Common use of Claims for a Refund Clause in Contracts

Claims for a Refund. If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at one of the methods listed above. You must contact us within forty (40) days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: ● A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); ● An estimate of the amount of your loss; ● An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and ● A copy of the substitute check and/or the following information to help us identify the substitute check: the account number, the check number, the name of the person to whom you wrote the check, the date paid, and the amount of the check. Substitute checks should only be generated by banks during the check collection process. If you deposit a substitute check that was not generated or previously handled by us, you agree to provide the substitute check warranties as required by Check 21, and represent that the substitute check: ● is properly generated and accurately, clearly and completely represents all the information on the front and back of the original check as of the time the original check was truncated ● bears a magnetic ink character recognition (MICR) encoded line that is suitable for automated processing in the same manner as the original check ● has not previously been paid by the drawee bank, and ● is not fraudulent A breach of any Check 21 warranty may result in the substitute check being charged back against your account.

Claims for a Refund. If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at one of the methods listed above. You must contact us within forty (40) days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: ● A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); ● An estimate of the amount of your loss; ● An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and ● A copy of the substitute check and/or the following information to help us identify the substitute check: the account number, the check number, the name of the person to whom you wrote the check, the date paid, and the amount of the check. Substitute checks should only be generated by banks during the check collection process. If you deposit a substitute check that was not generated or previously handled by us, you agree to provide the substitute check warranties as required by Check 21, and represent that the substitute check: ● is properly generated and accurately, clearly and completely represents all the information on the front and back of the original check as of the time the original check was truncated ● bears a magnetic ink character recognition (MICR) encoded line that is suitable for automated processing in the same manner as the original check ● has not previously been paid by the drawee bank, and ● is not fraudulent A breach of any Check 21 warranty may result in the substitute check being charged back against your account.

Claims for a Refund. If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at one as set forth in the “How to Contact Us” section of the methods listed aboveDisclosures. You must contact us within forty (40) days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account Account statement showing that the substitute check was posted to your accountAccount, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: ● ▪ A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); ● ▪ An estimate of the amount of your loss; ● ▪ An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and ● ▪ A copy of the substitute check and/or the following information to help us identify the substitute check: the account number, the check number, the name of the person to whom you wrote the check, the date paid, and the amount of the check. Substitute checks should only be generated by banks during the check collection process. If you deposit a substitute check that was not generated or previously handled by us, you agree to provide the substitute check warranties as required by Check 21, and represent that the substitute check: ● is ▪ Is properly generated and accurately, clearly clearly, and completely represents all the information on the front and back of the original check as of the time the original check was truncated ● bears truncated; ▪ Bears a magnetic ink character recognition (MICR) encoded line that is suitable for automated processing in the same manner as the original check ● has check; ▪ Has not previously been paid by the drawee bank, ; and ● is ▪ Is not fraudulent fraudulent. A breach of any Check 21 warranty may result in the substitute check being charged back against your accountAccount.

Claims for a Refund. If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us by email at one of the methods listed abovexxxxxxx@xxxxx.xxx. You must contact us within forty (40) 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: ● A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); ● An estimate of the amount of your loss; ● An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and ● A copy of the substitute check and/or the following information to help us identify the substitute check: the account number, the check number, the name of the person to whom you wrote the check, the date paid, and the amount of the check. Substitute checks should only be generated by banks during the check collection process. If you deposit a substitute check that was not generated or previously handled by us, you agree to provide the substitute check warranties as required by Check 21, and represent that the substitute check: ● is properly generated and accurately, clearly and completely represents all the information on the front and back of the original check as of the time the original check was truncated truncated, ● bears a magnetic ink character recognition (MICR) MICR encoded line that is suitable for automated processing in the same manner as the original check check, ● has not previously been paid by the drawee bank, and ● is not fraudulent fraudulent. A breach of any Check 21 warranty may result in the substitute check being charged back against your account.