Deposit or by any other means. If you or anyone else presents a check or substitute check for deposit more than once, in violation of this MCDAddendum, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such check or substitute check. You agree that we may debit from your bank account the aggregate amount of any checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion. Presentment of checks more than once will be a violation of this MCDAddendum and will be considered an action to terminate this MCDAddendum and customer’s access to Mobile Check Deposit.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks the Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankPCSB. The Bank PCSB will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank PCSB credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank PCSB in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an any electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned Checks. Availability of Funds: You agree that items transmitted using the Services are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you transmit through the Service is received and accepted before 2:00 p.m. Central Time on a business day that we are open, we consider that day to be the day of your deposit. Otherwise, we will consider that the deposit was made on the next business day we are open. PCSB may delay availability of funds based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as PCSB, in its sole discretion, deems relevant. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within two 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 the 14-day retention 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 the original Check, the image will be the sole evidence of the original Check. You agree that you will never represent 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. Presenting checks more than once: Once you have used the Service to deposit a check you agree not to present, or allow anyone else to present, that original Check or substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, duties or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your Bank account the aggregate amount of any Check that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion. Deposit Limits: Xxxxxx County State Bank reserves the right to establish and assign to you deposit limits for the Services (including limits on the dollar amount and/or number of Checks that you may transmit through the Service each day and each month) and to modify such limits from time to time in PCSB’s sole discretion, and you agree to comply with all such limits. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Daily and monthly deposit dollar and count limits may vary and are subject to change at the discretion of Xxxxxx County State Bank. Your current limits are: Deposits/Day $ Amount/Day Deposits/Month $ Amount/Month Hardware and Software requirements: You must have a Mobile Device that is acceptable to us and a wireless plan from a compatible mobile wireless provider. You must also use the operating system(s) and software that satisfies all technical specifications and other requirements that we and/or our service provider(s) establish and specify. We and/or our services provider(s) may change these specifications and/or requirements from time to time. PCSB is not responsible for any third party software you may need to use MMRD. You agree that you will perform, or cause to be performed by properly trained personnel, all vendor recommended maintenance, repairs, upgrades and replacements. Unless otherwise provided in this Agreement, you are solely responsible, at your own expense, for purchasing, installing, operating testing and maintaining all hardware and software necessary to use MMRD. You must install and test your mobile device, your system, and any other required hardware and software before you make your first deposit through MMRD. You accept any such software “as is” and subject to the terms and conditions of the software agreement that you enter into directly with the third party software provider at the time of download and installation. PCSB is not responsible for, and you release us from, any and all claims or damages resulting from, or related to, any computer virus or related problems that may be associated with using MMRD, e-mail or the Internet. You agree that all images and files transmitted to us through MMRD will contain no viruses or any other disabling features that may have an adverse impact on our network, data or related systems. Duty to Report Errors The report errors: Xxxxxx County State Bank will provide you with periodic statements that will identify the deposits that you make through Mobile DepositMMRD. In addition, you may access the BankPCSB’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Check and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit MMRD have been received and accepted by the Bank PCSB and are accurate. Receipt of a check Check by the Bank PCSB through Mobile Deposit MMRD does not constitute an acknowledgement acknowledgment by the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit PCSB Account Agreement. You may notify us by e- mailing us at xxxxxxxx@xxxxxxxxxxxxxxxxxxxxx.xxx, or writing to Xxxxx & Xxxxxxx BankP.O. Box 285, Online Services DepartmentUnionville, X.X. Xxx 000MO 63565, Xxxxxxxxxx, XX 00000 or telephoning us at 703(000) 000-684- 16550000. Availability You can also contact our Branch location by writing to P.O. Box 245, Milan, Mo 63556 or telephoning us at (000) 000-0000. You agree to cooperate in any investigation by the Bank of Serviceany unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify PCSB of any error, omission or other discrepancy in accordance with this Agreement, and your PCSB Account Agreement shall relieve the Bank of any liability of such error, omission or discrepancy. Errors in Transmission: By using the Services you accept the risk that an item may be intercepted or misdirected during transmission. Xxxxxx County State Bank bears no liability to you or others for any such intercepted or misdirected items or information disclosed through such errors. Presentment: The manner in which the items are cleared, presented for payment, and collected shall be in Xxxxxx County State Bank’s sole discretion subject to the Depository Agreement and Disclosures governing your account. Your Authentication method: You agree that we are entitled to act upon instructions we receive with respect to MMRD under you user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under PCSB Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability, and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method. By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through MMRD. Any requests