Common use of Credit to Your Account Clause in Contracts

Credit to Your Account. If you do not have an Apple Cash account that is active and in good standing, or any attempted transfer to your Apple Cash account fails for any reason, we will not make Automatic Transfers of your Daily Cash, and any Daily Cash you earn will accrue without Automatic Transfer. • If you have an accrued but unredeemed Daily Cash balance, you can redeem all of your accrued but unredeemed Daily Cash as a credit to your Account. Daily Cash redemptions as a credit to your Account are considered payments. • If you later establish an Apple Cash account that is active and in good standing, then any accrued but unredeemed Daily Cash balance will be transferred to your Apple Cash account no later than your next posted Purchase Transaction, and Automatic Transfers will begin with your next posted Purchase Transaction. If you have an accrued but unredeemed Daily Cash balance at the time your Account is closed, we will automatically apply that balance as a credit to your Account, unless prohibited by law, in which case we will pay you the amount of the Daily Cash balance via electronic funds transfer or by sending you a check. DAILY CASH OF CO-OWNERS AND PARTICIPANTS Daily Cash earned on your Account belongs to you. However, if your Account is a Co-Owned Account and/or if there are any Participants on your Account, you hereby request that we make your Daily Cash available to the individual whose Card was used to make the Purchase Transaction(s) that earned Daily Cash. For example, if a Participant has an Apple Cash account that is active and in good standing, we will transfer Daily Cash earned on Purchase Transactions made with that Participant’s Card to that Participant’s Apple Cash account, on your behalf. If a Participant is under the age of 18, Daily Cash may be transferred to an Apple Cash account established on their behalf by a parent or guardian. If a Participant does not have an Apple Cash account that is active and in good standing, Daily Cash will accrue and may be redeemed by you or the Participant as a credit to your Account by contacting us.

Credit to Your Account. If you do not have an Apple active Daily Cash account that is active and Election in good standing, or any attempted transfer to your Apple Daily Cash account fails for any reasonElection fails, we will not make Automatic Transfers of your Daily Cash. However, and any the Daily Cash you earn will accrue without Automatic Transferstill accrue. • If you have an accrued but unredeemed Daily Cash balance, you can redeem all of your accrued but unredeemed that Daily Cash as a credit to your Account. Daily Cash redemptions as , which is considered a credit to your Account are considered paymentspayment. • If you later establish an Apple a Daily Cash account Election that is active and in good standing, then any accrued but unredeemed Daily Cash balance will be transferred to your Apple Daily Cash account no later than your next posted Purchase Transaction, and Election. Automatic Transfers will begin with your next posted Purchase Transaction. If you have an accrued but unredeemed Daily Cash balance at the time your Account is closed, we will automatically apply that balance as a credit to your Account, unless prohibited by law, in which case we . We will pay you the amount of the Daily Cash balance via electronic funds transfer or by sending you a checkcheck if we are unable to apply it as an Account credit. DAILY CASH OF CO-OWNERS AND PARTICIPANTS Daily Cash earned on your Account belongs to you. However, if your Account is a Co-Owned Account and/or if there are any Participants on your Account, you hereby request that we make your Daily Cash available to the individual whose Card was used to make the Purchase Transaction(s) that earned Daily Cash. For example, if a Participant has an Apple Cash account that is active and in good standing, we will transfer Daily Cash earned on Purchase Transactions made with that Participant’s Card to that Participant’s Apple Cash account, on your behalf. If a Participant is under the age of 18, Daily Cash may be transferred to an Apple Cash account established on their behalf by a parent or guardian. If a Participant does not have an Apple Cash account that is active and in good standing, Daily Cash will accrue and may be redeemed by you or the Participant as a credit to your Account by contacting us. Daily Cash Elections that are available to owners or Co-Owners may not be available to Participants.

