Common use of Use of the Service Clause in Contracts

Use of the Service. Following receipt of notification email that you may begin using the Service, you are authorized by us to remotely deposit paper checks received to your account with us (the “Account”) by electronically transmitting a digital image of the paper check(s) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to time. Upon receipt of the digital image, we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after notification of receipt of the image. You understand that by receiving notification from us confirming receipt of an image, such notification does not mean the image contains no errors or we are responsible for any information transmitted to us. We are not liable for any image we do not receive. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your account. You understand that any amount credited to your account for items deposited using the service is a provisional credit and agree to indemnify us against any loss suffered because of acceptance of the remotely deposited check. In addition you agree that you will not: a) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or service; b) copy or reproduce all or any part of the technology or service; or c) interfere, or attempt to interfere, with the technology or service.

Use of the Service. Following receipt of our notification email that you may begin using the Serviceof approval, you are will be authorized by us to remotely deposit a valid paper checks received check (“check,” “item”) that has been made payable to you, or to a joint owner on your Panhandle Educators Federal Credit Union account with us (the “Account”) ), or to the Credit Union, to your Account by using Mobile Deposit to electronically transmitting transmit a digital image of the paper check(scheck (“image,” “item”) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital an image, we will review the image for acceptability. You understand and agree that our receipt of an the image does not occur until after notification of receipt mean that the image will be accepted for deposit into your Account, and that you may be asked for additional images of the image. You understand that by receiving notification from us confirming receipt of an image, such notification does not mean check or for more information before the image contains no errors or we are responsible will be considered for any information transmitted to us. We are not liable for any image we do not receivedeposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkimage that we do not receive. In addition you You agree that you will not: a) modify Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de-compile the technology or servicethe Service; b) copy  Copy or reproduce all or any part of the technology or servicethe Service; or c) interfere Interfere, or attempt to interfere, with the technology or servicethe Service.

Use of the Service. Following receipt your acceptance of notification email that you may begin using the Servicethis Agreement, you we are authorized by us you to accept remotely deposited paper checks through our Mobile Deposit application. You can remotely deposit paper checks received you receive to your account with us (the “"Account”") by electronically transmitting a digital image of the paper check(s) checks to your account us for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreementAgreement. You agree to comply with any mobile device the hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeCredit Union. Upon receipt of the digital image, we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after notification we notify you of receipt of the imageimage via onscreen messaging and/or email notification. You understand that by receiving in the event you receive a notification from us confirming receipt of an image, such notification does not mean that the image contains no errors or we errors. You understand that you are responsible for any information transmitted you transmit to us. We are not liable responsible for any image that we do not receive. Following receipt of the image, we may process the image by preparing a “"substitute check” " or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile remote deposit into your accountAccount. You understand that any amount credited to your account Account for items deposited using the service Service is a provisional credit and you agree to indemnify us against any loss suffered we suffer because of our acceptance of the remotely deposited check. In addition you agree that you will not: anot (i) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or service; bService, (ii) copy or reproduce all or any part of the technology or serviceService; or c(iii) interfere, or attempt to interfere, with the technology or serviceService.

Use of the Service. Following receipt Upon acceptance of notification email that you may begin using the Servicethis Disclosure and Agreement and our approval, you are will be authorized by us to remotely deposit a valid paper checks received check (“check,” “item”) that has been made payable to you, or to a joint owner on your Pen Air Federal Credit Union account with us (the “Account”) ), or to the Credit Union, to your Account by using Mobile Check Deposit to electronically transmitting transmit a digital image of the paper check(scheck (“image,” “item”) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital image, we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after notification of receipt of the image. You understand that by receiving notification from us confirming receipt of an image, such notification you will receive a confirmation of receipt. This confirmation does not mean verify that the image/item is acceptable for deposit. It only confirms that the image contains no errors has been sent and verifies the item amount. You may be asked for additional images of the check or we are responsible for any more information transmitted to us. We are not liable before the image will be considered for any image we do not receivedeposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your Account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkimage that we do not receive. In addition you You agree that you will not: a) modify• Modify, change or alter any item or image; • Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de compile the technology or servicethe Service; b) copy • Copy or reproduce all or any part of the technology or servicethe Service; or c) interfere• Interfere, or attempt to interfere, with the technology or servicethe Service.

Use of the Service. Following receipt Upon acceptance of notification email that you may begin using the Servicethis Disclosure and Agreement and our approval, you are will be authorized by us to remotely deposit a valid paper checks received check (“check,” “item”) that has been made payable to you, or to a joint owner on your Pinnacle Federal Credit Union account with us (the “Account”) ), or to the Credit Union, to your Account by using Mobile Check Deposit to electronically transmitting transmit a digital image of the paper check(scheck (“image,” “item”) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital image, we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after notification of receipt of the image. You understand that by receiving notification from us confirming receipt of an image, such notification you will receive a confirmation of receipt. This confirmation does not mean verify that the image/item is acceptable for deposit. It only confirms that the image contains no errors has been sent and verifies the item amount. You may be asked for additional images of the check or we are responsible for any more information transmitted to us. We are not liable before the image will be considered for any image we do not receivedeposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your Account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkimage that we do not receive. In addition you You agree that you will not: a) modifyModify, change or alter any item or image; Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de- compile the technology or servicethe Service; b) copy Copy or reproduce all or any part of the technology or servicethe Service; or c) interfereInterfere, or attempt to interfere, with the technology or servicethe Service.

Use of the Service. Following receipt of notification email that you may begin using the Service, you are authorized by us to remotely deposit paper checks received to your account with us (the “Account”) by electronically transmitting a digital image of the paper check(s) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to time. Upon receipt of the digital image, we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after notification of receipt of the image. You understand that by receiving notification from us confirming receipt of an image, such notification does not mean the image contains no errors or we are responsible for any information transmitted to us. We are not liable for any image we do not receive. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your account. You understand that any amount credited to your account for items deposited using the service is a provisional credit and agree to indemnify us against any loss suffered because of acceptance of the remotely deposited check. In addition addition, you agree that you will not: a) modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or service; b) copy or reproduce all or any part of the technology or service; or c) interfere, or attempt to interfere, with the technology or service.

Use of the Service. Following receipt of notification email that If you may begin using the are approved for this Service, you are will be authorized by us to remotely deposit a valid paper checks received check that has been made payable to you, or to a joint owner on your Account, or to us, to your account with us (Account by using the “Account”) by Service to electronically transmitting a digital image transmit an Image of the paper check(s) check to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital imagean Image, we will review the image Image for acceptability. You understand and agree that receipt of an image does not occur until after notification of our receipt of the image. You understand that by receiving notification from us confirming receipt of an image, such notification Image does not mean that the image contains no errors Image will be accepted for deposit into your Account, and that you may be asked for additional Images or we are responsible for any more information transmitted to us. We are not liable before the Image will be considered for any image we do not receivedeposit. Following receipt of the imageImage, we may process the image Image by preparing a “"substitute check” or check"or clearing the item as an imageImage. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in Images that may prevent or delay the deposit of funds into your account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkImage that we do not receive. In addition you You agree that you will not: a) modify• Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de-compile the technology or servicethe Mobile Deposit Service; b) copy • Copy or reproduce all or any part of the technology or servicethe Mobile Deposit Service; or c) interfere• Interfere, or attempt to interfere, with the technology or servicethe Mobile Deposit Service.

Use of the Service. Following receipt of our notification email that you may begin using the Serviceof approval, you are will be authorized by us to remotely deposit a valid paper checks received check (“check,” “item”) that has been made payable to you, or to a joint owner on your Panhandle Credit Union account with us (the “Account”) ), or to the Credit Union, to your Account by using Mobile Deposit to electronically transmitting transmit a digital image of the paper check(scheck (“image,” “item”) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital an image, we will review the image for acceptability. You understand and agree that our receipt of an the image does not occur until after notification of receipt mean that the image will be accepted for deposit into your Account, and that you may be asked for additional images of the image. You understand that by receiving notification from us confirming receipt of an image, such notification does not mean check or for more information before the image contains no errors or we are responsible will be considered for any information transmitted to us. We are not liable for any image we do not receivedeposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkimage that we do not receive. In addition you You agree that you will not: a) modify• Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de-compile the technology or servicethe Service; b) copy • Copy or reproduce all or any part of the technology or servicethe Service; or c) interfere• Interfere, or attempt to interfere, with the technology or servicethe Service.

Use of the Service. Following receipt of our notification email that you may begin using the Serviceof approval, you are will be authorized by us to remotely deposit a valid paper checks received check (“check,” “item”) that has been made payable to you, or to a joint owner on your Panhandle Credit Union account with us (the “Account”) ), or to the Credit Union, to your Account by using Mobile Deposit to electronically transmitting transmit a digital image of the paper check(scheck (“image,” “item”) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital an image, we will review the image for acceptability. You understand and agree that our receipt of an the image does not occur until after notification of receipt mean that the image will be accepted for deposit into your Account, and that you may be asked for additional images of the image. You understand that by receiving notification from us confirming receipt of an image, such notification does not mean check or for more information before the image contains no errors or we are responsible will be considered for any information transmitted to us. We are not liable for any image we do not receivedeposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkimage that we do not receive. In addition you You agree that you will not: a) modify Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de-compile the technology or servicethe Service; b) copy  Copy or reproduce all or any part of the technology or servicethe Service; or c) interfere Interfere, or attempt to interfere, with the technology or servicethe Service.

Use of the Service. Following receipt of our notification email that you may begin using the Serviceof approval, you are will be authorized by us to remotely deposit a valid paper checks received check (“check,” “item”) that has been made payable to you, or to a joint owner on your Panhandle Educators Federal Credit Union account with us (the “Account”) ), or to the Credit Union, to your Account by using Mobile Deposit to electronically transmitting transmit a digital image of the paper check(scheck (“image,” “item”) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital an image, we will review the image for acceptability. You understand and agree that our receipt of an the image does not occur until after notification of receipt mean that the image will be accepted for deposit into your Account, and that you may be asked for additional images of the image. You understand that by receiving notification from us confirming receipt of an image, such notification does not mean check or for more information before the image contains no errors or we are responsible will be considered for any information transmitted to us. We are not liable for any image we do not receivedeposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkimage that we do not receive. In addition you You agree that you will not: a) modify• Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de-compile the technology or servicethe Service; b) copy • Copy or reproduce all or any part of the technology or servicethe Service; or c) interfere• Interfere, or attempt to interfere, with the technology or servicethe Service.

Use of the Service. Following receipt Upon acceptance of notification email that you may begin using the Servicethis Disclosure and Agreement and our approval, you are will be authorized by us to remotely deposit a valid paper checks received check (“check,”“item”) that has been made payable to you, or to a joint owner on your Summit Federal Credit Union account with us (the “Account”) ), or to the Credit Union, to your Account by using Mobile Check Deposit to electronically transmitting transmit a digital image of the paper check(scheck (“image,”“item”) to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital image, we will review the image for acceptability. You understand and agree that receipt of an image does not occur until after notification of receipt of the image. You understand that by receiving notification from us confirming receipt of an image, such notification you will receive a confirmation of receipt. This confirmation does not mean verify that the image/item is acceptable for deposit. It only confirms that the image contains no errors has been sent and verifies the item amount. You may be asked for additional images of the check or we are responsible for any more information transmitted to us. We are not liable before the image will be considered for any image we do not receivedeposit. Following receipt of the image, we may process the image by preparing a “substitute check” or clearing the item as an image. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in images that may prevent or delay the deposit of funds into your Account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkimage that we do not receive. In addition you You agree that you will not: a) modify• Modify, change or alter any item or image; • Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de-compile the technology or servicethe Service; b) copy • Copy or reproduce all or any part of the technology or servicethe Service; or c) interfere• Interfere, or attempt to interfere, with the technology or servicethe Service. ELIGIBILITY REQUIREMENTS You are eligible for the Service if: • You have a smart phone or tablet with an approved app. • Your Courtesy Pay and/or Mobile Check Deposit privileges have not been revoked. • You have a combined share account balance greater than negative $500. • You are not past 30 days delinquent on any Credit Union loan or obligation.

Use of the Service. Following receipt of notification email that If you may begin using the are approved for this Service, you are will be authorized by us to remotely deposit a valid paper checks received check that has been made payable to you, or to a joint owner on your Account, or to us, to your account with us (Account by using the “Account”) by Service to electronically transmitting a digital image transmit an Image of the paper check(s) check to your account for deposit. You will be required to transmit both the front and back of the check. Your use of the Service constitutes your acceptance of the terms and conditions of this disclosure and agreement. You agree to comply with any mobile device hardware and software requirements set forth by us and you understand and agree that the hardware and software requirements and specifications may change from time to timeus. Upon receipt of the digital imagean Image, we will review the image Image for acceptability. You understand and agree that receipt of an image does not occur until after notification of our receipt of the image. You understand that by receiving notification from us confirming receipt of an image, such notification Image does not mean that the image contains no errors Image will be accepted for deposit into your Account, and that you may be asked for additional Images or we are responsible for any more information transmitted to us. We are not liable before the Image will be considered for any image we do not receivedeposit. Following receipt of the imageImage, we may process the image Image by preparing a “"substitute check” " or clearing the item as an imageImage. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or reject any item for mobile deposit into your accountAccount. You understand that any amount credited to your account Account for items any item deposited using the service is a Service will be considered provisional credit until such time that we receive payment for the item from the financial institution on which the item was drawn. You understand that we are not responsible for errors in Images that may prevent or delay the deposit of funds into your account, and agree to indemnify us against that we are not responsible for any loss suffered because of acceptance of the remotely deposited checkImage that we do not receive. In addition you You agree that you will not: a) modify• Modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile de-compile the technology or service; b) copy the Mobile Deposit Service. • Copy or reproduce all or any part of the technology or servicethe Mobile Deposit Service; or c) interfere• Interfere, or attempt to interfere, with the technology or servicethe Mobile Deposit Service.