Common use of Important Information About Your Checking Account Clause in Contracts

Important Information About Your Checking Account. i. Substitute Checks and Your Rights: What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks”. These checks are similar in size to original checkswith a slightlyreduced image of the front and backofthe original check. The front of a substitute checkstates: “This is a legal copyofyourcheck. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks thatyou receive backfrom us maybe substitute checks. This notice describes rightsyou have when you receive substitute checks from us.The rights in this notice do not applyto original checks or to electronic debits toyour account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allowsyou to request a refund for lossesyou suffer if a substitute checkis posted toyouraccount (forexample, ifyou thinkwe withdrew thewrong amount fromyour account orthat wewithdrew money from your account more than oncefor the same check).The lossesyou mayattempt to recover under this procedure mayinclude the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, overdraftfees). The amount ofyourrefund underthis procedure is limited to the amount ofyour lossorthe amount of the substitute check, whichever is less. You also are entitled to interest on the amount ofyour refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. Ifyou use this procedure, you mayreceive up to $2,500.00 ofyour refund (plus interest if your account is an interest-bearing account) within 10 business days after we receivedyourclaim and the remainderofyour refund (plus interest ifyour account is an interest-bearing account) not later than 45 calendar days after we received your claim. Wemayreversethe refund (including anyintereston the refund) if welater areable to demonstrate that the substitute check was correctlyposted toyour account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and was posted to your account, please contact us using the contact information listed at the beginning of this Agreement. You must contact us within 40 calendar days of the datewe mailed (or otherwise delivered bya means towhichyou agreed) the substitute check in question or the account statement showing that the substitute check was posted toyour account, whichever is later. Wewill extend this time period if you were not able to make a timelyclaim because of extraordinarycircumstances. Your claim must include:

Important Information About Your Checking Account. i. Substitute Checks and Your Rights: What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks”. These checks are similar in size to original checkswith a slightlyreduced image of the ofthe front and backofthe original xxxxxx theoriginal check. The front of a substitute checkstates: “This is a legal copyofyourcheck. You can Youcan use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks thatyou thechecks that you receive backfrom us maybe substitute checks. .This notice describes noticedescribes rightsyou have when havewhen you receive substitute receivesubstitute checks from us.The rights in this notice do not applyto original checks or to electronic apply tooriginal checksor toelectronic debits toyour account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that procedurethat allowsyou to request torequest a refund for refundfor lossesyou suffer if a substitute checkis posted toyouraccount (forexampletoyouraccount(forexample, ifyou thinkwe withdrew thewrong ifyouthinkwe withdrewthewrong amount fromyour account orthat wewithdrew fromyouraccountorthatwewithdrew money from your account more than oncefor the same check).The lossesyou youraccount morethan onceforthe samecheck).Thelossesyou mayattempt to recover under this procedure mayinclude the recoverunderthisproceduremayincludethe amount that was withdrawn waswithdrawn from your account youraccount and fees that were charged werecharged as a result of the withdrawal (for example, ,overdraftfees). The amount ofyourrefund underthis procedure is limited to the amount ofyour Theamountofyourrefundunderthisprocedureis limitedtotheamountofyour lossorthe amount of the substitute checksubstitutecheck, whichever is less. You also are entitled to interest on the amount ofyour refund if your account youraccount is an interest-bearing account. If your loss yourloss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawunderotherlaw. Ifyou use this procedureusethisprocedure, you mayreceive up to $2,500.00 ofyour refund to$2,500.00 ofyourrefund (plus interest if your account is an interest-bearing account) within 10 business days after we receivedyourclaim within10 businessdaysafter wereceivedyourclaim and the remainderofyour refund theremainderofyourrefund (plus interest ifyour account plusinterest ifyouraccount is an interest-bearing account) not later than 45 calendar days after we received your claimyourclaim. Wemayreversethe refund Wemayreversetherefund (including anyintereston the anyinterestonthe refund) if welater areable ifwelaterareable to demonstrate that the substitute check was correctlyposted toyour accountdemonstratethat thesubstitutecheck wascorrectlyposted toyouraccount. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that checkthat you received and was posted to your toyour account, please contact us using the contact information listed at the beginning of this Agreement. You must contact us within 40 calendar days of calendardaysof the datewe mailed datewemailed (or otherwise delivered orotherwisedelivered bya means towhichyou meanstowhichyou agreed) the substitute check in question or the account statement showing that the substitute check was posted toyour account, whichever is later. Wewill extend this time thistime period if you were not ifyou werenot able to make a makea timelyclaim because of extraordinarycircumstances. Your claim must include:

