Common use of Substitute Checks and Your Rights Clause in Contracts

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover ACH and check items. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 as you would the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice section do not apply to original checks or to electronic debits to your account. However, you do have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides for a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result because of the withdrawal (for example, bounced check feesa Return Deposited Item Fee). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your refund if your account is an interest-bearing account. account If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 the amount of your refund claim or $2,500, whichever is less (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund refund, if any (plus interest interest, if your account earns interest) ), not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us described in your account statement may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What Details on your rights and how to submit a claim are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows set forth in the Check 21 Disclosure provided to you to request a refund for losses when you suffer if opened your account. If you deposit a substitute check is posted to into your Account, you give us the same warranties and indemnities that we, as reconverting bank, would give under Check 21 regulations. IMAGE CHECK SAFEKEEPING: In lieu of returning each of your paid checks and other items, Bank may provide the check number, amount and date of payment in your account (for examplestatement, if you think that we withdrew the wrong amount from your account electronically or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result otherwise, together with images of the withdrawal (for example, bounced check fees). The amount front of all of your refund under this procedure canceled checks and other items displayed in check number order on a Bank Image page. As soon as an item is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you copied it may be able to recover additional amounts under other lawdestroyed. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days Within a reasonable time after we the Bank received your claim request, it will furnish a copy of both front and back of such item within the remainder required retention period. Depositor continues to be responsible for notifying Bank in writing of your refund (plus interest any unauthorized signature, lack of signature, alteration or other irregularity within the time periods described herein. TRUNCATED ACCOUNT SAFEKEEPING: Xxxxxxxxx agrees and stipulates that if your he or she selects a truncated account, in lieu of providing an image of each paid check or other item, Bank will provide to Depositor only a periodic account earns interest) statement containing a check number, amount and date of payment and will not later than 45 calendar days provide to Depositor the original checks or other items or images of such original checks or other items. As soon as an item is copied it may be destroyed. Subject to Bank’s fees and charges, within a reasonable time after we Bank received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim request 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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 an item within the Substitute Checkstatutory required retention period, it will furnish a copy of both front and back of such item. Depositor’s duties of review and notice regarding any improper account activity, including maker or endorser forgery, alteration, and/or any and all others set forth in this Agreement remain in full force and effect.

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? To make check processing faster, a federal law called the Check 21 Act permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interesta dividend-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us in writing at nbkc bank1st Community Federal Credit Union, Attn: Member Services 0000 Xxxx XxxxxxxXxxxxxxxx Xx. Xxx Xxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxXX 00000. You must contact us within 40 60 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 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 Checksubstitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check. MEMBER IN GOOD STANDING POLICY Purpose: This Member in Good Standing Policy (“Policy”) outlines your responsibilities as a member of 1st Community Federal Credit Union (“1CFCU”) and our rights to restrict accounts, products or services when you fail to meet your responsibilities. Specific agreements and disclosures also govern your membership, accounts, loans and services and are not amended or limited by this Policy. We encourage you to refer to the specific agreements and disclosures for additional details. We will provide copies of those agreements and disclosures upon your request. Member Responsibilities: As a member-owned cooperative, all members of 1CFCU have obligations to 1CFCU and to other members. In addition to complying with the requirements of any agreements, you are also responsible for fulfilling all promises you have made to 1CFCU. Additionally, you have an obligation to notify 1CFCU if your contact information changes or if there are other changes that impact your account(s), loan(s), products, services or membership (“accounts or services”). You are responsible for promptly reporting any loss or theft of a card, PIN, or password, as well as any unauthorized transactions or other suspicious or fraudulent activity on any of your accounts. It is your obligation to carefully and promptly review each periodic statement to verify that each transaction is authorized and accurate. You have a duty to cooperate with 1CFCU and any law enforcement or government agent or agency with regard to any claim of fraud, forgery, unauthorized access or any other adverse claim.

Substitute Checks and Your Rights. As our customer we think it’s important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Columbia Bank PO Box 2056 Tacoma, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, WA 98401-2056 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. SERVICES WIRE TRANSFERS AND ACH PAYMENTS - Wire transfers are subject to the Wire Transfer Terms and Conditions, as amended from time to time. A copy of the Wire Transfer Terms and Conditions is available at any branch. We have no obligation to accept incoming funds transfers for your benefit. All credits to your account(s) for a funds transfer are provisional until we receive final payment for the amount of the transfer. If we do not receive final payment, you agree to refund to us the amount of the transfer. We will not provide you with a separate notice each time we receive a wire transfer to your account. If we accept a payment through an automated clearing house (ACH), the operating rules of the National Automated Clearing House Association will apply, and we will not give you notice of the payment. Instead, incoming wires and ACH payments will be reflected on your periodic statement. If you request paper, fax or email advice for wire transfers, and we agree separately in writing to comply with such request, you agree to exercise care in maintaining your own security in the receipt of advice of wire transfers. You acknowledge that you alone assume full responsibility for maintenance of your internal security procedures to keep your information confidential. You agree that we will not be required to provide any other notice to you. NIGHT DEPOSITORY - You assume any and all risk arising out of the use of any night depository facility. You agree that we are not responsible for any loss or damage that results from a mechanical defect, act of God, or malfunction with respect to the facility itself, lock bag or any other receptacle used by you, unless such damage or loss is caused by our gross negligence or deliberate malfeasance. You further agree that we will not be responsible for any loss or personal or pecuniary injury occasioned by the use of the night deposit facility resulting from unlawful acts of other persons, including, but not limited to assault, theft, vandalism, or malicious mischief. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month). Other account transfer restrictions may be described elsewhere. CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint. SAVINGS AND MONEY MARKET ACCOUNTS TRANSFER LIMITATIONS - For savings and money market accounts you may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule or (iii) upon oral or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you. More than 6 withdrawals per calendar month would be considered a violation of law and this agreement. Violations of this nature may result in us closing your account.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month per federal regulations. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌ General Rules and Definitions‌ This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover ACH and check items. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌ General Rules and Definitions‌ This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover ACH and check items. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌‌‌ General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. You can use it the same way as 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, However you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced bounced-check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest dividends on the amount of your refund if your account is an interest-a dividend bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest dividends if your account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.ten

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "'substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .' These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "'This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank(000)000-0000 or write us at FARMERS & MERCHANTS BANK, 0000 Xxxx XxxxxxxMiamisburg Office, Kansas City00 X Xxxxx Xx, MOXxxxxxxxxx, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxXX 00000. You must contact us within 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: • 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

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice section describes rights you have when you receive substitute checks from usthe Bank. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. • What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we the Bank withdrew the wrong amount from your account or that we the Bank withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 ten (10) business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 forty-five (45) calendar days after we received receive your claim. We The Bank may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. • How do I you make a claim for a refund? If you believe that you have suffered a loss losses relating to a substitute check that you received and that was posted to your account, please contact us at nbkc bankX.X. Xxx 0000, 0000 Xxxx XxxxxxxXxxxxxxx, Kansas City, MO, 64114, 000-000Xxxxxxxxxxx 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 forty (40) calendar days of the date that we the Bank 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 The Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your The claim must include: • o A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • o An estimate of the amount of your loss; • o An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • o A copy of the Substitute Checksubstitute check or the following information to help us identify the substitute check; check number, the name of the person or entity to which you wrote the check and the amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks checks, with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my your rights as a consumer regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check feesInsufficient Funds Fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interestapplicable) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interestapplicable) not no later than 45 calendar days after we received receive your claim. We may reverse the refund (including any interest on the refundinterest) if we later are able to demonstrate that determine the substitute check was correctly posted to your accountposted. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 confirm that you suffered a loss; and • A copy The following information to help us identify the substitute check: the check number, the name of the Substitute Checkperson to whom you wrote the check, and the amount of the check. Depositing substitute checks You may receive a substitute check, such as when a check you deposited is returned unpaid. If you deposit a substitute check and we suffer a loss, cost or expense as a result, you will have to pay us that amount.

