Common use of Deposit Services Clause in Contracts

Deposit Services. This paragraph provides information about and contains the terms and conditions that apply to our Deposit Services offered through Online Services. Our Deposit Services are designed to allow you to make deposits to eligible checking, savings, or money market accounts using an approved Access Device. Your use of our Deposit Services establishes the acceptance of these terms and conditions. We reserve the right to change, modify, add, or remove portions from our remote Deposit Services. The continued use of our remote Deposit Services will confirm acceptance of any such changes. You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). You agree that the image of the check transmitted to us shall be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code, as adopted in Ohio. You agree, with respect to all items transmitted, that you will: • only transmit eligible items; • ensure images meet quality standards; • not transmit duplicate items; • not deposit in person or re-present the original item; • ensure all information you provide to us is accurate and true. You agree not to use our remote Deposit Services to scan and deposit any checks or other items itemized below, which may be considered ineligible items: • checks or items payable to any person or entity other than yourself; • checks or items containing an alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn; • checks or items previously converted to a substitute check, as defined in Reg. CC; • checks or items drawn on a Financial Institution located outside the United States; • checks or items that are remotely created checks, as defined in Reg. CC; • checks or items not payable in United States currency; • checks or items dated more than 6 months prior to the date of deposit; • checks or items that are dated after the date of deposit; • checks or items drawn or otherwise issued by the U.S. Treasury Department; • checks or items prohibited by our current procedures relating to our remote Deposit Services or which are otherwise not acceptable under the terms of the your Account; • checks payable on sight or payable through drafts, as defined in Reg. CC; • checks with any endorsement on the back other than that specified in this agreement. Image Quality The image of an item transmitted to us using our Deposit Services must be legible. The image quality of the items must comply with the requirements established from time to time by American National Standards Institute, the Board of Governors of the Federal Reserve Board, or any other regulatory agency, clearing house or association. We recommend to restrictively endorse any item transmitted through our Deposit Services as “For remote deposit only, First Financial Bank” or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of our Deposit Services as we may establish from time to time. We reserve the right to reject any item transmitted through our Deposit Services, at our discretion, without liability to us. We are not responsible for items not received or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from us that the image was received. Receipt of such confirmation does not mean that the transmission was error free or complete or will be considered a deposit and credited to the account. We reserve the right to charge back to the Account at any time, on any item that we subsequently determine was not an eligible item. You agree that we are not liable for any loss, costs, or fees incurred as a result of the chargeback of an ineligible item. It is your responsibility to verify the item was successfully transmitted. You may receive email communications about the status of your deposit at the email address you have designated in Online Services.

Deposit Services. This paragraph provides information about and contains the terms and conditions that apply to our Deposit Services offered through Online Services. Our Deposit Services are designed to allow you to make deposits to eligible checking, savings, or money market accounts using an approved Access Device. Your use of our Deposit Services establishes the acceptance of these terms and conditions. We reserve the right to change, modify, add, or remove portions from our remote Deposit Services. The continued use of our remote Deposit Services will confirm acceptance of any such changes. You agree to scan and deposit only checks as that term is defined in Federal Reserve Regulation CC (“Reg CC”). You agree that the image of the check transmitted to us shall be deemed an “item” within the meaning of Articles 3 and 4 of the Uniform Commercial Code, as adopted in Ohio. You agree, with respect to all items transmitted, that you will: • only transmit eligible items; • ensure images meet quality standards; • not transmit duplicate items; • not deposit in person or re-present the original item; • ensure all information you provide to us is accurate and true. You agree not to use our remote Deposit Services to scan and deposit any checks or other items itemized below, which may be considered ineligible items: • checks or items payable to any person or entity other than yourself; • checks or items containing an alteration to any of the fields on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check or item is drawn; • checks or items previously converted to a substitute check, as defined in Reg. CC; • checks or items drawn on a Financial Institution located outside the United States; • checks or items that are remotely created checks, as defined in Reg. CC; • checks or items not payable in United States currency; • checks or items dated more than 6 months prior to the date of deposit; • checks or items that are dated after the date of deposit; • checks or items drawn or otherwise issued by the U.S. Treasury Department; • checks or items prohibited by our current procedures relating to our remote Deposit Services or which are otherwise not acceptable under the terms of the your Account; • checks payable on sight or payable through drafts, as defined in Reg. CC; • checks with any endorsement on the back other than that specified in this agreement. Image Quality The image of an item transmitted to us using our Deposit Services must be legible. The image quality of the items must comply with the requirements established from time to time by American National Standards Institute, the Board of Governors of the Federal Reserve Board, NACHA, or any other regulatory agency, clearing house or association. We recommend to restrictively endorse any item transmitted through our Deposit Services as “For remote mobile deposit at Maincity Trust Bank only, First Financial Bank” or as otherwise instructed by us. You agree to follow any and all other procedures and instructions for use of our Deposit Services as we may establish from time to time. We reserve the right to reject any item transmitted through our Deposit Services, at our discretion, without liability to us. We are not responsible for items not received or for images that are dropped during transmission. An image of an item shall be deemed received when you receive a confirmation from us that the image was received. Receipt of such confirmation does not mean that the transmission was error free or complete or will be considered a deposit and credited to the account. We reserve the right to charge back to the Account at any time, on any item that we subsequently determine was not an eligible item. You agree that we are not liable for any loss, costs, or fees incurred as a result of the chargeback of an ineligible item. It is your responsibility to verify the item was successfully transmitted. You may receive email communications about the status of your deposit at the email address you have designated in Online Services.