Common use of Unpaid Checks Clause in Contracts

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 you deposit by using the Service have been received and accepted for deposit by River Region Credit Union. The credit union 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 River Region Credit Union credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union 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 credit union 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 River Region Credit Union 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’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 Credit Union makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union and are accurate. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union 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 Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐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 service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms and conditions of the 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 the Service Mobile Deposit have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 River Region Credit Union the Bank credits your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service Mobile Deposit to deposit a substitute check and you may not deposit redeposit the original Check check through the Service 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: River Region Credit Union Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through the ServiceMobile Deposit. In addition, you may access River Region Credit Unionthe 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service Mobile Deposit have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check check by River Region Credit Union the Bank through the Service Mobile Deposit does not constitute an acknowledgement by the Credit Union Bank 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 Membership Deposit Account Agreement. You may notify us by writing to River Region Credit UnionXxxxx & Xxxxxxx Bank, 0000 Xxxx Xxxxxx XxxxxxxxxOnline Services Department, Jefferson CityX.X. Xxx 000, MO 65109 Xxxxxxxxxx, XX 00000 or telephoning us at 866-­‐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 discrepancy703-684- 1655. Availability of serviceService/Contingency: Contingency In the event you are unable to capture, balance, process, produce submit or transmit a file check image to the Credit UnionBank, or otherwise comply with the terms or of the Procedures 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 River Region Credit Union Bank branch location. The deposit of original checks at an office a branch of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership 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 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 that you deposit by using the usingthe Service have been received and receivedand accepted for deposit by River Region Credit Unionthe Bank. The credit union will provide Bank willprovide you with notice of any deposits that it is unable to process because Checks were returned unpaid by returnedunpaidby the payor financial institution. You agree to accept such notices at your e-­‐mail e-mail address on file with us, but we may choose any reasonable method for providing such providingsuch notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that Checkthat is subsequently dishonored and returned, you authorize River Region Credit Union the Bank to debit the amount of such Check, Check plus any associated fees, 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 credit union Bank in our sole discretion. Our right to charge your account(s) will apply without applywithout 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 understandand agree, that since the original Check is your property, it will not be returned and River Region Credit Union the Bank may charge back an image of the Check, 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 the Service to deposit a substitute check and you andyou may not deposit the original Check through Checkthrough the Service or in any other manner if you receive a dishonored Check. You agree to comply with any additional anyadditional instructions we may provide to you in connection with returned Checks. Duty to report errors: River Region Credit Union The Bank will provide you with youwith periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Unionmayaccess 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 suchinformation that the Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union and are Bank andare accurate. Receipt of a Check by River Region Credit Union the Bank through the Service does not constitute an acknowledgement by the Credit Union Bank that the Check is error-­‐free error-free or that we will be liable for the Check. You agree to notify us promptly of promptlyof any errors, omissions, or discrepancies in a deposit within the withinthe time periods established in your Membership Bank Account Agreement. You may notify notifyus by e-mailing us by writing to River Region Credit Unionat (email address), 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or writingto (Bank physical address) or telephoning us at 866-­‐649-­‐5015(###-###-####). You agree to cooperate in any investigation inanyinvestigation by River Region Credit Union of the Bankof any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union notifythe Bank of any erroranyerror, omission or omissionor other discrepancy in accordance with this Agreement and your Membership thisAgreement andyour Bank Account Agreement shall relieve shallrelieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank location. The deposit of original checks originalchecks at an office of River Region Credit Union the Bank shall be governed by governedby the terms and conditions of the Membership 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 imageanimage, you must securely store the original Check for 14 days after transmission to us and make the original Check accessible Checkaccessible to us at our request. Upon our request from time to time, you will deliver to us within 2 withintwo Business Days, at your expense, the requested original Check in your inyour possession. If not provided in providedin a timely manner, such amount will be reversed from your account. Promptly after Promptlyafter the 14 14-day retention period expires, you must destroy the original Check by first marking it "VOID" and then destroying it by cross-­‐cut cross-cut shredding or another commercially acceptable means of destruction. After destruction of destructionof the original Check, the image will be the sole evidence of the original Check. You agree that you will never re-­‐present represent the original Check. You understand that you are responsible if anyone is asked to askedto make a payment based on an original check that checkthat has already been paid. Presenting checks more than once: Once you have used the usedthe Service to deposit a Check you agree youagree not to present, or allow anyone else to present, that original Check or 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 than oncethanonce, in violation of inviolationof this Agreement, you agree to indemnify, defend and hold River Region Credit Union 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 River Region Credit Union 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 amountsuchamount, we shall debit the deficiency amount deficiencyamount from any other of your account(s) with River Region Credit Union the Bank in our sole discretion. Your Authentication method: You agree that we are entitled to act upon instructions 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 collectively as collectivelyas your “Authentication Method”). You are liable for all transactions made or authorized with the use of your Authentication Method. We have no responsibility for responsibilityfor establishing the identity of any person who anypersonwho uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its safeguardits secrecy, you will be in violation of your obligations under your Membership 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 anyand all liability, and agree andagree not to make any claim or bring any action against actionagainst us, relating to our honoring or allowing any actions or transactions that are conducted under your Authentication Method or acting upon instructionsuponinstructions, messages or authorizations provided to us using your usingyour Authentication Method. By accessing the Service with your withyour Authentication Method, you authorize youauthorize us to complete the requested transaction(s) through the Service. Any requests or instructions we receive from you through youthrough the Service using your Authentication Method shall be considered “in writing” under all applicable law and shall have the andshall havethe same force and legal andlegal effect as aa 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. 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 the Service have been received and accepted for deposit by River Region Credit Unionus. The credit union We will provide you with notice of any deposits that it is we were 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 River Region Credit Union credits we credited your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union us 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 credit union us 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 River Region Credit Union we 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 the Service to deposit a substitute check and you may not deposit the original Check check through 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: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’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 Credit Union makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union and are accurate. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union 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 Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐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 service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms and conditions of the 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 the Service Mobile Deposit have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 River Region Credit Union the Bank credits your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service Mobile Deposit to deposit a substitute check and you may not deposit redeposit the original Check check through the Service 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: River Region Credit Union Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through the ServiceMobile Deposit. In addition, you may access River Region Credit Unionthe 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service Mobile Deposit have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check check by River Region Credit Union the Bank through the Service Mobile Deposit does not constitute an acknowledgement by the Credit Union Bank 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 Membership Deposit Account Agreement. You may notify us by writing to River Region Credit UnionMainStreet Bank, 0000 Xxxx Xxxxxx XxxxxxxxxAttn: Connect Support, Jefferson City00000 Xxxxxxx Xxxx, MO 65109 Xxxxxxx, XX 00000 or telephoning calling us at 866-­‐649-­‐5015000-000-0000. You agree to cooperate in any investigation by River Region Credit Union the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Membership Deposit Account Agreement shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of serviceService/Contingency: Contingency In the event you are unable to capture, balance, process, produce submit or transmit a file check image to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank branch location. The deposit of original checks at an office a branch of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership 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 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. account You are solely responsible for verifying that Checks that you deposit by using the Service have been received and accepted for deposit by River Region the Credit Union. The credit union Credit Union will provide you with notice of any deposits that it is unable to process because Checks were returned unpaid by the payor payoff financial institution. You agree to accept such notices at your e-­‐mail e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region the Credit Union credits your account for a Check that is subsequently dishonored and returned, you authorize River Region the 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 credit union Credit Union 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 River Region the Credit Union 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region The Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region the Credit Union’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 Credit Union makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union and are accurate. Receipt of a Check by River Region the Credit Union through the Service does not constitute an acknowledgement by the Credit Union that the Check is error-­‐free 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 Membership Credit Union Account Agreement. You may notify us by e-mailing us at xxxxxxxxxxxxxxx@xxxxxxxxxxxxxxx.xxx, or writing to River Region Mutual Savings Credit Union; PO Box 4569; Atlanta, 0000 Xxxx Xxxxxx XxxxxxxxxGeorgia 30302, Jefferson City, MO 65109 or telephoning us at 866-­‐649-­‐5015000-000-0000. You agree to cooperate in any investigation by River Region the Credit Union of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region the Credit Union of any error, omission or other discrepancy in accordance with this Agreement and your Membership Credit Union Account Agreement shall relieve the Credit Union of any liability for such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region the Credit Union shall be governed by the terms and conditions of the Membership 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 2 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 