Substitute Checks and Your Rights. As our customer we think it's important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, at: 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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.substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. FOR GENERAL INFORMATION CALL OR WRITE TO: P.O. BOX 4019 GULFPORT, MISSISSIPPI 39502 0-000-000-0000 Xxxxxxx Xxxxxxx Bank xxxxxxxxxxxxxx.xxx 0-000-000-0000 Xxxxxxx Xxxxxxx Bank, Member FDIC 30401 2018 Notification of Changes in Terms to your Deposit Agreement Effective June 1, 2020* Xxxxxxx Xxxxxxx Bank, Member FDIC. Xxxxxxx Xxxxxxx and the Xxxxxxx Xxxxxxx logo are federally registered trademarks of the Xxxxxxx Xxxxxxx Corporation. Please review this notification for important information regarding the following provisions in the Deposit Agreement which governs each account you maintain with us: • Reordering and retitling sections regarding

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”)chec ks". These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check statesstate s: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your you r 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check che ck was correctly posted to your 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 that was posted to your accountacc ount, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month per federal regulations. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌‌‌ General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. As our customer we think it’s important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Columbia Bank PO Box 2056 Tacoma, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, WA 98401-2056 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. SERVICES WIRE TRANSFERS AND ACH PAYMENTS - Wire transfers are subject to the Wire Transfer Terms and Conditions, as amended from time to time. A copy of the Wire Transfer Terms and Conditions is available at any branch. We have no obligation to accept incoming funds transfers for your benefit. All credits to your account(s) for a funds transfer are provisional until we receive final payment for the amount of the transfer. If we do not receive final payment, you agree to refund to us the amount of the transfer. We will not provide you with a separate notice each time we receive a wire transfer to your account. If we accept a payment through an automated clearing house (ACH), the operating rules of the National Automated Clearing House Association will apply, and we will not give you notice of the payment. Instead, incoming wires and ACH payments will be reflected on your periodic statement. If you request paper, fax or email advice for wire transfers, and we agree separately in writing to comply with such request, you agree to exercise care in maintaining your own security in the receipt of advice of wire transfers. You acknowledge that you alone assume full responsibility for maintenance of your internal security procedures to keep your information confidential. You agree that we will not be required to provide any other notice to you. NIGHT DEPOSITORY - You assume any and all risk arising out of the use of any night depository facility. You agree that we are not responsible for any loss or damage that results from a mechanical defect, act of God, or malfunction with respect to the facility itself, lock bag or any other receptacle used by you, unless such damage or loss is caused by our gross negligence or deliberate malfeasance. You further agree that we will not be responsible for any loss or personal or pecuniary injury occasioned by the use of the night deposit facility resulting from unlawful acts of other persons, including, but not limited to assault, theft, vandalism, or malicious mischief. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month). Other account transfer restrictions may be described elsewhere. CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint.

Substitute Checks and Your Rights. What is a substitute check? Substitute Checks and Your Rights To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "; “This is a legal copy of your check. 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 that you receive back from us fromus may be substitute checks. This notice describes rights you have when you receive substitute checks from usfromus. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksYour Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your fromyour account or that we withdrew money from your fromyour account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your fromyour account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). ) The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever whichever, is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (refund, plus interest if your account earns interest, within ten (10) within 10 business days after we received receive your claim and the remainder of your refund (refund, plus interest if your account earns interest) , not later than 45 forty-five (45) calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make Do You Make a claim Claim for a refundRefund? 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxthe telephone number or mailing address provided in this notice. You must contact us within 40 forty (40) calendar days of the date that we will be 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; loss • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy Acopy of thesubstitutechecks [and/or] thefollowinginformation to help us identify the substitute check: [the check number, the name of the Substitute Check.person to whom you wrote the check, and the amount of the check]

Substitute Checks and Your Rights. The following provisions help explain some of the rights a consumer has under a federal law commonly referred to as Check 21. Check 21 was enacted to increase the efficiency of the U.S. check clearing system. The clearing system relies heavily on the physical transport of checks between banks. Check 21 allows banks to create substitute checks and present them to other banks instead of the original check. This reduces the transport of checks among banks and helps enable the electronic collection of checks. While the provisions referenced with Check 21 are not binding on overseas operations such as Community Bank, we generally follow the same or similar procedures. However, we have no liability to you if we deviate from these procedures in any given instance. This section applies only to accounts held by consumers. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you may receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows allowing you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced returned check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankthe telephone number listed on your account statement, 0000 Xxxx or write to us at: Community Bank 000 Xxxxxxx Xx., Xxx. 000 Xxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. XX 00000 You must contact us within 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 Checksubstitute check or the following information to help us identify the substitute check: your account number, the check number, the name of the person to whom you wrote the check, the amount of the check and the date of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover ACH and check items. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month per federal regulations. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌ General Rules and Definitions‌ This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a "substitute check"? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: , "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when if you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for examplee.g., if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and the fees that were charged as a result of the withdrawal (for examplee.g., bounced check Returned Item fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received receive your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim What is the process for claiming 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 0- 000-000-00000000 or write us at: SouthState Bank, xxxxxxx.xxx@xxxx.xxx. National Association Attn: Deposit Operations P.O. Box 118068 Charleston, SC 29423 You must contact us within 40 calendar days of the mailing date that we mailed (or date otherwise delivered by a means to which you agreed) of 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 examplei.e., 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 your loss; and •  A copy of the Substitute Checksubstitute check; and  To help us identify the substitute check, your account number, the check number, the name of the payee on the check, and the amount and date of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check insufficient funds fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, at: Amegy Bank (000) 000-0000 xxx.xxxxxxxxx.xxx California Bank & Trust (000) 000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 xxx.xxxxxxxxxxxx.xxx National Bank of Arizona (000) 000-0000 xxx.xxxxxxxxx.xxx Nevada State Bank (000) 000-0000 xxx.xxxxxx.xxx Vectra Bank Colorado (000) 000-0000 xxx.xxxxxxxxxx.xxx Zions First National Bank (800) 789-BANK(2265) xxx.xxxxxxxxx.xxx You must contact us within 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.:

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankby contacting any Banking Center, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxby sending a secure message through Digital Banking or calling us. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which provided you agreed) the substitute check in question or the account statement showing that the substitute check was posted 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 a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); . • An an estimate of the amount of your loss; . • An an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A a copy of the Substitute Checksubstitute check or identifying information such as the check number and the name of the person to whom you wrote the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check NSF fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive a refund of up to $2,500.00 2,500 or the amount of your refund the substitute check, whichever is less, (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxthe Program Manager. You must contact us the Program Manager within 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: • 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.substitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check and the amount of the check

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal Federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 check images that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal Federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check feesiitems with non-sufficient fundsfees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest a dividend on the amount of your refund if your account is an interesta dividend-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest dividend if your account earns interesta dividend) within 10 business days after we received receive your claim and the remainder of your refund (plus interest dividend if your account earns interesta dividend) not later than 45 calendar days after we received receive your claim. We may reverse the refund (including any interest dividend on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please call (000)000- 0000,, or contact us at nbkc bankat: Premier America Credit Union P.O. Box 2178 Chatsworth, CA 00000-0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 forty (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 Checksubstitute check and/or the following information to help us identify the substitute check (for example the check number, the name of the person to whom you wrote the check, the amount of the check).

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? To make check processing faster, a federal law called the Check 21 Act permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interesta dividend-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us in writing at nbkc bankXxxxxxxx-Xxxxxx Federal Credit Union, 0000 Xxxx XxxxxxxAttn: Member Services, Kansas P.O. Box 2097, Universal City, MO, 64114, 000-000TX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 60 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 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 Checksubstitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" ” as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 Some, or all of the checks that you receive back from us Bank may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we Bank withdrew the wrong amount from your account or that we Bank withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees)withdrawal. The amount of your refund under this procedure policy is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedurepolicy, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we Bank received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we Bank received your claim. We Bank may reverse the refund (including any interest on the refund) if we Bank later are is able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? MAKING A CLAIM. 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 Bank at: nbkc bankBank, 0000 Xxxx Xxxxxxx, Kansas City, MO, MO 64114, 000-000-0000888.905.2165, or xxxxxxx.xxx@xxxx.xxx. You must contact us Bank within 40 calendar days of the date that we Bank or 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 Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: • A (i) a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An (ii) an estimate of the amount of your loss; • An (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A (iv) a copy of the Substitute Check. A breach of any Check 21 warranty may result in the substitute check being charged back against your Account.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌ General Rules and Definitions‌ This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your primary deposit account (for example, if you think that we withdrew the wrong amount from your primary deposit account or that we withdrew money from your primary deposit account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your primary deposit account and fees that were charged as a result of the withdrawal (for example, bounced bounced-check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your primary deposit 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? To make check processing faster, a federal law called the Check 21 Act permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interesta dividend-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us in writing at nbkc bankXxxxxxxx-Xxxxxx Federal Credit Union, 0000 Xxxx XxxxxxxAttn: Member Services, Kansas P.O. Box 2097, Universal City, MO, 64114, 000-000TX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 60 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 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 Checksubstitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check. Truth in Savings Account Disclosures‌ The Truth-in-Savings Account Disclosures and Rate and Fee Schedules set forth certain conditions, rates, fees, and charges applicable to your Accounts at Xxxxxxxx-Xxxxxx Federal Credit Union and are incorporated into your Account Agreement with us. Definitions Annual Percentage Yield (APY). The Annual Percentage Yield is a percentage rate reflecting the total amount of dividends paid on an Account, based on the dividend rate and the frequency of compounding for a 365-day period. Dividend Declaration Date. Dividend declaration date means the date the Credit Union’s Board of Directors declares a dividend for the preceding period. Dividend Period. Dividend period means the span of time established by the Credit Union’s Board of Directors by the end of which shares in an Account earn dividend credit. Dividend Rate. The dividend rate is the declared annual dividend rate paid on an Account, which does not reflect compounding. Rate Information The rates contained on our website (xxx.xxxxx.xxx/xxxxx) are accurate as of today’s date. Rates are subject to change at any time. For Non-Certificate Accounts, the dividend rate and APY may change each dividend period. The Non-Certificate Account dividend rates and APYs disclosed on our website reflect the dividend rates and APYs as of the last dividend declaration date. For Certificate Accounts, the dividend rates and APYs disclosed on our website were offered within the most recent seven calendar days and are accurate as of today’s date.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal Federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 check images that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal Federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check rejected item fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest a dividend on the amount of your refund if your account is an interesta dividend-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest dividend if your account earns interesta dividend) within 10 business days after we received receive your claim and the remainder of your refund (plus interest dividend if your account earns interesta dividend) not later than 45 calendar days after we received receive your claim. We may reverse the refund (including any interest dividend on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please call (000)000- 0000,, or contact us at nbkc bankat: Premier America Credit Union P.O. Box 2178 Chatsworth, CA 00000-0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 forty (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 Checksubstitute check and/or the following information to help us identify the substitute check (for example the check number, the name of the person to whom you wrote the check, the amount of the check).

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "'substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .' These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "'This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank(000)000-0000 or write us at FARMERS & MERCHANTS BANK, 0000 Xxxx XxxxxxxMiamisburg Office, Kansas City00 X Xxxxx Xx, MOXxxxxxxxxx, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxXX 00000. You must contact us within 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: 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

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks checks, with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a substitute check as proof of payment payment, just like the an original check. Some or all of the checks that you receive back from us EECU may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows allowing you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced returned check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other the law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 ten (10) business days after we received your claim claim, and the remainder of your refund (plus interest if your account earns interest) not no later than 45 forty-five (45) calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if later we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”)". These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute substitu te check states: "This is a legal copy of your check. 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 th e original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your you r 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your accountacc ount, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice section describes rights you have when you receive substitute checks from us. The rights in this notice section do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image images of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. You can use it the same way as 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 that you receive back from us the Bank may be substitute checks. This notice section describes the rights you have when you receive substitute checks from usthe Bank. The rights in this notice section do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows procedures allowing you to request a refund for losses you suffer if a substitute check is posted to your account Account (for examplee.g., if you think that we withdrew the wrong amount was withdrawn from your account Account or that we withdrew money was withdrawn from your account Account more than once for the same check). The losses you may attempt to recover under this procedure these procedures may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for examplee.g., bounced check NSF fees). The amount of your refund under this procedure these procedures is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your refund if your account Account is an interest-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawapplicable laws. If you use this procedurethese procedures, you may receive up to two thousand five hundred dollars ($2,500.00 2,500) of your refund (plus interest if your account Account earns interest) within 10 ten (10) business days after we received the Bank receives your claim claim, and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 forty-five (45) calendar days after we received the Banks receives your claim. We The Bank may reverse the refund (including any interest on the refund) if we later are the Bank is able to demonstrate that the substitute check was correctly posted to your accountAccount. 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 that was posted to your accountAccount, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxthe Bank using the contact information provided in the Important Bank Contact Information section of this Agreement. You must contact us the Bank within 40 forty (40) calendar days of the date that we the Bank mailed or delivered (or otherwise delivered by a means to which you agreed) the substitute check in question or the account periodic Account statement showing that the substitute check was posted to your accountAccount, whichever is later. We The Bank 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 examplee.g., 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 Checksubstitute check or the following information to help Bank identify the substitute check: the check number, the name of the person to whom you wrote the check, the date the check was written, and the amount of the check. FUNDS TRANSFER DISCLOSURES The following provisions are in addition to, and not in place of, any other agreements you have with Bank regarding funds transfers to and from your account. The terms used in this section are defined in Article 4A of the Uniform Commercial Code, as adopted by the state whose laws govern your Account. As used in these provisions, a funds transfer does not include a transaction made using a Card. Examples of funds transfers covered by these provisions are ACH transactions and wire transfers (whether outgoing or incoming, foreign or domestic). Some consumer transfers referenced in this section may also be electronic fund transfers subject to EFTA and Regulation E as described below. If the transfer is governed by Regulation E Subpart A (i.e., an EFT on consumer account), the provisions of the Electronic Funds Transfer Agreement section control in the event of conflict with this section.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "; “This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksYour Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced returned check fees). ) The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever whichever, is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (refund, plus interest if your account earns interest, within ten (10) within 10 business days after we received receive your claim and the remainder of your refund (refund, plus interest if your account earns interest) , not later than 45 forty-five (45) calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make Do You Make a claim Claim for a refundRefund? 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, (000) 000-0000000 or write us at Arrowhead Credit Union, Attn: Account Administration Department #00, XX Xxx 0000, Xxxxxx Xxxxxxxxx, XX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 forty (40) calendar days of the date that we will be 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; 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 Checksubstitute checks and the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once Our policy is to make funds from yo ur cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit on a day we are not open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,525 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Synovus Bank P.O. Box 120 Columbus, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000GA 31902 1-888-SYNOVUS (000-0000, xxxxxxx.xxx@xxxx.xxx. ) You must contact us within 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: • include f } 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, the name of the person to whom you wrote the check, and the name of the person signing the check (you or joint account holder).

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: VirtualBank, 0000 Xxxx Xxxxxxxa division of IBERIABANK P.O. Box 109638 Palm Beach Gardens, Kansas City, MO, 64114, FL 00000 (000) 000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check.

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? To make check processing faster, a federal law called the Check 21 Act permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interesta dividend-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us in writing at nbkc bankXxxxxxxx-Xxxxxx Federal Credit Union, 0000 Xxxx XxxxxxxAttn: Member Services, Kansas P.O. Box 2097, Universal City, MO, 64114, 000-000TX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 60 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 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 Checksubstitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check. Truth in Savings Account Disclosure‌ The Truth in Savings Account Disclosure and Truth in Savings Fee Schedule set forth certain conditions, rates, fees, and charges applicable to your Accounts at Xxxxxxxx-Xxxxxx Federal Credit Union and are incorporated into your Account Agreement with us. Definitions Annual Percentage Yield (APY). The Annual Percentage Yield is a percentage rate reflecting the total amount of dividends paid on an Account, based on the dividend rate and the frequency of compounding for a 365-day period. Dividend Declaration Date. Dividend declaration date means the date the Credit Union’s Board of Directors declares a dividend for the preceding period. Dividend Period. Dividend period means the span of time established by the Credit Union’s Board of Directors by the end of which shares in an Account earn dividend credit. Dividend Rate. The dividend rate is the declared annual dividend rate paid on an Account, which does not reflect compounding. Rate Information The rates contained on our website (xxx.xxxxx.xxx/xxxxx) are accurate as of today’s date. Rates are subject to change at any time. For Non-Certificate Accounts, the dividend rate and APY may change each dividend period. The Non- Certificate Account dividend rates and APYs disclosed on our website reflect the dividend rates and APYs as of the last dividend declaration date. For Certificate Accounts, the dividend rates and APYs disclosed on our website were offered within the most recent seven calendar days and are accurate as of today’s date.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? (Applies to consumer accounts only) In certain cases, federal Federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft or NSF fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest interest, if your account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000forty-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.five

Substitute Checks and Your Rights. As our customer we think it's important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 All of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx at: First United Bank & Trust Attention: Substitute Check Department - Deposit Operations 00000 Xxxxxxx Xxxxxxx, Kansas CitySuite 2 Oakland, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. MD 21550 You must contact us within 40 60 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: 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.substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and the name of the person to whom you wrote the check. 00000 Xxxxxxx Xxxxxxx Oakland, MD 21550 0-000-000-0000 XxXxxx.xxx Member FDIC Rev. 8/20

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankby contacting any Banking Center, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxby sending a secure message through Digital Banking or calling us. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which provided you agreed) the substitute check in question or the account statement showing that the substitute check was posted 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 a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); . • An an estimate of the amount of your loss; . • An an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A a copy of the Substitute Check.substitute check or identifying information such as the check number and the name of the person to whom you wrote the check. ACH AND WIRE TRANSFERS

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? To make check processing faster, a federal law called the Check 21 Act permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interesta dividend-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us in writing at nbkc bankXxxxxxxx-Xxxxxx Federal Credit Union, 0000 Xxxx XxxxxxxAttn: Member Services, Kansas P.O. Box 2097, Universal City, MO, 64114, 000-000TX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 60 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 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 Checksubstitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check. Truth in Savings Account Disclosures‌ The Truth-in-Savings Account Disclosures and Rate and Fee Schedules set forth certain conditions, rates, fees, and charges applicable to your Accounts at Xxxxxxxx-Xxxxxx Federal Credit Union and are incorporated into your Account Agreement with us. Definitions Annual Percentage Yield (APY). The Annual Percentage Yield is a percentage rate reflecting the total amount of dividends paid on an Account, based on the dividend rate and the frequency of compounding for a 365-day period. Dividend Declaration Date. Dividend declaration date means the date the Credit Union’s Board of Directors declares a dividend for the preceding period. Dividend Period. Dividend period means the span of time established by the Credit Union’s Board of Directors by the end of which shares in an Account earn dividend credit. Dividend Rate. The dividend rate is the declared annual dividend rate paid on an Account, which does not reflect compounding. Rate Information The rates contained on our website (xxx.xxxxx.xxx/xxxxx) are accurate as of today’s date. Rates are subject to change at any time. For Non-Certificate Accounts, the dividend rate and APY may change each dividend period. The Non- Certificate Account dividend rates and APYs disclosed on our website reflect the dividend rates and APYs as of the last dividend declaration date. For Certificate Accounts, the dividend rates and APYs disclosed on our website were offered within the most recent seven calendar days and are accurate as of today’s date.

