Common use of ELECTRONIC FUNDS TRANSFER (EFT Clause in Contracts

ELECTRONIC FUNDS TRANSFER (EFT. If you have identified a checking or savings account from which the money will be withdrawn, you may authorize us to withdraw funds by EFT for contributions into your account. EFT contributions can be made online or by calling the Plan. The Plan may place a limit on the total dollar amount per day you may contribute to an account by EFT. EFT purchase requests that are received in good order: • Before 3:00 p.m. Central Time will be given a trade date of that business day and will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the next business day after the request is received; or • After 3:00 p.m. Central Time will be given a trade date of the next business day after the date the request is received, and they will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the second business day after the request is received. Checks Checks should be made payable to “NEST Advisor Plan.” A contribution by mail coupon should accompany the check. Contribution by mail coupons are sent to you when an account is opened and in statement mailings. You can also download a contribution coupon from XXXX000Xxxxxxx.xxx. If a coupon is not available, include the account number(s) and name of the Beneficiary on the check or include separate written instructions. All checks must be in good order. Some checks that will also not be accepted include: travelers checks, foreign checks, checks dated more than 180 days from the date of receipt, post-dated checks, checks with unclear instructions, starter checks or counter checks, credit card or bank courtesy checks, promotional checks, third-party personal checks over $10,000, instant loan checks and any other check we deem unacceptable. Money orders are not accepted. Third-party personal checks must be payable to you or the Beneficiary and be properly endorsed by you or the Beneficiary to the Plan. The account owner is responsible for any losses or expenses incurred in the Investment Options in the event of a returned check. Checks should be made payable to “NEST Advisor Plan” and can be sent to the following address: Mailing address: NEST Advisor Plan P.O. Box 84529 Lincoln, NE 68501-4529 Overnight or courier address: NEST Advisor Plan 0000 Xxxxx 00xx Xxxxxx Xxxxxxx, XX 00000 Wire transfer Wire transfers are initiated from the contributor’s financial institution. Please call the Plan to obtain information regarding wire transfers. Payroll direct deposit Contributions can be made into a Plan account from a paycheck if the employer permits direct deposit. Payroll direct deposit is made with after-tax dollars. Account owners initiate payroll direct deposit and any changes directly with their employer. Mistakes made by the employer can only be remedied between the employee and the employer. The Plan will not take any responsibility for mistakes made by the employer or employee. You must complete payroll direct deposit instructions by logging into your account at XXXX000Xxxxxxx.xxx, selecting the payroll direct deposit option and designating the contribution amount in the instructions. You will need to print these instructions and submit them to your employer. The Class A initial sales charge may be waived for accounts opened with payroll direct deposit. See “Part 12 – Plan Fees and Expenses.” Please call the Plan for further instructions on establishing direct deposit from your paycheck. Rollover Contributions may also be made by a rollover or direct transfer of funds from another qualified tuition program. Rollovers from another qualified tuition program are treated as a non-taxable distribution from the distributing qualified tuition program provided (1) it has been more than 12 months since any previous rollover for the Beneficiary, or (2) the Beneficiary of the account is changed to a Member of the Family of the current Beneficiary. If an account owner has both Age-Based Investment Option account(s) and a Static Investment Option/Individual Fund Investment Option account, a rollover into all such accounts will be treated as a single rollover for purposes of the 12-month rule, if the rollovers are made prior to closing on the same trading day. To initiate a rollover from another 529 qualified tuition program you must first open a Plan account. You have the option of withdrawing funds from the former account and, if that is the case, you must deposit the funds within 60 days into either (1) another account for the benefit of another Beneficiary who is a Member of the Family of the former Beneficiary, or (2) an account for the benefit of the same Beneficiary. You may instruct the Plan to contact an out-of-state 529 qualified tuition program directly to request that funds from your account in that program be sent to the Plan. Check with your Financial Advisor or the other 529 qualified tuition program first to determine the best approach for you to take. You can call the Plan for further instructions. Under Internal Revenue Service (IRS) guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from an out-of-state 529 qualified tuition program is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the rollover contribution. Account owners who are Nebraska taxpayers who roll over funds into the Plan may be eligible for a Nebraska state income tax deduction. See “Part 14 – Federal and State Tax Considerations.” The 529 qualified tuition program from which you are transferring funds may impose other restrictions on a rollover, such as the recapture of any state income tax deduction previously claimed, so you should investigate this option thoroughly before requesting a transfer. Xxxxxxxxx Education Savings Account Contributions may also be made by a rollover or direct transfer of funds from a Xxxxxxxxx Education Savings Account (“CESA”) (formerly known as an Education IRA). Amounts distributed from a CESA and contributed to an account may be treated as non-taxable distributions from the CESA. Check with your Financial Advisor for more information and instructions. Under IRS guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from a CESA is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the contribution.

ELECTRONIC FUNDS TRANSFER (EFT. If you have identified a checking or savings account from which the money will be withdrawn, you may authorize us to withdraw funds by EFT for contributions into your account. EFT contributions can be made online or by calling the Plan. The Plan may place a limit on the total dollar amount per day you may contribute to an account by EFT. EFT purchase requests that are received in good order: • Before 3:00 p.m. Central Time will be given a trade date of that business day and will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the next business day after the request is received; or • After 3:00 p.m. Central Time will be given a trade date of the next business day after the date the request is received, and they will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the second business day after the request is received. Checks Checks should be made payable to “NEST Advisor Bloomwell 529 Education Savings Plan.” A contribution by mail coupon should accompany the check. Contribution by mail coupons are sent to you when an account is opened and in statement mailings. You can also download a contribution coupon from XXXX000Xxxxxxx.xxxthe Plan’s website. If a coupon is not available, include the account number(s) and name of the Beneficiary on the check or include separate written instructions. All checks must be in good order. Some checks that will also not be accepted include: travelers checks, foreign checks, checks dated more than 180 days from the date of receipt, post-dated checks, checks with unclear instructions, starter checks or counter checks, credit card or bank courtesy checks, promotional checks, third-party personal checks over $10,000, instant loan checks and any other check we deem unacceptable. Money orders are not accepted. Third-party personal checks must be payable to you or the Beneficiary and be properly endorsed by you or the Beneficiary to the Plan. The account owner is responsible for any losses or expenses incurred in the Investment Options in the event of a returned check. Checks should be made payable to “NEST Advisor Bloomwell 529 Education Savings Plan” and can be sent to the following address: Mailing address: NEST Advisor Bloomwell 529 Education Savings Plan P.O. Box 84529 85529 Lincoln, NE 68501-4529 Overnight 5529 For faster delivery, consider using the overnight or courier address: NEST Advisor Bloomwell 529 Education Savings Plan 0000 Xxxxx 00xx Xxxxxx Xxxxxxx, XX 00000 Wire transfer Wire transfers are initiated from the contributor’s financial institution. Please call the Plan to obtain information regarding wire transfers. Payroll direct deposit Contributions can be made into a Plan account from a paycheck if the employer permits direct deposit. Payroll direct deposit is made with after-tax dollars. Account owners initiate payroll direct deposit and any changes directly with their employer. Mistakes made by the employer can only be remedied between the employee and the employer. The Plan will not take any responsibility for mistakes made by the employer or employee. You must complete payroll direct deposit instructions by logging into your account at XXXX000Xxxxxxx.xxxaccount, selecting the payroll direct deposit option and designating the contribution amount in the instructions. You will need to print these instructions and submit them to your employer. The Class A initial sales charge may be waived for accounts opened with payroll direct deposit. See “Part 12 – Plan Fees and Expenses.” Please call the Plan for further instructions on establishing direct deposit from your paycheck. Rollover Contributions may also be made by a rollover or direct transfer of funds from another 529 qualified tuition program. Rollovers from another qualified tuition program are treated as a non-taxable distribution from the distributing qualified tuition program provided (1) it has been more than 12 months since any previous rollover for the Beneficiary, or (2) the Beneficiary of the account is changed to a Member of the Family of the current Beneficiary. If an account owner has both Age-Based Investment Option account(s) and a Static Investment Option/Individual Fund Investment Option account, a rollover into all such accounts will be treated as a single rollover for purposes of the 12-month rule, if the rollovers are made prior to closing on the same trading day. To initiate a rollover from another 529 qualified tuition program you must first open a Plan account. You have the option of withdrawing funds from the former account and, if that is the case, you must deposit the funds within 60 days into either (1) another account for the benefit of another Beneficiary who is a Member of the Family of the former Beneficiary, or (2) an account for the benefit of the same Beneficiary. You may instruct the Plan to contact an out-of-state 529 qualified tuition program directly to request that funds from your account in that program be sent to the Plan. Check with your Financial Advisor or the other 529 qualified tuition program first to determine the best approach for you to take. You can call the Plan for further instructions. Under Internal Revenue Service (IRS) guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from an out-of-state 529 qualified tuition program is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the rollover contribution. Account owners who are Nebraska taxpayers who roll over funds into the Plan may be eligible for a Nebraska state income tax deduction. See “Part 14 – Federal and State Tax Considerations.” The 529 qualified tuition program from which you are transferring funds may impose other restrictions on a rollover, such as the recapture of any state income tax deduction previously claimed, so you should investigate this option thoroughly before requesting a transfer. Xxxxxxxxx Education Savings Account Contributions may also be made by a rollover or direct transfer of funds from a Xxxxxxxxx Education Savings Account (“CESA”) (formerly known as an Education IRA). Amounts distributed from a CESA and contributed to an account may be treated as non-taxable distributions from the CESA. Check with your Financial Advisor for more information and instructions. Under IRS guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from a CESA is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the contribution.provided

ELECTRONIC FUNDS TRANSFER (EFT. If you have identified a checking or savings account from which the money will be withdrawn, you may authorize us to withdraw funds by EFT for contributions into your account. EFT contributions can be made online or by calling the Plan. The Plan may place a limit on the total dollar amount per day you may contribute to an account by EFT. EFT purchase requests that are received in good order: • Before 3:00 3 p.m. Central Time will be given a trade date of that business day and will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the next business day after the request is received; or • After 3:00 3 p.m. Central Time will be given a trade date of the next business day after the date the request is received, and they will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the second business day after the request is received. Checks Checks should be made payable to “NEST Advisor State Farm 529 Savings Plan.” A contribution by mail coupon should accompany the check. Contribution by mail coupons are sent to you when an account is opened and in statement mailings. You can also download a contribution coupon from XXXX000Xxxxxxx.xxxXxxxxXxxx.xxx. If a coupon is not available, include the account number(s) and name of the Beneficiary on the check or include separate written instructions. All checks must be in good order. Some checks that will also not be accepted include: travelers checks, foreign checks, checks dated more than 180 days from the date of receipt, post-dated checks, checks with unclear instructions, starter checks or counter checks, credit card or bank courtesy checks, promotional checks, third-third- party personal checks over $10,000, instant loan checks and any other check we deem unacceptable. Money orders are not accepted. Third-party personal checks must be payable to you or the Beneficiary and be properly endorsed by you or the Beneficiary to the State Farm 529 Savings Plan. The account owner is responsible for any losses or expenses incurred in the Investment Options in the event of a returned check. Checks should be made payable to “NEST Advisor State Farm 529 Savings Plan” and can be sent to the following address: • Mailing address: NEST Advisor State Farm 529 Savings Plan P.O. Box 84529 86529 Lincoln, NE 68501-4529 6529 For faster delivery, consider using the overnight or courier address. • Overnight or courier address: NEST Advisor State Farm 529 Savings Plan 0000 Xxxxx 00xx Xxxxxx Xxxxxxx, XX 00000 Wire transfer Wire transfers are initiated from the contributor’s financial institution. Please call the Plan to obtain information regarding wire transfers. Payroll direct deposit Contributions can be made into a Plan account from a paycheck if the employer permits direct deposit. Payroll direct deposit is made with after-tax dollars. Account owners initiate payroll direct deposit and any changes directly with their employer. Mistakes made by the employer can only be remedied between the employee and the employer. The Plan will not take any responsibility for mistakes made by the employer or employee. You must complete payroll direct deposit instructions by logging into your account at XXXX000Xxxxxxx.xxxXxxxxXxxx.xxx, selecting the payroll direct deposit option and designating the contribution amount in the instructions. You will need to print these instructions and submit them to your employer. The Class A initial sales charge may be waived for accounts opened with payroll direct deposit. See “Part 12 – Plan Fees and Expenses.” Please call the Plan for further instructions on establishing direct deposit from your paycheck. Rollover Contributions may also be made by a rollover or direct transfer of funds from another 529 qualified tuition program. Rollovers from another qualified tuition program are treated as a non-taxable distribution from the distributing qualified tuition program provided (1) it has been more than 12 months since any previous rollover for the Beneficiary, or (2) the Beneficiary of the account is changed to a Member of the Family of the current Beneficiary. If an account owner has both an Age-Based Investment Option account(s) account and a Static Investment Option/Individual Fund Investment Option account, a rollover into all such accounts will be treated as a single rollover for purposes of the 12-month rule, if the rollovers are made prior to closing on the same trading day. To initiate a rollover from another an out-of-state 529 qualified tuition program you must first open a Plan account. You have the option of withdrawing funds from the former account and, if that is the case, you must deposit the funds within 60 days into either (1) another account for the benefit of another Beneficiary who is a Member of the Family of the former Beneficiary, or (2) an account for the benefit of the same Beneficiary. You may instruct the Plan to contact an out-of-state 529 qualified tuition program directly to request that funds from your account in that program be sent to the Plan. Check with your Financial Advisor or State Farm Registered Representative and the other 529 qualified tuition program first to determine the best approach for you to take. You can call the Plan for further instructions. Under Internal Revenue Service (IRS) guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from an out-of-of- state 529 qualified tuition program is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the rollover contribution. Account owners who are Nebraska taxpayers who roll over funds into the Plan may be eligible for a Nebraska state income tax deduction. See “Part 14 – Federal and State Tax Considerations.” The 529 qualified tuition program from which you are transferring funds may impose other restrictions on a rollover, such as the recapture of any state income tax deduction previously claimed, so you should investigate this option thoroughly before requesting a transfer. Xxxxxxxxx Education Savings Account Contributions may also be made by a rollover or direct transfer of funds from a Xxxxxxxxx Education Savings Account (“CESA”) (formerly known as an Education IRA). Amounts distributed from a CESA and contributed to an account may be treated as non-taxable distributions from the CESA. The Program Manager will waive the Up-Front Sales Load for a rollover of funds representing proceeds of a BlackRock® Xxxxxxxxx Education Savings Account. Check with your Financial Advisor State Farm Registered Representative for more information and instructions. Under IRS guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from a CESA is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the contribution.

