Common use of Check Requirements Clause in Contracts

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signature. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "my signature or the business name if a stamp is being used. It will also include the words “For Directions E- Remote Deposit Only" in addition to my signature. .” The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Further, I understand and agree that I am not permitted to deposit items listed in this Agreement as an “Unacceptable Deposit.” Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account, or any other account (with the same ownership) that I have at GFA Federal Credit Union. Email Email/Mailing Address. I agree to notify you immediately if I change my mailing or email address, as this is . I understand the email address where that I provide to you will send me be used for notification of receipt of remote deposit items. In addition, the mailing address I provide to you will be used for notification of items returned unpaid or other mailings from the GFA Federal Credit Union.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signature. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse the back of the original check. My endorsement will include "my signature and the following information: the words “For Directions E- Mobile Deposit Only" in addition to my signature. only at ALEC.” The scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Credit Union reserves the right to reject any check image that is not clear, skewed, or that is suspicious in any manner. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote mobile deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Check images that are returned for image quality adjustments will have to be submitted in paper to Credit Union upon receipt of notice of such, to be physically reprocessed; they may not be re-scanned. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote mobile deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signaturefull name as written on the front of the check. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I you transmit to you us must accurately and legibly provide all the information on the front and back of the check at the time presented to me you by the drawer. Prior to capturing the original check, I you will indorse endorse the back of the original check. My check with a restrictive endorsement will include "by applying your signature and the legend, “For Directions E- Mobile Deposit Only" in addition to my signature. , Transportation FCU.” The image of the check transmitted to you us must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. association Rejection of Deposit. You We are not liable for any service or late charges levied against me you due to your our rejection of any item. In all cases, I am you are responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me you of transactions you we are unable to process because of returned items. With respect to any item that I you transmit to you us for remote deposit that you we credit to my your Account, in the event such item is dishonored, I you authorize you us to debit the amount of such item plus applicable fees from the Account. Email Address. I You agree to notify you us immediately if I you change my your email address, as this is the email address where you we will send me you notification of receipt of remote mobile deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include my "For Directions E- Deposit Onlymobile deposit only to SWFinancial FCU" in addition to my signature. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being rejected or returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse endorse the back of the original check. My endorsement will include "my signature and the following information: the words, “For Directions E- Deposit Only" in addition to Only at RBFCU”, my signature. Account Number, Date and the words “via Mobile Deposit.” The scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A You will send me a written notice will be sent to me of transactions you that are unable to process because of returned itemsvarious return reasons. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the to my Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt or rejection of remote deposit items.items or any changes to the Services. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or by mailing the original check to RBFCU at P. O. Xxx 0000, Xxxxxxxxx Xxxx, Xxxxx 00000-0000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. I understand that your business days are Monday through Saturday, except holidays. Your business hours for Mobile Deposit are 7:00 a.m. to 7:00 p.m., Central Time, each business day Monday through Friday. Your business hours for Mobile Deposit on Saturday are 8:30 a.m. to 4:15 p.m., Central Time. Funds Availability. With regard to the availability of deposits made using the Services, such funds will be available as set forth in the RBFCU Funds Availability Policy, which is part of the Membership and Account Agreement. Account holder's Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you using the Services:

Check Requirements. Any image of a check that I transmit to you Addition Financial must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing electronically delivering the original check, I will indorse endorse the back of the original check. My endorsement will include my signature and the following information: the words, “For Mobile Deposit Only AFCU” and your correct "For Directions E- Account Number". Members will be instructed through the "Remote Deposit OnlyCapture Services Disclosure and Agreement" in addition to my signaturewrite “scanned” on the front of each check item processed through RDC. The electronic image of the check transmitted to you Addition Financial must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are Addition Financial is not liable for any service or late charges levied against me due to your Addition Financial’s rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A Addition Financial will send me a written notice will be sent to me of transactions you that are unable to process be processed because of returned items. With respect to any item that I transmit to you Addition Financial for remote deposit that you credit is credited to my Account, in the event such item is dishonored, I authorize you Addition Financial to debit the amount of such item the item(s) from the my Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I you transmit to you us must accurately and legibly provide all the information on the front and back of the check at the time presented to me you by the drawer. Prior to capturing the original check, I you will indorse endorse the back of the original check. My Your endorsement will must include "For Directions E- Deposit Only" in addition the signature of all parties to my signature. whom the check is made payable, and the words “Mobile Deposit.” The image of the check transmitted to you us must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You We are not liable for any service or late charges levied against me you due to your our rejection of any item. In all cases, I am you are responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me you of transactions you we are unable to process because of returned items. With respect to any item that I you transmit to you us for remote deposit that you we credit to my your Account, in the event such item is dishonored, I you authorize you us to debit the amount of such item plus any applicable fees from the Account. Email Address. I You agree to notify you us immediately if I you change my your email address, as this is the email address where you we will send me you notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signature(see Exhibit “A”) which is attached hereto and incorporated by this reference. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any check image of a check that I you transmit to you us must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawerpresented. Prior to capturing scanning the original check, I will indorse you must endorse the back of the original check. My The endorsement will include "must include: The words “For Directions E- Deposit Only" in addition to my signature. Only at Bellco FCU – Mobile Deposit” Your Account Number Account type for deposit (checking, savings, or loan) Date of deposit Your signature The image of the scanned check transmitted to you us must accurately and legibly provide, among other things, provide the following informationfollowing: (1) the information identifying the drawer maker of the check (name and address); the paying bank that is preprinted on name of the check, including financial institution; complete and accurate MICR information information; and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will must meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. After we send you a receipt of deposit verification, write “SCANNED” on the front of the check. Rejection of Deposit. You We are not liable for any service or late charges levied against me you due to your rejection of us rejecting any transmitted item. In all cases, I am you are responsible for any loss or overdraft plus any applicable fees charged to my Account your account due to an item being returnedreturned or rejected. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit provided to you should a transaction be returned to us for remote deposit that you credit any reason. You authorize us to my Accountdebit your account for any item, in the event such item which is returned or dishonored, I authorize you to debit the amount of such item from the Accountincluding any applicable fees or charges. Email Address. I You agree to notify you us immediately if I of any change my email in your e-mail address, as this is the email address where you we will send me notification of receipt of remote deposit transmitted items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition the account number to my signaturewhich I am making the deposit, including the share ID and the words SnapDeposit. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or communicate to you regarding any remote deposit items, if necessary. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at Finex Credit Union, 000 Xxxxxxxx Xxxxxx, East Hartford, CT 06108. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours. Finex Credit Unions business days and hours are Monday through Friday, 9:00 am – 5:00 pm, excluding Federal holidays. Finex Credit Union Operating Hours and Contact Information: Monday, Tuesday, Friday 8:00am – 4:30pm Wednesday 9:30am – 4:30pm Thursday 8:00am – 6:00pm Mailing Address: Finex Credit Union 000 Xxxxxxxx Xxxxxx East Hartford, CT 06108 Email address: xxxxxxxxxxxxxx@Xxxxxxx.xxx Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Anaheim, CA. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. YOUR ABILITY TO WITHDRAW FUNDS Our policy is to limit remote deposit check amounts based on risk. Maximum check amount limits will generally range from $500 to $3,000 depending on your risk profile and our internal controls limits set. The first $200 may be available to you on the same day we receive your deposit. Check holds apply on remote deposits over $200. Funds availability will range from a two‐day check hold for the lowest risk profile to a five‐day check hold on the higher risk profiles. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal Holidays. If you make a deposit before 5:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 5:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you will need the funds from deposit right away, submit a request to xxxxxxxxxxx@xxxxxxx.xxx review your situation individually. We may choose to allow that one deposit exception, change the check holds ongoing, or take no action. These determinations and the risk profiles used are at our sole discretion. LONGER DELAYS MAY APPLY In some cases, we will not make all of the funds that you deposit by check available to you on the same day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second (2nd) business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first (1st) business day. If we are not going to make all of the funds from your deposit available on the first (1st) business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as failure of computer or communications equipment. 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. They will generally be available no later than the fifth (5th) business day after the day of your deposit.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse properly endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signaturecheck as required. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Restricted Endorsement Requirement. You agree to restrictively endorse the original paper checks as follows before they are scanned and transmitted for deposit: For Mobile Deposit Only St. Xxxxxx Medical Center FCU Your Account number Your Signature Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft amount plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of any of my transactions that you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the my Account. Email E-mail Address. I agree to notify you immediately if I change my email e-mail address, as this is the email e-mail address where you will send me notification of receipt of remote deposit items. I understand that my failure to notify you in a timely manner of any change to my e-mail address could cause additional costs such as fees to be incurred and I agree that such costs would be my responsibility.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- my signature and the following information: Account Number, Date, and the words “via Deposit Only" in addition to my signature. Anywhere.” The captured image of the check transmitted to you must accurately and legibly provide, among other things, provide the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. BCU reserves the right to reject any check image that is not clear, skewed, or that is suspicious in any manner. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Check images that are returned for image quality adjustments will have to be submitted for physical processing in paper to BCU upon receipt of notice of such; they may not be re- scanned. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signaturesignature and account number. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" be in addition to my signatureaccordance with the payee name. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You I agree that you are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees charged to my Account due to you as a result of an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Accountmy Account(s). Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt or rejection of remote deposit itemsitems and other important notices or information. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to your system maintenance or technical difficulties including those of the Internet service provider, thirdparty service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch offices, shared branches or through your proprietary ownership or CO-OP ATMs, or by mailing the original check to you at: Frontwave Credit Union at, 0000 Xxxxx Xxxxx Xx., Xxxxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. Business Days, Branch Hours and Holidays. I may visit your website at: xxx.xxxxxxxxxxx.xxx or call your Member Solution Center at 0-000-000-0000 for specific Business Days, Branch Hours and Holidays. SPECIAL NOTE: For purposes of the Services, Business Days does not include Saturdays, Sundays or Federal Holidays.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" be in addition to my signatureaccordance with the payee name. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You I agree that you are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees charged to my Account due to you as a result of an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Accountmy Account(s). Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt or rejection of remote deposit itemsitems and other important notices or information. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to your system maintenance or technical difficulties including those of the Internet service provider, thirdparty service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch offices, shared branches or through your proprietary ownership or CO-OP ATMs, or by mailing the original check to you at: Frontwave Credit Union at, 0000 Xxxxx Xxxxx Xx., Xxxxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. Business Days, Branch Hours and Holidays. I may visit your website at: xxx.xxxxxxxxxxx.xxx or call your Member Solution Center at 1-800-736-4500 for specific Business Days, Branch Hours and Holidays.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition the account number to my signaturewhich I am making the deposit, including the share ID and the words EDeposit. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or communicate to you regarding any remote deposit items, if necessary. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution's system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at Infinity Credit Union, 0000 00xx Xxxxxx, Xxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours. The Credit Union's business days and hours are Monday through Friday 8:00am – 5:00pm Eastern, excluding Federal holidays. Contact Information: Infinity CU | 000 Xxxxxxxx Xxxx | Westbrook, ME edeposit @xxxxxxxxxxxxxxxx.xxx | (000) 000-0000 Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Moline, IL. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. For additional information, please refer to the "Important Account Information for our Members". YOUR ABILITY TO WITHDRAW FUNDS: Our general policy is to make funds from your cash and check deposits available to you on the same day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you will have full access to those funds. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal Holidays. If you make a deposit before 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. LONGER DELAYS MAY APPLY: In some cases, we will not make all of the funds that you deposit by check available to you on the same day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second (2nd) business day after the day of your deposit. The first $300 of your deposits, however, may be available on the first (1st) business day. If we are not going to make all of the funds from your deposit available on the first (1st) business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $250,000 on any one day. • You deposit checks totaling more than $325,000 within a 30 day rolling period. • You redeposit a check that has been returned unpaid. • There is an emergency, such as failure of computer or communications equipment. • 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. They will generally be available no later than the fifth (5th) business day after the day of your deposit.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition the account number to my signature. which I am making the deposit, including the share ID and the words “remotely deposited.” The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or communicate to you regarding any remote deposit items., if necessary. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at Xxxxxx First Federal Credit Union, XX Xxx 0000, Xxxxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours. Xxxxxx First Federal Credit Union's business days and hours are Monday through Friday, 9:00 am – 5:00 pm, excluding Federal holidays. Xxxxxx First Federal Credit Union Operating Hours and Contact Information: Fairfield Main Branch M-TH 9:00 am – 5:00 pm 0000 Xxxxx Xxxxxx Xxxxxxxxx XX 00000 F 9:00 am – 6:00 pm Vacaville Branch M-TH 9:00 am – 5:00 pm 000 Xxxxxx Xx Xxxxxxxxx XX 00000 F 9:00 am – 6:00 pm Paradise Valley Branch M-F 10:00 am – 7:00 pm (inside Raley’s) 0000 X. Xxxxx Xx Xxxxxxxxx XX 00000 S 9:00 am – 3:00 pm Mailing Address: XX Xxx 0000 Xxxxxxxxx XX 00000 000-000-0000 or 800-422-6988 xxx.XxxxxxXxxxx.xxx

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include my signature and the following information: For deposit only at floridacentral Credit Union, Account Number, Date and the words "For Directions E- Deposit Only" in addition to my signaturevia Mobile/Remote Deposit". The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the AccountAccount inclusive of the fee to process the return. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "my signature and the following information: Account Number, today’s date and the words “For Directions E- Deposit Only" in addition to my signatureOnly at Infinity Federal Credit Union”. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing imaging the original check, I will indorse endorse the back of the original check. My endorsement will include "my signature and the following information: For Directions E- Deposit Only" in addition to my signature, Date and the words "via Deposzip". The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or by mailing the original check to you at Mutual 1st Federal, 00000 "X" Xxxxxx, Xxxxx 000, Xxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. Your business days are Monday through Friday, except holidays. Your business hours are 8:00 a.m. to 6:00 p.m., Central Time, each business day. Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Omaha, NE. With regard to the availability of deposits made using the Services, such funds will be available as set forth in the funds availability schedule. Internal Controls and Audit. I understand and agree to adhere to the Internal Controls as described in this agreement and further detailed within this section. Accountholder's Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Check Requirements. Any image of a check that I transmit to you PSECU must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, (1) I will indorse properly endorse the back of the original checkcheck as required, and (2) I agree to restrictively endorse any item transmitted through the Service as “FOR MOBILE DEPOSIT ONLY” or as otherwise instructed by PSECU. My endorsement will include "For Directions E- Deposit Only" in addition I agree to my signaturefollow any and all other procedures and instructions for use of the Service as PSECU may establish from time to time. The image of the check transmitted to you PSECU must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are PSECU reserves the right to reject any item transmitted through the Service, at PSECU’s discretion. PSECU is not liable for any service or late charges levied against me due to your PSECU’s rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me for any of my transactions you are that PSECU is unable to process because of returned items. With respect to any item that I transmit to you PSECU for remote deposit that you credit PSECU credits to my Account, in the event such item is dishonored, I authorize you PSECU to debit the amount of such item from the my Account. Email I am responsible for any loss or overdraft amount plus any applicable fees to my Account due to an item being returned. E-mail Address. I agree to notify you PSECU immediately if I change my email e-mail address, as this is the email e-mail address where you PSECU will send me notification of receipt of remote deposit itemsitems and changes to this RDDA, as allowed by law. I understand that my failure to notify PSECU in a timely manner of any change to my e-mail address could cause additional costs such as fees to be incurred and I agree that such costs would be my responsibility.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition the account number to my signaturewhich I am making the deposit, including the share ID. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or communicate to you regarding any remote deposit items, if necessary. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at Wescom Credit Union, XX Xxx 0000, Xxxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours. Wescom Credit Union's business days and hours are Monday through Friday, 9:00 am – 6:00 pm, excluding Federal holidays. Wescom Credit Union Operating Hours and Contact Information: Wescom Branches: 9:00 am – 6:00 pm Monday – Friday 9:00 am – 4:00 pm Saturdays Member Service Center: 7:00 am – 7:00 pm Monday – Friday 9:00 am – 5:00 pm Saturdays Mailing Address: Wescom Credit Union XX Xxx 0000 Xxxxxxxx, XX 00000 Email Address: xxxxxxx@xxxxxx.xxx Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Anaheim, CA. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. YOUR ABILITY TO WITHDRAW FUNDS Our general policy is to make funds from your cash and check deposits available to you on the same day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you will have full access to those funds. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit before 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM before 12:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 12:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. LONGER DELAYS MAY APPLY In some cases, we will not make all of the funds that you deposit by check available to you on the same day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second (2nd) business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first (1st) business day. If we are not going to make all of the funds from your deposit available on the first (1st) business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as failure of computer or communications equipment. 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. They will generally be available no later than the fifth (5th) business day after the day of your deposit.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signaturesignature and my account number. The scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Endorsement of Deposited Items. Checks must be endorsed by the payee on the reverse side of the check in the space nearest the trailing edge of the check. A two-party check that is not endorsed by both parties will not be accepted for deposit. If the check is payable to me or my joint member, either of us can endorse it. If the check is payable to me and my joint member both of us must endorse the check. Third party checks will not be accepted for deposit. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.. Unavailability of Services. I understand and agree that RDC may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or by mailing the original check to you at 0000 Xxxx Xxxxxx Xxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using RDC have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. Your business days are Monday through Friday, except holidays. Your office hours are 9:00 a.m. to 4:00 p.m., Central Standard Time, each business day. Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Abilene, Texas. Deposits presented before 2:00 PM each business day will post on the same day after 4:00 PM. Deposits received after 2:00 PM will be posted the following business day after 4:00 PM. With regard to the availability of deposits made using RDC, funds from check deposits will be available as set forth below. Check Hold Summary RDC Deposits Regular Holds • Local Non-Local Personal, business, payroll, over $200 will be available on the 2nd Business Day • Official, certified, travelers, government checks and Treasury checks over $200 will be available on the Next Business Day. Exception Holds • Repeated Overdrafts or Returned Deposits 7th Business Day • Reasonable Cause to Doubt Collectability 7th Business Day Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing RDC:

Check Requirements. Any The image of a check that I transmit an original item transmitted to you UkrNatFCU using the Service must accurately be legible and legibly provide all must comply with the information on requirements established from time to time by The American National Standards Institute (“ANSI”), National Automated Clearing House Association (“NACHA”), the front and back Board of Governors of the check at the time presented to me by the drawer. Prior to capturing the original checkFederal Reserve Board, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signatureor any other regulatory agency, clearing house or association. The digital image of the check transmitted to you UkrNatFCU must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. If you are unable to capture an accurate image, you may make the deposit at one of our branches. Rejection of Deposit. You are not liable for : We reserve the right to reject any item transmitted through the Service, at our discretion, without liability to you, including any service or late charges levied against me you due to your our rejection of any item. In all cases, I am You are responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned UnpaidWe are not responsible for items we do not receive or for images that are dropped during transmission. A written notice will An image of an item shall be sent to me of transactions deemed received when you are unable to process because of returned itemsreceive a confirmation from UkrNatFCU that we have received the image. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount Receipt of such item from confirmation does not mean that the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit itemstransmission was error free or complete.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "the following: “For Directions E- UHFCU Mobile Deposit Only" in addition to my signature” and your account number. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signaturesignature and my account number. The scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Endorsement of Deposited Items. Checks must be endorsed by the payee on the reverse side of the check in the space nearest the trailing edge of the check. A two-party check that is not endorsed by both parties will not be accepted for deposit. If the check is payable to me or my joint member, either of us can endorse it. If the check is payable to me and my joint member both of us must endorse the check. Third party checks will not be accepted for deposit. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items. Unavailability of RDCS. I understand and agree that RDCS may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that RDCS is unavailable, I acknowledge that I can deposit an original check at your branches or through some of your ATMs or by mailing the original check to you at P. O. Box 1268, Portsmouth, NH 03802-1268. It is my sole responsibility to verify that items deposited using RDCS have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. Your business days are Monday through Friday, except holidays. Your office hours are 8:30 a.m. to 6 p.m., Eastern Standard Time, each business day. Your contact center is available 24 hours a day, 7 days a week at 000-000-0000.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include my signature and the following information: For deposit only at Floridacentral Credit Union, Account Number, Date, and the words "For Directions E- Deposit Only" in addition to my signature. via Mobile/Remote Deposit.” The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the AccountAccount inclusive of the fee to process the return. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include my signature and the following information: Date and the words "For Directions E- Mobile Deposit OnlyOnly at RFCU." in addition to my signature. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signature. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or communicate to you regarding any remote deposit items, if necessary. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or by mailing the original check to you at DFCU, 0000 Xxxxxx Xxx X, Xxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours. DFCU's business days and hours are Monday through Friday, 8:00 am – 5:00 pm, excluding Federal holidays. Mailing Address: Dakotaland Federal Credit Union 0000 Xxxxxx Xxx X Xxxxx, XX 00000 Email address: xxxxxxxx@xxxxxxxxxxxxx.xxx Funds Availability. I understand and agree that, for purposes of deposits made using the Services, with regard to the availability of deposits, such funds will be available as set forth below. DFCU FUNDS AVAILABILITY The following information is provided to help you determine when your funds will be available.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include my signature and the following information: Account Number, Date and the words "For Directions E- Deposit Only" in addition to my signaturedeposit only at GenFed Financial Credit Union, Inc. / via DeposZip". The captured image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Mobile Malware/Spyware and Rogue Apps – Malware and Spyware are also growing threats in the mobile environment. Developed by fraudsters, these Apps are designed to look and feel like legitimate Apps but have nefarious purposes such as capturing account numbers, passwords and other sensitive data. Another form of malware/spyware gaining notoriety are so- called rogue apps. News reports have recently noted instances of rogue Apps being submitted to the various mobile market sites (particularly the Android Market). These apps masquerade as legitimate financial institution apps and trick users into supplying account information in order to perpetrate fraud. We suggest educating yourself about these threats. Many of the same precautions should be taken to protect mobile as for desktop computers. Devices should be password protected and programs should only be downloaded and installed from trusted sources. Cached Check Images – Images captured are only stored on the phone until they complete the submission of their deposit. When a user launches DeposZip Mobile without authenticating themselves through the mobile banking program, they will access the App in ‘offline’ mode. While in offline mode the user is able to snap photos of their check for submission later. In this instance the images that the user has captured are stored within the App until the next time they authenticate and submit the check for deposit. While the program is designed to remove the check image upon submission, It is the end user's responsibility to ensure that no residual image remains on the device and if said image is used for any purpose other than intended, user will hold harmless GenFed Financial Credit Union for any losses incurred. Securing Images on Mobile Devices – When using the mobile deposit product, I understand that check images captured using my mobile device are stored on the device only until the associated deposit has been successfully submitted. I agree to promptly complete each deposit. In the event that I am unable to promptly complete my deposit, I agree to ensure that my mobile device remains securely in my possession until the deposit has been completed or to delete the associated images from the application Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you ECU must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to include: my signature, the account number, the words “via Online Deposit,” the legend: “For Deposit Only at Xxxxxxx Credit Union” and the date. The image of the check transmitted to you ECU must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are Deposit ECU is not liable for any service or late charges levied against me due to your its rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my ECU’s Account due to an item being returned. Items Returned Unpaid. Unpaid A written notice will be sent to me of transactions you are ECU is unable to process because of returned items. With respect to any item that I transmit to you ECU for remote deposit that you credit ECU credits to my Account, in the event such item is dishonored, I authorize you ECU to debit the amount of such any dishonored item from the Account. Email Address. Address I agree to notify you ECU immediately if I change my email address, as this is the email address where you ECU will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "my signature and the following restrictive endorsement: For Directions E- Scient Mobile Deposit Only" in addition to my signature. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. association Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I you transmit to you us must accurately and legibly provide all of the information on the front and back of the check at the time presented to me you by the drawer. Prior to capturing a digital image of the original check, I you will indorse endorse the back of the original check. My endorsement will include "check as follows: For Directions E- BFSFCU Mobile Deposit Only" in addition to my signature; [signature of payee]. The digital image of the check transmitted to you us in digital format must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); (2) the payee of the check and the amount of the check; and (23) other information placed on the check prior to the time an a digital image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. You agree that your responses to prompts throughout each Mobile Check Deposit session are true and correct. The image quality for the check will is required to meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are Deposit – The Credit Union is not liable for any service charges or late charges fees levied against me you due to your our rejection of any item. We are not responsible for items we did not receive or images that may have been dropped during the transmission of the image file to the Credit Union. In all cases, I am you are responsible for any loss or overdraft plus overdraft, in addition to any applicable charges, including those fees to my Account due to an stated on BFSFCU's Fee Schedule, and including the item being returnedreturned unpaid. Items Returned Unpaid. A written notice will be sent Notwithstanding anything to me of transactions you are unable the contrary, the Credit Union reserves the right, within our sole and absolute discretion, to process because of returned items. With respect to accept or reject any item that I transmit to you for remote deposit that you credit to my into your Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "“For Directions E- Remote Deposit Only" in addition Only to my SSFCU Account # and your signature”. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of I may receive communications about my remote deposit items.. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at 000 Xxxx Xxxxxx Xxx, Xxxxxxxxxxxx, Xxxxxxxxx 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours. xxxxx://xxx.xxxxxxxxxxxxxxxx.xxx/about/locations-atms/#mainoffice Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Nashville, TN. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. Deposits before 3:30 p.m. CST on a banking business day are normally available for withdrawal on the third business day after the day of deposit. Checks received after 3:30 p.m. CST or on a day we are not open, may be considered as a deposit made on the next business day. Extended holds may apply. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition the account number to my signaturewhich I am making the deposit, including the words Mobile Check Deposit. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice Notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or communicate to me regarding any remote deposit items., if necessary. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at Foothill Federal Credit Union, XX Xxx 000000, Xxxxxxx, XX 00000-0000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Days and Hours. Please visit xxxxx://xxx.xxxxxxxxxx.xxx/contact-us for a listing of Foothill Federal Credit Unions business days and hours. Or email us at: Email address: xx@xxxxxxxxxx.xxx Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Arcadia, CA. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. YOUR ABILITY TO WITHDRAW FUNDS Your policy is to make funds from my cash and check deposits available to me not later than the first business day after you receive my deposit. Electronic direct deposits will be available on the effective date of the deposit. Once they are available, I can withdraw the funds in cash and you will use the funds to pay checks that I have written. For determining the availability of my deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If I make a deposit before close of business on a business day that you are open, you will consider that day to be the day of your deposit. However, if I make a deposit after close of business or on a day you are not open, I will consider that the deposit was made on the next business day you are open. LONGER DELAYS MAY APPLY In some cases, you will not make all of the funds that I deposit by check available to me on the first business day after my deposit. Depending on the type of check that I deposit, funds may not be available until the second business day after the day of my deposit. The first $300 of my deposit, however, may be available on the first business day. If you are not going to make all the funds from your deposit available on the first business day after your deposit, you will notify me at the time I make the deposit. You will also tell me when the funds will be available. If my deposit is not made directly to one of your employees (for example, at an ATM, Mobile Check Deposit or Night Drop), or if you decide to take this action after I have left the premises, you will mail me the notice by the day after you receive my deposit. If I will need the funds from a deposit right away, I should ask you when the funds will be available. In addition, funds I deposit by check may be delayed for a longer period under the following circumstances:

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include my signature and the following information: Account Number, Date and the words "For Directions E- Snap Deposit Only" in addition to my signature". The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice email notification will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately accu- rately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "my signature and the following information: Date and the words “For Directions E- Deposit Only" in addition to my signature. Mobile De- posit at RFCU.” The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information informa- tion identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signature. signature and the following information: Account Number, Date and the words “via Mobile Deposit.” The scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. FNCU reserves the right to reject any check image that is not clear, skewed, or that is suspicious in any manner. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Check images that are returned for image quality adjustments will have to be submitted in paper to FNCU upon receipt of notice of such, to be physically reprocessed; they may not be re-scanned. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include my signature and the following information: Account Number, date of deposit, and the words "For Directions E- Deposit Only" in addition to my signaturevia Mobile Deposit". The captured image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned itemspay. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" be in addition to my signatureaccordance with the payee name. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You I agree that you are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees charged to my Account due to you as a result of an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Accountmy Account(s). Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt or rejection of remote deposit itemsitems and other important notices or information. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to your system maintenance or technical difficulties including those of the Internet service provider, thirdparty service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch offices, shared branches or through your proprietary ownership or CO-OP ATMs, or by mailing the original check to you at: Frontwave Credit Union at, 0000 Xxxxx Xxxxx Xx., Xxxxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. Business Days, Branch Hours and Holidays. I may visit your website at: xxx.xxxxxxxxxxx.xxx or call your Member Solution Center at 1.800.736.4500 for specific Business Days, Branch Hours and Holidays.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- e-Deposit OnlyOnly at MCFCU," in addition to my signatureMember/Business Name, and Account Number. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. A notification of rejected deposit items will be sent to me. Items Returned Unpaid. A written notice notification will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of rejected remote deposit items.. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to Midwest Community Federal Credit Union's system maintenance or technical difficulties including those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at 00000 X Xxxxx Xxxxx 00, Xxxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Branch Hours:

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will must include "For Directions E- Deposit Only" in addition to my signature, my account number, and “FOR GNO MOBILE DEPOSIT ONLY”. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include my signature and the following information: Account Number, date of deposit, and the words "For Directions E- Deposit Only" in addition to my signaturevia DeposZip". The captured image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned itemspay. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.. Unavailability of DeposZip. I understand and agree that DeposZip may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the cellular service provider and mobile software. In the event that the DeposZip is unavailable, I acknowledge that I can deposit an original check at your branches, Shared Branches, through your ATMs that accept deposits, or by mailing the original check to you at 0000 Xxx Xxxxxx Xxxx Xxxxx, XX 00000. It is my sole responsibility to verify that items deposited using DeposZip have been received and accepted for deposit by you. However, you will notify me of items that are rejected by the next business day following rejection. Business Day. Your business days are Monday through Friday, except Saturday, Sunday, Federal holidays, and Credit Union observed holidays. Credit Union observed holidays are posted at xxxxx.xxx. Funds Availability Disclosure. Determining the availability of a deposit - The length of the delay is counted in business days from the day of your deposit. Check Deposits - Funds from all check deposits will not be available until the second business day after the day of your deposit. The first $200, however, will be made available on the same business day of deposit. I also understand that longer holds may apply if you have a reason the doubt the collectability of an item I deposit. Remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Longer delays may apply - Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • You have had repeated items returned in the last six months. • You have delinquent loan(s). • There is an emergency, such as failure of computer or communications equipment. Funds will generally be available no later than the seventh business day after the day of your deposit. Accountholder's Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing DeposZip:

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing depositing the original check, I will indorse endorse the back of the original check. My endorsement on the back of the original check will include "my signature and my account number and “For Directions E- Remote Deposit Only" in addition to my signature”. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Endorsement of Deposited Items. Checks must be endorsed by the payee on the reverse side of the check in the space nearest the trailing edge of the check. A two-party check that is not endorsed by both parties will not be accepted for deposit. If the check is payable to me or my joint member, either of us can endorse it. If the check is payable to me and my joint member both of us must endorse the check. Third party checks will not be accepted for deposit. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signaturesignature and a restrictive endorsement. The scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Endorsement of Deposited Items. Checks must be endorsed by the payee on the reverse side of the check in the space nearest the trailing edge of the check. A two-party check that is not endorsed by both parties will not be accepted for deposit. If the check is payable to me or my joint member, either of us can endorse it. If the check is payable to me and my joint member both of us must endorse the check. Third party checks will not be accepted for deposit. Rejection of DepositDeposits. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items. Unavailability of RDCS. I understand and agree that RDCS may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that RDCS is unavailable, I acknowledge that I can deposit an original check at your branches or through some of your ATMs or by mailing the original check to you at P. O. Box 1268, Portsmouth, NH 03802-1268. It is my sole responsibility to verify that items deposited using RDCS have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. Your business days are Monday through Friday, except holidays. Your office hours are 8:30 a.m. to 5 p.m., Eastern Standard Time, each business day. Your contact center is available 24 hours a day, 7 days a week at 800-936- 7730.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition the account number to my signaturewhich I am making the deposit, including the share ID and the words EDeposit. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items or communicate to you regarding any remote deposit items, if necessary.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to my signaturethe words Mobile Deposit. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is s preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are I understand that the Credit Union is not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I l am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A written notice I will be sent to me notified of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a paper check that I transmit to you must the original paper check, and must accurately and legibly provide all the information on the front and the back of the paper check that was present at the time the original paper check was presented to me by the drawer. Prior to capturing the original paper check, I will indorse the back of the original paper check. My endorsement will include "For Directions E- Deposit Only" in addition to my signature. signature and the following information:  Account number  Today’s date  The words “Mobile Capture” The image of the original paper check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the original paper check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the original paper check prior to the time an image of the original paper check is captured, such as any required identification written on the front of the original paper check and any endorsements applied to the back of the original paper check. The image quality for the original paper check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to immediately notify you immediately if I change my email address, as this is the email address where I provide at the time I submit my Application to you is the only email address you will use to send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the image of the original check, I will indorse endorse the back of the original check. My endorsement will include "my signature and the following information: the words “For Directions E- Mobile Deposit Only" in addition to my signatureOnly NY TEAM FCU Account #: ”. The captured image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. : You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. : A written notice will be sent emailed to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. : I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.. Unavailability of Services: I understand and agree that the Services may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider, Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or by mailing the original check to you at NY TEAM Federal Credit Union, 00 Xxxxxxxx Xxxxxxxxxx, XX 00000. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure: Your business days are Monday through Friday, except holidays. Your business hours are 9:00 a.m. to 4:00 p.m., Eastern Standard Time, each business day. Funds Availability: Funds from these deposits will be available no later than the second (2nd) business day after the day we receive your deposit. Additional delays may occur on a case-by-case basis. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and Federal Holidays (see our business hours above). The Expedited “Funds Availability” Act (Reg. CC) does not apply to deposits made using the Service, thus for determining funds availability, the terms of this agreement apply. If you need the funds from deposits made available sooner than provided under the Service, please contact us at 000-000-0000 or visit us at one of our branches to discuss options that may be available to you. Accountholder's Warranties: I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Check Requirements. Any image of a check that I transmit to you ECU must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse endorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition to include: my signature, the member number, the words “For Mobile/Online Deposit at ECU or Xxxxxxx Credit Union”. The image of the check transmitted to you ECU must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are Deposit ECU is not liable for any service or late charges levied against me due to your its rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my ECU’s Account due to an item being returned. Items Returned Unpaid. Unpaid A written notice will be sent to me of transactions you are ECU is unable to process because of returned items. With respect to any item that I transmit to you ECU for remote deposit that you credit ECU credits to my Account, in the event such item is dishonored, I authorize you ECU to debit the amount of such any dishonored item from the Account. Email Address. Address I agree to notify you ECU immediately if I change my email address, as this is the email address where you ECU will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing the original check, I will indorse the back of the original check. My endorsement will include "For Directions E- Deposit Only" in addition “for remote deposit only” and I understand that the credit union has the right to my signaturereject any check images without this endorsement. The image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my your Account due to an item being returned. Items Returned Unpaid. A written notice will be sent to me of transactions you are unable to process because of returned items. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt of remote deposit items.

Check Requirements. Any image of a check that I transmit to you must accurately and legibly provide all the information on the front and back of the check at the time presented to me by the drawer. Prior to capturing scanning the original check, I will indorse endorse the back of the original check. My endorsement will include "my signature and the following information: the words, “For Directions E- Deposit Only" in addition to Only at RBFCU”, my signature. Account Number, Date and the words “via Mobile Deposit.” The scanned image of the check transmitted to you must accurately and legibly provide, among other things, the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) other information placed on the check prior to the time an image of the check is captured, such as any required identification written on the front of the check and any endorsements applied to the back of the check. The image quality for the check will meet the standards for image quality established by the American National Standards Institute ("“ANSI"”), the Board of Governors of the Federal Reserve, and any other regulatory agency, clearing house or association. Rejection of Deposit. You are not liable for any service or late charges levied against me due to your rejection of any item. In all cases, I am responsible for any loss or overdraft plus any applicable fees to my Account due to an item being returned. Items Returned Unpaid. A You will send me a written notice will be sent to me of transactions you that are unable to process because of returned itemsvarious return reasons. With respect to any item that I transmit to you for remote deposit that you credit to my Account, in the event such item is dishonored, I authorize you to debit the amount of such item from the to my Account. Email Address. I agree to notify you immediately if I change my email address, as this is the email address where you will send me notification of receipt or rejection of remote deposit items.items or any changes to the Services. Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or by mailing the original check to RBFCU at P. O. Box 2097, Universal City, Texas 78148-2097. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. I understand that your business days are Monday through Saturday, except holidays. Your business hours for Mobile Deposit are 7:00 a.m. to 7:00 p.m., Central Time, each business day Monday through Friday. Your business hours for Mobile Deposit on Saturday are 8:30 a.m. to 4:15 p.m., Central Time. Funds Availability. With regard to the availability of deposits made using the Services, such funds will be available as set forth in the RBFCU Funds Availability Policy, which is part of the Membership and Account Agreement. Account holder's Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you using the Services: