Common use of Receipt of Deposit Clause in Contracts

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will only notify you only if a deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application does not mean that the image is free of errors or will be accepted for deposit. We are not responsible for any image we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the original check is ever presented again for payment.

Receipt of Deposit. All images Images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current the Account Agreement with us and will be subject to all terms of the Account this Agreement. When we receive an imageImage, we will only notify attempt to confirm receipt via a confirmation email to you only if a you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit is rejecteduntil we have confirmed receipt. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free Image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of errors warranties, and any other loss sustained by, or will be accepted claim made against us. We shall have no liability to you for depositthe rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any image Image that we do not receive. Following receipt, we may process the image Image by preparing a “substitute check” or using clearing the image to clear the itemitem as an Image. We reserve the right right, in our sole and absolute discretion, to reject any Image for remote deposit made through HBNA into your Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretionDeposit Account. We will notify you of rejected imagesImages by phone, email or other means. Reasons for rejection may include any Retention of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checksChecks. After you receive confirmation that we have received an imageImage, we recommend you must securely store the original check Item 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 dayscalendar days from the date of Image transmission. Upon our request from time to time, you must will deliver to us, at us the requested Check in your expense, the original checkpossession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your accountMobile Deposit Account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check 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 checka Check, the image Image will be the sole evidence of the original checkCheck. We recommend destroying each Item of which you have transmitted an Image after 14 days. You agree that you will never re-deposit the Check or present the original checkCheck to us or anyone else for payment. You understand that you are responsible if the original check anyone is ever presented again for paymentasked to make a payment based on a Check that has already been paid.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “depositsdepos- its” under your current Account Agreement with us and will be subject to all terms of the Account AgreementAgree- ment. When we receive an image, we will only notify you only if a confirm receipt via email to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for mobile deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you via email of rejected images. Reasons for rejection may include any of images to the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejectedcurrent email address we have on record with your Online Banking account. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 calendar 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 daysIf requested, you must will deliver to usus within 10 calendar days, at your expense, the re- quested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed re- versed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying destroy 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 you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned un- paid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or elec- tronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all appli- cable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system mainte- xxxxx or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our ATMs. Funds Availability. Mobile deposits confirmed as received before 7 pm EST will be credited to your account on the same business day. Mobile Deposits confirmed as received after 7 pm EST or on holidays or days that are not business days will be credited to your account on the following business day. Funds from items deposited through Mobile Deposit will be available on the second business day after the day of your deposit. The credit union reserves the right to extend the hold on funds deposited via Mobile Deposit at any time.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:00 p.m. Eastern Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-off time information is available at xxxxx://xxx.xxxxxxxxxxxxx.xxx. or by calling the Bank as set forth in Section 10.6. When we receive an image, we will only notify confirm that you only if have submitted the image via a deposit is rejectedmessage displayed on your Mobile Device. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Your submission confirmation does not mean that the image is free of contains no errors or that it has been approved for crediting. A status of "pending" does not indicate that the submitted item has been accepted. You will be accepted for depositnot receive a subsequent notification that a submitted image has been credited to your Account. We are not responsible for any image we do not receive. Following receiptYou agree that Bank has no obligation to accept a Mobile Deposit and, therefore, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made Mobile Deposit or the Images or other information contained therein transmitted through HBNA this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for any rejected submissions and contact the Bank to address the reason for such rejection. You acknowledge and agree that Bank shall have no liability to you for failing to provide notice of rejection of a Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the original checkImages or other information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if the original check is ever presented again for paymentintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Check Deposit will be treated as “"deposits” " under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an image, we will only notify you only if confirm receipt through a notification in the app. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “"substitute check” " or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for mobile check deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 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 daysrequest from time to time, you must will deliver to usus within 5 days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check, or present a second image of the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Check Deposit is provisional. If original checks deposited through Mobile Check Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You are not in knowledge of the fact that a stop payment exists against the check. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit theoriginal check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Check Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Check Deposit Unavailability. Mobile Check Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Check Deposit is unavailable, you may deposit original checks at our branches or by mailing the original check to: Capital Credit Union, XX Xxx 0000, Xxxxx Xxx XX 00000-0000. Funds Availability. For purposes of funds availability, mobile check deposits are processed at the Xxxxxx Corporate Office of Capital Credit Union, 000 Xxxxxx Xxx. Green Bay, WI 54304. Mobile check deposits confirmed as received before 4 PM Central Time on a business day will be credited to your account on the same business day. Deposits confirmed received after 4 PM and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the next business day after the deposit is made. A longer delay in crediting your account may take place if Capital deems the delay is warranted (collectability or legitimacy questions, etc.) You will be notified should longer delays apply. Business Days. Our business days are Monday through Friday, except holidays. Mobile Check Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone to (000)000-0000 or (000)000- 0000 with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit We will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When send an email when we receive an image, we will only notify you only if a image for deposit is rejectedto your account. To confirm acceptance of a mobile deposit, please log into You agree to verify that your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is deposits have been correctly posted to your account at the end each day and to notify us immediately of any discrepancy. You should electronically store or print a copy of the business dayemail confirmation for your records. Acceptance within the HBNA Mobile Deposit application does If you do not receive a confirmation, it may mean that we did not receive your transmission or that there was a problem with some of the image information. If check information received by us is free of errors or will be accepted for deposit. We are not responsible complete and otherwise usable for any image reason, we do not receivemay reject the deposit, notwithstanding any confirmation by us of its receipt, and charge the amount back against any provisional credit to your account. Following receipt, we may process the image by preparing a paper “substitute check” or using clearing the image to clear the itemitem electronically. We reserve the right may refuse any check for deposit, with or without cause, or may elect to reject any deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of take a check may be rejectedon a collection basis only. Please see your account agreement for other terms related to deposits. • Your Responsibility. You are responsible if you, intentionally or unintentionally, submit incorrect, duplicate or illegible images to us or if the Service is used by authorized or unauthorized persons to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us. • Original checksChecks. After you receive confirmation that we have successfully received an image, 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 not more than 14 days, at which time you must deliver to usthoroughly destroy it (e.g., at your expense, the original check. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying cutting it by cross-cut shredding or another commercially acceptable means of destructioninto small pieces). After destruction of an original checkAt our request, the image will be the sole evidence of you must provide us with the original checkcheck (if it is still in your possession) or a legible copy within five business days. If you fail to do so, we may reverse the amount from your account. You agree that you will never re-present the original check. You understand that you are responsible if negotiate, deliver, transfer, present, or deposit the original check (or a copy) once it is ever presented again for paymentprocessed by us. You agree to indemnify and hold us harmless if anyone is asked to make a payment based on an original check that has already been paid (or any copy or other reproduction of that check).