14-day retention period expires, you must destroy the original Check by first marking it "VOID" and then destroying it by cross-­‐cut 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 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 River Region 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 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 the 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 that you deposit by using the Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region Credit Union The Bank will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Unionthe 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check by River Region Credit Union the Bank through the Service does not constitute an acknowledgement by the Credit Union Bank that the Check is error-­‐free 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 Membership Bank Account Agreement. You may notify us by e-mailing us at (email address), or writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 (Bank physical address) or telephoning us at 866-­‐649-­‐5015(###-###-####). You agree to cooperate in any investigation by River Region Credit Union the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement thisAgreement and your Membership Bank Account Agreement shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank location. The deposit of original checks at an office of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership 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 2 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 14-day retention period expires, you must destroy the original Check by first marking it "VOID" and then destroying it by cross-­‐cut 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 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 River Region Credit Union 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 River Region Credit Union 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 River Region Credit Union 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 Membership 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 aa 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. 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 the Mobile Check Deposit Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the mRDC Service to deposit a substitute check and you may not deposit the original Check check through the mRDC 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 errorsERROR RESOLUTION: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’s Online Banking service for information about your deposits, return items, deposit adjustments, Checks and other transactions on your accounts. You agree that it o notify City National Bank of any suspected errors regarding items deposited through 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 Credit Union 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 the Service have been received service shall be deemed correct, and accepted by the Credit Union and are accurate. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union that the Check is error-­‐free or that we you will be liable precluded from bringing a claim against City National Bank for the Check. You agree to notify us promptly of any errors, omissions, alleged error or discrepancies omission in a deposit within the time periods established in your Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐649-­‐5015such 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 investigation by River Region Credit Union originals or copies 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 items deposited through Mobile Check Deposit in accordance with this Agreement your possession and your Membership Account Agreement shall relieve the Credit Union of any liability for records relating to such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms items and conditions of the 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 meanstransmissions. If you need assistance with the service, or anyone else present a Check need to notify us of an error 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 suspected error in your account are insufficient to cover such amountstatement, 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 need to anyone or fail to safeguard its secrecycommunicate with City National Bank for other reasons, 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 please contact 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 aby:

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 you deposit by using the Service have been received and accepted for deposit by River Region Credit Union. The credit union Bank will provide you with notice of any deposits that it is unable to process because Checks 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 such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service Mobile Check Deposit to deposit a substitute check and you may not deposit redeposit the original check through Mobile Check through the Service 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: River Region Credit Union Report Errors The Bank will provide you with periodic account statements that will identify the deposits that you make through the ServiceMobile Check Deposit. In addition, you may access River Region Credit Union’s Online the Electronic Banking service Services 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service Mobile Check Deposit have been received and accepted by the Credit Union Bank and are accurate. Receipt of a check by the Bank through Mobile Check by River Region Credit Union through the Service Deposit does not constitute an acknowledgement by the Credit Union Bank 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 the Bank Documents for your Membership 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 River Region Credit Unionat Electronic Banking Department, 0000 Xxxx Tennessee State Bank, XX Xxx 0000, Xxxxxx XxxxxxxxxXxxxx, Jefferson CityXX 00000, MO 65109 by email at xxxxxxxxx@xxxxxxxxxxx.xxx or telephoning us at 866-­‐649-­‐5015visit any branch location. You agree to cooperate in any investigation by River Region Credit Union the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement MCDAddendum, EBAgreement and the Bank Documents for your Membership Account Agreement account shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of serviceService/Contingency: Contingency In the event you are unable to capture, balance, process, produce submit or transmit a file check image to the Credit UnionBank, or otherwise comply with the terms or the Procedures 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 River Region Credit Union locationBank at Tennessee State Bank, X.X. Xxx 0000, Xxxxxx Xxxxx, XX 00000. The deposit of original checks at an office a branch of River Region Credit Union the Bank shall be governed by the terms Bank Documents for your account and conditions of the Membership Account Agreement Regulation CC Funds Availability Disclosure and not by the terms of this AgreementMCDAgreement. Storage, security Security and destructionDestruction/disposal Disposal of the checks: Checks After you receive a confirmation email notification from xxxxxxxx@xxxxxxxxxxx.xxx that we have received an imageyour deposit has been submitted, you must agree to securely store the original Check check for 14 days after transmission to us and a check retention period of sixty (60) Business Days. You must also make the original Check check accessible to us at our request. Upon our request from time to timerequest, you will deliver to us within 2 two (2) Business Days, at your expense, the requested original Check check in your possession. If not provided in a timely manner, such amount will be reversed from your account. Promptly after the 14 sixty (60) day retention period expires, you must agree to destroy the original Check check by first marking it "VOID" and then destroying it by cross-­‐cut cross- cut shredding or another commercially acceptable means of destruction. After destruction of the original Checkcheck, the image will be the sole evidence of the original Checkcheck. You agree that you will never re-­‐present re-present the original Checkcheck. 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: Checks More Than Once Once you have used the Service Mobile Check Deposit to deposit a Check check and that check has been submitted and approved, you agree not to present, present or allow anyone else to present, present that original Check check or a substitute check of that original Check check again for deposit through the Service Mobile Check Deposit or by any other means. If you or anyone else present presents a Check check or substitute check for deposit more than once, in violation of this AgreementMCDAddendum, you agree to indemnify, defend and hold River Region Credit Union 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 check or substitute check. You agree that we may debit from your River Region Credit Union bank account the aggregate amount of any Checks 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 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 Presentment 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 checks more than once will be in a violation of your obligations under your Membership Account Agreement this MCDAddendum 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 will be considered “in writing” under all applicable law an action to terminate this MCDAddendum and shall have the same force and legal effect as acustomer’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 that you deposit by using the Service Mobile Deposit have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service Mobile Deposit to deposit a substitute check and you may not deposit the original Check through the Service 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: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’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 Credit Union makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union and are accurate. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union 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 Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐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 service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms and conditions of the 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 that you deposit by using the Service Mobile Deposit have been received and accepted for deposit by River Region Credit UnionTruStone. The credit union TruStone will provide you with notice of any deposits that it is are unable to process because when Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-­‐mail e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union TruStone credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union us 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 credit union in TruStone 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 agree, since the original Check is your property, it will not be returned and River Region Credit Union TruStone 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 the Service Mobile Deposit to deposit a substitute check and you may not deposit the original Check through the Service 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: River Region Credit Union errors TruStone will provide you with periodic statements that will identify identifying the deposits that you make through the ServiceMobile Deposit. In addition, you may access River Region Credit UnionTruStone’s Online Digital 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 Credit Union TruStone makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union TruStone and are accurate. Receipt of a Check by River Region Credit Union TruStone through the Service Mobile Deposit does not constitute an acknowledgement by the Credit Union that us, the Check is error-­‐free 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 Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐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 service/Contingency: Contingency In the event you are unable to capture, balance, process, produce or transmit a file to the Credit UnionTruStone, or otherwise comply with the terms or the Procedures 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 River Region Credit Union closet TruStone location. The deposit of original checks at an office of River Region Credit Union TruStone shall be governed by the terms and conditions of the Membership Account Agreement Funds Availability Policy located in the Owner’s Manual 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 that you deposit by using the Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region Credit Union Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Unionthe Bank’s Online Banking service 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check by River Region Credit Union the Bank through the Service does not constitute an acknowledgement by the Credit Union Bank that the Check is error-­‐free 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 Membership Bank Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 emailing us at xxxx@xxxxxxxxxxxxxxxxx.xxx or telephoning us at 866-­‐649-­‐5015000-000-0000. You agree to cooperate in any investigation by River Region Credit Union the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Membership Bank Account Agreement shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of service/Contingency: Service/ Contingency In the event you are unable to capture, balance, process, produce or transmit a file fie to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union locationFarmers and Drovers Main Bank location at 000 X Xxxx Xxxxxx, Xxxxxxx Xxxxx, Xxxxxx. The deposit of original checks at an office of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership Deposit Account Agreement and not by the terms of this Agreement. Storage, security and destruction/disposal The Bank is not responsible for providing an alternate method 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 remote deposit 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 is 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 aavailable.