or instructions we receive from you through MMRD using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as a writing signed by you. This includes, but is not limited to, inquiries, deposit transaction, Check deposited, Check images, changes to accounts or services or any other communication you provide us through the Service using your Authentication Method. Data/Contingency In the event User Security: You will complete each deposit promptly. If you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failurescomplete your deposit promptly, you will transport ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone at (000) 000-0000 and with written notice at Xxxxxx County State Bank, P.O. Box 285, Unionville, MO 63565, or mail the originals our Branch location by telephone at (000) 000-0000, with written notice at P.O. Box 245, Milan, MO 63556, telephone number if you learn of all checks to the closest Bank branch location. The deposit any loss or theft of original checks checks. You will ensure the safety and integrity of original Checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement. You agree to keep your mobile device secure and to close your MMRD Application when not in use. If you suspect your mobile device has been lost or stolen, you must notify Xxxxxx County State Bank immediately by calling (000) 000-0000 or our Branch at a branch (000) 000-0000. Ownership & License: You agree that PCSB retains all ownership and proprietary rights in the Services, associated content, technology, and website(s). Your use of the Bank shall be governed by Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the terms and conditions effect of the Deposit Account foregoing, any breach of this Agreement immediately terminates your right to use the Services. Without limiting the restriction of the foregoing, you may not use the Services (i) in any anti-competitive manner, (ii) for any purpose which would be contrary to PCSB’s business interest, or (iii) to PCSB’s actual or potential economic disadvantage in any aspect. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Services. Cooperation with Investigations: You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through MMRD in your possession and your records relating to such items and transmissions. DISCLAIMER OF WARRANTIES: YOU AGREE YOUR USE OF THE SERVICES AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE DISCLAIM ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. WE MAKE NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii)THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED. LIMITATION OF LIABILITY: YOU AGREE THAT WE WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER LOSSES RESULTING FROM THE USE OF THE INABILITY TO USE THE SERVICES INCURRED BY YOUR OR ANY THIRD PARTY ARISING FROM OR RELATED TO THE USE OF, INABILITY TO USE, OR THE TERMINATION OF THE USE OF THIS SERVICES, REGARDLESS OF THE FORM OF ACTION OR CLAIM (WHETHER CONTRACT, TORT, STRICT LIABILITY OR OTHERWISE), EVEN IF XXXXXX COUNTY STATE BANK HAS BEEN INFORMED OF THE POSSIBILITY THEREOF. User warranties and indemnification: You warrant to Xxxxxx County State Bank that: You will only transmit eligible items. Images will meet the image quality standards. You will not transmit duplicate items. You will not deposit or represent the original item. All information you provide to PCSB is accurate and true. You will comply with this Agreement and not by the terms all applicable rules, laws and regulations. You agree to indemnify and hold harmless Xxxxxx County State Bank from any loss for breach of this Agreementwarranty provision Fees and Charges: Xxxxxx County State Bank offers the benefits and convenience of the Services to you free of charge. PCSB reserves the right to charge fees for the Services in the future.

Unpaid Checks. Should You fail to produce the original check, You authorize the Credit Union to deduct that amount from Your account. You are solely responsible for verifying that checks Checks that you You deposit by using Mobile Check Deposit have been received and accepted for deposit by the BankCredit Union. The Bank Credit Union will provide you You with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at Your e-mail address on file with the Credit Union, but the Credit Union may choose any reasonable method for providing such notices to You. In the event that the Bank Credit Union credits your Your account for a check Check that is subsequently dishonored and returned, you You authorize the Bank Credit Union to debit the amount of such check Check plus any associated fees from the accountPayment Account. To the extent that funds in your account Your Payment Account are insufficient to cover such amount, we the Credit Union shall debit the deficiency amount from any of your Your other account(s) with the Bank Credit Union in our the Credit Union's sole discretion. Our The Credit Union's right to charge your Your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your Your property, it will not be returned returned, and the Bank Credit Union may charge back chargeback an image of the checkCheck, an ACH debit, debit or other electronic or paper debit, as applicable, to your Your account. You further agree that any image that we charge the Credit Union charges back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Check Deposit to deposit a substitute check check, and you You may not redeposit deposit the original check Check through Mobile Check Deposit or in any other manner if you You receive a dishonored checkCheck. You agree to comply with any additional instructions we the Credit Union may provide to you You in connection with returned checksChecks. Duty Presenting Checks More Than Once Once You have used Check Deposit to Report Errors The Bank will provide you deposit a Check, You agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through Check Deposit or by any other means. If You or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, You agree to indemnify, defend and hold the Credit Union harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accountsrespect to such Check or substitute check. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by Credit Union may debit from Your Credit Union Payment Account the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly aggregate amount of any errorsChecks that that are deposited more than once. To the extent that funds in Your Payment Account are insufficient to cover such amount, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability Credit Union shall debit the deficiency amount from any other of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply Your account(s) with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this AgreementCredit Union in its sole discretion.

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using the Mobile Check Deposit Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. You agree to accept such notices at your email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree agree, that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit the mRDC Service to deposit a substitute check and you may not redeposit deposit the original check through Mobile Deposit the mRDC Service or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty ERROR RESOLUTION: You agree to Report Errors The notify City National Bank will provide you with periodic statements that will identify the deposits that you make of any suspected errors regarding items deposited through Mobile Deposit. In additionCheck Deposit immediately, you may access and in no event later than 60 days after the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it City National Bank account statement is your responsibility to review all such information that the Bank makes received or made available to you. Unless you notify us within 60 days of an error in a timely manner to verify that your statement, such statement regarding all deposits made through Mobile Deposit have been received the service shall be deemed correct, and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we you will be liable precluded from bringing a claim against City National Bank for the checkany alleged error or omission in such statement. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer or third party claims, including by providing, upon request and without reimbursement, any originals or copies of any items deposited through Mobile Check Deposit in your possession and your records relating to such items and transmissions. If you need assistance with the service, or need to notify us promptly of any errors, omissionsan error or suspected error in your statement, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify if you need to communicate with City National Bank for other reasons, please contact us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.by:

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankCredit Union. The Bank Credit Union will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank Credit Union credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank Credit Union to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank Credit Union in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank Credit Union may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors report errors: The Bank Credit Union will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the Bank’s Credit Union's Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank Credit Union makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank Credit Union and are accurate. Receipt of a check Check by the Bank Credit Union through Mobile Deposit the Service does not constitute an acknowledgement by the Bank Credit Union that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Credit Union Account Agreement. You may notify us by e-mailing us atmailto:xxxxxxxxxxxxx@xxxxxxxx-xxxx.xxx or by utilizing the Secure Message feature in Online Banking, or writing to Xxxxx & Xxxxxxx BankDCCU, Online Services DepartmentPO Box 585, X.X. Xxx 000Renville, Xxxxxxxxxx, XX 00000 MN 56284 or telephoning us at 703000-684- 1655000-0000. Availability of Service/Contingency In the event you are unable You agree to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for cooperate in any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed investigation by the terms Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Credit Union of any error, omission or other discrepancy in accordance with this Agreement and conditions of the Deposit your Credit Union Account Agreement and not by shall relieve the terms Credit Union of this Agreementany liability for such error, omission or discrepancy.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankSUMA Federal Credit Union. The Bank SUMA Federal Credit Union will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank SUMA Federal Credit Union credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank SUMA Federal Credit Union to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank SUMA Federal Credit Union in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank SUMA Federal Credit Union may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors The Bank SUMA Federal Credit Union will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the BankSUMA Federal Credit Union’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank SUMA Federal Credit Union makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank SUMA Federal Credit Union and are accurate. Receipt of a check Check by us through the Bank through Mobile Deposit Service does not constitute an acknowledgement by the Bank us that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by e-mailing us at xxxxxxxxxxxxx@xxxxxxx.xxx or writing to Xxxxx & Xxxxxxx BankSUMA Federal Credit Union, Online Services Department000 Xxxxxxxxx Xxxx, X.X. Xxx 000, XxxxxxxxxxXxxxxxx, XX 00000 00000, or telephoning us at 703914-684- 1655220-4900. You agree to cooperate in any investigation by SUMA Federal Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify us of any error, omission or other discrepancy in accordance with this Agreement and your Account Agreement shall relieve SUMA Federal Credit Union of any liability for such error, omission or discrepancy. Availability of Service/Contingency In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the BankSUMA Federal Credit Union, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch SUMA Federal Credit Union location. The deposit of original checks at a branch an office of the Bank Financial Institution shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankRiver Region Credit Union. The Bank credit union will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-­‐mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank River Region Credit Union credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank River Region Credit Union to debit the amount of such check Check, plus any associated fees fees, from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank credit union in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree that since the original check Check is your property, it will not be returned and the Bank River Region Credit Union may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors The Bank report errors: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the BankRiver Region Credit Union’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank Credit Union makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank Credit Union and are accurate. Receipt of a check Check by River Region Credit Union through the Bank through Mobile Deposit Service does not constitute an acknowledgement by the Bank Credit Union that the check Check is error-free error-­‐free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Membership Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx BankRiver Region Credit Union, Online Services Department0000 Xxxx Xxxxxx Xxxxxxxxx, X.X. Xxx 000Jefferson City, Xxxxxxxxxx, XX 00000 MO 65109 or telephoning us at 703-684- 1655866-­‐649-­‐5015. You agree to cooperate in any investigation by River Region Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union of any error, omission or other discrepancy in accordance with this Agreement and your Membership Account Agreement shall relieve the Credit Union of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the BankCredit Union, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch River Region Credit Union location. The deposit of original checks at a branch an office of the Bank River Region Credit Union shall be governed by the terms and conditions of the Deposit Membership Account Agreement and not by the terms of this Agreement.. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within 2 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 the 14 day retention 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 the 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. Presenting checks more than once: Once you have used the Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold River Region Credit Union harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your River Region Credit Union account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with River Region Credit Union in our sole discretion. Your Authentication method: You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Membership Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability, and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method. By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as a

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankCredit Union. The Bank Credit Union will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank Credit Union credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank Credit Union to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank Credit Union in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank Credit Union may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors report errors: The Bank Credit Union will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the BankCredit Union’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank Credit Union makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank Credit Union and are accurate. Receipt of a check Check by the Bank Credit Union through Mobile Deposit the Service does not constitute an acknowledgement by the Bank Credit Union that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Credit Union Account Agreement. You may notify us by e-mailing us at xxxxxxxxxxxxx@xxxxxxxx-xxxx.xxx, or by utilizing the Secure Message feature in Online Banking, or writing to Xxxxx & Xxxxxxx BankDCCU, Online Services Department, X.X. XX Xxx 000, XxxxxxxxxxXxxxxxxx, XX 00000 or telephoning us at 703320-684- 1655329-3152. Availability of Service/Contingency In the event you are unable You agree to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for cooperate in any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed investigation by the terms Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Credit Union of any error, omission or other discrepancy in accordance with this Agreement and conditions of the Deposit your Credit Union Account Agreement and not by shall relieve the terms Credit Union of this Agreementany liability for such error, omission or discrepancy.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks that Checks you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this AgreementChecks.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks that Checks you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. You agree to accept such notices at your email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the Bank’s Online Banking service Service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank and are accurate. Receipt of a check Check by the Bank through Mobile Deposit the Service does not constitute an acknowledgement by the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Bank Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 emailing us at xxxx@xxxxxxxxxxxxxxxxx.xxx or telephoning us at 703000-684- 1655000-0000. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Service/Service/ Contingency In the event you are unable to capture, submit balance, process, produce or transmit a check image fie to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Farmers and Drovers Main Bank branch locationlocation at 000 X Xxxx Xxxxxx, Xxxxxxx Xxxxx, Xxxxxx. The deposit of original checks at a branch an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement. The Bank is not responsible for providing an alternate method of remote deposit if the Service is not available.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankCredit Union. The Bank Credit Union will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor payoff financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank Credit Union credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank Credit Union to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank Credit Union in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank Credit Union may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors report errors: The Bank Credit Union will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the BankCredit Union’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank Credit Union makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank Credit Union and are accurate. Receipt of a check Check by the Bank Credit Union through Mobile Deposit the Service does not constitute an acknowledgement by the Bank Credit Union that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Credit Union Account Agreement. You may notify us by e-mailing us at xxxxxxxxxxxxxxx@xxxxxxxxxxxxxxx.xxx, or writing to Xxxxx & Xxxxxxx BankMutual Savings Credit Union; PO Box 4569; Atlanta, Online Services DepartmentGeorgia 30302, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703000-684- 1655000-0000. You agree to cooperate in any investigation by the Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Credit Union of any error, omission or other discrepancy in accordance with this Agreement and your Credit Union Account Agreement shall relieve the Credit Union of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the BankCredit Union, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch Credit Union location. The deposit of original checks at a branch an office of the Bank Credit Union shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within two 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 the 14-day retention 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 the original Check, the image will be the sole evidence of the original Check. You agree that you will never represent 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. Presenting checks more than once: Once you have used the Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Credit Union harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your Credit Union account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Credit Union in our sole discretion.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks that Checks you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankTruStone. The Bank TruStone will provide you with notice of any deposits that it is are unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank TruStone credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank us to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in TruStone at our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree that agree, since the original check Check is your property, it will not be returned and the Bank TruStone may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors The Bank report errors TruStone will provide you with periodic statements that will identify identifying the deposits that you make through Mobile Depositthe Service. In addition, you may access the BankTruStone’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank TruStone makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank TruStone and are accurate. Receipt of a check Check by TruStone through the Bank through Mobile Deposit Service does not constitute an acknowledgement by us, the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by e-mailing us at xxxxxx@xxxxxxxxxxxxxxxxx.xxx, or writing to Xxxxx & Xxxxxxx Bank(TruStone, Online Services DepartmentAttn: E-Staff, X.X. Xxx 000P.O. Box 1260, XxxxxxxxxxMinneapolis, XX 00000 MN 55440-1260) or telephoning us at 703-684- 1655(763.544.1517 or 800.862.1998). You agree to cooperate in any investigation by TruStone of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify us of any error, omission or other discrepancy in accordance with this Agreement and your Account Agreement shall relieve TruStone of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the BankTruStone, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch TruStone location. The deposit of original checks at a branch an office of the Bank TruStone shall be governed by the terms and conditions of the Deposit Account Agreement Funds Availability Policy located in the Owner’s Manual and not by the terms of this Agreement.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors report errors: The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank and are accurate. Receipt of a check Check by the Bank through Mobile Deposit the Service does not constitute an acknowledgement by the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Bank Account Agreement. You may notify us by e-mailing us at xxx.xxxxxxxxxxxx.xxx, or writing to Xxxxx & Xxxxxxx Bank, Online Services DepartmentBank of Weston, X.X. Xxx 0000, XxxxxxxxxxXxxxxx, XX 00000 or telephoning us at 703(000)000-684- 16550000. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within two 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 the 14-day retention 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 the 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. Presenting checks more than once: Once you have used the Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your Bank account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion. 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 Bank of Weston is converted to an image 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 be 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 the bank’s current procedures relating to the services or which are otherwise not acceptable under the terms of your account. • Checks with any endorsement on the bank other than that specified in this agreement. • Checks that have previously been submitted through the Service or through a remote deposit capture service offered at any other financial institution. • Checks that have previously been deposited or negotiate in any way via any method at Bank of Weston or any other financial institution. Your Authentication method: You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Bank Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability, and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method. By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as a writing signed by you. This includes, but is not limited to, inquiries, deposit transactions, Checks deposited, Check images, changes to accounts or services or any other communication you provide us through the Service using your Authentication Method.

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using the Business Mobile Check Deposit Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. You agree to accept such notices at your email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit the BmCD Service to deposit a substitute check and you may not redeposit deposit the original check through Mobile Deposit the BmCD Service or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. NOTICE OF ERRORS You agree that it to notify City National Bank of any suspected errors regarding items deposited through Business Mobile Check Deposit immediately, and in no event later than 60 days after the City National Bank account statement is your responsibility to review all such information that the Bank makes received or made available to you. Unless you notify us within 60 days of an error in a timely manner to verify that your statement, such statement regarding all deposits made through Mobile Deposit have been received the service shall be deemed correct, and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we you will be liable precluded from bringing a claim against City National Bank for the checkany alleged error or omission in such statement. You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer or third party claims, including by providing, upon request and without reimbursement, any originals or copies of any items deposited through Business Mobile Check Deposit in your possession and your records relating to such items and transmissions. If you need assistance with the service, or need to notify us promptly of any errors, omissionsan error or suspected error in your statement, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify if you need to communicate with City National Bank for other reasons, please contact us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.by:

Unpaid Checks. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree that since Since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute checkCheck. You may not use Mobile Deposit the Service to deposit a substitute check Check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Your Duty to Report Errors The Errors: Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the Bank’s 's Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank and are accurate. Receipt of a check Check by the Bank through Mobile Deposit the Service does not constitute an acknowledgement by the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to shall notify us promptly of any errors, omissions, or discrepancies in a deposit related to "Mobile Deposit" as soon as possible after they occur, and in no event later than 30 days after Bank account statement is sent. Unless you notify us within 30 days, the time periods established in your Deposit Account Agreementaccount statement containing the deposits made through the Services is deemed correct, and you cannot bring a claim against us for any alleged errors. You may notify us by in writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 (Bank physical address) or telephoning us at 703800-684- 1655467-7216. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Service/Contingency Service/ Contingency: The Service is generally available 7 days a week, 24 hours a day. At certain times the Service may not be available due to system maintenance or technical difficulties, including those of the wireless service provider or circumstances beyond our control. In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks Checks to the closest Bank branch location. The deposit of original checks Checks at a branch an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement Other Bank Agreements and not by the terms of this Agreement. Bank is not responsible for providing an alternative method of remote deposit capture if the Service is not available.

Unpaid Checks. In the event of an error or reject, should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit the MercMobile service have been received and accepted for deposit by the BankThe Mercantile Bank of Louisiana, MO. The Mercantile Bank of Louisiana, MO will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the The Mercantile Bank of Louisiana, MO credits your account for a check that is subsequently dishonored and returned, you authorize the The Mercantile Bank of Louisiana, MO to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the The Mercantile Bank in of Louisiana, MO at our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the The Mercantile Bank of Louisiana, MO may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit the MercMobile service to deposit a substitute check and you may not redeposit deposit the original check through Mobile Deposit the MercMobile service or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the BankThe Mercantile Bank of Louisiana, MO, or otherwise comply with the terms of or the Service procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest The Mercantile Bank branch of Louisiana, MO location. The deposit of original checks at a branch an office of the The Mercantile Bank of Louisiana, MO shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement. Storage, Security and Destruction/Disposal of the Checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original check accessible to us at our request. Upon our request from time to time, you will deliver to us within two 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 the 14-Day retention 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 the 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. Presenting Checks More than Once: Once you have used the MercMobile service to deposit a check you agree not to present, or allow anyone else to present, that original check or a substitute check of that original check again for deposit through the MercMobile service or by any other means. If you or anyone else present a check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold The Mercantile Bank of Louisiana, MO harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such check or substitute check. You agree that we may debit from your bank account the aggregate amount of any checks that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with The Mercantile Bank of Louisiana, MO at our sole discretion.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e- mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors report errors: The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank and are accurate. Receipt of a check Check by the Bank through Mobile Deposit the Service does not constitute an acknowledgement by the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Bank Account Agreement. You may notify us by e-mailing us at (xxxxx@xxxxxxxxxxxxxxxx.xxx), or writing to Xxxxx & Xxxxxxx BankStockgrowers State Bank Attn: Mobile Deposit Operations, Online Services DepartmentPO BOX 458, X.X. Xxx 000Ashland, Xxxxxxxxxx, XX 00000 KS 67831 or telephoning us at 703(800-684- 1655772-2265). You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors report errors: The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank and are accurate. Receipt of a check Check by the Bank through Mobile Deposit the Service does not constitute an acknowledgement by the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Bank Account Agreement. You may notify us by e-mailing us at (email address), or writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 (Bank physical address) or telephoning us at 703-684- 1655(###-###-####). You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with thisAgreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within two 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 the 14-day retention 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 the original Check, the image will be the sole evidence of the original Check. You agree that you will never represent 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. Presenting checks more than once: Once you have used the Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your Bank account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with the Bank in our sole discretion. Your Authentication method: You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Bank Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability, and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method. By accessing the Service with your Authentication Method, you authorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through the Service using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as a writing signed by you. This includes, but is not limited to, inquiries, deposit transactions, Checks deposited, Check images, changes to accounts or services or any other communication you provide us through the Service using your Authentication Method. Data security: You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone at (###-###-###)and with written notice at (Bank Name) Attn: (Bank Address). if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original Checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement. Cooperation with Investigations: You agree to cooperate with us in the investigation of unusual transactions, poor quality transmissions, and resolution of customer claims, including by providing, upon request and without further cost, any originals or copies of items deposited through the Service in your possession and your records relating to such items and transmissions.