Receipt of Deposit. All images Images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current the Account Agreement with us and will be subject to all terms of the Account this Agreement. When we receive an imageImage, we will only notify attempt to confirm receipt via a confirmation email to you only if a you have elected this option and provided us with your email address when you make the deposit. We shall not be deemed to have received the Image for deposit is rejecteduntil we have confirmed receipt. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free Image contains no errors. Notwithstanding the fact that we have accepted a Mobile Deposit for processing, any credit made to your Mobile Deposit Account shall be provisional, and you shall remain liable to us for any errors, inaccuracies, breach of errors warranties and any other loss sustained by, or will be accepted claim made against us. We shall have no liability to you for depositthe rejection of a Mobile Deposit or the Images or other information contained therein or for our failure to notify you of such rejection. We are not responsible for any image Image that we do not receive. Following receipt, we may process the image Image by preparing a “substitute check” or using clearing the image to clear the itemitem as an Image. We reserve the right right, at our sole and absolute discretion, to reject any Image for remote deposit made through HBNA into your Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretionDeposit Account. We will notify you of rejected imagesImages by phone, email or other means. Reasons for rejection may include any Retention of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checksChecks. After you receive confirmation that we have received an imageImage, you must securely store the original check Check for thirty (30) 3 days after transmission to us and make the original check Check accessible to us at our request. We may request recommend storing up to view the original check for a variety of reasons, such as we have concerns with the accuracy or validity of the image14 days. Upon our request, and within five (5) business daysrequest from time to time, you must will deliver to usus within two (2) Business Days, at your expense, the original checkrequested Check in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your accountMobile Deposit Account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check 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 checkCheck, the image Image will be the sole evidence of the original checkCheck. You agree that you will never re-deposit the Check or present the original checkCheck to us or anyone else for payment. You understand that you are responsible if the original check anyone is ever presented again for paymentasked to make a payment based on a Check that has already been paid.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will only notify you only if a deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application does not mean that the image is free of errors or will be accepted for deposit. We are not responsible for any image we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made item transmitted through HBNA Mobile Depositthe Services, which fails at our discretion, without liability to satisfy any of our processing requirements, as determined by us in our sole discretionus. We will notify you of rejected imagesare not responsible for items we do not receive or for images that are dropped during transmission. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an An image of a check may an item shall be rejected. Original checks. After deemed received when you receive a confirmation from the Credit Union that we have received the image. Receipt of such confirmation does not mean that the transmission was error free, complete or will be considered a deposit and credited to your account. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an imageeligible item. You agree that we are not liable for any loss, costs, or fees you may incur as a result of our charge back of an ineligible item. AVAILABILITY OF FUNDS: You agree that items transmitted using Remote Deposit are not subject to the funds availability requirements of Federal Reserve Board Regulation CC. You understand that for the purpose of deposit using this service, the place of deposit is Erie, PA. In general, if an image of an item you transmit is received and accepted before 4 PM EST, Monday through Friday, we will consider that the day of deposit. Otherwise, we will consider the deposit was made on the next business day that we are open. Generally, funds will be made available in three business days from the date of deposit. The Credit Union may make such funds available sooner based on such factors as creditworthiness, length and extent of relationship with us and such factors the Credit Union, in its sole discretion, deems relevant. CHECK RETENTION: Once the check has been credited to your account, you must securely store the original check for thirty (30) days after transmission thirty calendar days. After (30) thirty days, you agree to destroy the check that you transmitted by marking it “VOID” and disposing of the item(s) in a way that will prevent them from being represented for payment. From time to time we may request that you provide us and the original check. You must 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 available to us, at your expense, the original check. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the original check is ever presented again for payment.within

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “"deposits” " under your current Account Agreement with us and will be subject to all terms of the Account Agreement, unless otherwise stated herein. When we receive an image, if notification option is selected, we will only notify you only if a can confirm receipt via email at time of deposit. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains zero errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “"substitute check” " or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. : After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 calendar days after transmission to us such confirmation and make the original check accessible to us at our request. We During these 60 days, 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 will deliver to us, within 10 calendar days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At Promptly after the end of this thirty (30) day period60 days expire, you must destroy the original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the anyone is asked to make a payment based on an original check is ever presented again for paymentthat has already been paid.

Receipt of Deposit. All Electronic Images shall be deemed received by us for deposit based upon time of receipt as well as successful receipt of Electronic Images that are complete, usable, and adhere to the standards discussed above. If any Electronic Image is not complete, is not usable, or does not adhere to the Standards, the Electronic Image may not be processed by us, in which event your deposit will be adjusted and notification provided. You understand we will process only your Electronic Images that comply with the standards discussed above and are Sufficient Image Copies, and we will use commercially reasonable efforts to present these Sufficient Image Copies for collection under the Check 21 framework. The daily cut-off time for Mobile Deposit Services deposits is 5:00 p.m. CST. Such daily cut-off times may be adjusted by R Bank in its sole discretion from time to time upon notice to you. If the deposits are not received by the end-of-day cutoff time, R Bank will not guarantee that deposits will be processed that day. R Bank may accept these deposits and they will be processed on R Bank’s next Business Day. R Bank shall give provisional credit for deposits subject to revocation of credit for deposits as provided in Regulation CC and the Uniform Commercial Code. The availability of funds for deposits via the Services is set forth in this Agreement. In general all images processed for deposit through HBNA Mobile Deposit Services will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When Any confirmation from us that we receive an image, we will only notify you only if a deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The have received the image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. We reserve the right to reject any item transmitted through the Services, at our discretion, without liability to you. We will notify you of rejected images via email. We are not responsible for items we do not receive or for images that are dropped during transmission. We further reserve the right to charge back to your account at any time, any item that we subsequently determine was not an eligible item. You agree that the Bank is not liable for any loss, costs, or fees you may incur as a result of our chargeback of an ineligible item. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right to reject any deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only Retention and is not a list of all of the reasons that an image of a check may be rejected. Security Of Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 30 calendar 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 daysrequest from time to time, you must will deliver to usus within 3 calendar days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destructiondestruction that renders the original check unusable or otherwise unreadable. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit Services are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. User Warranties. You make the following warranties and representations with respect to each image: • You will only transmit eligible items. • You will not re-deposit or re-present the original item. • You will comply with this Agreement and all applicable rules, laws, and regulations. • You are not aware of any factor which may impair the collectability of the item. • You agree to indemnify and hold harmless R Bank from any loss for breach of this warranty provision. • Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations, including the sanctions laws administered by OFAC and the Bank Secrecy Act.

Receipt of Deposit. All images Images processed for deposit through HBNA Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 3:00 p.m. C.S.T. or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the Cut-Off Time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-Off Time information is available by calling the Online Banking Department (see Article X, Section E). When we receive an imageImage, we will only notify confirm that you only if have submitted the Image via a deposit is rejectedmessage displayed on your Mobile Device. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Your submission confirmation does not mean that the image is free of Image contains no errors or that it has been approved for crediting. A status of "pending" does not indicate that the submitted item has been accepted. You will be accepted for depositnot receive a subsequent notification that a submitted Image has been credited to your Account. We are not responsible for any image we do not receive. Following receiptYou agree that Bank has no obligation to accept a Mobile Deposit and, therefore, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made Mobile Deposit or the Images or other information contained therein transmitted through HBNA this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for any rejected submissions and contact the Bank to address the reason for such rejection. You acknowledge and agree that Bank shall have no liability to you for failing to provide notice of rejection of a Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the original checkImages or other information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if the original check is ever presented again for paymentintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via e-mail to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 days after transmission to us and make the original check accessible to us at our request. We may request to view In the event 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 daysis requested, you must deliver make the original paper check available to usTower, at your expenseexpense or in person, the original checkwithin 5 business days. If you do not provide fail to produce the original check in a timely mannerwithin 5 business days of our request during the 60-day period, you authorize Tower to deduct the deposit amount in question will be reversed from your account, regardless of whether such deduction may result in a negative balance, and to pay any associated fees. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original origi- nal check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check is ever presented again and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for paymentall loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “depositsMobile Deposits” under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via email to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any deposit made through HBNA image for Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretionDeposit into your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 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 requestrequest from time to time, and you will deliver to us within five (5) 5 business days, you must deliver to us, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image:  Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches, at CO-OP Deposit taking ATMs, or by mailing the original check to: Pittsford FCU, XX Xxx 000, Xxxxxx XX, 00000. Funds Availability. For purposes of funds availability, Mobile Deposits are made in Mendon NY. For Mobile Deposits confirmed as received before 2:00 PM EST on a business day that we are open, we will consider that day to be the day of your deposit and will be credited to your account the same day. However, for Mobile Deposits confirmed as received after 2:00 PM EST and confirmed received on holidays or days we are not open, we will consider that the deposit was made on the next business day we are open and will be credited to your account the following business day. Up to $2,500 of Mobile Deposit(s) will be made available on the business day we receive and accept your deposit. Mobile Deposit(s) in excess of $2,500 will be held for five business days and will be available on the sixth business day after we receive and accept your deposit. Longer delays may apply if:  We believe that 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 previous six months  There is an emergency, such as failure of computer or communications equipment Business Days. Our business days are Monday - Friday, except holidays. Mobile Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. You will notify us immediately by telephone to 000-000-0000 with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. Your Responsibility. You are solely responsible for the quality, completeness, accuracy, validity and integrity of the image. You are solely responsible if you, intentionally or unintentionally, submit fraudulent, incorrect or illegible images to us or if Mobile Deposit is used, by authorized or unauthorized persons, to submit fraudulent, unauthorized, inaccurate, incorrect or otherwise improper or unusable images to us. In addition you agree that you will not modify, change, alter, translate, create derivative works from, reverse engineer, disassemble or decompile the technology or Service, copy or reproduce all or any part of the technology or Service; or interfere, or attempt to interfere, with the technology or Service. We and our technology partners, inclusive of, but not limited to, Intuit, Inc. and Vertifi Software, LLC, retain all rights, title and interests in and to the Services, Software and Development made available to you.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit PFCU eDeposit will be treated as “deposits” under your current Account Agreement PFCU Agreements and Disclosures with us and will be subject to all terms of the Account AgreementAgreements and Disclosures. When we receive an Upon receipt of the digital image, we will only notify you only if review the image for acceptability and will convert items meeting our requirements into substitute checks to facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a deposit is rejected. To confirm acceptance digital image of a mobile depositcheck does not constitute receipt by the Credit Union. Confirmation of our receipt of your deposit can be verified by email, please log into if you choose to receive an email confirmation, or by viewing your account using Heritage Bank’s online banking after 8:00 pm central timein Online Banking. The We shall not be deemed to have received the image is not deemed “received” by us for deposit until it the image is posted to your account at account. You understand that, in the end event you receive a notification from us confirming receipt of the business day. Acceptance within the HBNA Mobile Deposit application an image, such notification does not mean that the image is free of contains no errors or will be accepted that we are responsible for depositany information you transmit to us. We are not responsible for any image that we do not receive. Following receiptreceipt of the image, we may process the image by preparing a “substitute check.” or using Notwithstanding anything to the image to clear the item. We contrary, we reserve the right right, within our sole and absolute discretion, to accept or reject any item for remote deposit made through HBNA Mobile Depositinto your account and, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons the event we reject an item for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an imageremote deposit, you must securely store the original check for thirty (30) days after transmission to us understand 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present must deposit the original checkitem. You understand and agree that even if we do not initially reject an item you deposit through PFCU eDeposit, we may return the substitute check we created because, among other reasons, the paying bank deems the electronic image illegible. Our failure to reject such an item shall not limit your liability to us. We are not liable for any service or late charges levied against you due to our rejection of any item. In all cases, you are responsible if the original check is ever presented again for paymentany loss or overdraft plus any applicable fees to your account due to an item being returned.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current the Membership and Account Agreement and/or the Business Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement and/or the Business Membership and Account Agreement. When we receive you successfully submit an image, we will only notify image you only if a deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at can check the end status of the business day. Acceptance image within the HBNA Mobile Deposit application App. Status pending means the item is under review, accepted means the item will be processed, and rejected means the item was rejected and a reason will be provided. We shall not be deemed to have received the image for deposit until we have confirmed receipt through the Mobile App to you. Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. We cannot re-process an image that has been deleted. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify may email you a notification of your rejected images, providing we have a current email address for you on file. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list It is a list of examples only your responsibility to make sure your email and other contact information is not a list of all of the reasons that an image of a check may be rejectedcurrent. Original checks. checks After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) at least 30 calendar 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 daysrequest from time to time, you must will deliver to usus within 10 calendar days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. In any case of the above mentioned a service fee for the return deposit may be assessed to your account, see the Service Charges and Fee Schedule We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image: • Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our offices. Funds Availability Mobile Deposits confirmed as received before close of business will be credited to your account within two business days with the first $2,000 of the daily total deposit available. Xxxxxxxx confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within two business days of the following business day. Mobile Deposits on new accounts opened less than 30 days confirmed as received before close of business will be credited to your account within five business day with the first $225 of the daily total deposit available. Deposits on new accounts opened less than 30 days confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within five business days of the following business day. Some items during processing hours may qualify for automatic posting to your account resulting in funds made available sooner to you. Items that do not qualify for automatic posting can include but are not limited to: check deposit limits, duplicate submissions, invalid account number format, poor image quality, or dollar amount discrepancies. For business accounts on WESTconsin Business Connect mobile deposit confirmed as received before close of business will be credited to your account up to $45,000.00 with the deposit amount over $45,000.00 deposited within two business days. Xxxxxxxx confirmed received after close of business day, on holidays or day that are not considered business days will be credited to your account within two business days of the following business day. All accounts may be subjected to extended holds if we deem necessary. Mobile Deposit Security You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 5:00 p.m. Central Time on a Business Day. Other cutoff times may be established by Bank from time to time (the “Cutoff Time”). A Mobile Deposit that is received after 5:00 p.m. Central Time on a Business Day shall be deemed to have been received on the following Business Day. Cutoff time information is available at xxxxx://xxxxxxxxxxxxxx.xxx or by calling the Bank as set forth in Section 10.06. When we receive an image, we will only notify confirm that you only if have submitted the image via a deposit is rejectedmessage displayed on your Mobile Device. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Your submission confirmation does not mean that the image is free of contains no errors or that it has been approved for crediting. A status of "pending" does not indicate that the submitted item has been accepted. You will be accepted for depositnot receive a subsequent notification that a submitted image has been credited to your Account. We are not responsible for any image we do not receive. Following receiptYou agree that Bank has no obligation to accept a Mobile Deposit and, therefore, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made Mobile Deposit or the Images or other information contained therein transmitted through HBNA this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for any rejected submissions and contact the Bank to address the reason for such rejection. You acknowledge and agree that Bank shall have no liability to you for failing to provide notice of rejection of a Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the original checkImages or other information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if the original check is ever presented again for paymentintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an Upon receipt of the digital image, we will only notify you only if review the image for acceptability and will convert items meeting our requirements into substitute checks to facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a deposit is rejected. To confirm acceptance digital image of a mobile deposit, please log into check does not constitute receipt by the Credit Union. Confirmation of our receipt of your deposit can be verified by viewing your account using Heritage Bank’s online banking after 8:00 pm central timein Personal Branch or Mobile Banking. The We shall not be deemed to have received the image is not deemed “received” by us for deposit until it the image is posted to your account at account. You understand that in the end event you receive a notification from us confirming receipt of the business day. Acceptance within the HBNA Mobile Deposit application an image, such notification does not mean that the image is free of contains no errors or will be accepted that we are responsible for depositany information your transmit to us. We are not responsible for any image that we do not receive. Following receiptreceipt of the image, we may process the image by preparing a “substitute check” ”. Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or using reject any item for remote deposit into your account. In the image to clear event we reject an item for remote deposit, you understand and agree that you must deposit the original item. We reserve the right to You understand and agree that even if we do not initially reject any an item you deposit made through HBNA Mobile Deposit, which fails we may return the substitute check we created because, for example, the paying bank deems the electronic image illegible. Our failure to satisfy any of our processing requirements, as determined by us in our sole discretionreject such an item shall not limit your liability to us. We will notify are not liable for any service or late charges levied against you due to our rejection of rejected imagesany item. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of In all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an imagecases, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the original check is ever presented again for paymentany loss or overdraft plus any applicable fees to your account due to an item being returned.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit RDC will be treated as “deposits” under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via e-mail to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right right, at our sole and absolute discretion, to reject any image for deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. Checks After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 calendar 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 daysrequest from time to time, you must will deliver to usus within 10 calendar days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if you represent an original check that has already been paid. Business Day and Availability Disclosure Our business days are Monday through Friday, except holidays. Any deposits received after 4:00 p.m. Eastern Standard Time on Monday through Friday will be processed the next business day. Digital images received after 4:00 p.m. Eastern Standard Time on Friday, all day Saturday and Sunday are processed on Monday. Limits We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Transactions Limitations of the Service  One check may be deposited at a time using the Service.  A maximum of $10,000 per check applies to the Service.  The total check amount per day is $10,000. Unacceptable Checks for Deposit Using the Service  Third-party checks.  Checks written for over $10,000.  Checks with qualified or conditional endorsements (for example: “Payable to Maine Solutions Federal Credit Union without recourse”).  Checks payable to more than one individual where all parties are not signers on the account may not be deposited using the service (this includes government checks).  Any item stamped “non-negotiable”.  Bonds.  Any item issued by a financial institution in a foreign country or in foreign currency.  Any item that is “stale dated” or “post-dated”  Any item that is incomplete.  Any item that contains evidence of alternation to the information on the Check. Returned Deposits Any credit to your account for checks deposited using RDC is provisional. If original checks deposited through RDC are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image:  Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use RDC for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Remote Deposit Capture Unavailability RDC may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that RDC is unavailable, you may deposit original checks at our branches, through our enabled ATMs, or through participating Shared Branching locations. Funds Availability For purposes of funds availability, deposits made through RDC are considered deposited at an ATM of this financial institution. Xxxxxxxx confirmed as received before close of business on a business day will be credited to your account within 24 hours of receipt. Xxxxxxxx confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Membership Agreement with us and will be subject to all terms of the Account Membership Agreement. When we receive an image, we will only notify confirm receipt via email to you. We shall not be deemed to have received the image for deposit until you only if a deposit is rejectedhave confirmed receipt from us. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of contains no errors or that it will be accepted for depositaccepted. It simply means we have received the item. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for mobile deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons We are not liable for any service or late charges levied against you due to the rejection may include of any of the following: incomplete item. You are responsible for any loss or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that overdraft plus any applicable fees to your account due to an image of a check may be item being rejected. Original checksChecks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 45 calendar 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 daysrequest from time to time, you must will promptly deliver to us, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question any amounts previously credited will be reversed withdrawn from your account. At Promptly after the end of this thirty (30) 45-day periodperiod expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are legally responsible if the original you present a check is ever that has previously been presented again for paymentpayment or that already has been paid.