Credit to Your Account. If you do not You acknowledge that we have an Apple Cash account that is active established Business Days and in good standingcutoff times for the processing of mobile deposits, or any attempted transfer and those days and times may be periodically changed by us without prior written notice. Cutoff time information can be found at xxx.xxxxxxxxxxxx.xxx. Once your deposit has been accepted, funds from the mobile check deposit will generally be credited to your Apple Cash account fails by the end of the business day we receive your deposit, if received prior to the cutoff time established by us. Mobile deposit check images received by us after our established cutoff time or on non-business days will not be available for credit to your account until the next business day. Deposits made through Landmark National Bank Mobile Deposit are not subject to our Landmark National Bank’s Funds Availability Policy. We reserve the right to hold funds from deposits submitted using the Services until final collection. In the case that we delay the availability of your deposit, the funds will generally be available by the ninth business day after the deposit. Returned Deposits. As with any non-cash deposit, checks deposited using Landmark National Bank Mobile Deposit are subject to final funds collection from the payor bank. If an original check deposited through Landmark National Bank Mobile Deposit is dishonored, rejected or otherwise returned unpaid for any reason, we will charge the deposit amount back to your account. Returned item fees will apply as disclosed in your Miscellaneous Fee Schedule. You understand and agree, since the original check is your property, the check will not make Automatic Transfers be returned and the Bank may charge back an image of the check, an ACH debit, or other electronic or paper debit, as applicable, to your Daily Cashaccount. You further agree that any image that we charge back may be in the form of an electronic or paper reproduction of the original check or a substitute check. You may not use the Service to deposit a substitute check and you may not deposit the original check through the service or in any other manner if you receive a dishonored check. You may be able to negotiate a returned substitute item in person, and should speak to a customer service representative at any Daily Cash of our branches if you earn will accrue without Automatic Transferrequire such assistance. • If you have an accrued but unredeemed Daily Cash balance, you can redeem all of your accrued but unredeemed Daily Cash as a credit to your Account. Daily Cash redemptions as a credit to In accordance with this Agreement and your Account are considered payments. • If you later establish an Apple Cash account that is active and in good standingAgreement, then any accrued but unredeemed Daily Cash balance will be transferred Landmark National Bank reserves the right to your Apple Cash account no later than your next posted Purchase Transaction, and Automatic Transfers will begin with your next posted Purchase Transaction. If you have an accrued but unredeemed Daily Cash balance at the time your Account is closed, we will automatically apply that balance as a credit to your Account, unless prohibited by law, in which case we will pay you “setoff” the amount of the Daily Cash balance via electronic returned item and any applicable fees with funds transfer from any Landmark National Bank account held by you. As with any returned item, you will be responsible for reimbursing us for all loss, cost, damage or expense caused by sending or relating to the processing of the returned item. You agree to comply with any additional instructions we may provide to you in connection with returned checks. Original Checks. After you’ve confirmed that the deposit has been credited to your account, you must securely store the original check for thirty (30) days after transmission to us and make the original check accessible to us at our request. We may request to view the original check for a variety of reasons, such as we have concerns with the accuracy or validity of the image. Upon our request, and within five (5) business days, you must deliver to us, at your expense, the original check. DAILY CASH OF CO-OWNERS AND PARTICIPANTS Daily Cash earned on If you do not provide the original check in a timely manner, the deposit in question will be reversed from your Account belongs to youaccount. However, if your Account is a Co-Owned Account and/or if there are any Participants on your AccountAt the end of this thirty (30) day period, you hereby request must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that we make your Daily Cash available to you will never re-present the individual whose Card was used to make original check. You understand that you are responsible if the Purchase Transaction(s) that earned Daily Cash. For example, if a Participant has an Apple Cash account that original check is active and in good standing, we will transfer Daily Cash earned on Purchase Transactions made with that Participant’s Card to that Participant’s Apple Cash account, on your behalf. If a Participant is under the age of 18, Daily Cash may be transferred to an Apple Cash account established on their behalf by a parent or guardian. If a Participant does not have an Apple Cash account that is active and in good standing, Daily Cash will accrue and may be redeemed by you or the Participant as a credit to your Account by contacting usever presented again for payment.