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit to deposit a substitute check and you may not redeposit the original check through Mobile Deposit or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx BankXxxx, Online Attn: Digital Services Department, X.X. Xxx 000P.O. Box 268, XxxxxxxxxxAlexandria, XX 00000 VA 22313 or telephoning us at 703000-684- 1655000-0000. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks that Checks you deposit by using Mobile Deposit have been received and accepted for deposit by the BankTruStone. The Bank TruStone will provide you with notice of any deposits that it is are unable to process because checks when Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank TruStone credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank us to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in TruStone at our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree that agree, since the original check Check is your property, it will not be returned and the Bank TruStone may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors The Bank report errors TruStone will provide you with periodic statements that will identify identifying the deposits that you make through Mobile Deposit. In addition, you may access the BankTruStone’s Online Digital Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank TruStone makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank TruStone and are accurate. Receipt of a check Check by the Bank TruStone through Mobile Deposit does not constitute an acknowledgement by us, the Bank that the check Check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Check.. Availability of Serviceservice/Contingency In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the BankTruStone, or otherwise comply with the terms of or the Service procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch closet TruStone location. The deposit of original checks at a branch an office of the Bank TruStone shall be governed by the terms and conditions of the Deposit Account Agreement Funds Availability Policy located in the Owner’s Manual and not by the terms of this Agreement.

Unpaid Checks. You are Should I fail to produce the original check, I authorize you to deduct that amount from my account. I am solely responsible for verifying that checks Checks that you I deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank You will provide you me with notice of any deposits that it is you are unable to process because checks Checks were returned unpaid by the payor financial institution. I agree to accept such notices at my e-mail address on file with you, but you may choose any reasonable method for providing such notices to me. In the event that the Bank credits your my account for a check Check that is subsequently dishonored and returned, I authorize you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your my account are insufficient to cover such amount, we you shall debit the deficiency amount from any of your my other account(s) with the Bank in our your sole discretion. Our Your right to charge your my account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You I understand and agree agree, that since the original check Check is your my property, it will not be returned and the Bank you may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your my account. You I further agree that any image that we you charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You I may not use Mobile Deposit the Service to deposit a substitute check and you I may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you I receive a dishonored checkCheck. You I agree to comply with any additional instructions we you may provide to you me in connection with returned checksChecks. Duty to Report Errors The Bank Errors. You will provide you me with periodic statements that will identify the deposits that you I make through Mobile Depositthe Service. In addition, you I may access the Bank’s Online Banking service for information about your my deposits, return items, deposit adjustments, checks Checks and other transactions on your my accounts. You I agree that it is your my responsibility to review all such information that the Bank makes available to you me in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank you and are accurate. Receipt of a check Check by you through the Bank through Mobile Deposit Service does not constitute an acknowledgement by the Bank you that the check Check is error-free or that we you will be liable for the checkCheck. You I agree to notify us you promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your my Deposit Account AgreementAgreement or no later than 30 days after the first applicable statement has been sent on which a deposit appears. You I may notify us you by visiting a branch location, e-mailing xxxxxxx@xxxxxxxxxxxxxx.xxx , or writing to Xxxxx & County Bank Attn: Call Center / Mobile Deposit, 00000 Xxxxxxx BankXxxx, Online Services Department, X.X. Xxx 000, XxxxxxxxxxXxxxxxxx Xxxxx, XX 00000 or telephoning us you at 703000-684- 1655000-0000. I agree to cooperate in any investigation by you of any unsuccessful or lost transmission. Subject to applicable law, any failure by me to notify you of any error, omission or other discrepancy in accordance with this Agreement and my Deposit Account Agreement shall relieve you of any liability for such error, omission or discrepancy. Availability of Service/Contingency Contingency. In the event you are I am unable to capture, submit balance, process, produce or transmit a check image file to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you I will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch an office of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement. Presenting Checks More Than Once. Once I have used the Service to deposit a Check I agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If I or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, I agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. I agree that you may debit from my Bank account the aggregate amount of any Checks that are deposited more than once. To the extent that funds in my account are insufficient to cover such amount, you shall debit the deficiency amount from any other of my account(s) with in your sole discretion.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankRiver Region Credit Union. The Bank credit union will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank River Region Credit Union credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank River Region Credit Union to debit the amount of such check Check, plus any associated fees fees, from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank credit union in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree that since the original check Check is your property, it will not be returned and the Bank River Region Credit Union may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors The Bank report errors: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the BankRiver Region Credit Union’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank Credit Union makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank Credit Union and are accurate. Receipt of a check Check by River Region Credit Union through the Bank through Mobile Deposit Service does not constitute an acknowledgement by the Bank Credit Union that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Membership Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx BankRiver Region Credit Union, Online Services Department0000 Xxxx Xxxxxx Xxxxxxxxx, X.X. Xxx 000Jefferson City, Xxxxxxxxxx, XX 00000 MO 65109 or telephoning us at 703866-684- 1655649-5015. You agree to cooperate in any investigation by River Region Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union of any error, omission or other discrepancy in accordance with this Agreement and your Membership Account Agreement shall relieve the Credit Union of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the BankCredit Union, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch River Region Credit Union location. The deposit of original checks at a branch an office of the Bank River Region Credit Union shall be governed by the terms and conditions of the Deposit Membership Account Agreement and not by the terms of this Agreement. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received an image, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible to us at our request. Upon our request from time to time, you will deliver to us within 2 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 the 14 day retention 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 the 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. Presenting checks more than once: Once you have used the Service to deposit a Check you agree not to present, or allow anyone else to present, that original Check or a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you agree to indemnify, defend and hold River Region Credit Union harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your River Region Credit Union account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any other of your account(s) with River Region Credit Union in our sole discretion. Your Authentication method: You agree that we are entitled to act upon instructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectively as your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations under your Membership Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from any and all liability, and agree not to make any claim or bring any action against us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructions, messages or authorizations provided to us using your Authentication Method.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that the Bank credits your account for a check Check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree agree, that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check Check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check Check through Mobile Deposit the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Bank, Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or telephoning us at 703-684- 1655. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of the Service for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this AgreementChecks.

Unpaid Checks. Should you fail to produce the original check as requested by HHFCU, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit the Service have been received and accepted for deposit by the BankHHFCU. The Bank HHFCU will provide you with a notice of any deposits that it is unable to process because checks were returned unpaid by the payor payer financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providing notices to you. In the event that the Bank HHFCU credits your account for a check that is subsequently dishonored and returned, you authorize the Bank HHFCU to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we HHFCU, in our sole discretion, shall overdraw the account and you will be responsible for payment or debit the deficiency amount from any of your other account(s) accounts with the Bank in our sole discretionHHFCU. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since although the original check is your property, it will not be returned and the Bank HHFCU may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, applicable to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you may not redeposit deposit the original check through Mobile Deposit the Service or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank Errors: HHFCU will provide you with periodic statements (either paper or electronic) that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access the BankHHFCU’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank HHFCU makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank HHFCU and are accurate. Receipt of a check by HHFCU through the Bank through Mobile Deposit Service does not constitute an acknowledgement by the Bank HHFCU that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit HHFCU Account Agreement. You may notify us by e-mailing us at xxx.xxxxx.xxx or writing to Xxxxx & Xxxxxxx BankHHFCU, Online Services Department00 Xxxxxxxx Xxxx, X.X. Xxx 000Middletown, Xxxxxxxxxx, XX 00000 NY 10941 or telephoning us at 703(000) 000-684- 16550000. Availability You agree to cooperate in any investigation by HHFCU of Service/Contingency In the event any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify HHFCU of any error, omission or other discrepancy in accordance with this Agreement and your Account Agreement shall relieve HHFCU of any liability for such error, omission or discrepancy. You understand and agree you are unable required to capture, submit or transmit a check image notify us of any suspected error related to the Bank, or otherwise comply with the terms of images transmitted using the Service by no later than sixty (60) days after you receive the first monthly periodic statement that includes any transaction you allege is erroneous. You are responsible for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, errors you will transport or mail the originals of all checks fail to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreementbring to our attention within such time period.

Unpaid Checks. Should you fail to produce the original check, you authorize us to deduct that amount from your account. You are solely responsible for verifying that checks Checks that you deposit by using Mobile Deposit usingthe Service have been received and receivedand accepted for deposit by the Bank. The Bank will provide willprovide you with notice of any deposits that it is unable to process because checks Checks were returned unpaid by returnedunpaidby the payor financial institution. You agree to accept such notices at your e-mail address on file with us, but we may choose any reasonable method for providingsuch notices to you. In the event that the Bank credits your account for a check that Checkthat is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check Check plus any associated fees from the account. To the extent that funds in your inyour account are insufficient to cover such amountsuchamount, we shall debit the deficiency amount deficiencyamount from any of anyof your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without applywithout regard to whether the check Check was timely returned or whether there is any other claim or defense that the check Check was improperly returned. You understand and agree understandand agree, that since the original check Check is your property, it will not be returned and the Bank may charge back an image of the checkCheck, an ACH debit, or other electronic or electronicor paper debit, as applicable, to your account. You further agree that any image anyimage that we charge back may backmay be in the form of an electronic or paper reproduction of reproductionof the original check or Xxxxxxx a substitute check. You may not use Mobile Deposit the Service to deposit a substitute check and you andyou may not redeposit deposit the original check through Mobile Deposit Checkthrough the Service or in any other manner if you receive a dishonored checkCheck. You agree to comply with any additional anyadditional instructions we may provide to you in connection with returned checksChecks. Duty to Report Errors report errors: The Bank will provide you with youwith periodic statements that will identify the deposits that you make through Mobile Depositthe Service. In addition, you may access mayaccess the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information suchinformation that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit the Service have been received and accepted by the Bank and are andare accurate. Receipt of a check Check by the Bank through Mobile Deposit the Service does not constitute an acknowledgement by the Bank that the check Check is error-free or that we will be liable for the checkCheck. You agree to notify us promptly of promptlyof any errors, omissions, or discrepancies in a deposit within the withinthe time periods established in your Deposit Bank Account Agreement. You may notify notifyus by e-mailing us by writing to Xxxxx & Xxxxxxx Bankat (email address), Online Services Department, X.X. Xxx 000, Xxxxxxxxxx, XX 00000 or writingto (Bank physical address) or telephoning us at 703-684- 1655(###-###-####). You agree to cooperate inanyinvestigation by the Bankof any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notifythe Bank of anyerror, omissionor other discrepancy in accordance with thisAgreement andyour Bank Account Agreement shallrelieve the Bank of any liability for such error, omission or discrepancy. Availability of Serviceservice/Contingency Contingency: In the event you are unable to capture, submit balance, process, produce or transmit a check image file to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks originalchecks at a branch an office of the Bank shall be governed by governedby the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.. Storage, security and destruction/disposal of the checks: After you receive confirmation that we have received animage, you must securely store the original Check for 14 days after transmission to us and make the original Checkaccessible to us at our request. Upon our request from time to time, you will deliver to us withintwo Business Days, at your expense, the requested original Check inyour possession. If not providedin a timely manner, such amount will be reversed from your account. Promptlyafter the 14-day retention 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 destructionof the original Check, the image will be the sole evidence of the original Check. You agree that you will never represent the original Check. You understand that you are responsible if anyone is askedto make a payment based on an original checkthat has already been paid. Presenting checks more than once: Once you have usedthe Service to deposit a Check youagree not to present, or allow anyone else to present, that original Xxxxxxx a substitute check of that original Check again for deposit through the Service or by any other means. If you or anyone else present a Check or substitute check for deposit more thanonce, inviolationof this Agreement, you agree to indemnify, defend and hold the Bank harmless from and against all liability and damages that may result from any claims, suits or demands from third parties with respect to such Check or substitute check. You agree that we may debit from your Bank account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your account are insufficient to cover suchamount, we shall debit the deficiencyamount from any other of your account(s) with the Bank in our sole discretion. Your Authentication method: You agree that we are entitled to act uponinstructions we receive with respect to the Service under your user ID, password, test key or other code or authentication method that we require (these components are referred to herein collectivelyas your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibilityfor establishing the identity of anypersonwho uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguardits secrecy, you will be in violation of your obligations under your Bank Account Agreement and this Agreement. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You agree to indemnify and release us from anyand all liability, andagree not to make any claim or bring any actionagainst us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting uponinstructions, messages or authorizations provided to us usingyour Authentication Method. By accessing the Service withyour Authentication Method, youauthorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from youthrough the Service using your Authentication Method shall be considered “in writing” under all applicable law andshall havethe same force andlegal effect as a writing signed by you. This includes, but is not limited to, inquiries, deposit transactions, Checks deposited, Check images, changes to accounts or services or any other communication you provide us through the Service using your Authentication Method. Data security: You will complete eachdeposit promptly. If youare unable to complete your deposit promptly, you will ensure that your mobile device remains securely inyour possessionuntil the deposit has been completed. It is your responsibility to establishandmaintainprocedures to safeguardagainst unauthorizeddeposits. You will notify us immediately by telephone at (###-###-###)and with written notice at (Bank Name) Attn: (Bank Address). if you learn of anyloss or theft of original checks. You will ensure the safety andintegrity of original Checks from the time of receipt until the time of destruction. If warranted inour reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit suchmonitoring, to confirm that you have satisfied your obligations under this Agreement. Cooperation with Investigations:

Unpaid Checks. You are solely responsible for verifying that checks that you deposit by using Mobile Deposit have been received and accepted for deposit by the Bank. The Bank will provide you with notice of any deposits that it is unable to process because checks were returned unpaid by the payor financial institution. In the event that the Bank credits your account for a check that is subsequently dishonored and returned, you authorize the Bank to debit the amount of such check plus any associated fees from the account. To the extent that funds in your account are insufficient to cover such amount, we shall debit the deficiency amount from any of your other account(s) with the Bank in our sole discretion. Our right to charge your account(s) will apply without regard to whether the check was timely returned or whether there is any other claim or defense that the check was improperly returned. You understand and agree that since the original check is your property, it will not be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your account. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use Mobile Deposit to deposit a substitute check and you may not redeposit the original check through Mobile Deposit or in any other manner if you receive a dishonored check. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Duty to Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through Mobile Deposit. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through Mobile Deposit have been received and accepted by the Bank and are accurate. Receipt of a check by the Bank through Mobile Deposit does not constitute an acknowledgement by the Bank that the check is error-free or that we will be liable for the check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Deposit Account Agreement. You may notify us by writing to Xxxxx & Xxxxxxx Pinnacle Bank, Online Services Departmente-Banking Support, X.X. Xxx 0000000 Xxxxxx Xxxxxxx Parkway Suite 100, XxxxxxxxxxMyrtle Beach, XX 00000 SC 29577 or telephoning us at 703000-684- 1655000-0000. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Deposit Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. Availability of Service/Contingency In the event you are unable to capture, submit or transmit a check image to the Bank, or otherwise comply with the terms of or the Service Procedures for any reason, including but not limited to, communications, equipment or software outages, interruptions or failures, you will transport or mail the originals of all checks to the closest Bank branch location. The deposit of original checks at a branch of the Bank shall be governed by the terms and conditions of the Deposit Account Agreement and not by the terms of this Agreement.