229 0 obj <>/Filter/FlateDecode/ID[]/Index[200 72]/Info 199 0 R/Length 128/Prev 825821/Root 201 0 R/Size 272/Type/XRef/W[1 3 1]>>stream The following terms and conditions (the “Agreement”) apply to the Consumer Electronic Banking / Mobile Remote Deposit Capture Service (the “ .communityCapture Service”) that Barrington Bank & Trust Company, N.A. LIMITATION OF LIABILITY/INDEMNIFICATION. 3.2 Mobile Banking Requirements:  Use of Mobile Banking is required to use a Mobile Device as a Capture Device. 2.12 "Technology" means the Bank’s or its subcontractor's deposit capture applications and processes designed to facilitate the electronic clearing of Items. 8.2 Obligations upon Termination: Upon the termination of this Agreement for any reason: (a) Deposit Customer 's access to, and use of, the Service will terminate; (b) Deposit Customer  will return to the Bank any and all the Bank’s Services, equipment, software, documentation, Technology or other deliverables provided to Deposit Customer by the Bank, including any copies thereof held by Deposit Customer; and (c) each party shall return any and all Confidential Information in its possession to the party that disclosed such Confidential Information or destroy same, and, upon request, provide written verification of same. 200 0 obj <> endobj From time to time, the Bank may request Deposit Customer to provide additional information concerning Deposit Customer, including without limitation, additional financial information and the Bank may terminate this Agreement if satisfactory information is not received. Deposit Customer understands and agrees that the use of the Technology and Services is confidential and agrees to assume all risks of accidental disclosure, inadvertent use or unauthorized use by any party whatsoever, whether or not such disclosure or use is on account of Deposit Customer’s negligence. Deposit Customer further agrees that it will comply with any instructions and/or procedures regarding the Service and submission of Items that may be issued by the Bank from time to time. Checks drawn on a foreign bank or payable in a foreign currency. %PDF-1.5 2.8 "Item" means a Check, money order, cashier's check, official check, U.S Treasury check, or any other payment instrument  drawn on a financial institution within the United States from a Payor to Deposit Customer that may be transmitted as either data or image, and where applicable in the context, includes the electronic image of the front and back of an Item, in addition to other required information  as specified by  the Bank from time to time, in the format specified by the Bank from time to time. For Mac:  ONLY Twain-compliant scanners or an Ethernet-attached Magtek scanner is approved for use. In no event shall the Bank be liable for any interest on an Item that is rejected. Please refer to the scanner User Manual to determine if it is TWAIN compatible. 2.13 "Term" shall mean the term of this Agreement beginning as of the Service Start Date until terminated as provided herein. THE BANK AND ITS SUBCONTRACTORS DO NOT WARRANT THE ACCURACY, RELIABILITY, COMPLETENESS OR TIMELINESS OF THE CONTENT OF INTERNET WEBSITES OR OTHER DATA RECEIVED BY DEPOSIT CUSTOMER OR PAYORS VIA THE INTERNET.

%%EOF 1. We're proud to be a locally-run community bank. Any software provided by the Bank or its subcontractors pursuant to the Service shall be considered Software as defined in the End User License Agreement Terms for the Downloadable App of the Mobile Banking - Terms and Conditions. 2.10 "Service(s)" means the .communityCapture Service provided by the Bank including electronic check conversion and image archive systems that allow the use of a Capture Device to obtain and transmit the front and back images of Items and accompanying transaction data for the purpose of delivery to the Bank for clearing as an IRD. endobj Multi-day Limit period: 10 business days (total # of days in multi-day period) 3.8 Account Statement Examination: Unless Deposit Customer notifies the Bank of any errors to deposits made through the Service within 60 days after the applicable account statement is mailed or otherwise provided to Deposit Customer, such statement regarding all deposits made through the Service shall be deemed to be correct. Deposited Item Limit: $5,000.00 (no single item may be greater than $5,000.00) DEPOSIT CUSTOMER AGREES THAT THE BANK IS LEGALLY ENTITLED TO A VALID AND UNQUALIFIED ENDORSEMENT OF DEPOSIT CUSTOMER AND DEPOSIT CUSTOMER GIVES THE BANK THE IRREVOCABLE RIGHT TO PLACE SUCH AN ENDORSEMENT ON THE ITEM. <>>> 4.3 Processing of Items: Images of Items transmitted by Deposit Customer are not considered received by the Bank until Deposit Customer has received an electronic confirmation of the receipt of the deposit from the Bank. Service and Service Terms. The following terms and conditions (the “Agreement”) apply to the Consumer Electronic Banking / Mobile Remote Deposit Capture Service (the “ .communityCapture Service”) that Barrington Bank & Trust Company, N.A. Our team of experts is ready to help you manage your wealth. 2.6 "Deposit Customer" means any person(s) that:  has an established Checking, Savings or Money Market deposit account for personal, family or household purposes with the Bank and has had no more than six overdraft occurrences within the past or current calendar year. Demand drafts or remotely created checks lacking the original signature of the person authorizing the check. paper checks created from an electronic image), Checks that are irregular in any way (e.g. (the “Bank”) may provide to its Deposit Customers.

6.1(A) DEPOSIT CUSTOMER WARRANTY: DEPOSIT CUSTOMER REPRESENTS AND WARRANTS TO THE BANK THAT: (1) DEPOSIT CUSTOMER HAS THE AUTHORITY TO ENTER INTO THIS AGREEMENT AND PERFORM ITS OBLIGATIONS HEREUNDER AND ALL INFORMATION SUPPLIED BY DEPOSIT CUSTOMER TO THE BANK IS ACCURATE AND TRUE; (2) DEPOSIT CUSTOMER WILL PROVIDE ALL REASONABLE ASSISTANCE TO THE BANK AND ITS SUBCONTRACTORS IN PROVIDING THE SERVICE SET FORTH HEREIN; (3) DEPOSIT CUSTOMER AND ANY AUTHORIZED USERS WILL ONLY USE THE SERVICE FOR LAWFUL PURPOSES AND IN COMPLIANCE WITH ALL APPLICABLE RULES AND REGULATIONS AND WITH THE BANK'S REASONABLE INSTRUCTIONS, RULES, POLICIES, SPECIFICATIONS, TERMS AND CONDITIONS, AND OPERATING  PROCEDURES  AND WILL NOT VIOLATE ANY LAW OF ANY COUNTRY OR THE INTELLECTUAL PROPERTY RIGHTS OF ANY THIRD PARTY; (4) DEPOSIT CUSTOMER  HAS ONLY TRANSMITTED ACCEPTABLE ITEMS FOR DEPOSIT AND HAS HANDLED THE ORIGINAL ITEMS FOLLOWING  TRANSMISSION TO THE BANK AS AGREED TO OR DIRECTED BY THE BANK AND IN ACCORDANCE WITH APPLICABLE LAW; (5) DEPOSIT CUSTOMER IS A PERSON AUTHORIZED TO ENFORCE EACH ITEM OR IS AUTHORIZED TO OBTAIN PAYMENT OF EACH ITEM ON BEHALF OF A PERSON ENTITLED TO ENFORCE AN ITEM; (6) THE ITEMS HAVE NOT BEEN ALTERED; (7) EACH ITEM BEARS ALL APPLICABLE ENDORSEMENTS IN A RESTRICTED FORMAT AS DIRECTED BY THE BANK ; (8) ALL THE WARRANTIES  SET FORTH IN AND SUBJECT TO THE TERMS OF 4-207 OF THE  UNIFORM COMMERCIAL CODE AS ADOPTED IN THE STATE OF ILLINOIS, AND AS MAY BE MODIFIED FROM TIME TO TIME, AS WELL AS ANY OTHER APPLICABLE SECTION THEREOF; (9) (a) THE ELECTRONIC  IMAGE PORTION OF EACH ITEM ACCURATELY AND LEGIBLY REPRESENTS ALL OF THE INFORMATION ON THE FRONT AND BACK OF THE ORIGINAL CHECK AS OF THE TIME THE ORIGINAL CHECK WAS TRUNCATED, (b) THE INFORMATION PORTION OF THE ITEM CONTAINS A RECORD OF ALL APPLICABLE MICR-LINE INFORMATION REQUIRED FOR A SUBSTITUTE  CHECK, AND (c) THE ITEM CONFORMS  TO THE TECHNICAL  STANDARDS  FOR AN ELECTRONIC  ITEM AS SPECIFIED  BY THE BANK FROM TIME TO TIME; (10) DEPOSIT CUSTOMER WILL SUBMIT ONLY ONE ACCURATE AND CLEAR IMAGE OF THE FRONT AND BACK OF EACH ITEM TO THE BANK ONLY ONE TIME; (11) DEPOSIT CUSTOMER  WILL NOT DEPOSIT THE ORIGINAL ITEM 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; (12) THE AMOUNT OF AN ITEM, AND SUCH OTHER INFORMATION CONTAINED  IN SUCH ITEM WHICH IS ACCURATE AND COMPLETE. endobj Deposit Customer agrees to retain and safeguard the original Item for at least 14 days after transmittal of the Item. After 14 days and subject to Deposit Customer’s verification that the funds associated with the Item have been added to Deposit Customer’s account balance, Deposit Customer agrees to mark the Item “VOID” and properly dispose of the Item by shredding or another commercially acceptable means of data destruction.