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via email to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails into your account without liability to satisfy any of our processing requirements, as determined by us in our sole discretionyou or anyone else. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and VICFCU is not a list of all of the reasons responsible for any image that an image of a check may be rejectedis altered, damaged or dropped during transmission. Original checks. After you receive confirmation that we have received an image, you must securely store the original check Original Check for thirty (30) 60 calendar days after transmission to us and make the original check 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 daysrequest from time to time, you must will deliver to usus within 10 calendar days, at your expense, the original checkrequested Original Check in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check 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 checkOriginal Check, the image will be the sole evidence of the original check. You agree that you will never re-present the original checkOriginal Check. You understand that you are responsible if anyone is asked to make a payment based on an Original Check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If Original Checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an Original Check will not be returned to you, but that we may charge back the amount of the Original Check and provide you with an image of the Original Check, a paper reproduction of the Original Check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check is ever presented again if it has been charged back to you. We may debit any of your accounts to obtain payment for paymentany item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will only notify you only if a deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application does not mean that the image is free of errors or will be accepted for deposit. We are not responsible for any image we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the original check is ever presented again for payment.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Remote Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via email to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any Storage, security and destruction/disposal of the followingoriginal check: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, we recommend you must securely store the original check for thirty sixty (3060) 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 requestrequest from time to time, and you will deliver to us within five two (52) business days, you must deliver to us, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At Promptly after the end of this thirty sixty (3060) day periodretention period expires, you must destroy the original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an the original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the anyone is asked to make a payment based on an original check is ever presented again for paymentthat has already been paid.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit the Service will be treated as “deposits” under your current Consumer Membership Account Agreement with us and will be subject to all terms of the Account Agreementtherein. When we receive you submit an image, we will only notify you only if may elect to receive an e-mail, containing a confirmation number, indicating the deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central timehas been sent for processing. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application confirmation number does not mean that the image is free of contains no errors or will be accepted for that we received the deposit. We are not responsible for any image that we do not receivereceive or that are dropped during transmission. Following receiptreceipt of your deposit, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and A confirmation number is not a list of all of representation, warranty or other indication that the reasons that an check image of will be presented for collection or will be honored by any collecting or paying bank. If we reject a check image received through the Service, then you may be rejected. Original checks. After you receive confirmation that we have received an image, you must securely store submit the original check for thirty (30) days after transmission to us by visiting a branch or ATM, or by mail, unless we instruct you otherwise, or you may want to contact the drawer and make have them reissue 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. If you do not provide submit the original check in a timely mannerfor processing, we reserve the deposit in question will be reversed from your accountright to refuse to process it and may instead require you to have the check reissued. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original checkEmail Address. You agree that to immediately notify us if you change your email address, as we will never re-present send you notification of receipt of remote deposit items. Funds Availability. Funds will be available as described in our Funds Availability Disclosure located at xxxxx://xxx.Xxxxxxxx.xxx/home/about/disclosures. Deposit Limits. We may establish limits on the original checkdollar amount and/or number of items or deposits from time to time. You understand that If you are responsible if attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the original check is ever presented again for paymentterms of this Agreement, and we will not be obligated to allow such a deposit at other times. We may change such limits at any time at our discretion. We may impose limits on the dollar amount or number of deposits you make through the Service and such limits shall be provided to you when you access the Service.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Snap Deposit will be treated as “"deposits” " under your current Account Agreement with us and will be subject to all terms of the Account Agreement and any amendments to such Agreement. To be eligible for processing on the day transmitted, Snap Deposits must be received and accepted by Bank on or before 6:00 p.m. Central Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Snap Deposit received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Snap Deposit is actually received by Bank. Cut-off time information is available at xxxx://xxx.xxxxxx.xxx or by calling the Bank as set forth in this Agreement. When we receive an image, we will only notify confirm that you only if have submitted the image via a deposit is rejectedmessage displayed on your Mobile Device. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Your submission confirmation does not mean that the image is free of contains no errors or that it has been approved for crediting. A status of "pending" does not indicate that the submitted item has been accepted. You will be accepted for depositnot receive a subsequent notification that a submitted image has been credited to your Account. We are not responsible for any image we do not receive. Following receiptYou agree that Bank has no obligation to accept a Snap Deposit and, therefore, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made Snap Deposit or the Images or other information contained therein transmitted through HBNA Mobile Depositthis Service, which fails at our discretion, without liability to satisfy you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for any rejected submissions and contact the Bank to address the reason for such rejection. You acknowledge and agree that Bank shall have no liability to you for failing to provide notice of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original checkSnap Deposit. You agree that you will never re-present shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Snap Deposit or the original checkImages or other information contained therein that are not received by Bank. You understand also agree to be liable for Snap Deposits or the Images or other information contained therein that you are responsible if the original check is ever presented again for paymentintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All Check images processed for deposit through HBNA Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Account AgreementTerms and Conditions and any amendments to such agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:00 p.m. CST or other cut-off time established by Bank from time to time (the "Cut-Off Time") on a Business Day that the Bank is open. A Mobile Deposit that is received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut- off time information is available on the Broadway mobile app or by calling the Bank as set forth in Section X.4. When we receive an image, we will only notify confirm that you only if have submitted the image via a deposit is rejectedmessage displayed on your Mobile Device. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Your submission confirmation does not mean that the image is free of contains no errors or that it has been approved for crediting. A status of "pending" does not indicate that the submitted item has been accepted. You will be accepted for depositnot receive a subsequent notification that a submitted image has been credited to your Account. We are not responsible for any image we do not receive. Following receiptYou agree that Bank has no obligation to accept a Mobile Deposit and, therefore, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made Mobile Deposit or the Check images or other information contained therein transmitted through HBNA this Service, at our discretion, without liability to you. If your submission is rejected, you may receive notice of such rejection from the Bank. It is your responsibility to check your transaction history for any rejected submissions and contact the Bank to address the reason for such rejection. You acknowledge and agree that Bank shall have no liability to you for failing to provide notice of rejection of a Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the original checkCheck images or other information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Check images or other information contained therein that you are responsible if the original check is ever presented again for paymentintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via email to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 calendar 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 daysfrom time to time, you must will deliver to us, within 10 calendar days and at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. Destruction of the original check is the responsibility of the account holder and Great American Bank cannot be held liable for failure to properly dispose of said item. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be temporarily unavailable due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our deposit accepting ATMs. Funds Availability. For purposes of funds availability, Mobile Deposits are considered deposited at a branch of ATM of this financial institution. Mobile Deposits confirmed as received before close of business (6:00 PM CST) on a business day will be credited to your account within 24 hours of receipt. Xxxxxxxx confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:00 p.m. Eastern Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the cut-off time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-off time information is available at xxxxx://xxx.xxxxxxxx.xxx. or by calling the Bank as set forth in Section 10.6. When we receive an image, we will only notify confirm that you only if have submitted the image via a deposit is rejectedmessage displayed on your Mobile Device. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Your submission confirmation does not mean that the image is free of contains no errors or that it has been approved for crediting. A status of "pending" does not indicate that the submitted item has been accepted. You will be accepted for depositnot receive a subsequent notification that a submitted image has been credited to your Account. We are not responsible for any image we do not receive. Following receiptYou agree that Bank has no obligation to accept a Mobile Deposit and, therefore, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made Mobile Deposit or the Images or other information contained therein transmitted through HBNA this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e- mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for any rejected submissions and contact the Bank to address the reason for such rejection. You acknowledge and agree that Bank shall have no liability to you for failing to provide notice of rejection of a Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the original checkImages or other information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if the original check is ever presented again for paymentintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an Upon receipt of the digital image, we will only notify you only if review the image for acceptability and will convert items meeting our requirements into substitute checks to facilitate the deposit and collection of such items. You understand and agree that electronically transmitting a deposit is rejected. To confirm acceptance digital image of a mobile depositcheck does not constitute receipt by the credit union. Confirmation of our receipt of your deposit can be verified by email, please log into if you choose to receive an email confirmation, or by viewing your account using Heritage Bank’s online banking after 8:00 pm central timein Virtual Branch. The We shall not be deemed to have received the image is not deemed “received” by us for deposit until it the image is posted to your account at account. You understand that in the end event you receive a notification from us confirming receipt of the business day. Acceptance within the HBNA Mobile Deposit application an image, such notification does not mean that the image is free of contains no errors or will be accepted that we are responsible for depositany information you transmit to us. We are not responsible for any image that we do not receive. Following receiptreceipt of the image, we may process the image by preparing a “substitute check.” Notwithstanding anything to the contrary, we reserve the right, within our sole and absolute discretion, to accept or using reject any item for remote deposit into your account. In the image to clear event we reject an item for remote deposit, you understand and agree that you must deposit the original item. We reserve the right to You understand and agree that even if we do not initially reject any an item you deposit made through HBNA Mobile Deposit, which fails we may return the substitute check we created because, for example, the paying bank deems the electronic image illegible. Our failure to satisfy any of our processing requirements, as determined by us in our sole discretionreject such an item shall not limit your liability to us. We will notify are not liable for any service or late charges levied against you due to our rejection of rejected imagesany item. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of In all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an imagecases, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if the original check is ever presented again for paymentany loss or overdraft fees plus any applicable fees to your account due to an item being returned.

Receipt of Deposit. All images Images processed for deposit through HBNA Mobile Deposit will be treated as “"deposits” " under your current Deposit Account Agreement with us and will be subject to all terms of the Deposit Account Agreement and any amendments to such Agreement. To be eligible for processing on the day transmitted, Mobile Deposits must be received and accepted by Bank on or before 6:15 p.m. Central Time or other cut-off time established by Bank from time to time (the “Cut-Off Time”) on a Business Day that the Bank is open. A Mobile Deposit that is received after the Cut-Off Time shall be deemed to have been received on the Business Day following the Business Day on which the Mobile Deposit is actually received by Bank. Cut-Off Time information is available at xxxx://xxx.xxxxxxxx.xxx or by calling the Bank as set forth in Section 10.6. When we receive an imageImage, we will only notify confirm that you only if have submitted the Image via a deposit is rejectedmessage displayed on your Mobile Device. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Your submission confirmation does not mean that the image is free of Image contains no errors or that it has been approved for crediting. A status of "pending" does not indicate that the submitted item has been accepted. You will be accepted for depositnot receive a subsequent notification that a submitted Image has been credited to your Account. We are not responsible for any image we do not receive. Following receiptYou agree that Bank has no obligation to accept a Mobile Deposit and, therefore, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right to reject any deposit made Mobile Deposit or the Images or other information contained therein transmitted through HBNA this Service, at our discretion, without liability to you. If your submission is rejected, you will receive e-mail of such rejection from the Bank. It is your responsibility to check notifications from the Bank for any rejected submissions and contact the Bank to address the reason for such rejection. You acknowledge and agree that Bank shall have no liability to you for failing to provide notice of rejection of a Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretion. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, 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. If you do not provide the original check in a timely manner, the deposit in question will be reversed from your account. At the end of this thirty (30) day period, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present shall be solely liable for, and Bank shall not have any liability whatsoever to you for, any Mobile Deposit or the original checkImages or other information contained therein that are not received by Bank. You understand also agree to be liable for Mobile Deposits or the Images or other information contained therein that you are responsible if the original check is ever presented again for paymentintercepted or altered by an unauthorized third party or dropped during transmission.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit RDC will be treated as “deposits” under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via e-mail to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using the image to clear the item. We reserve the right right, at our sole and absolute discretion, to reject any image for deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. Checks After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 calendar 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 daysrequest from time to time, you must will deliver to usus within 10 calendar days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if you represent an original check that has already been paid. Business Day and Availability Disclosure Our business days are Monday through Friday, except holidays. Any deposits received after 3:00 p.m. Eastern Standard Time on Monday through Friday will be processed the next business day. Digital images received after 3:00 p.m. Eastern Standard Time on Friday, all day Saturday and Sunday are processed on Monday. Limits We may establish limits on the dollar amount and/or number of items or deposits from time to time. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to allow such a deposit at other times. Transactions Limitations of the Service • One check may be deposited at a time using the Service. • A maximum of $5,000 per check applies to the Service. • The total check amount per day is $5,000. Unacceptable Checks for Deposit Using the Service • Third-party checks. • Checks written for over $5,000. • Checks with qualified or conditional endorsements (for example: “Payable to Seasons Federal Credit Union without recourse”). • Checks payable to more than one individual where all parties are not signers on the account may not be deposited using the service (this includes government checks). • Any item stamped “non-negotiable”. • Bonds. • Any item issued by a financial institution in a foreign country or in foreign currency. • Any item that is “stale dated” or “post dated” • Any item that is incomplete. • Any item that contains evidence of alternation to the information on the Check. Returned Deposits Any credit to your account for checks deposited using RDC is provisional. If original checks deposited through RDC are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image: • Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use RDC for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Remote Deposit Capture Unavailability RDC may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that RDC is unavailable, you may deposit original checks at our branches, through our enabled ATMs, or through participating Shared Branching locations. Funds Availability For purposes of funds availability, deposits made through RDC are considered deposited at an ATM of this financial institution. Xxxxxxxx confirmed as received before close of business on a business day will be credited to your account within 24 hours of receipt. Xxxxxxxx confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current the Membership and Account Agreement and/or the Business Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement and/or the Business Membership and Account Agreement. When we receive you successfully submit an image, we will only notify image you only if a deposit is rejected. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at can check the end status of the business day. Acceptance image within the HBNA Mobile Deposit application App. Status pending means the item is under review, accepted means the item will be processed, and rejected means the item was rejected and a reason will be provided. We shall not be deemed to have received the image for deposit until we have confirmed receipt through the Mobile App to you. Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. We cannot re-process an image that has been deleted. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any deposit made through HBNA image for Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretionDeposit into your account(s). We will notify may email you a notification of your rejected imagesimage(s), providing we have a current email address for you on file. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list It is a list of examples only your responsibility to make sure your email and other contact information is not a list of all of the reasons that an image of a check may be rejectedcurrent. Original checks. checks After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) at least 30 calendar 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 daysrequest from time to time, you must will deliver to usus within 10 calendar days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits Any credit to your account for checks deposited using Mobile Deposit is provisional. If the original check(s) deposited through Mobile Deposit is dishonored, rejected or otherwise returned unpaid by the drawee bank, or is rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. In any case of the above mentioned a service fee for the return deposit may be assessed to your account, see the Service Charges and Fees Schedule. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image: Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. There are no other duplicate images of the original check. The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. You are authorized to enforce and obtain payment of the original check. You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability Mobile Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our offices. Funds Availability Mobile Deposits confirmed as received before close of business will be credited to your account within two business days with the first $2,000.00 of the daily total deposit available. Xxxxxxxx confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within two business days of the following business day. Mobile Deposits on new accounts opened less than 30 days confirmed as received before close of business will be credited to your account within five business days with the first $225.00 of the daily total deposit available. Deposits on new accounts opened less than 30 days confirmed received after close of business, on holidays, or days that are not considered business days will be credited to your account within five business days of the following business day. Some items during processing hours may qualify for automatic posting to your account resulting in funds made available sooner to you. Items that do not qualify for automatic posting can include but are not limited to: check deposit limits, duplicate submissions, non-conforming image, poor image quality, or dollar amount discrepancies. For business accounts on WESTconsin Business Connect Mobile Deposit confirmed as received before close of business will be credited to your account up to $45,000.00 with the deposit amount over $45,000.00 deposited within two business days. Xxxxxxxx confirmed received after close of business day, on holidays or days that are not considered business days will be credited to your account within two business days of the following business day. All accounts may be subjected to extended holds if we deem necessary. Mobile Deposit Security You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized access to your account or unauthorized deposits. You will notify us immediately by telephone with written confirmation if you learn of any loss or theft of original check(s),or if you suspect unauthorized access. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit RDC will be treated as “deposits” under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via e-mail to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. Checks After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 calendar 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 daysrequest from time to time, you must will deliver to usus within 10 calendar days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-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 you will never re-present the original check. You understand that you are responsible if you re- present an original check that has already been paid. Returned Deposits Any credit to your account for checks deposited using RDC is provisional. If original checks deposited through RDC are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties You make the following warranties and representations with respect to each image:  Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law You will use RDC for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Remote Deposit Capture Unavailability RDC may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that RDC is unavailable, you may deposit original checks at our branches, through our enabled ATMs, or through participating Shared Branching locations. Funds Availability For purposes of funds availability, deposits made through RDC are considered deposited at an ATM of this financial institution. Deposits confirmed as received before close of business on a business day will be credited to your account within 24 hours of receipt. Deposits confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Deposit will be treated as “deposits” under your current Account Agreement with us and will be subject to all terms of the Account Agreement. When we receive an image, we will only notify you only if a confirm receipt via email to you. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “substitute check” or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for remote deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 calendar 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 daysfrom time to time, you must will deliver to us, within 10 calendar days and at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “VOID” and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. Destruction of the original check is the responsibility of the account holder and Great American Bank cannot be held liable for failure to properly dispose of said item. You agree that you will never re-present the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Deposit is provisional. If original checks deposited through Mobile Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image:  Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check.  The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate.  You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid.  There are no other duplicate images of the original check.  The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check.  You are authorized to enforce and obtain payment of the original check.  You have possession of the original check and no party will submit the original check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Deposit Unavailability. Mobile Deposit may be temporarily unavailable due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Deposit is unavailable, you may deposit original checks at our branches or through our deposit accepting ATMs. Funds Availability. For purposes of funds availability, Mobile Deposits are considered deposited at a branch of ATM of this financial institution. Mobile Deposits confirmed as received before close of business (6:00 PM CST) on a business day will be credited to your account within 24 hours of receipt. Deposits confirmed received after close of business, and deposits confirmed received on holidays or days that are not business days will be credited to your account within 24 hours of the following business day. Funds will be available as described in our Funds Availability Disclosure.

Receipt of Deposit. All images processed for deposit through HBNA Mobile Check Deposit will be treated as “"deposits” " under your current Membership and Account Agreement with us and will be subject to all terms of the Membership and Account Agreement. When we receive an image, we will only notify you only if confirm receipt through a notification in the app. We shall not be deemed to have received the image for deposit is rejecteduntil we have confirmed receipt to you. To confirm acceptance of a mobile deposit, please log into your account using Heritage Bank’s online banking after 8:00 pm central time. The image is not deemed “received” by us until it is posted to your account at the end of the business day. Acceptance within the HBNA Mobile Deposit application Confirmation does not mean that the image is free of errors or will be accepted for depositcontains no errors. We are not responsible for any image that we do not receive. Following receipt, we may process the image by preparing a “"substitute check” " or using clearing the image to clear the itemitem as an image. We reserve the right right, at our sole and absolute discretion, to reject any image for mobile check deposit made through HBNA Mobile Deposit, which fails to satisfy any of our processing requirements, as determined by us in our sole discretioninto your account. We will notify you of rejected images. Reasons for rejection may include any of the following: incomplete or missing endorsement; illegible check or poor image quality; altered check; or duplicate check. This list is a list of examples only and is not a list of all of the reasons that an image of a check may be rejected. Original checks. After you receive confirmation that we have received an image, you must securely store the original check for thirty (30) 60 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 daysrequest from time to time, you must will deliver to usus within 5 days, at your expense, the requested original checkcheck in your possession. If you do not provide the original check provided in a timely manner, the deposit in question such amount will be reversed from your account. At the end of this thirty (30) day periodPromptly after such period expires, you must destroy the original check by first marking it “"VOID” " and then destroying it by cross-cut shredding or another commercially acceptable means of destruction. After destruction of an original check, the image will be the sole evidence of the original check. You agree that you will never re-present the original check, or present a second image of the original check. You understand that you are responsible if anyone is asked to make a payment based on an original check that has already been paid. Returned Deposits. Any credit to your account for checks deposited using Mobile Check Deposit is provisional. If original checks deposited through Mobile Check Deposit are dishonored, rejected or otherwise returned unpaid by the drawee bank, or are rejected or returned by a clearing agent or collecting bank, for any reason, including, but not limited to, issues relating to the quality of the image, you agree that an original check will not be returned to you, but that we may charge back the amount of the original check and provide you with an image of the original check, a paper reproduction of the original check or a substitute check. You will reimburse us for all loss, cost, damage or expense caused by or relating to the processing of the returned item. Without our approval, you shall not attempt to deposit or otherwise negotiate an original check if it has been charged back to you. We may debit any of your accounts to obtain payment for any item that has been rejected or returned, for any adjustment related to such item or for any warranty claim related to such item, whether or not the rejection, return, adjustment or warranty claim was made timely. Your Warranties. You make the following warranties and representations with respect to each image: • Each image is ever presented again a true and accurate rendition of the front and back of the original check, without any alteration, and the drawer of the check has no defense against payment of the check. • The amount, payee(s), signature(s), and endorsement(s) on the image and on the original check are legible, genuine, and accurate. • You are not in knowledge of the fact that a stop payment exists against the check. • You will not deposit or otherwise endorse to a third party the original check and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the original check or a paper or electronic representation of the original check such that the person will be asked to make payment based on an item that has already been paid. • There are no other duplicate images of the original check. • The original check was authorized by the drawer in the amount stated on the original check and to the payee(s) stated on the original check. • You are authorized to enforce and obtain payment of the original check. • You have possession of the original check and no party will submit theoriginal check for payment. With respect to each image, you make to us all representations and warranties that we make or are deemed to make to any party pursuant to law, regulation or clearinghouse rule. You agree that files and images transmitted to us will contain no viruses or any other disabling features that may have an adverse impact on our network, data, or related systems. Compliance with Law. You will use Mobile Check Deposit for lawful purposes and in compliance with all applicable laws, rules and regulations. You warrant that you will only transmit acceptable items for deposit and have handled the original items in accordance with applicable laws, rules and regulations. Mobile Check Deposit Unavailability. Mobile Check Deposit may be unavailable temporarily due to system maintenance or technical difficulties, including those of the Internet service provider, cellular service provider and Internet software. In the event that Mobile Check Deposit is unavailable, you may deposit original checks at our branches or by mailing the original check to: Capital Credit Union, XX Xxx 0000, Xxxxx Xxx XX 00000-0000. Funds Availability. For purposes of funds availability, mobile check deposits are processed at the Xxxxxx Corporate Office of Capital Credit Union, 000 Xxxxxx Xxx. Green Bay, WI 54304. Mobile check deposits confirmed as received before 4 PM Central Time on a business day will be credited to your account on the same business day. Xxxxxxxx confirmed received after 4 PM and deposits confirmed received on holidays or days that are not our business days will be credited to your account on the next business day after the deposit is made. A longer delay in crediting your account may take place if Capital deems the delay is warranted (collectability or legitimacy questions, etc.) You will be notified should longer delays apply. Business Days. Our business days are Monday through Friday, except holidays. Mobile Check Deposit Security. You will complete each deposit promptly. If you are unable to complete your deposit promptly, you will ensure that your mobile device remains securely in your possession until the deposit has been completed. It is your responsibility to establish and maintain procedures to safeguard against unauthorized deposits. You will notify us immediately by telephone to (000)000-0000 or (000)000- 0000 with written confirmation if you learn of any loss or theft of original checks. You will ensure the safety and integrity of original checks from the time of receipt until the time of destruction. If warranted in our reasonable judgment, we may audit and monitor you, and you agree to cooperate with us to permit such monitoring, to confirm that you have satisfied your obligations under this Agreement.