Substitute Checks and Your Rights. The following provisions help explain some of your rights under the federal law commonly referred to as Check 21. What is Is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check Paid Item or Returned Item fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interest-interest- bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 forty-five (45) calendar days after we received receive your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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 CheckAccount.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits banks and credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact call us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxthe Phone Number set forth in the Rate and Fee Schedule or write to us at Address in the Rate and Fee Schedule. You must contact us within 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.:

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check NSF fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive a refund of up to $2,500.00 2,500 or the amount of your refund the substitute check, whichever is less, (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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: 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.substitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check and the amount of the check

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds (available balance plus any linked overdraft protection accounts) in your account to cover an item (including an ATM or Debit Card transaction), then we consider the item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover an item (including a check or an ATM or Debit Card transaction) or we transfer all of the funds in your line of credit if there is not enough to cover all the items (including a check or an ATM or Debit Card transaction). You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of items, including Bank fees, may overdraw your account. We will look first to a linked account if you have established one, then to the Overdraft Line of Credit Program if you have enrolled, and then our standard overdraft program when determining to pay or return insufficient funds items. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. This means that if a merchant makes a second or third attempt to be paid after its first attempt is returned, we will treat it as separate Item subject to a separate fee if we pay or return it. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. If there are not enough funds to cover the Item, no transfer will be made. Electronic Fund Transfer (EFT) Services‌ General Rules and Definitions‌ This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees.  Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? To make check processing faster, a federal law called the Check 21 Act permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interesta dividend-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us in writing at nbkc bankXxxxxxxx-Xxxxxx Federal Credit Union, 0000 Xxxx XxxxxxxAttn: Member Services, Kansas P.O. Box 2097, Universal City, MO, 64114, 000-000TX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 60 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 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.substitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check. Truth in Savings Account Disclosures‌ The Truth-in-Savings Account Disclosures and Rate and Fee Schedules set forth certain conditions, rates, fees, and charges applicable to your Accounts at Xxxxxxxx-Xxxxxx Federal Credit Union and are incorporated into your Account Agreement with us. Definitions

Substitute Checks and Your Rights. As our member we think it’s important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx at: Taunton Federal Credit Union Attn: Operations Department 00 Xxxxxx Xxxxx Xxxxxxx, Kansas City, MO, 64114, 000XX 00000 (000)000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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.substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, the date of the check, and the name of the person or company to whom you wrote the check. EQUAL OPPORTUNITY EMPLOYER

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is ‘‘Thisis a legal copy of your check. 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. If afinancialinstitution ormerchant converts theoriginalcheck toasubstitutecheck,theoriginalcheckwill beheld ordestroyed bythatentity. Therefore, original checks may not be available to be returned with your statement or upon your request. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply notapply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows lawprovides aspecialprocedure thatallows you to request a refund for losses torequest arefund forlosses you suffer if a substitute check sufferif asubstitutecheck is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check insufficient funds fees). The amount of your refund under this procedure thisprocedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-isan interest bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make Make a claim Claim for a refundRefund? 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 telephone at nbkc bank000.000.0000 or 724.349.1800; or by writing to us at S&T Bank, 0000 Xxxx XxxxxxxP.O. Box 190 Indiana, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You PA 00000.Xxx must contact us within 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 showingthat the substitute check substitutecheck was posted to your account, youraccount,whichever is later. We will Wewill extend this time period if you were not able to make a werenot ableto makea timely claim because of becauseof extraordinary circumstances. If you contact us by telephone, you must submit a written claim within ten days of the oral claim. Your claim must includeWritten 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 Checksubstitute check and/or the followinginformation to help us identify the substitute check: account number, check number, date the check was paid and the dollar amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my Your rights regarding substitute checks? : In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced returned check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 forty-five (45) calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact mail us at nbkc bankLGE Community Credit Union, Accounting Department, P.O. Box 1188, Marietta, Georgia 00000-0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, or you may call 000-000-00000000 Ext 85104, xxxxxxx.xxx@xxxx.xxxor you may email us at XxxxxxxxxxXxxxxxxxxx@XXXxxx.xxx. You must contact us within 40 forty (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 a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An an estimate of the amount of your loss; • An an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A a copy of the Substitute Checksubstitute check [and/or] the following information to help us identify the substitute check: (identifying information for example the check number, the name of the person to whom you wrote the check, the amount of the check).

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month per federal regulations. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These .”These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. .The front of a substitute check states: "This states:“This is a legal copy of your check. You can use it the same way you would use the original check." You ”You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. .This notice describes rights you have when you receive substitute checks from us. .The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The check).The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You xxxx.Xxx also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 S2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your written claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claimclaim in writing. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: HomeStreet Bank Operations Support 00000 0xx Xxxxxx Xxxxx, 0000 Xxxx XxxxxxxXxx 000 Xxxxxxx Xxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. XX 00000 800.719.8080 or TTY/TDD 000.000.0000 You must contact us within 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. (If your claim is made orally, we will require you to submit your claim in writing within 10 calendar days of the day you make your claim orally.) 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.substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. FOR MORE INFORMATION Call 000.000.0000 or TTY/TDD 855.584.0256 or visit us at xxxxxxxxxx.xxx WASHINGTON OREGON HAWAII CALIFORNIA HomeStreet Bank • Home Office 0000 Xxx Xxxxx Xxxxxx 000 Xxxxx Xxxxxx • Seattle, WA 98101

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds When we determine that you do not have enough available funds (available balance plus any linked overdraft protection accounts) in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover an item (including a check or an ATM or Debit Card transaction) or we transfer all of the funds in your line of credit if there is not enough to cover all the items (including a check or an ATM or Debit Card transaction). You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of items, including Bank fees, may overdraw your account. We will look first to a linked account if you have established one, then to the Overdraft Line of Credit Program if you have enrolled, and then our standard overdraft program when determining to pay or return insufficient funds items. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. This means that if a merchant makes a second or third attempt to be paid after its first attempt is returned, we will treat it as separate Item subject to a separate fee if we pay or return it. See our Schedule of Fees herein. Overdraft Protection The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. If there are not enough funds to cover the Item, no transfer will be made. Electronic Fund Transfer (EFT) Services General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 forty-five (45) calendar days after we received receive your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: 0000 XXXXXXXX XXXXXXXX XXXXXXX, 0000 Xxxx XxxxxxxXXXXXXXXXX, Kansas City, MO, 64114, XXXXXXX 00000 (205) 759-1595 or (000) 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You 0000.You must contact us within 40 forty-five (45) 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 the Company was 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 Checksubstitute check and/or the following information to help us identify the substitute check: (identifying information, for example the check number, the name of the person to whom you wrote the check, the amount of the check).

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits banks and credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check returned item or overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do Do I make Make a claim Claim for a refundRefund? 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000- 000-0000, xxxxxxx.xxx@xxxx.xxxor 000 X. Xxxxxxxxx Xxxxx, Xxxxxxxxx, XX 00000. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute check; the check number; the name of the person to whom you wrote the check; and the amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankby contacting any Banking Center, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxby sending a secure message through Digital Banking or calling us. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which provided you agreed) the substitute check in question or the account statement showing that the substitute check was posted 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 a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); . • An an estimate of the amount of your loss; . • An an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A a copy of the Substitute Check.substitute check or identifying information such as the check number and the name of the person to whom you wrote the check. ACH AND WIRE TRANSFERS WHOLESALE WIRE AND ACH TRANSACTIONS From time to time you may be a party to an Automated Clearing House ("ACH") entry or a wholesale(wire) funds transfer which may be credited to your Account. The Uniform Commercial Code Article 4A governs wholesale wire transfers as well as any commercial ACH credit entry excluded from the Electronic Funds Transfer Act. BUSINESS ACCOUNT WIRE TRANSFERS You may initiate wire transfers of funds from your Account by contacting a member of our Treasury Management team and executing an eBusiness Banking Agreement and a Wire Transfer Agreement. Those documents will set forth all of the rules, terms and conditions which apply to wire transfers from your business Account. CONSUMER WIRE TRANSFERS

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankby contacting any Banking Center, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxby sending a secure message through Digital Banking or calling us. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which provided you agreed) the substitute check in question or the account statement showing that the substitute check was posted 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  a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An .  an estimate of the amount of your loss; • An .  an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A  a copy of the Substitute Checksubstitute check or identifying information such as the check number and the name of the person to whom you wrote the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”)". These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a the substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a the substitute check as proof of payment just like the original check. Some or all of the checks that are returned to you receive back from us may be substitute checks. This notice describes your rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks checks, photocopies of original checks, or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check overdraft or NSF fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest interest, if your account earns interest) within 10 ten business days after we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 calendar days after we received your you claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact call U.S. Bank 24-Hour Banking (see the back of this booklet for phone numbers) or write to us at nbkc bankU.S. Bank, 0000 Xxxx Xxxxxxx00 Xxxxxxxxxx Xxx, Kansas CityEP-MN-WS5D, MOSt. Xxxx, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxMN 55107. You must contact us within 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.:

Substitute Checks and Your Rights. What is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute with“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These .”These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. .The front of a substitute check states: "‘‘This is a legal copy of your check. You xxxxx.Xxx 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. If a financial institution or merchant converts the original check to a substitute check the original check will be held or destroyed by that entity.Therefore, original checks may not be available to be returned with your statement or upon your request. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. .The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure pro- cedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check insufficient funds fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You xxxx.Xxx also are entitled to interest on the amount of your refund if your account is an interest-interest bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute sub- stitute check that you received and that was posted to your account, please contact us by telephone at nbkc bank000.000.XXXX or 724.349.1800; or by writing to us at S&T Bank, 0000 Xxxx XxxxxxxP.O. Box 190 Indiana, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxPA 15701. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question ques- tion 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. If you contact us by telephone, you must submit a written claim within 10 days of the oral claim. Your claim must includeWritten 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 Checksubstitute check and/or the following information to help us identify the substitute check: account number, check number, date the check was paid and the dollar amount of the check.

Substitute Checks and Your Rights. (Check 21)‌ The Check Clearing for the 21st Century Act (Check 21) is only applicable to Accounts held by a natural person used primarily for personal, family, or house-hold purposes. There are some important information for you to know about substitute checks and your rights. What is Is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interest-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000 or 000-000-0000 or by writing to us at Credit Union of Texas, P.O. Box 7000, Allen, TX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal Federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 check images that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal Federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check rejected item fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest a dividend on the amount of your refund if your account is an interesta dividend-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest dividend if your account earns interesta dividend) within 10 business days after we received receive your claim and the remainder of your refund (plus interest dividend if your account earns interesta dividend) not later than 45 calendar days after we received receive your claim. We may reverse the refund (including any interest dividend on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000call (000)000-0000, xxxxxxx.xxx@xxxx.xxx. option 0, or contact us at: Premier America Credit Union P.O. Box 2178 Chatsworth, CA 00000-0000 You must contact us within 40 forty (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 Checksubstitute check and/or the following information to help us identify the substitute check (for example the check number, the name of the person to whom you wrote the check, the amount of the check).

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced returned check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (refund, plus interest if your account earns interest) , within 10 business days after we received receive your claim and the claim. The remainder of your refund (refund, plus interest if your account earns interest) not , will be refunded to you no later than 45 calendar days after we received receive your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankmail your claim to: Plumas Bank, 0000 Xxxx XxxxxxxElectronic Banking Department, Kansas City00 X. Xxxxxx Avenue, MOQuincy, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxCA 95971. You must contact us within 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 withdraw was incorrect); . • An estimate of the amount of your you 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 Checksubstitute check (and/or) the following information to help us identify the substitute check: Identifying information for example the check number, the name of the person to whom you wrote the check and the amount of the check. AUTOMATED CLEARING HOUSE (ACH) Notice of Receipt of ACH Items: Under the operating rules of the National Automated Clearing House Association which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Provisional Payment: Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e., the Originator of the entry) shall not be deemed to have paid you the amount of such entry. Governing Law: We may accept on your behalf payments to your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which are not subject to the Electronic Fund Transfer Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of California as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account. IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT: To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. What this means for you: When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover ACH and check items. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month per federal regulations. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check insufficient funds fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 10- business days day(s) after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 (45) calendar days day(s) after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Locality Bank 0000 Xxxxx Xxxxxxx Xxxxxx Ft. Lauderdale, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, FL 33316 Phone: 000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 E-mail: xxxxxxx@xxxxxxxxxxxx.xxx You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute check: the check number, the amount of the check and the name of the person to whom you wrote the check. If you tell us orally, we may require that you provide us with a confirmation of your claim in writing within 10-business days. In that case, the day we receive your written claim will be the day your claim is considered received. Your rights under this section are governed by the “Check 21 Act” and any implementing regulations. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account - is an account owned by one person. Joint Account - With Survivorship (And Not as Tenants in Common) - is owned by two or more persons. Each of you intends that upon your death the balance in the account (subject to any previous pledge to which we have consented) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Tenants by the Entireties - An account owned jointly by two married persons with right of survivorship in which each spouse may act for himself or both spouses in depositing, withdrawing or otherwise dealing with the account during their marriage. Corporate, Partnership, and other Organizational Accounts - We require a separate document designating the person(s) permitted, and conditions under which, authorized transactions from any account in the name of a legal entity such as a partnership, corporation, or other organization are allowable. We will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of such organization. STOP-PAYMENTS - A stop-payment order must be given in the manner required by law and must be received in time to give us a reasonable opportunity to act on it. Bank's acceptance of a stop payment order does not mean that the Item or Entry has not yet been paid. Bank shall have no liability resulting from the payment of an Item or Entry prior to its actual receipt of a stop payment order from the Depositor and reasonable time to process the order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, you agree to indemnify us for those damages or expenses, including attorneys' fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we may take against such persons. You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop-payment order. You may stop payment on any item drawn on your account whether you sign the item or not. Your stop-payment order is effective for six months. Your order will lapse after that time if you do not renew the order in writing before the end of the six-month period. We are not obligated to notify you when a stop-payment order expires. Depositor acknowledges that an Item may be converted to an ACH Entry (electronic debit) by the payee of the Item. Even if Depositor has been given notice by the payee that the Item will be converted to an ACH Entry, if Bank is not advised that the stop payment is for an ACH Entry, the Depositor's stop payment may not be effective. If Depositor places a stop payment order on the Item without notifying Bank that it has been converted to an ACH Entry, Bank will use reasonable efforts to identify and stop payment of the Entry but will not be liable to Depositor for payment of the Entry, and Bank will not be liable for damages if Bank stops payment on another Entry from the same originator or in the same amount which Bank believes to be the Entry representing the converted Item. A stop payment order against an Item or Entry must accurately describe it as to date, number, amount, and payee, and must correctly indicate Depositor's name and the Account number. Depositor agrees that it is current industry standard to process stop payment orders by means of computer technology. Accordingly, failure of the Depositor to provide the above information may result in the Item or Entry being paid if presented, and the Bank will not be liable for such payment. Any errors on Bank's written acknowledgment to Depositor of a stop payment order must be reported by Depositor in writing within 10 calendar days of the written acknowledgement date. A stop payment order remains effective for six months from the date the Bank receives notice of the order. A stop payment order may be renewed for successive periods equal to its original period of effectiveness if the Bank receives a renewal notice prior to the order becoming ineffective. Stop payment order requests, renewals or revocations must be in writing, and can also be initiated by phone or online. Revocations of stop payment orders may be made in person or online. Please refer to our online disclosures for additional terms and conditions regarding online stop payment orders for bill payment. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Other account transfer restrictions are provided separately. AMENDMENTS AND TERMINATION - We may change any term of this agreement. Rules governing changes in interest rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also close this account at any time with or without notice to you and tender the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. We may close your account without notice if your account has a zero or negative balance. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. If we have notified you of a change in any term of your account and you continue to maintain your account after the effective date of the change, you have agreed to the new term(s).

Substitute Checks and Your Rights. What is a "substitute check"? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when if you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for examplee.g., if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for examplee.g., bounced check Returned Item fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim What is the process for claiming a refund? If you believe that you have suffered a loss relating to a substitute substitute, check that you received and that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 0- 000-000-00000000 or write us at: SouthState Bank, xxxxxxx.xxx@xxxx.xxxAttn: Deposit Operations X.X. Xxx 000000 Xxxxxxxxxx, XX 00000. You must contact us within 40 calendar days of the mailing date that we mailed (or date otherwise delivered by a means to which you agreed) of 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 examplei.e., 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 your loss; and . • A copy of the Substitute Checksubstitute check; and • To help us identify the substitute check, your account number, the check number, the name of the payee on the check, and the amount and date of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice section describes rights you have when you receive substitute checks from us. The These rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check NSF fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest dividends on the amount of your the refund if your account is an interesta dividend-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, and your account is used for personal, family or household purposes, you may receive up to $2,500.00 2,500 of your refund (plus interest dividends if your account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest dividends if your account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest dividends on the that refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, (000) 000-0000 or 1-800- 000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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 Checksubstitute check or the following information to help us identify the substitute check: account number, check number, dollar amount, and date posted. SECTION FOUR REGULATION CC DISCLOSURE (FUNDS AVAILABILITY POLICY) This information has been assembled and provided to you in accordance with federal law. Please keep this with your other important papers and refer to it when needed.

