Remote Deposit Application and Agreement

Contents

Remote Deposit Services Application

Legal Business Information

Doing Business As (DBA) Information

Project Deposit Activity

Principal Information

Financial Inquiries

Financial Institution References

Trade or Business References

Requested Documentation to Accompany Completed Application

Consent to Obtain Consumer Credit Report

Authorized Signatures

Corporate Certification

Remote Deposit Services Agreement

Introduction

Rules, Laws and Regulations

Other Agreements

Using Remote Deposit Service

Definitions

Your Responsibility When User ID, Password and Authentication Device are Used

Responsibility for Administrators

Data Protection

Services

Equipment

Posting of Deposits

Your Operational Responsibilities

Bank Operational Responsibilities

License and Intellectual Property

Confidentiality

Additional Disclosures

Communications Between the Bank and You

Contacting Bank via e-Mail

Periodic Statements

Consent to Electronic Delivery of Notices

Disclaimer of Warranty and Limitation of Liability

Credit and Audit Review

Site Inspection and Visitation

Severability

Headings

Waiver

Assignment

Entire Agreement

Change in Terms

Termination

Governing Law

Security Interest in Accounts and Settlement Reserve

Your Representations and Warranties

Fees and Charges

Authorized Signatures

Corporate Certification

Remote Deposit Services Enrollment Form

Supporting Documentation Checklist

Checking Account Information

Equipment Options

General Access Rights for User

Cash Management Transaction Rights for User

ACH Re-Presentment Options

Maximum Customer Deposit Activity Limits

Special Instructions

Remote Deposit Services Department Use Only

This form template is also included in the purchase price of the Remote Deposit Capture Program Policy Template.

Recent updates to this product:

02/04/09 Update - FFIEC Risk Management of Remote Deposit Capture

This form template (approximately 22 pages in Arial Font Size 8 text) is available to purchase from Bankpolicies.com in Microsoft® Word format for a flat fee of $125.00, and you can receive your order via e-mail attachment or on CD-ROM for large volume orders.

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Placing an order with Bankpolicies.com is fast and convenient. Your order will be completed within 24 hours via e-mail regardless of your method of payment.* Orders placed by international or non-financial institution clients must be pre-paid by credit card.

Invoice: Send an e-mail addressed to service@bankpolicies.com. Be sure to include:

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• A contact name and title.

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All prices as of 3/7/2010 and subject to change without prior notice.