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 you deposit by using the Service have been received and accepted for deposit by River Region Credit UnionTruStone. The credit union TruStone will provide you with notice of any deposits that it is are unable to process because Checks were returned unpaid by the payor financial institution. You agree to accept such notices at your e-­‐mail e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union TruStone credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union us 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 credit union in TruStone 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 agree, since the original Check is your property, it will not be returned and River Region Credit Union TruStone 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region Credit Union errors TruStone will provide you with periodic statements that will identify identifying the deposits that you make through the Service. In addition, you may access River Region Credit UnionTruStone’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 Credit Union TruStone makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union TruStone and are accurate. Receipt of a Check by River Region Credit Union TruStone through the Service does not constitute an acknowledgement by the Credit Union that us, the Check is error-­‐free 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 Membership Account Agreement. You may notify us by e-mailing us at xxxxxx@xxxxxxxxxxxxxxxxx.xxx, or writing to River Region Credit Union(TruStone, 0000 Xxxx Xxxxxx XxxxxxxxxAttn: E-Staff, Jefferson CityP.O. Box 1260, MO 65109 Minneapolis, MN 55440-1260) or telephoning us at 866-­‐649-­‐5015(763.544.1517 or 800.862.1998). You agree to cooperate in any investigation by River Region Credit Union TruStone of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union us of any error, omission or other discrepancy in accordance with this Agreement and your Membership Account Agreement shall relieve the Credit Union TruStone of any liability for such error, omission or discrepancy. Availability of service/Contingency: Contingency In the event you are unable to capture, balance, process, produce or transmit a file to the Credit UnionTruStone, or otherwise comply with the terms or the 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 River Region Credit Union TruStone location. The deposit of original checks at an office of River Region Credit Union TruStone shall be governed by the terms and conditions of the Membership Account Agreement Funds Availability Policy located in the Owner’s Manual 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 that you deposit by using the Service have been received and accepted for deposit by River Region Credit UnionBank. The credit union 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 e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 Since the original Check is your property, it will not be returned and River Region Credit Union 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 checkCheck. You may not use the Service to deposit a substitute check Check and you may not deposit the original Check through 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. Your Duty to report errorsReport Errors: River Region Credit Union Bank will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’s 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check by River Region Credit Union the Bank through the Service does not constitute an acknowledgement by the Credit Union Bank that the Check is error-­‐free error-free or that we will be liable for the Check. 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 Membership 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 River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 (Bank physical address) or telephoning us at 866-­‐649-­‐5015. You agree to cooperate in any investigation by River Region Credit Union of any unsuccessful or lost transmission800-467-7216. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Membership Bank Account Agreement shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of service/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, balance, process, produce or transmit a file to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank location. The deposit of original checks Checks at an office of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership Account Agreement Other Bank Agreements and not by the terms of this Agreement. Storage, security and destruction/disposal Bank is not responsible for providing an alternative method 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 remote deposit capture 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 is 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 aavailable.

