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Mobile Deposit Agreement

Range Bank, N.A. (the “Bank") strives to provide the highest quality mobile deposit banking available. This agreement states the Bank and your obligations with respect to the mobile deposit service (the "Service"). In this agreement, the terms “you” and “your” refer to the Bank’s online customer who has signed this Agreement below.

1. The Bank will make reasonable efforts to have the Service available for your use on a continuous basis. The Service may be unavailable for short periods of time for regular or emergency system maintenance. The Bank will strive to have its scheduled maintenance occur during non-peak hours. In addition, accessibility to the Service may be interrupted because of conditions beyond the Bank’s control, including outages in internet availability. The Bank will make reasonable efforts to re-establish the Service as promptly as possible. The Bank does not promise the Service will always be available for your use. The Bank may elect to discontinue the Service at any time. If the Bank chooses to discontinue the Service, the Bank will provide you with reasonable notice in advance of that fact.

2. You are responsible for providing your own hardware and software to access the Service. The hardware and software that you use may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. The Bank is not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. The Bank does not guarantee functionality of the Service on all wireless devices. You are responsible for the charges of any wireless service provider while using the Service.

3. The Bank reserves the right to take actions to protect its systems and information at all times, including denial of access to the Service.

4. The Bank will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe and, despite the Bank’s efforts, the security of the Service could be compromised or malicious code could be introduced by third parties. The Bank will provide you with notice, as required by applicable law, if your information is the subject of a security breach.

5. The accounts that you access using the Service are subject to the Rules and Regulations of Your Deposit Account, Online Banking Agreement and Mobile Banking Agreement.

Terms and Conditions of Mobile Deposit

1. General. The terms, conditions and definitions of the Online Banking Agreement (as amended) between the Bank and you (individually or the business entity using the Service) and the Funds Availability Policy and any other agreements and/or documentation between you and the Bank are hereby incorporated and a part of this Mobile Deposit Agreement (hereinafter collectively the “Agreement”). By using or continuing to use the Service, you agree to the terms of the Agreement. For additional information refer to the Online Banking Agreement and Funds Availability Policy. You can request a copy of these documents at any time.

2. Mobile Deposit. a. The Service allows you to make certain deposits electronically by using a mobile capture device to create an electronic image of a paper check payable only in U.S. Dollars ("Item") by taking a picture of the Item and transmitting it, and related data to the Bank. As part of the Service you must use software and hardware acceptable to the Bank. You are solely responsible for information or data that is transmitted, supplied or key-entered by you, your employees or agents. Before you capture the image of any Item, you shall endorse all Items with the endorsement “For Mobile Deposit Only.” b. You agree that after the Item has been imaged and submitted for deposit, you shall not otherwise transfer or negotiate the original Item, substitute check or any other representation thereof. You further agree that you shall be solely responsible for the original Items, including storage, retrieval and destruction of the Items. c. You agree that the electronic image of the Item or any substitute check, as defined by federal law, will become the legal representation of the Item for all purposes, including return Items processing. d. If you present for deposit an Item no later than 5:00 p.m. Eastern Standard Time on a business day, the Bank will consider that day to be the day of deposit. If you present an Item for deposit after 5:00 p.m. Eastern Standard Time or on a weekend or a state or federal holiday, the Bank will consider that the deposit was made on the next business day. e. Deposits may be made to your eligible checking or savings accounts from remote locations by photographing paper checks ("Items") and delivering the images and associated deposit information to the Bank. f. You agree to pay the fees described in the service charges and fee schedule that applies to your deposit account. g. You are responsible for the charges of any wireless service provider while using the Service. h. You agree that the image of the check transmitted to the Bank shall be deemed an "Item" within the terms of the Check Clearing for the 21st Century Act. i. There are daily and monthly limits for accounts. These limits are referred to as “velocity limits” and are available within the mobile banking app for your reference. j. The Bank reserves the right to change, suspend or discontinue the Service, in whole or in part, or your use of the Service, in whole or in part, at any time with 30 days prior notice to you, If modification or termination is required for security purposes, then the Bank may immediately terminate the Service. k. The Bank may immediately terminate the Service if you misuse the product. l. You can terminate the service at any time by contacting your local branch or the Bank’s Operations Department at 906-226-0587. Any fees paid to the Bank for the Service will not be refunded in whole or part.

3. Item Processing. If the electronic files and/or images transmitted to the Bank with respect to any Item do not comply with the Bank’s processing requirements for content and/or format, the Bank may, in its sole discretion: a. further transmit the Item and data in the form received from you; b. repair or attempt to repair the Item or data and then further transmit it; c. process the Item as photocopies in lieu of originals; or d. reject the Item and/or charge back your account.

The Bank is not responsible for Items it does not receive or for images that may fail during transmission. An image of an Item shall be deemed received when you receive a confirmation email from the Bank that it has received the deposit. Receipt of such confirmation does not mean that the transmission was error free or complete.

You agree to retain and safeguard the original Item for at least 14 days after you have transmitted the Item images. After 14 days have passed and you have verified that the funds associated with the Item have been added to your account balance, you agree to properly destroy the Item.

You also agree that you will not use the Service to deposit any Items that: a. Are made payable to persons or entities other than you, including Items made payable to multiple parties; b. Contain obvious alterations on the front of the Item, or which you know or suspect, or a reasonable person would know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the Item is drawn; c. Were previously converted to a substitute Item, as defined in Federal Reserve Regulation CC, or were otherwise cashed or deposited; d. Are drawn on a financial institution located outside the United States; e. Are remotely created checks, as defined in Federal Reserve Regulation CC; f. Are not payable in United States currency; g. Are payable to Cash; h. Are a U.S. Savings Bond, money order, travelers check, foreign check or federal government check; i. Do not bear a signature of the person from whom the Item is drawn or lack an issued date; j. Are postdated or dated more than 6 months prior to the date of deposit; or k. Are prohibited by the Bank’s current procedures relating to the Service or which are otherwise not acceptable under the terms of your account with the Bank.

4. Warranties. You represent and warrant to the Bank that: a. Any image it receives accurately and legibly represents all of the information on the front and back of the original Item as originally drawn; b. The information you transmit to the Bank corresponding to an Item contains a record of all applicable MICR-line (the set of numbers at the bottom of the check) information required for a substitute check and the accurate amount of the Item; c. The Item conforms to the technical standards in the Federal Reserve Bank operating circulars for a substitute check set forth in Federal Reserve Board Regulation CC; d. The Item has not previously been deposited and no person will receive a transfer, presentment, or return of, or otherwise be charged for, the Item (either the original Item, or a paper or electronic representation of the original Item) such that the person will be asked to make payment based on an Item it has already paid; e. You will not redeposit through this Service any Item previously deposited and returned to you unless the Bank advises you otherwise; f. You will employ reasonable security measures sufficient to protect the Item in transmission and storage; and g. You will only transmit Items that originated as paper Items. h. You will comply with all laws and regulations applicable to you in your use of the Service and not use the Service for any purpose prohibited by foreign exchange regulations, postal regulations or any other treaty, statute, regulation or authority. You agree to notify the Bank of any suspected errors regarding items deposited through the Service right away, and to notify the Bank no later than 60 days after the applicable account statement from the Bank is provided. Unless you notify the Bank within 60 days, such statement regarding all deposits made through the Service shall be deemed correct. You agree that the Bank retains all ownership and proprietary rights in the Service, associated content, technology, and website(s). Your use of the Service is subject to and conditioned upon your compliance with this Agreement. Without limiting the effect of the foregoing, any breach of this Agreement immediately terminates your right to use the Service. Without limiting the restriction of the foregoing, you may not use the Service (i) for any purpose which would be contrary to the Bank’s business interest, or (ii) to the Bank’s actual or potential economic disadvantage in any aspect. You may use the Service only for business and personal use in accordance with this Agreement. You may not copy, reproduce, distribute or create derivative works from the content and agree not to reverse engineer or reverse compile any of the technology used to provide the Service.

5. Disclaimer. Unless otherwise required by law, the Bank makes no representations or warranties, whether express, implied or statutory regarding or relating to any of the software, capture devices or other hardware and/or access to or use of them or the related materials and the Service. The Bank specifically disclaims any and all implied warranties of merchantability and fitness for a particular purpose and non-infringement. The Bank and its subcontractors also do not guarantee that your access to the Service will be uninterrupted, error free or secure. UNLESS OTHERWISE REQUIRED BY LAW, YOU AGREE YOUR USE OF THE SERVICE AND ALL INFORMATION AND CONTENT (INCLUDING THAT OF THIRD PARTIES) IS AT YOUR RISK AND IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. The Bank DISCLAIMS ALL WARRANTIES OF ANY KIND AS TO THE USE OF THE SERVICES, WHETHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. The bank MAKES NO WARRANTY THAT THE SERVICES (i) WILL MEET YOUR REQUIREMENTS, (ii) WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (iii) THE RESULTS THAT MAY BE OBTAINED FROM THE SERVICE WILL BE ACCURATE OR RELIABLE, AND (iv) ANY ERRORS IN THE SERVICES OR TECHNOLOGY WILL BE CORRECTED.

6. Limitation of Liability. UNLESS OTHERWISE REQUIRED BY LAW, YOU AGREE THAT the bank WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, PUNITIVE OR SPECIAL DAMAGES, INCLUDING LOST PROFITS, REGARDLESS OF THE FORM OF THE ACTION OR THEORY OF RECOVERY, EVEN IF the bank has BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES.

7. Indemnification. In addition to the indemnities contained in any and all other documents related to your account(s) with the Bank, you agree to indemnify the Bank for any loss or expense (including attorney's fees and expenses of litigation) resulting from: a. Your breach of any of the warranties made by you pursuant to this Agreement; b. any claim pertaining to any warranty or indemnity that the Bank makes with respect to an Item under the Check Clearing for the 21st Century Act, Federal Reserve Board Regulations CC and J and all other laws, regulations and industry and clearing house rules applicable to Items.

8. Grant of License. a. Grant of License. To the extent the Bank or its licensors make any software available to you via download for use in conjunction with the Service, the Bank hereby grants, and you hereby accept, for the term of this Agreement, a non-exclusive, non-assignable, non-transferable, limited right and license to use the proprietary computer software products in object code and any associated documentation ("Products") for use only directly in conjunction with the permitted use of the Service. b. Title. Except for the license granted to you hereunder, all rights and title in and to the products, including any improvements, modifications, and derivative works, will at all times remain with the Bank or its licensors, and you shall acquire no rights in the Products. c. Risk of Loss. You will bear the entire risk of loss, destruction and damage to the Products from any cause whatsoever, and no such loss, destruction or damage shall impair any of your obligations hereunder which shall continue in full force and effect.

Please contact the Bank at 906-226-0587 with any questions you may have regarding the above information and disclaimers.