Substitute Checks and Your Rights. What is Is a substitute checkSubstitute Check? – To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? – In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced returned check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do Do I make Make a claim Claim for a refundRefund? – 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 phone at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-00000000 or by mail at 00000 Xxxxxxx Xxxx, xxxxxxx.xxx@xxxx.xxxTaylor, MI 48180. You must contact us within 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.:

Substitute Checks and Your Rights. The following provisions help explain some of the rights a consumer has under a federal law commonly referred to as Check 21. Check 21 was enacted to increase the efficiency of the U.S. check clearing system. The clearing system relies heavily on the physical transport of checks between banks. Check 21 allows banks to create substitute checks and present them to other banks instead of the original check. This reduces the transport of checks among banks and helps enable the electronic collection of checks. While the provisions referenced with Check 21 are not binding on overseas operations such as Community Bank, we generally follow the same or similar procedures. However, we have no liability to you if we deviate from these procedures in any given instance. This section applies only to accounts held by consumers. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you may receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced returned check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankthe telephone number listed on your account statement, 0000 Xxxx or write to us at: Community Bank 000 Xxxxxxx Xx., Xxx. 000 Xxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. XX 00000 You must contact us within 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 Checksubstitute check or the following information to help us identify the substitute check: your account number, the check number, the name of the person to whom you wrote the check, the amount of the check and the date of the check. SEPA Payments The Single Euro Payments Area (SEPA) is a group of countries that agree to abide by a set of rules developed by the European Payment Council (EPC) in order to provide a basis for a standard method of processing Euro payments in the European Union and within the European Economic Area member states. There are guaranteed, standard timelines for payments and the return of unsuccessful payments. The Originator of the payment is you being the payer of the amount to be transmitted. The funds for a transfer are made available by means of a debit from an eligible payment account of which the Originator is authorized or by a cash payment. The Beneficiary is the customer identified in the instruction who receives funds by means of a transfer to a payment account. The International Bank Account Number (IBAN) to be specified in the payment request is an internationally agreed upon set of standards (alpha- numeric) to identify accounts. The Bank Identifier Code (BIC) is a set of alpha-numeric digits that identifies institutions to facilitate the transfer of money. Upon receiving a payment request, Community Bank will transmit the payment for receipt by the beneficiary bank within one (1) German banking business day after receiving the request. The payment request must be received by 3 pm local country time, excluding German banking holidays and the United States Thanksgiving holiday, in order for the payment to be received by the beneficiary bank on the next German banking business day. Payment requests in paper form received at the Banking Center will be transmitted the next German banking business day for receipt of the payment by the beneficiary bank no later than two (2) German banking business days after receipt of the payment request by Community Bank. There are guaranteed, standard timelines for payments and the return of unsuccessful transactions. SEPA Direct Debits Direct Debit Euro payments can be established throughout the European Union and certain other participating countries for telephone, insurance, utility bills, and other debts by using bank and account identifier information. Agreements with companies to process payments by way of direct debits are referred to as Mandates. The Creditor is the company who you have a Mandate with for services rendered. The Debtor (you) is the customer of the Creditor. The International Bank Account Number (IBAN) is an internationally agreed to set of standards (alpha-numeric) to identify accounts. The Bank Identifier Code (BIC) is a set of alpha-numeric digits that identifies institutions to facilitate the transfer of money. Stopping Payments If a payment is scheduled to be debited from your account that you wish to stop, you must inform the Bank at least three German banking business days prior to the debit date. Stops can be placed against a specific Mandate or a request can be submitted so that no Direct Debits are authorized against an account. Information for stop payment fees is available through the applicable Schedule of Fees for your account. You must provide the Bank with all necessary information in order for the stop request to be fulfilled. If not all information is provided, or details are different than what was provided, the stop payment request may not be honored. Community Bank suggests that transfers occur through a checking account that you are an owner or signer on. Online submissions using a savings account are not available due to regulatory limitations on the number of electronic withdrawals that can be performed. If you desire for a payment to be made from a savings account, the transaction must be initiated at the Banking Center. For additional information, please read the section titled “Limits on Withdrawals and Transfers from Savings Accounts” in this Deposit Agreement and Disclosure. In the event that the request is submitted after the required cutoff time or we fail to act on a request, and the payment is debited from your account, you authorize the Bank to submit a Refund request on your behalf and credit your account for the amount. There is no additional fee for this service. Removing Stop Payments Stop payments for a Mandate remain on the account to be debited for the life of your account. If you would like payments that had been previously stopped to be processed in the future, you must notify the Bank of this request.

Substitute Checks and Your Rights. What is a "substitute check"? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when if you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for examplee.g., if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for examplee.g., bounced check Returned Item fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim What is the process for claiming 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 0-000-000-00000000 or write us at: SouthState Bank, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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 includeAttn: • 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.Deposit Operations

Substitute Checks and Your Rights. As our customer we think it’s important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Banner Bank P.O. Box 907 Walla Walla, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, WA 00000 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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.substitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. SCHEDULE OF FEES - Non-Personal Accounts Account Reconciliation (Per hour) - $10.00 minimum $25.00 ATM/Debit Card Replacement (After 1) $5.00 Bank to Bank Online Transfer - Incoming No Charge Bank to Bank Online Transfer - Outgoing $2.00 Canadian Draft $20.00 Cashier’s Check $6.00 Re-issue (If lost, additional documentation required) $10.00 Check Cashing (Non-client) 3%/Minimum $5.00 Check Collection (Incoming and outgoing) Domestic $40.00 International $50.00 Debit Card - Custom Design $12.00 Debit Cards - International Transactions 1.10%*** Debit Card Replacement (Rush) $25.00 Deposited Item Return $10.00 Re-Deposited Item $10.00 Dormant Account Fee (Per month, after 12 months of no client account activity) $5.00 Foreign Currency Exchange Canadian (Client) No Charge Canadian (Non-client) 10%/Minimum $2.00 Non-Canadian $25.00 Foreign Draft $35.00 Legal Process Fee $125.00 Money Order $3.00 Overdraft or Returned Item (Per each presentment of an item, based on available* balance) $35.00 Overdraft Protection - Transfer from Deposit Account (per day) $9.00 Overdraft Balance Interest Rate WSJ Prime + 5.00% Paper Statement Fee (Monthly) $3.00 Paper Statement with Check Images Fee (Monthly) $6.00 Personalized Checks Prices Vary Temporary Checks ........................................................................................................................................$2.00 per sheet of 4 Photocopy of Statement/IRS Tax Forms $5.00 Research (Per hour) - $10.00 minimum $30.00 Research Items (Per copy) $2.00 Retainage/Control Agreement Account Setup Fee (non-analyzed) $0 - $49,999.99 ..............................................................................................................................................................$50.00 $50,000.00+..................................................................................................................................................................$150.00 Safe Deposit Box Rental Annual rental fee varies by box size and payment method Late Fee (Charged 14 days after due date) $5.00 Key Replacement $25.00 Drill Fee Cost Plus $50.00 Special Handling of Account (Per month) $5.00 Stop Payment (24-month life) $35.00 Wire Transfer Incoming $15.00 Outgoing - Domestic $30.00 Outgoing - International $50.00 Research or Tracers $25.00 Return Wire Fee $25.00 *Please refer to the Understanding and Avoiding Overdraft and Returned Item Fees section of the Terms and Conditions of your Account disclosure contained herein, for explanation of available balance. This is provided at the time of new account & upon request. ***When using your debit card outside of the U.S. there is a 1.10% Currency Conversion fee, which is based on the

Substitute Checks and Your Rights. What is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image images of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. You can use it the same way as 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 that you receive back from us may be substitute checks. This notice section describes the rights you have when you receive substitute checks from us. The rights in this notice section do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows procedures allowing you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount was withdrawn from your account Account or that we withdrew money was withdrawn from your account Account more than once for the same check). The losses you may attempt to recover under this procedure these procedures may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check NSF fees). The amount of your refund under this procedure these procedures is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your refund if your account Account is an interest-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedurethese procedures, you may receive up to two thousand five hundred dollars ($2,500.00 2,500) of your refund (plus interest if your account Account earns interest) within 10 ten (10) business days after we received receive your claim claim, and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 forty-five (45) calendar days after we received receive your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. 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 that was posted to your accountAccount, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxthe applicable Bank division address or telephone number provided below. You must contact us as described below within 40 forty (40) calendar days of the date that we mailed or delivered (or otherwise delivered by a means to which you agreed) the substitute check in question or the account periodic 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: • ƒ A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • ƒ An estimate of the amount of your loss; • ƒ An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • ƒ A copy of the Substitute Checksubstitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the date the check was written, and the amount of the check. Division Contacts: Alliance Association Bank 0000 X. Xxx Road, Suite 200 Chandler, AZ 85226 (000) 000-0000 Alliance Bank of Arizona Xxx Xxxx Xxxxxxxxxx, Xxxxx 000 Xxxxxxx, XX 00000 (000) 000-0000 Bank of Nevada 0000 Xxxx Xxxxxx Xxxxxx Xxx Xxxxx, XX 00000 (702) 248-4200 Bridge Bank 00 Xxxxxxx Xxxx., Xxxxx 000 Xxx Xxxx, XX 00000 000-000-0000 First Independent Bank 0000 Xxxxxxx Xxxx Reno, NV 89511 (000) 000-0000 Xxxxxx Xxxxx Bank 00000 Xx Xxxxxx Xxxx, Xxx.000 Xxx Xxxxx, XX 00000 (000) 000-0000 ELECTRONIC FUNDS TRANSFER AGREEMENT

Substitute Checks and Your Rights. ‌ What is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for examplee.g., if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and the fees that were charged as a result of the withdrawal (for examplee.g., bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest interest, if your account earns interest) within 10 business days Business Days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds (available balance plus any linked overdraft protection accounts) in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover an item (including a check or an ATM or Debit Card transaction) or we transfer all of the funds in your line of credit if there is not enough to cover all the items (including a check or an ATM or Debit Card transaction). You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of items, including Bank fees, may overdraw your account. We will look first to a linked account if you have established one, then to the Overdraft Line of Credit Program if you have enrolled, and then our standard overdraft program when determining to pay or return insufficient funds items. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. This means that if a merchant makes a second or third attempt to be paid after its first attempt is returned, we will treat it as separate Item subject to a separate fee if we pay or return it. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. If there are not enough funds to cover the Item, no transfer will be made. Electronic Fund Transfer (EFT) Services‌‌‌ General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: VirtualBank, 0000 Xxxx Xxxxxxxa division of IBERIABANK P.O. Box 109638 Palm Beach Gardens, Kansas City, MO, 64114, FL 00000 (000) 000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. TRUTH-IN-SAVINGS DISCLOSURE‌‌‌ eMONEY MARKET ACCOUNT Rate Information - The interest rates and annual percentage yields for these accounts depend upon the account selected and applicable rate tier as seen on the Banking Rates page at our website, xxxx://xxx.XxxxxxxXxxx.xxx. The interest rate and annual percentage yield for these tiers may change. Frequency of rate changes - We may change the interest rate on your account at any time. Determination of rate - At our discretion, we may change the interest rate on your account. Compounding and crediting frequency - Interest will be compounded every month. Interest will be credited to your account every month. Effect of closing an account - If you close your account before interest is credited, you will not receive the accrued interest. Minimum balance to open the account - You must deposit $100.00 to open this account. Minimum balance to avoid imposition of fees - A monthly service fee of $5.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of the cycle. Minimum balance to obtain the annual percentage yield disclosed - You must maintain a minimum balance of $.01 in the account each day to obtain the disclosed annual percentage yield. Daily balance computation method - We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day. Accrual of interest on noncash deposits - Interest begins to accrue on the first business day after the banking day you deposit noncash items (for example, checks). Transaction limitations: • No check-writing privileges. • Transfers from an eMoney Market account to another account or to third parties by preauthorized, automatic, telephone or computer transfer are limited to six per calendar month Excess Transaction Fees: An excess transaction fee of $15.00 will be charged for each automatic transfer or payment out of this account in excess of the above limitations.

Substitute Checks and Your Rights. As our customer we think it's important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. So you will recognize substitute checks when you receive them, we have included a copy of the front side of a substitute check along with an explanation of the substitute check's components . What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactionstransactions . What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Admirals Bank P.O. BOX 6808 PROVIDENCE, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000RI 02940 1-000800-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 calendar days 398-8472 These numbers correspond with the numbers on the Substitute Check Image: 1 An image of the date that we mailed (or otherwise delivered by a means to which you agreed) original check appears in the upper right-hand corner of 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 Checkcheck.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 ten (10) business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.

Substitute Checks and Your Rights. ‌ What is Is a substitute checkSubstitute Check? To make check processing faster, a federal law called the Check 21 Act permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interesta dividend-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interestdividends) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interestdividends) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us in writing at nbkc bankStatewide Federal Credit Union, 0000 Xxxx XxxxxxxAttn: Member Services, Kansas CityP.O. 320483, MOFlowood, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. MS 39232 You must contact us within 40 60 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 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 Checksubstitute check or the following information to help us identify the substitute check: Check number, the name of the person to whom you wrote the check, and the amount of the check. Truth in Savings Account Disclosures‌ The Truth-in-Savings Account Disclosures and Rate and Fee Schedules set forth certain conditions, rates, fees, and charges applicable to your Accounts at Statewide Federal Credit Union and are incorporated into your Account Agreement with us. Definitions Annual Percentage Yield (APY). The Annual Percentage Yield is a percentage rate reflecting the total amount of dividends paid on an Account, based on the dividend rate and the frequency of compounding for a 365-day period. Dividend Rate. The dividend rate is the declared annual dividend rate paid on an Account, which does not reflect compounding. Rate Information For Non-Certificate Accounts, the dividend rate and APY may change each dividend period as determined by the Credit Union’s Board of Directors. The Non-Certificate Account dividend rates and APYs disclosed in the Rate Schedule reflect the dividend rates and APYs as of the last dividend declaration date. For Certificate Accounts, the dividend rates and APYs disclosed in the Rate Schedule were offered within the most recent seven calendar days and were accurate as of the today’s date. Rates are subject to change at any time. Please contact us at (000)000-0000 or go to xxx.XXXX.xxx to obtain current rate information. Nature of Dividends Except for Certificate Accounts, dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. Fees and Charges Fees and charges that may be assessed against your Accounts are disclosed in the Fee Schedule. You authorize us to charge any Account in which you have an ownership interest for any such fees or charges assessed without notice to you. Compounding and Crediting Dividends are compounded and credited monthly on all accounts. Effect of Closing If you close your Account before dividends are paid, you will receive the accrued dividends. Balance Computation Method For all Accounts, dividends are calculated by the daily balance method, which applies a daily periodic rate to the balance in the Account each day. For tiered-rate Accounts, we use the average daily balance method to determine the applicable tier and rate for your Account during the period. The average daily balance is calculated by adding the balance in the Account for each day of the period and dividing that figure by the number of days in the period. The dividend rate corresponding to the average daily balance of the Account for the period will be paid on the entire balance of your Account. Accrual of Dividends or Interest Dividends will begin to accrue on the business day you deposit funds. Transaction Limitations The Credit Union reserves the right to require a member intending to make a withdrawal from any Account (except a Checking Account) to give written notice of such intent not fewer than seven days and up to 60 days before such withdrawal. We currently do not exercise this right and we have not exercised it in the past. The $5 membership share in your Savings Account may not be withdrawn unless your Credit Union membership is terminated. Note: A minimum balance of $5 must be maintained in the primary savings account during the entire time the account remains open. Savings Accounts - During any month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a preauthorized transfer, an automatic transfer, or a telephonic order or instruction. Automatic transfers include audio response and home banking transfers to other Accounts of yours. Unlimited withdrawals and transfers may be completed from your Savings Accounts each month at our branch locations, by mail, and through ATMs where permitted. Withdrawals or transfers that exceed the maximum number permitted may be declined. Traditional IRA and Xxxx XXX Savings and Certificate Accounts - Annual contributions to IRA and Xxxx XXX Accounts are limited to the maximum amount allowed by federal law. Early withdrawals from IRA and Xxxx XXX Accounts may be subject to additional taxes imposed by the Internal Revenue Service. Please consult a qualified tax professional for more information. Certificate Accounts – Additions to the principal may not be made during the term of a Certificate Account. Additions to certificate principal are allowable at maturity or during the 10-day grace period. In addition, early withdrawal penalties may apply to partial or full withdrawals. Please refer to the Certificate Account disclosures below for more information. Features of Certificate Accounts Early Withdrawal Penalties – We will impose a penalty if you close your Certificate Account before maturity. The penalty will be equal to the earnings on the amount withdrawn from the Certificate for the number days listed below, whether earned or not: CDs with maturities of one year or less forfeit all dividends earned, not to exceed 90 days dividends, with a minimum of 30 days. CDs with maturities in excess of one year but less than five years forfeit all dividends earned, not to exceed 180 days dividends, with a minimum of 60 days dividends, whether earned or not. CDs with maturities of five years or more forfeit all dividends earned, not to exceed 360 days dividends, with a minimum of 90 days dividends, whether earned or not. In some cases, we may waive the early withdrawal penalty such as the death or incompetency of an Account Owner. The early withdrawal penalty does not apply if you are over age 70.5 and making a mandatory distribution from a Traditional IRA certificate". If your Certificate is part of an IRA plan, please consult a qualified tax professional concerning additional IRS penalties and tax consequences that may apply in connection with early closure of a Certificate Account. The penalty on partial withdrawals will be assessed on the principal portion being withdrawn, not the dividends earned. Dividends – At Account opening, you may choose to have Certificate Account dividends credited to your Savings, Checking, or Money Market Account or credited to your Certificate Account. Once you elect a dividend-payment option, it may not be changed until the Certificate matures. The Annual Percentage Yields disclosed for Certificate Accounts are based on an assumption that the dividends will be credited to and remain in the Certificate Account until maturity. A withdrawal will reduce earnings. Renewal Policy –Certificate Accounts will automatically renew at maturity. Following the Certificate’s maturity, you will have a 10 calendar day grace period to add or withdraw funds or to change the term of the Certificate without being charged an early withdrawal penalty. If your Certificate is pledged as loan collateral and, unless you make arrangements prior to maturity, the balance of your Certificate Account will be applied to your loan at maturity and any remaining amount will be deposited to your Savings Account. Account Restrictions Accounts are non-transferable and non-negotiable. Funds in your Accounts may not be pledged to secure any obligation of yours, except for those obligations owed to Statewide Federal Credit Union.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to other check copies or images we provide to you or to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? Your Rights Regarding Substitute Checks In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF or refund check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest interest/dividends on the amount of your refund if your account is an interest-/dividend bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawlaws. If you use this procedure, you may receive up to $2,500.00 2500 of your refund (plus interest plus, interest/dividends if your account earns interest/dividend) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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.ten