Important Information About Your Checking Account. i. Substitute Checks and Your Rights: What is a substitute check? To make Tomake check processing faster, federal law permits banks to replace original checks with “substitute checks”. These checks are similar in size to original checkswith a slightlyreduced image of slightly reduced imageof the front and backofthe xxxxxx the original check. The front of a ofa substitute checkstates: “This is a legal copyofyourcheck. You can use it the same way you would use the original check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks thatyou checksthatyou receive backfrom us maybe substitute checks. .This notice describes rightsyou have when havewhen you receive substitute checks receivesubstitutechecks from us.The rights in this notice do not applyto apply to original checks or checksor to electronic debits toyour account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that procedurethat allowsyou to request a refund for lossesyou requesta refundforlossesyou suffer if a substitute asubstitute checkis posted toyouraccount (forexampletoyouraccount(forexample, ifyou thinkwe withdrew thewrong withdrewthewrong amount fromyour account orthat wewithdrew fromyouraccount orthatwewithdrew money from your account more than oncefor the same check).The lossesyou youraccountmorethan onceforthe samecheck).Thelossesyou mayattempt to recover under this procedure mayinclude the recoverunderthisproceduremayincludethe amount that was withdrawn waswithdrawn from your account youraccount and fees that were charged feesthat werecharged as a result of the withdrawal (for withdrawal(for example, ,overdraftfees). The amount ofyourrefund underthis procedure is limited to the amount ofyour Theamountofyourrefundunderthisprocedureislimitedtotheamountofyour lossorthe amount of the substitute checksubstitutecheck, whichever is less. You also Youalso are entitled to interest on the amount ofyour refund if your ifyour account is an interest-bearing account. If your loss exceeds Ifyour lossexceeds the amount of the substitute check, you may be able to recover additional amounts under other lawunderotherlaw. Ifyou use this procedure, you mayreceive youmayreceive up to $2,500.00 ofyour refund to$2,500.00 ofyourrefund (plus interest if your account is an interest-bearing account) within 10 business days after we receivedyourclaim within10 businessdaysafter wereceivedyourclaim and the remainderofyour refund remainderofyourrefund (plus interest ifyour account plusinterest ifyouraccount is an interest-bearing account) not later than 45 calendar days after we received your claimreceivedyourclaim. Wemayreversethe refund (including anyintereston the refundWemayreversetherefund(including anyinterestontherefund) if welater areable ifwelaterareable to demonstrate that the substitute check was correctlyposted toyour accountsubstitutecheck wascorrectlyposted toyouraccount. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that checkthat you received and was posted to your account, please contact us using the contact information listed at the beginning of this Agreement. You must contact mustcontact us within 40 calendar days of calendardaysof the datewe mailed datewemailed (or otherwise delivered orotherwisedelivered bya means towhichyou meanstowhichyou agreed) the substitute check in question or the account statement showing that the substitute check was posted toyour accounttoyouraccount, whichever is later. Wewill extend this time period if you were not thistimeperiod ifyou werenot able to make a tomakea timelyclaim because of extraordinarycircumstances. Your claim must include:

Important Information About Your Checking Account. i. Substitute Checks and Your Rights: What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with “substitute checks”. These ͞ƐƵďƐĐƚŚŝĞƚĐƵTŬhƚeƐsĞe͘͟ checks are similar in size to original checkswith a slightlyreduced image of the ofthe front and backofthe original backoftheoriginal check. The front of frontof a substitute checkstates: “This ͞dŚŝƐ is a legal copyofyourcheck. You can Youcan use it the same way you would use the original check.” You may use a substitute ŽƌŝŐŝŶĂYoůu mĐayŚusĞe aĐsuŬbs͘tit͟ute check as proof of payment just like the original check. Some or Someor all of the checks thechecks thatyou receive backfrom us maybe substitute checks. .This notice describes noticedescribes rightsyou have when you receive substitute havewhenyou receivesubstitute checks from us.The rights in this notice do not applyto original checks or to electronic applytooriginal checksor toelectronic debits toyour accounttoyouraccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that procedurethat allowsyou to request torequest a refund for lossesyou refundforlossesyou suffer if a substitute checkis posted toyouraccount (forexampletoyouraccount(forexample, ifyou thinkwe withdrew thewrong amount fromyour account orthat wewithdrew ifyouthinkwe withdrewthewrongamount fromyouraccountorthatwewithdrew money from your account more than oncefor the same check).The lossesyou youraccountmorethanonceforthe samecheck).Thelossesyou mayattempt to recover under this procedure mayinclude the recoverunderthisproceduremayincludethe amount that was withdrawn waswithdrawn from your account and fees that were charged werecharged as a result of the withdrawal (for withdrawal(for example, ,overdraftfees). The amount ofyourrefund underthis procedure is limited to the amount ofyour Theamountofyourrefundunderthisprocedureis limitedtotheamountofyour lossorthe amount of the substitute checksubstitutecheck, whichever is less. You also are entitled areentitled to interest on the amount ofyour refund if your account youraccount is an interest-bearing account. If your loss yourloss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawunderotherlaw. Ifyou use this procedureusethisprocedure, you mayreceive up to $2,500.00 ofyour refund to$2,500.00 ofyourrefund (plus interest if your account is an interest-bearing account) within 10 business days after we receivedyourclaim within10 businessdaysafter wereceivedyourclaim and the remainderofyour refund theremainderofyourrefund (plus interest ifyour account plusinterest ifyouraccount is an interest-bearing account) not later than 45 calendar days after we afterwe received your claimyourclaim. Wemayreversethe refund Wemayreversetherefund (including anyintereston the anyinterestonthe refund) if welater areable ifwelaterareable to demonstrate that the substitute check was correctlyposted toyour accountdemonstratethat thesubstitutecheck wascorrectlyposted toyouraccount. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that checkthat you received and was posted to your toyour account, please contact us using the contact information listed at the beginning of this Agreement. You must contact us within 40 calendar days of calendardaysof the datewe mailed datewemailed (or otherwise delivered orotherwisedelivered bya means towhichyou meanstowhichyou agreed) the substitute check in question or the account statement showing that the substitute check was posted toyour accounttoyouraccount, whichever is later. Wewill extend this time thistime period if you were not able to make a ifyouwerenot ableto makea timelyclaim because of extraordinarycircumstances. Your claim must include: