Internet Business Banking Service Agreement - Union Bank

(b) At our discretion, we may establish customer eligibility requirements to deposit checks using Mobile CheckDeposit. We may further establish limits on amount and frequency of deposits. We may change such eligibilityrequirements and deposit limits without prior notice to you. If a deposit exceeds current limits, it will not beprocessed.(c) In order for a check to be accepted and processed using Mobile Check Deposit, it must:1) Be an original paper check; 2) Be payable to you and endorsed by all payees; 3) Be payable in U.S. dollars;4) Be payable at a financial institution in the United States; 5) Be dated within 6 months prior to date ofdeposit; 6) Have all fields completed; and 7) Be legible and in good physical condition.We will not accept a: 1) Third-party check; 2) Substitute check or copy of a check image; 3) Check payable at afinancial institution outside the United States; 4) Check payable in a currency other than U.S. dollars; 5)Travelers’ cheque; 6) Savings bond; 7) Future-dated check; 8) Check dated more than 6 months prior todeposit; or 9) Non-cash item.At our discretion and without prior notice to you, we may further restrict the types and attributes of checksthat will be accepted and processed using Mobile Check Deposit.(d) You agree that, once you have deposited a check using Mobile Check Deposit, you will not cash the check,nor negotiate, transfer or deliver the check to any other person or entity, nor deposit the check again throughMobile Check Deposit, at an ATM, in person at a branch (unless we have directed you to do so), at anotherfinancial institution, or through any other means. Do not destroy the original check until the deposit appears onyour periodic account statement. Until it appears on the statement, you agree to keep the physical checksecurely stored to prevent theft or misuse. After the deposit has appeared on your statement, you agree tosafely destroy the original check.(e) Generally, funds will be available for withdrawal the Business Day after deposit. However, in some cases, wemay delay funds availability up to the 4th Business Day after deposit. We will notify you electronically by emailif we delay availability of your deposit. Funds availability rules set forth in Federal Reserve Regulation CC do notapply to checks deposited using Mobile Check Deposit.(f) We reserve the right to reject a check deposit at the time the deposit is attempted using the wireless device.We further reserve the right, upon subsequent review of the deposited check, to cancel the deposit andreverse prior credit to your deposit account for the amount of the deposited check due to non-negotiability ofthe check or any other reason that we may determine. We will notify you electronically through the mobiledevice of our immediate rejection of a deposit. If we subsequently cancel a deposit and reverse credit to youraccount, we will notify you by email.(g) We may, upon subsequent review of a deposited check, adjust the amount of the deposit to conform to thelegal amount of the check as determined by us. Our determination will be considered final. We will notify youby email of such adjustment.(h) Successful completion of a mobile check deposit is dependent upon a good-quality original check and a clearphotograph of the front and back of the check. You agree that you are responsible for accuratelyphotographing the front and back of the check according to our instructions. You acknowledge that not allchecks that meet our deposit criteria can be successfully deposited through Mobile Check Deposit due to thesensitivity and complexity of image recognition technology or other reasons, such as use of unconventionalcheck stock or failure or interruption of any data transmission channels. You acknowledge and agree that we