ELECTRONIC FUNDS TRANSFER (EFT. If you have identified a checking or savings account from which the money will be withdrawn, you may authorize us to withdraw funds by EFT for contributions into your account. EFT contributions can be made online or by calling the Plan. The Plan may place a limit on the total dollar amount per day you may contribute to an account by EFT. EFT purchase requests that are received in good order: • Before 3:00 p.m. Central Time will be given a trade date of that business day and will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the next business day after the request is received; or • After 3:00 p.m. Central Time will be given a trade date of the next business day after the date the request is received, and they will be effective at that day’s closing price for the applicable Investment Option. In such cases, the EFT debit from your bank account will occur on the second business day after the request is received. Checks Checks should be made payable to “NEST Advisor Direct Plan.” A contribution by mail coupon should accompany the check. Contribution by mail coupons are sent to you when an account is opened and in statement mailings. You can also download a contribution coupon from XXXX000Xxxxxxx.xxxXXXX000.xxx. If a coupon is not available, include the account number(s) and name of the Beneficiary on the check or include separate written instructions. All checks must be in good order. Some checks that will also not be accepted include: travelers checks, foreign checks, checks dated more than 180 days from the date of receipt, post-dated checks, checks with unclear instructions, starter checks or counter checks, credit card or bank courtesy checks, promotional checks, third-party personal checks over $10,000, instant loan checks and any other check we deem unacceptable. Money orders are not accepted. Third-party personal checks must be payable to you or the Beneficiary and be properly endorsed by you or the Beneficiary to the Plan. The account owner is responsible for any losses or expenses incurred in the Investment Options in the event of a returned check. Checks should be made payable to “NEST Advisor Direct Plan” and can be sent to the following address: Mailing address: NEST Advisor Direct Plan P.O. Box 84529 83529 Lincoln, NE 68501-4529 3529 Overnight or courier address: NEST Advisor Direct Plan 0000 Xxxxx 00xx Xxxxxx Xxxxxxx, XX 00000 Wire transfer Wire transfers are initiated from the contributor’s financial institution. Please call the Plan to obtain information regarding wire transfers. Payroll direct deposit Contributions can be made into a Plan account from a paycheck if the employer permits direct deposit. Payroll direct deposit is made with after-tax dollars. Account owners initiate payroll direct deposit and any changes directly with their employer. Mistakes made by the employer can only be remedied between the employee and the employer. The Plan will not take any responsibility for mistakes made by the employer or employee. You must complete payroll direct deposit instructions by logging into your account at XXXX000Xxxxxxx.xxxXXXX000.xxx, selecting the payroll direct deposit option and designating the contribution amount in the instructions. You will need to print these instructions and submit them to your employer. The Class A initial sales charge may be waived for accounts opened with payroll direct deposit. See “Part 12 – Plan Fees and Expenses.” Please call the Plan for further instructions on establishing direct deposit from your paycheck. Rollover Contributions may also be made by a rollover or direct transfer of funds from another 529 qualified tuition program. Rollovers from another qualified tuition program are treated as a non-taxable distribution from the distributing qualified tuition program provided (1) it has been more than 12 months since any previous rollover for the Beneficiary, or (2) the Beneficiary of the account is changed to a Member of the Family of the current Beneficiary. If an account owner has both Age-Based Investment Option account(s) and a Static Investment Option/Individual Fund Investment Option account, a rollover into all such accounts will be treated as a single rollover for purposes of the 12-month rule, if the rollovers are made prior to closing on the same trading day. To initiate a rollover from another 529 qualified tuition program you must first open a Plan account. You have the option of withdrawing funds from the former account and, if that is the case, you must deposit the funds within 60 days into either (1) another account for the benefit of another Beneficiary who is a Member of the Family of the former Beneficiary, or (2) an account for the benefit of the same Beneficiary. You may instruct the Plan to contact an out-of-state 529 qualified tuition program directly to request that funds from your account in that program be sent to the Plan. Check with your Financial Advisor or the other 529 qualified tuition program first to determine the best approach for you to take. You can call the Plan for further instructions. Under Internal Revenue Service (IRS) guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from an out-of-state 529 qualified tuition program is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the rollover contribution. Account owners who are Nebraska taxpayers who roll over funds into the Plan may be eligible for a Nebraska state income tax deduction. See “Part 14 – Federal and State Tax Considerations.” The 529 qualified tuition program from which you are transferring funds may impose other restrictions on a rollover, such as the recapture of any state income tax deduction previously claimed, so you should investigate this option thoroughly before requesting a transfer. Xxxxxxxxx Education Savings Account Contributions may also be made by a rollover or direct transfer of funds from a Xxxxxxxxx Education Savings Account (“CESA”) (formerly known as an Education IRA). Amounts distributed from a CESA and contributed to an account may be treated as non-taxable distributions from the CESA. Check with your Financial Advisor for more information and instructions. Under IRS guidance, the Program Manager is required to assume that the entire amount of any contribution that is a rollover contribution from a CESA is earnings in the account receiving the contribution unless the Program Manager receives appropriate documentation showing the actual earnings portion of the contribution.or