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 you deposit by using the Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region Credit Union The Bank will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Unionthe 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check by River Region Credit Union the Bank through the Service does not constitute an acknowledgement by the Credit Union Bank that the Check is error-­‐free 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 Membership Bank Account Agreement. You may notify us by e-mailing us at xxx.xxxxxxxxxxxx.xxx, or writing to River Region Credit UnionBank of Weston, 0000 Xxxx Xxxxxx XxxxxxxxxX.X. Xxx 0, Jefferson CityXxxxxx, MO 65109 XX 00000 or telephoning us at 866-­‐649-­‐5015(000)000-0000. You agree to cooperate in any investigation by River Region Credit Union the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Membership Bank Account Agreement shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank location. The deposit of original checks at an office of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership 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 2 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 14-day retention period expires, you must destroy the original Check by first marking it "VOID" and then destroying it by cross-­‐cut 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 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 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 River Region Credit Union 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 River Region Credit Union 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 Membership 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 aa 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. 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 the Business Mobile Check Deposit Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the BmCD Service to deposit a substitute check and you may not deposit the original Check check through the BmCD 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: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’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 Credit Union 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 the Service have been received service shall be deemed correct, and accepted by the Credit Union and are accurate. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union that the Check is error-­‐free or that we you will be liable precluded from bringing a claim against City National Bank for the Check. You agree to notify us promptly of any errors, omissions, alleged error or discrepancies omission in a deposit within the time periods established in your Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐649-­‐5015such 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 investigation by River Region Credit Union originals or copies 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 items deposited through Business Mobile Check Deposit in accordance with this Agreement your possession and your Membership Account Agreement shall relieve the Credit Union of any liability for records relating to such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms items and conditions of the 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 meanstransmissions. If you need assistance with the service, or anyone else present a Check need to notify us of an error 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 suspected error in your account are insufficient to cover such amountstatement, 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 need to anyone or fail to safeguard its secrecycommunicate with City National Bank for other reasons, 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 please contact 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 aby:

Unpaid Checks. Should you I fail to produce the original check, I authorize you authorize us to deduct that amount from your my account. You are I am solely responsible for verifying that Checks that you I deposit by using the Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union You will provide you me with notice of any deposits that it is you are unable to process because Checks were returned unpaid by the payor financial institution. You I agree to accept such notices at your e-­‐mail my e-mail address on file with usyou, but we you may choose any reasonable method for providing such notices to youme. In the event that River Region Credit Union the Bank credits your my account for a Check that is subsequently dishonored and returned, I authorize you authorize 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 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 credit union in our your sole discretion. Our Your right to charge your my 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 I understand and agree agree, that since the original Check is your my property, it will not be returned and River Region Credit Union you may charge back an image of the Check, 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 or a substitute check. You I may not use the Service to deposit a substitute check and you I may not deposit the original Check through the Service or in any other manner if you I receive a dishonored Check. You I agree to comply with any additional instructions we you may provide to you me in connection with returned Checks. Duty to report errors: River Region Credit Union Report Errors. You will provide you me with periodic statements that will identify the deposits that you I make through the Service. In addition, you I may access River Region Credit Unionthe Bank’s Online Banking service for information about your my deposits, return items, deposit adjustments, Checks and other transactions on your my accounts. You I agree that it is your my responsibility to review all such information that the Credit Union Bank makes available to you me in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union you and are accurate. Receipt of a Check by River Region Credit Union you through the Service does not constitute an acknowledgement by the Credit Union you that the Check is error-­‐free error-free or that we you will be liable for the Check. You I agree to notify us you promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Membership 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 River Region Credit UnionCounty Bank Attn: Call Center / Mobile Deposit, 0000 Xxxx Xxxxxx Xxxxxxxxx00000 Xxxxxxx Xxxx, Jefferson CityXxxxxxxx Xxxxx, MO 65109 XX 00000 or telephoning us you at 866-­‐649-­‐5015000-000-0000. You I agree to cooperate in any investigation by River Region Credit Union you of any unsuccessful or lost transmission. Subject to applicable law, any failure by you me to notify River Region Credit Union you of any error, omission or other discrepancy in accordance with this Agreement and your Membership my Deposit Account Agreement shall relieve the Credit Union you of any liability for such error, omission or discrepancy. Availability of serviceService/Contingency: . In the event you are I am unable to capture, balance, process, produce or transmit a file to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank location. The deposit of original checks at an office of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership 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 requestPresenting Checks More Than Once. 