Common use of Your Duty to Report Errors Clause in Contracts

Your Duty to Report Errors. The Bank will provide you with periodic statements that will identify the deposits you make through the Service. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Bank and are accurate. Receipt of a Check by the Bank through the Service does not constitute an acknowledgement by the Bank that the Check is error-free or that we will be liable for the Check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Bank Account Agreement. You may notify us by e-mailing us at xxx.xxxxxxxxxxxxx.xxx or in writing to Deposit Operations 000 Xxxxx Xx. Xxxxxxxx XX 00000, or by telephoning us at 1-800-284-5989, option 1 . You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. AVAILABILITY OF THE SERVICE 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, the software, or circumstances beyond our control. If you are not able to use the Service to make deposits, you may physically mail or deliver your deposits to the Bank through branches or through our ATMs. Deposit of original checks at a branch of the Bank or an ATM shall be governed by the terms and conditions contained in your Bank Account Agreement and not by the terms of this Agreement. The Bank is not responsible for providing an alternate method of mobile deposit if the Service is not available.

Your Duty to Report Errors. The Bank will provide you with periodic statements that will identify the deposits you make through the Service. In addition, you may access the Bank’s Online Banking service for information about your deposits, return items, deposit adjustments, checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Bank and are accurate. Receipt of a Check by the Bank through the Service does not constitute an acknowledgement by the Bank that the Check is error-free or that we will be liable for the Check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Bank Account Agreement. You may notify us by e-mailing us at xxx.xxxxxxxxxxxxx.xxx xxxxxx.xxx, or in writing to Deposit Operations 000 Xxxxx Xx. Xxxxxxxx XX 00000Operations, or by telephoning us at 1618-800426-284-5989, option 1 3303. You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. AVAILABILITY OF THE SERVICE 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, the software, or circumstances beyond our control. If you are not able to use the Service to make deposits, you may physically mail or deliver your deposits to the Bank through branches or through our ATMs. Deposit of original checks at a branch of the Bank or an ATM shall be governed by the terms and conditions contained in your Bank Account Agreement and not by the terms of this Agreement. The Bank is not responsible for providing an alternate method of mobile deposit if the Service is not available.

Your Duty to 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 the Bank’s Online E-Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Bank and are accurate. Receipt of a Check by the Bank through the Service does not constitute an acknowledgement by the Bank that the Check is error-free or that we will be liable for the Check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Bank Account Agreement. You may notify us by e-mailing us at xxx.xxxxxxxxxxxxx.xxx or in writing to Deposit Operations 000 Xxxxx Xx. Xxxxxxxx XX 00000, or by telephoning us at 1-800-284-5989, option 1 . You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall will relieve the Bank of any liability for such error, omission or discrepancy. AVAILABILITY OF THE SERVICE FUNDS AVAILABILITY: “Funds Availability” refers to your ability to use the funds that you deposit into your account through the Service. This funds availability policy only applies to deposits made using the Service. Deposits made at a branch location or ATM remain subject to the funds availability policy outlined in your deposit account agreement. The Service is generally available 7 days a week, 24 hours a day. At certain times funds for the Checks that you deposit through the Service may not be immediately available due to system maintenance or technical difficultiesyou. In order to determine the availability of your funds, including those you will need to determine the date and time that the Checks and all required data and information are received by the Bank. You understand and agree that we will not be deemed to have received a Check deposit through the Service until we notify you via onscreen messaging and/or e-mail that we received the Check deposit. The deposit cut-off time for the Service is 6 PM Central Time (CT). The Bank reserves the right to change the cut-off time in its sole discretion. Such change will be effective immediately and may be implemented before you receive notice of the wireless service provider, the software, or circumstances beyond change. You may contact us at any time to verify our controlcurrent cut-off time. If you complete the scanning and transmission process and receive your deposit receipt, Checks that you deposit before the cut-off time on our business days will be considered as received that same business day. Checks that are received by us through the Service after the cut-off time on a business day, or on any day that is not a business day, will be considered as received by us on the next business day. For purposes of determining when a deposit is received, the Bank’s records will be determinative. Funds from Checks you deposit using the Service will generally be available on the next Business Day after the day the Bank received it. The Bank may delay availability of funds based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as the Bank, in its sole discretion, may deem relevant. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. In general, funds delayed for the above reasons will be available no later than the next Business Day (Monday thru Friday, excluding federal holidays) after the day of your deposit. You agree that it is your responsibility to understand and build into your transmission schedules the appropriate deadlines necessary to meet our funds availability schedule. We are not able to use liable for transactions you initiate before the Service to make depositsfunds are available for your use. Until the funds are made available, you may physically mail not withdraw the funds in cash and we may not use the funds to pay items that you have written or deliver honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you, we may charge a fee for this. Even after the item has “cleared,” we have made funds available to you, and you have withdrawn the funds, you are still responsible for items you deposit that are returned to us unpaid and for any other problems involving your deposits to deposit. STORAGE, SECURITY AND DESTRUCTION OF ORIGINAL CHECKS: You agree that once a Check has been deposited through the Bank through branches or through our ATMs. Deposit of Service, the original checks at a branch Check is your property and not the property of the Bank or an ATM shall be governed by Bank. You will securely store the terms and conditions contained original Check for a reasonable period, not to exceed seven (7) days, after you receive a deposit receipt through the Service that the Check has been accepted. While the original Check is in your Bank Account Agreement possession, you agree to use a high degree of care to safeguard the original Check and not by related files against security risks. Security risks include, without limitation, the terms theft or reproduction of this Agreementthe original Check or unauthorized use of the information on the Check or in the file. The Bank is not responsible for providing an alternate method of mobile deposit if the Service is not available.You will take appropriate security measures to ensure that:

Your Duty to 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 the Bank’s Online E-Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Bank and are accurate. Receipt of a Check by the Bank through the Service does not constitute an acknowledgement by the Bank that the Check is error-free or that we will be liable for the Check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Bank Account Agreement. You may notify us by e-mailing us at xxx.xxxxxxxxxxxxx.xxx or in writing to Deposit Operations 000 Xxxxx Xx. Xxxxxxxx XX 00000, or by telephoning us at 1-800-284-5989, option 1 . You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall relieve the Bank of any liability for such error, omission or discrepancy. AVAILABILITY OF THE SERVICE FUNDS AVAILABILITY: “Funds Availability” refers to your ability to use the funds that you deposit into your account through the Service. This funds availability policy only applies to deposits made using the Service. Deposits made at a branch location or ATM remain subject to the funds availability policy outlined in your deposit account agreement. The Service is generally available 7 days a week, 24 hours a day. At certain times funds for the Checks that you deposit through the Service may not be immediately available due to system maintenance or technical difficultiesyou. In order to determine the availability of your funds, including those you will need to determine the date and time that the Checks and all required data and information are received by the Bank. You understand and agree that we shall not be deemed to have received a Check deposit through the Service until we notify you via onscreen messaging and/or e-mail that we received the Check deposit. The deposit cut-off time for the Service is 6 PM Central Time (CT). The Bank reserves the right to change the cut-off time in its sole discretion. Such change shall be effective immediately and may be implemented before you receive notice of the wireless service provider, the software, or circumstances beyond change. You may contact us at any time to verify our controlcurrent cut-off time. If you complete the scanning and transmission process and receive your deposit receipt, Checks that you deposit before the cut-off time on our business days will be considered as received that same business day. Checks that are received by us through the Service after the cut-off time on a business day, or on any day that is not a business day, will be considered as received by us on the next business day. For purposes of determining when a deposit is received, the Bank’s records shall be determinative. Funds from Checks you deposit using the Service will generally be available on the next Business Day after the day the Bank received it. The Bank may delay availability of funds based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as the Bank, in its sole discretion, deems relevant. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. In general, funds delayed for the above reasons will be available no later than the next Business Day (Monday thru Friday, excluding federal holidays) after the day of your deposit. You agree that it is your responsibility to understand and build into your transmission schedules the appropriate deadlines necessary to meet our funds availability schedule. We are not able to use liable for transactions you initiate before the Service to make depositsfunds are available for your use. Until the funds are made available, you may physically mail not withdraw the funds in cash and we may not use the funds to pay items that you have written or deliver your deposits honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you, we may charge a fee for this. Even after the Bank through branches or through our ATMs. Deposit of original checks at a branch of item has “cleared,” we have made funds available to you, and you have withdrawn the Bank or an ATM shall be governed by the terms and conditions contained in your Bank Account Agreement and not by the terms of this Agreement. The Bank is not funds, you are still responsible for providing an alternate method of mobile items you deposit if the Service is not available.that are returned to us unpaid and for any other problems involving your deposit. STORAGE, SECURITY AND DESTRUCTION OF

Your Duty to 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 the Bank’s Online E-Banking service for information about your deposits, return items, deposit adjustments, checks Checks and other transactions on your accounts. You agree that it is your responsibility to review all such information that the Bank makes available to you in a timely manner to verify that deposits made through the Service have been received and accepted by the Bank and are accurate. Receipt of a Check by the Bank through the Service does not constitute an acknowledgement by the Bank that the Check is error-free or that we will be liable for the Check. You agree to notify us promptly of any errors, omissions, or discrepancies in a deposit within the time periods established in your Bank Account Agreement. You may notify us by e-mailing us at xxx.xxxxxxxxxxxxx.xxx or in writing to Deposit Operations 000 Xxxxx Xx. Xxxxxxxx XX 00000, or by telephoning us at 1-800-284-5989, option 1 . You agree to cooperate in any investigation by the Bank of any unsuccessful or lost transmission. Subject to applicable law, any failure by you to notify the Bank of any error, omission or other discrepancy in accordance with this Agreement and your Bank Account Agreement shall will relieve the Bank of any liability for such error, omission or discrepancy. AVAILABILITY OF THE SERVICE FUNDS AVAILABILITY: “Funds Availability” refers to your ability to use the funds that you deposit into your account through the Service. This funds availability policy only applies to deposits made using the Service. Deposits made at a branch location or ATM remain subject to the funds availability policy outlined in your deposit account agreement. The Service is generally available 7 days a week, 24 hours a day. At certain times funds for the Checks that you deposit through the Service may not be immediately available due to system maintenance or technical difficultiesyou. In order to determine the availability of your funds, including those you will need to determine the date and time that the Checks and all required data and information are received by the Bank. You understand and agree that we will not be deemed to have received a Check deposit through the Service until we notify you via onscreen messaging and/or e-mail that we received the Check deposit. The deposit cut-off time for the Service is 6 PM Central Time (CT). The Bank reserves the right to change the cut-off time in its sole discretion. Such change will be effective immediately and may be implemented before you receive notice of the wireless service provider, the software, or circumstances beyond change. You may contact us at any time to verify our controlcurrent cut-off time. If you complete the scanning and transmission process and receive your deposit receipt, Checks that you deposit before the cut-off time on our business days will be considered as received that same business day. Checks that are received by us through the Service after the cut-off time on a business day, or on any day that is not a business day, will be considered as received by us on the next business day. For purposes of determining when a deposit is received, the Bank’s records will be determinative. Funds from Checks you deposit using the Service will generally be available on the next Business Day after the day the Bank received it. The Bank may delay availability of funds based on such factors as credit worthiness, the length and extent of your relationship with us, transaction and experience information, and such other factors as the Bank, in its sole discretion, may deem relevant. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. In general, funds delayed for the above reasons will be available no later than the next Business Day (Monday thru Friday, excluding federal holidays) after the day of your deposit. You agree that it is your responsibility to understand and build into your transmission schedules the appropriate deadlines necessary to meet our funds availability schedule. We are not able to use liable for transactions you initiate before the Service to make depositsfunds are available for your use. Until the funds are made available, you may physically mail not withdraw the funds in cash and we may not use the funds to pay items that you have written or deliver honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you, we may charge a fee for this. Even after the item has “cleared,” we have made funds available to you, and you have withdrawn the funds, you are still responsible for items you deposit that are returned to us unpaid and for any other problems involving your deposits to deposit. STORAGE, SECURITY AND DESTRUCTION OF ORIGINAL CHECKS: You agree that once a Check has been deposited through the Bank through branches or through our ATMs. Deposit of Service, the original checks at a branch Check is your property and not the property of the Bank or an ATM shall be governed by Bank. You will securely store the terms and conditions contained in your Bank Account Agreement and original Check for a reasonable period, not by the terms of this Agreement. The Bank is not responsible for providing an alternate method of mobile deposit if the Service is not available.to exceed seven