Disclosure and Agreement Sample Contracts

REMOTE DEPOSIT CAPTURE SERVICE TERMS & CONDITIONS
Disclosure and Agreement • July 12th, 2018 • Ohio

In this Disclosure and Agreement, the words "I," "me," "my," "us" and "our" mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the "Services") described in this Disclosure and Agreement. The words "you," "your," and "yours" mean (Directions Credit Union). My Application for use of the Remote Deposit Capture Services, your notification of approval of my application, and my Directions Credit Union Account Agreement and Disclosures are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and my Application, your approval, or the Account Agreement, this Disclosure and Agreement will control.

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ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT
Disclosure and Agreement • May 4th, 2015

• A deposit account application and all related account disclosures required by applicable federal and state law for the deposit product you have selected;

DISCLOSURE AND AGREEMENT FOR
Disclosure and Agreement • April 24th, 2020
Online Statement Disclosure and Agreement Farmers & Merchants Bank
Disclosure and Agreement • March 9th, 2023

This disclosure and agreement contains important information about Farmers & Merchants Bank’s (“Bank”) Online Statement service. You may wish to keep a copy of this disclosure for your records. The disclosure is also available at fmb-ebank.com . Before providing your consent to this agreement, please read and consider the following information.

Effective: July 1, 2018
Disclosure and Agreement • January 13th, 2012 • District of Columbia

In this Disclosure and Agreement, the words “I,”“me,”“my,”“us” and “our” mean the (member) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this Disclosure and Agreement. The words “you,”“your,” and “yours” mean (AgFed). My request for use of the Remote Deposit Capture Services, your notification of approval of my request, and my (AgFed) (Account Agreement and Disclosures) are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and my Application, your approval, or the Account Agreement, this Disclosure and Agreement will govern.

Class Act Federal Credit Union REMOTE DEPOSIT CAPTURE SERVICES TERMS AND CONDITIONS Effective: September 2014 Updated: September 2021
Disclosure and Agreement • September 30th, 2021 • Kentucky

In this Disclosure and Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this Disclosure and Agreement. The words “you,” “your,” and “yours” mean Class Act Federal Credit Union (CAFCU). My Application for use of the Remote Deposit Capture Services, your notification of approval of my application, and my CAFCU’s Account Agreement and Disclosures are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and my Application, your approval, or the Account Agreement, this Disclosure and Agreement will control.

Remote Deposit Capture Disclosure and Agreement
Disclosure and Agreement • February 5th, 2020

This Remote Deposit Capture Disclosure and Agreement as amended from time to time (“Agreement”) sets forth the terms and conditions governing the use of Valley Strong Credit Union’s Remote Deposit Capture services (“Remote Deposit Capture”). Please read this Agreement completely and retain it with your personal records. By using, or allowing another person to use, Remote Deposit Capture services offered by Valley Strong Credit Union, you agree to be bound by the terms and conditions of this Agreement. In this Agreement, the terms “you” and “your(s)” refer to the Member, and the terms “we”, “us”, “our(s)” and “Credit Union” refer to Valley Strong Credit Union.

PLATINUM VISA® CREDIT CARD CARDHOLDER DISCLOSURE AND AGREEMENT
Disclosure and Agreement • July 17th, 2013 • Rhode Island

• The extension of credit would cause the balance of your account to exceed your credit limit or if the balance of your account already exceeds your credit limit, or

Disclosure and Agreement
Disclosure and Agreement • September 6th, 2023 • Wisconsin

who apply for and/or use any of the electronic services described in this Disclosure. The words “we,” “our,” “us” or “Landmark” means Landmark Credit Union. “Card” means your debit card and/or ATM Card issued by Landmark and any additional cards or renewals. “ATM Terminals” “ATMs” and “AATMs” means

DISCLOSURE AND AGREEMENT ACT OF ELECTRONIC SIGNATURES IN GLOBAL TRADE AND NATIONAL
Disclosure and Agreement • December 29th, 2016

This disclosure and agreement on the law of electronic signatures in global and domestic trade applies to all communications and disclosures Banplus International Bank, Inc. (" the bank") is required by law to provide in writing. With the signing of this agreement the customer accepts the option to receive: account statements, notifications and information about their accessing electronic banking service in www.banpluspr.com accounts. Thus communications received in electronic form are considered "in writing”. Then the terms and conditions:

DISCLOSURE AND AGREEMENT ACT OF ELECTRONIC SIGNATURES IN GLOBAL TRADE AND NATIONAL
Disclosure and Agreement • August 11th, 2016

This disclosure and agreement on the law of electronic signatures in global and domestic trade applies to all communications and disclosures BI Puerto Rico International Bank, Inc. (" the bank") is required by law to provide in writing. With the signing of this agreement the customer accepts the option to receive: account statements, notifications and information about their accessing electronic banking service in www.binternationalbank.com accounts. Thus communications received in electronic form are considered "in writing”. Then the terms and conditions:

eBANKING DISCLOSURE AND AGREEMENT 2 eBANKING SERVICES 2 ADDITIONAL TERMS APPLICABLE TO eDEPOSITS SERVICES 9 ADDITIONAL TERMS APPLICABLE TO eMOBILE BANKING SERVICES 13 ADDITIONAL TERMS APPLICABLE TO ePAY SERVICES 14 ADDITIONAL TERMS APPLICABLE TO...
Disclosure and Agreement • February 24th, 2022 • Texas

This eBanking Disclosure and Agreement states the terms and conditions that apply when you use UNIFY Financial Federal Credit Union’s eBanking Services, which include, but are not limited to eDeposits, eMobile Banking, ePay, eStatements, and eText Banking (collectively “eBanking,” “eBanking Services,” or “Online Banking”). By utilizing the eBanking Services, you agree to the terms and conditions of this eBanking Disclosure and Agreement. Read this eBanking Disclosure and Agreement carefully and save or print a copy for your records.

E-SIGN ACT DISCLOSURE AND AGREEMENT
Disclosure and Agreement • August 30th, 2020

We are pleased to offer you the opportunity to receive information about your account electronically. If you would like to receive correspondence and notices from us electronically, instead of paper copies through the mail, please review this notice and provide your consent.

Contract
Disclosure and Agreement • January 5th, 2024 • Illinois

Mobile Deposit is a service offered by Corporate America Family Credit Union which allows you to deposit checks to your account by using your smart phone with a built-in camera. To learn more, read the agreement below.

WESTERLY COMMUNITY CREDIT UNION CUREWARDS® DISCLOSURE AND AGREEMENT
Disclosure and Agreement • July 2nd, 2021
Contract
Disclosure and Agreement • October 31st, 2022 • California

In this Disclosure and Agreement, the words "I," "me," "my," "us" and "our" mean, the member that applied for and/or uses any of the eDeposit - Remote Deposit Capture Services (the "Services") described in this Disclosure and Agreement. The words "you," "your," and "yours" mean Infinity Credit Union. The Infinity Credit Union All About Your Accounts Disclosure is hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement or the Account Agreement, this Disclosure and Agreement will control.

GOLD MASTERCARD/VISA CARD DISCLOSURE AND AGREEMENT (STANDARD)
Disclosure and Agreement • February 16th, 2017

In compliance with the Truth In Lending Act, The Fidelity Bank makes the following disclosure of credit terms applicable to the use of your credit card account. Please retain this disclosure and Agreement for your future reference. To avoid additional interest charges being applied to your current purchases on next month’s statement, pay the new balance on the statement in full by the next billing cycle closing date.

MOBILE DEPOSIT DISCLOSURE AND AGREEMENT
Disclosure and Agreement • May 24th, 2021 • Hawaii

In this Mobile Deposit Disclosure and Agreement (“Disclosure and Agreement”), the words “we,” “us,” “our” and “HawaiiUSA” refer to HawaiiUSA Federal Credit Union. The words “you,” “your,” or “yours” refer to the consumer or business who uses any of the mobile deposit services (the “Services”) described in this Disclosure and Agreement. The deposit account disclosures you received when you opened your account(s) with us (titled “Important Account Information for Our Members”) are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and the deposit account disclosures, this Disclosure and Agreement will control.

REMOTE DEPOSIT CAPTURE SERVICES DISCLOSURE AND AGREEMENT
Disclosure and Agreement • June 16th, 2022

In this Disclosure and Agreement, the words "I," "me," "my," "us" and "our" mean the consumer or business that applied for and/or uses any of the Remote Deposit Capture Services ("RDCS") described in this Disclosure and Agreement. The words "you," "your," and "yours" mean Merrimack Valley CU. My Application for use RDCS, your notification of approval of my application, and my Merrimack Valley CU Account Agreement and Disclosures are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and my Application, your approval, or the Account Agreement, this Disclosure and Agreement will control.

Empower Federal Credit Union Mobile Deposit Capture Disclosure and Agreement
Disclosure and Agreement • March 1st, 2024 • New York

In this Disclosure and Agreement, the words “we”, “us”, “our”, and “Empower” mean Empower Federal Credit Union and our successors and assigns. When we use the words “member,” “you,” or “your” we mean each person who uses the Mobile Deposit Capture Service (the “Service”) described in this disclosure and agreement, or has a membership or another relationship with Empower Federal Credit Union, and any person authorized to use such access. Your notification of use of the Service and the Membership and Account Agreement are hereby incorporated into and made a part of this disclosure and agreement. In the event of a discrepancy or contradiction in terms between this disclosure and agreement and your approval, this disclosure and agreement will control.

MOBILE DEPOSIT (REMOTE DEPOSIT CAPTURE SERVICES) DISCLOSURE AND AGREEMENT
Disclosure and Agreement • January 31st, 2017 • Pennsylvania

In this Disclosure and Agreement, the words “you”, “your”, and “yours” mean the Member that applied for and/or uses the Mobile Deposit (Remote Deposit Capture) Services (“Service”). The words “we”, and “our” means Bellco Federal Credit Union. Your application for use of Mobile Deposit, your notification of approval and your agreeing to this Disclosure and Agreement are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement, you and us, this Disclosure and Agreement will control.

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DISCLOSURE AND AGREEMENT
Disclosure and Agreement • March 14th, 2019 • Wisconsin

This agreement establishes the rules that govern the processing of deposited checks through member’s account(s) at Altra Federal Credit Union (“Altra”). Periodically, Altra may amend any of the terms and conditions contained in this agreement. Such amendments shall become effective as stated on any notice sent to you, the member. Examples of such notices might include, but are not limited to, newsletters, disclosures, etc. By using the Mobile Remote Deposit, you accept all the terms and conditions of this agreement. Please read it carefully. The Important Account Information For Our Members disclosure is hereby incorporated into and made a part of this Agreement. In the event of a discrepancy between this Agreement and the Important Account Information For Our Members disclosure, this Agreement will control.

Frontwave Credit Union REMOTE DEPOSIT CAPTURE SERVICES DISCLOSURE AND AGREEMENT Effective: January 2022
Disclosure and Agreement • January 5th, 2022 • California

In this Disclosure and Agreement, the words “I,” “me,” “my,” “us” and “our” mean the member that applied for, and/or any person that uses, any of the Remote Deposit Capture (RDC) Services aka: Frontwave Mobile Deposit (the “Services”) described in this Disclosure and Agreement. The words “you,” “your,” and “yours” mean Frontwave Credit Union. My Application for use of the Services, your notification of approval of my application, and my Frontwave Credit Union Account Terms and Conditions Agreement (“Account Agreement) are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a conflict between this Disclosure and Agreement and my Application, your approval, or the Account Agreement, this Disclosure and Agreement will control.

Remote Deposit Capture Services Disclosure and Agreement
Disclosure and Agreement • May 21st, 2019 • Florida

In this Disclosure and Agreement, the words “I,” “me,” “my” and “us” mean the member or business that uses any of the Remote Deposit Capture Services (the “RDCS”) described in this Disclosure and Agreement. ”Addition Financial” means Addition Financial Credit Union. My use of the "RDCS" and my acceptance of the Addition Financial "Important Account Information for Our Members" agreement and the "Deposit Availability Policy" are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and the Addition Financial "Important Account Information for Our Members" agreement and "Deposit Availability Policy", this Disclosure and Agreement will control.

Disclosure and Agreement for Certificates of Deposit
Disclosure and Agreement • December 16th, 2023 • Kansas

SUBJECT TO YOUR RIGHT TO OPT-OUT, THIS DISCLOSURE & AGREEMENT FOR SAVINGS AND TRANSACTION ACCOUNTS REQUIRES ANY CLAIM YOU HAVE AGAINST US ARISING OUT OF OR RELATED TO THIS AGREEMENT AND/OR YOUR ACCOUNT TO BE RESOLVED IN INDIVIDUAL BINDING ARBITRATION. THE TERMS OF THE ARBITRATION CLAUSE AND CLASS ACTION WAIVER APPEAR IN PART III, SECTION R. OF THIS AGREEMENT. THE TERMS OF THE ARBITRATION CLAUSE AND WAIVER OF CLASS ACTION DO NOT APPLY TO BUSINESS CUSTOMERS OR BUSINESS ACCOUNTS.

REMOTE DEPOSIT CAPTURE SERVICES DISCLOSURE AND AGREEMENT
Disclosure and Agreement • December 14th, 2017 • Texas

In this Disclosure and Agreement, the words "you," "your" or "user," mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the "Services") described in this Disclosure and Agreement. The words "Credit Human," "us," and "we" mean (Financial Institution). Your application for use of the Remote Deposit Capture Services, notification of approval of your application, and Credit Human Account Agreement and Disclosures are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and your Application, approval, or the Account Agreement, this Disclosure and Agreement will control. All other agreements you have entered into with Credit Human, including the Depository Agreement and Disclosures governing your Credit Human account, are incorporated by reference and made a part of this Agreement.