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 I have used the Service to deposit a Check you 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 you I or anyone else present a Check or substitute check for deposit more than once, in violation of this Agreement, you I agree to indemnify, defend and hold River Region Credit Union 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 I agree that we you may debit from your River Region Credit Union my Bank account the aggregate amount of any Checks that that are deposited more than once. To the extent that funds in your my account are insufficient to cover such amount, we you shall debit the deficiency amount from any other of your my account(s) with River Region Credit Union in our your 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 that checks you deposit by using the Mobile Check Deposit Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 email address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the mRDC Service to deposit a substitute check and you may not deposit the original Check check through the mRDC 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 errorsERROR RESOLUTION: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’s Online Banking service for information about your deposits, return items, deposit adjustments, Checks and other transactions on your accounts. You agree that it to notify City National Bank of any suspected errors regarding items deposited through 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 Credit Union 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 the Service have been received service shall be deemed correct, and accepted by the Credit Union and are accurate. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union that the Check is error-­‐free or that we you will be liable precluded from bringing a claim against City National Bank for the Check. You agree to notify us promptly of any errors, omissions, alleged error or discrepancies omission in a deposit within the time periods established in your Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐649-­‐5015such 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 investigation by River Region Credit Union originals or copies 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 items deposited through Mobile Check Deposit in accordance with this Agreement your possession and your Membership Account Agreement shall relieve the Credit Union of any liability for records relating to such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms items and conditions of the 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 meanstransmissions. If you need assistance with the service, or anyone else present a Check need to notify us of an error 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 suspected error in your account are insufficient to cover such amountstatement, 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 need to anyone or fail to safeguard its secrecycommunicate with City National Bank for other reasons, 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 please contact 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 aby:

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 you deposit by using the Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 e- mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region Credit Union The Bank will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Unionthe 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check by River Region Credit Union the Bank through the Service does not constitute an acknowledgement by the Credit Union Bank that the Check is error-­‐free 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 Membership Bank Account Agreement. You may notify us by e-mailing us at (xxxxx@xxxxxxxxxxxxxxxx.xxx), or writing to River Region Credit UnionStockgrowers State Bank Attn: Mobile Deposit Operations, 0000 Xxxx Xxxxxx XxxxxxxxxPO BOX 458, Jefferson CityAshland, MO 65109 KS 67831 or telephoning us at 866-­‐649-­‐5015(800-772-2265). You agree to cooperate in any investigation by River Region Credit Union the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Membership Bank Account Agreement shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank location. The deposit of original checks at an office of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership 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 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 the Service Mobile Deposit have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 River Region Credit Union the Bank credits your account for a Check check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service Mobile Deposit to deposit a substitute check and you may not deposit redeposit the original Check check through the Service 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: River Region Credit Union Report Errors The Bank will provide you with periodic statements that will identify the deposits that you make through the ServiceMobile Deposit. In addition, you may access River Region Credit Unionthe 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 Credit Union Bank makes available to you in a timely manner to verify that deposits made through the Service Mobile Deposit have been received and accepted by the Credit Union Bank and are accurate. Receipt of a Check check by River Region Credit Union the Bank through the Service Mobile Deposit does not constitute an acknowledgement by the Credit Union Bank 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 Membership Deposit Account Agreement. You may notify us by writing to River Region Credit UnionPinnacle Bank, e-Banking Support, 0000 Xxxx Xxxxxx XxxxxxxxxXxxxxxx Parkway Suite 100, Jefferson CityMyrtle Beach, MO 65109 SC 29577 or telephoning us at 866-­‐649-­‐5015000-000-0000. You agree to cooperate in any investigation by River Region Credit Union the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify River Region Credit Union the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Membership Deposit Account Agreement shall relieve the Credit Union Bank of any liability for such error, omission or discrepancy. Availability of serviceService/Contingency: Contingency In the event you are unable to capture, balance, process, produce submit or transmit a file check image to the Credit UnionBank, or otherwise comply with the terms or the 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 River Region Credit Union Bank branch location. The deposit of original checks at an office a branch of River Region Credit Union the Bank shall be governed by the terms and conditions of the Membership 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 