Remote Deposit Capture Member Disclosure and Agreement
Disclosure and Agreement • March 9th, 2018 • Pennsylvania

In this Disclosure and Agreement, the words “I,” “me,” “my,” “us” and “our” mean the member or business that applied for and/or uses any of the Remote Deposit Capture Services (the “Services”) described in this Disclosure and

eSIGN Disclosure and Agreement.
Disclosure and Agreement • June 22nd, 2020 • Texas

This eSign Disclosure and Agreement to Electronic Delivery (this “eSIGN Disclosure”) applies to all legal and regulatory disclosures and communications we may provide related to your eligible Accounts defined in Sections II.1 or II.2 as well as products and services accessible through our Website (as that term is defined below), both publicly accessible portions of our Website and portions available only to customers upon log in, and for which you elect to receive delivery from us in electronic form in lieu of receiving such disclosure or communication in writing, in the mail. Our eBanking services were designed and built to provide records to you in electronic form. You cannot enroll in any eBanking services without agreeing to receive the Allegiance eBanking Agreement and other disclosures delivered through eBanking services in electronic form.

E-SIGN DISCLOSURE AND AGREEMENT TO ELECTRONIC DELIVERY
Disclosure and Agreement • September 9th, 2020 • Texas

This E-Sign Disclosure and Agreement to Electronic Delivery (this “Agreement”) applies to all legal and regulatory disclosures and communications we may provide related to your eligible Accounts as well as products and services accessible through www.fnbbastrop.com or The First National Bank of Bastrop’s mobile application and for which you elect to receive delivery from us in electronic form in lieu of receiving such disclosure or communication in writing, in the mail. Our Online Banking Service (the “Service”) was designed and built to provide records to you in electronic form. You cannot enroll in the Service online without agreeing to receive the Online Banking Agreement and other disclosures delivered through the Online Banking Service in electronic form.

Mobile Deposit Disclosure and Agreement Farmers & Merchants State Bank of Springfield
Disclosure and Agreement • February 5th, 2020 • Minnesota

In this Disclosure and Agreement, the words “I,” “me,” “my,” “us” and “our” mean the (consumer or business) that applied for and/or uses any of the Mobile Deposit Services (the “Services”) described in this Disclosure and Agreement. The words “you,” “your,” and “yours” mean Farmers & Merchants State Bank of Springfield (“F&M Bank”). My application for use of the Mobile Deposit Services (the

Empower Federal Credit Union Mobile Deposit Capture Disclosure and Agreement
Disclosure and Agreement • March 1st, 2024 • New York

In this Disclosure and Agreement, the words “we”, “us”, “our”, and “Empower” mean Empower Federal Credit Union and our successors and assigns. When we use the words “member,” “you,” or “your” we mean each person who uses the Mobile Deposit Capture Service (the “Service”) described in this disclosure and agreement, or has a membership or another relationship with Empower Federal Credit Union, and any person authorized to use such access. Your notification of use of the Service and the Membership and Account Agreement are hereby incorporated into and made a part of this disclosure and agreement. In the event of a discrepancy or contradiction in terms between this disclosure and agreement and your approval, this disclosure and agreement will control.

ATM /MASTERCARD DEBIT CARD DISCLOSURE AND AGREEMENT
Disclosure and Agreement • June 18th, 2020

This Disclosure and Agreement is amended from time to time (“Agreement”) and sets forth the terms and conditions governing the use of the ATM Card (“Card”) and/or MASTERCARD Debit Card (“MasterCard Check Card” or “Card”) issued to you at your request by Safe 1 Credit Union (“Credit Union” or “us” or “we”). This Agreement takes the place of all prior agreements and disclosures governing the use of your Card. By retaining, using, or allowing others to use your Card, you agree to be bound by the terms and conditions of this Agreement.

Electronic Document Disclosure and Agreement
Disclosure and Agreement • July 13th, 2021

This Agreement is the contract, which covers your and our rights, and responsibilities concerning First Community Bank's e‐statement & E‐Notice services offered to you. The words "we," "us," and "our" mean First Community Bank. The word "account" means any one or more accounts you have with First Community Bank.

MoBi Anytime Deposit Services Disclosure and Agreement
Disclosure and Agreement • November 30th, 2017 • Texas

In this Disclosure and Agreement, the words "I," "me," "my," "us" and "our" mean the (consumer or business) that applied for and/or uses any of the Remote Deposit Capture Services (the "Services") described in this Disclosure and Agreement. The words "you," "your," and "yours" mean Southwest Financial FCU. My Application for use of the Remote Deposit Capture Services, your notification of approval of my application, and my Southwest Financial FCU Account Agreement and Disclosures are hereby incorporated into and made a part of this Disclosure and Agreement. In the event of a discrepancy between this Disclosure and Agreement and my Application, your approval, or the Account Agreement, this Disclosure and Agreement will control.

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