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 the Checks that you deposit by using the Service have been received and accepted for deposit by River Region Credit UnionPCSB. The credit union PCSB 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 River Region Credit Union PCSB credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union PCSB 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 River Region Credit Union 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 any electronic or paper reproduction of the original Check or a substitute check. You may not use the Service to deposit a substitute check and you may not deposit the original Check through 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 errorsAvailability of Funds: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’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 items transmitted using the Services are not subject to review all such information that the Credit Union makes available to funds availability requirements of Federal Reserve Board Regulation CC. In general, if an image of an item you in a timely manner to verify that deposits made transmit through the Service have been is received and accepted by before 2:00 p.m. Central Time on a business day that we are open, we consider that day to be the Credit Union and are accurateday of your deposit. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union Otherwise, we will consider that the Check is error-­‐free or that deposit was made on the next business day we will be liable for are open. PCSB may delay availability of funds based on such factors as credit worthiness, the Check. You agree to notify us promptly length and extent of any errorsyour relationship with us, omissionstransaction and experience information, or discrepancies and such other factors as PCSB, in a deposit within the time periods established in your Membership Account Agreement. You may notify us by writing to River Region Credit Unionits sole discretion, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐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 service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms and conditions of the Membership Account Agreement and not by the terms of this Agreementdeems 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 2 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 14-day retention period expires, you must destroy the original Check by first marking it "“VOID" ” and then destroying it by cross-­‐cut 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 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 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 the Bank harmless from and against all liability and damages that may result from any claims, suits duties 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 Bank account the aggregate amount of any Checks that 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 River Region Credit Union 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: Xxxxxx County State Bank will provide you with periodic statements that will identify the deposits that you make through MMRD. In addition, you may access PCSB’s Online Banking service for information about your deposits, return items, deposit adjustments, 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 MMRD have been received and accepted by PCSB and are accurate. Receipt of a Check by PCSB through MMRD does not constitute an acknowledgment 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 PCSB Account Agreement. You may notify us by e- mailing us at xxxxxxxx@xxxxxxxxxxxxxxxxxxxxx.xxx, or writing to P.O. Box 285, Unionville, MO 63565, or telephoning us at (000) 000-0000. 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 any 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 the Service MMRD under your 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 your Membership 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 the ServiceMMRD. Any requests or instructions we receive from you through the Service MMRD using your Authentication Method shall be considered “in writing” under all applicable law and shall have the same force and legal effect as aa 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/User 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 (000) 000-0000 and with written notice at Xxxxxx County State Bank, P.O. Box 285, Unionville, MO 63565, or 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 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. 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 (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 Services is subject to and conditioned upon your complete compliance with this Agreement. Without limiting the effect of the 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 all applicable rules, laws and regulations. You agree to indemnify and hold harmless Xxxxxx County State Bank from any loss for breach of this warranty 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 us to deduct that amount from your account. You are solely responsible for verifying that Checks that you deposit by using the Service have been received and accepted for deposit by River Region Credit Unionthe Bank. The credit union 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 e-mail address on file with us, but we may choose any reasonable method for providing such notices to you. In the event that River Region Credit Union the Bank credits your account for a Check that is subsequently dishonored and returned, you authorize River Region Credit Union the Bank 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 credit union 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 River Region Credit Union 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 the Service to deposit a substitute check and you may not deposit the original Check through 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: River Region Credit Union will provide you with periodic statements that will identify the deposits that you make through the Service. In addition, you may access River Region Credit Union’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 Credit Union makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Credit Union and are accurate. Receipt of a Check by River Region Credit Union through the Service does not constitute an acknowledgement by the Credit Union 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 Membership Account Agreement. You may notify us by writing to River Region Credit Union, 0000 Xxxx Xxxxxx Xxxxxxxxx, Jefferson City, MO 65109 or telephoning us at 866-­‐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 service/Contingency: In the event you are unable to capture, balance, process, produce or transmit a file to the Credit Union, or otherwise comply with the terms or the 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 River Region Credit Union location. The deposit of original checks at an office of River Region Credit Union shall be governed by the terms and conditions of the 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.