Substitute Checks and Your Rights. As our customer we think it’s important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-interest- bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Columbia Bank PO Box 2056 Tacoma, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, WA 98401-2056 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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: 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. SERVICES WIRE TRANSFERS AND ACH PAYMENTS - Wire transfers are subject to the Wire Transfer Terms and Conditions, as amended from time to time. A copy of the Wire Transfer Terms and Conditions is available at any branch. We have no obligation to accept incoming funds transfers for your benefit. All credits to your account(s) for a funds transfer are provisional until we receive final payment for the amount of the transfer. If we do not receive final payment, you agree to refund to us the amount of the transfer. We will not provide you with a separate notice each time we receive a wire transfer to your account. If we accept a payment through an automated clearing house (ACH), the operating rules of the National Automated Clearing House Association will apply, and we will not give you notice of the payment. Instead, incoming wires and ACH payments will be reflected on your periodic statement. If you request paper, fax or email advice for wire transfers, and we agree separately in writing to comply with such request, you agree to exercise care in maintaining your own security in the receipt of advice of wire transfers. You acknowledge that you alone assume full responsibility for maintenance of your internal security procedures to keep your information confidential. You agree that we will not be required to provide any other notice to you. NIGHT DEPOSITORY - You assume any and all risk arising out of the use of any night depository facility. You agree that we are not responsible for any loss or damage that results from a mechanical defect, act of God, or malfunction with respect to the facility itself, lock bag or any other receptacle used by you, unless such damage or loss is caused by our gross negligence or deliberate malfeasance. You further agree that we will not be responsible for any loss or personal or pecuniary injury occasioned by the use of the night deposit facility resulting from unlawful acts of other persons, including, but not limited to assault, theft, vandalism, or malicious mischief. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month). Other account transfer restrictions may be described elsewhere. CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint. SAVINGS AND MONEY MARKET ACCOUNTS TRANSFER LIMITATIONS - For savings and money market accounts you may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule or (iii) upon oral or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you. More than 6 withdrawals per statement cycle would be considered a violation of law and this agreement. Violations of this nature may result in us closing your account.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image images of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. You can use it the same way as 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 that you receive back from us the Bank may be substitute checks. This notice section describes the rights you have when you receive substitute checks from usthe Bank. The rights in this notice section do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows procedures allowing you to request a refund for losses you suffer if a substitute check is posted to your account Account (for examplee.g., if you think that we withdrew the wrong amount was withdrawn from your account Account or that we withdrew money was withdrawn from your account Account more than once for the same check). The losses you may attempt to recover under this procedure these procedures may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for examplee.g., bounced check NSF fees). The amount of your refund under this procedure these procedures is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your refund if your account Account is an interest-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawapplicable laws. If you use this procedurethese procedures, you may receive up to two thousand five hundred dollars ($2,500.00 2,500) of your refund (plus interest if your account Account earns interest) within 10 ten (10) business days after we received the Bank receives your claim claim, and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 forty-five (45) calendar days after we received the Banks receives your claim. We The Bank may reverse the refund (including any interest on the refund) if we later are the Bank is able to demonstrate that the substitute check was correctly posted to your accountAccount. 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 that was posted to your accountAccount, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxthe Bank using the contact information provided in the Important Bank Contact Information section of this Agreement. You must contact us the Bank within 40 forty (40) calendar days of the date that we the Bank mailed or delivered (or otherwise delivered by a means to which you agreed) the substitute check in question or the account periodic Account statement showing that the substitute check was posted to your accountAccount, whichever is later. We The Bank 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 Checksubstitute check or the following information to help Bank identify the substitute check: the check number, the name of the person to whom you wrote the check, the date the check was written, and the amount of the check.

Substitute Checks and Your Rights. As our member, we think it is important for you to know about substitute checks and the Check 21 Act. As a result, we want to advise you that you may see differences in check images when you view your account information online or request a copy of your original check for proof of payment. The following Substitute Check Disclosure provides information about substitute checks and your rights. In order to help you recognize a substitute check when you begin to receive them, we have included a copy of a substitute check. What is a substitute check? To make A substitute check processing fasteris a paper copy of the front and back of the original check that becomes the legal equivalent of the original check. A substitute check can be used the same way as the original check, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in including proof you made a payment, if it includes the Check Clearing for the 21st Century Act (“Check 21”)following: 1. These checks are similar in size to original checks with a slightly reduced image an accurate copy of the front and back of the original check, and 2. The front of a substitute check statescontains the words: "“This is a legal copy of your check. You can use it the same way you would use the original check." You may use ” A substitute check that meets these requirements is generally subject to the same federal and state laws that apply to an original check. Front view of a substitute check as proof Back view of payment just like the original check. Some or all of the checks that you receive back from us may be a substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. check What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount was withdrawn from your account or that we withdrew money was withdrawn from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing accountearns dividends. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we the Credit Union received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We The Credit Union may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to received a substitute check that check, you received and that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 calendar days of the date that we mailed can file a special claim with Team One Credit Union for a refund (or otherwise delivered by a means to which you agreedcalled an “expedited recredit”) 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.believe that:

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌‌‌ General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits banks and credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check returned item or overdraft fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do Do I make Make a claim Claim for a refundRefund? 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 nbkc bank000.000.0000, 0000 Xxxx Xxxxxxxor 000 X. Xxxxxxxxx Xxxxx, Kansas CityXxxxxxxxx, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxXX 00000. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute check; the check number; the name of the person to whom you wrote the check; and the amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "; “This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksYour Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). ) The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever whichever, is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (refund, plus interest if your account earns interest, within ten (10) within 10 business days after we received receive your claim and the remainder of your refund (refund, plus interest if your account earns interest) , not later than 45 forty-five (45) calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make Do You Make a claim Claim for a refundRefund? 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxxxxxxxxxxxxxxx@xxxxxxxxxxx.xxx or 0000 X Xxxxxx Xxx Xxxxxx, XX 00000. You must contact us within 40 forty (40) calendar days of the date that we will be 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 Checksubstitute checks and/or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check.

Substitute Checks and Your Rights. (Check 21) The Check Clearing for the 21st Century Act (Check 21) is only applicable to Accounts held by a natural person used primarily for personal, family, or household purposes. There are some important information for you to know about substitute checks and your rights. What is Is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your accountAccount. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre My Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account Account or that we withdrew money from your account Account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interest-bearing accountAccount. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your accountAccount. How do Do I make Make a claim Claim for a refundRefund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your accountAccount, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000 or 000-000-0000 or by writing to us at Credit Union of Texas, P.O. Box 7000, Allen, TX 00000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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 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 Checksubstitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, and the amount of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover the item. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a substitute checkCheck? To make check processing faster, federal law permits credit unions and banks to replace original checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original origi- nal check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, a federal law called the Check 21 Act provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees)withdrawal. The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, checks whichever is less. You also are entitled to interest on the amount of your 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 re- cover additional amounts under other the law. If you use this procedure, you may receive up to $2,500.00 2500 of your refund (plus interest if your account earns interest) interest within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute sub- stitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxx. You you must contact us within 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 a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrectincor- rect); • An 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.ELECTRONIC FUNDS TRANSFER AGREEMENT AND DISCLOSURES

Substitute Checks and Your Rights. What is a "substitute check"? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when if you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for examplee.g., if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for examplee.g., bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim What is the process for claiming 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 0-000-000-00000000 or write South State Bank, xxxxxxx.xxx@xxxx.xxxDeposit Operations, P.O. Box 118068, Charleston, SC 29423. You must contact us within 40 calendar days of the mailing date that we mailed (or otherwise delivered by a means to which you agreed) of 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 examplei.e., 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 your loss; and •  A copy of the Substitute Checksubstitute check; and  To help us identify the substitute check, your account number, the check number, the name of the payee on the check, and the amount and date of the check.

Substitute Checks and Your Rights. What is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). Substitute Checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check Substitute Check states: "“This is a legal copy of your check. You can use it the same way you would use the original check." ” You may use a substitute check Substitute Check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checksSubstitute Checks. This notice describes rights you have when you receive substitute checks Substitute Checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check Substitute Check is posted to your account (for example, if you think that we withdrew the wrong amount was withdrawn from your account or that we withdrew money was withdrawn from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute checkSubstitute Check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute checkSubstitute Check, you may be able to recover additional amounts under other lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim is received and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claimclaim is received. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check Substitute Check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check Substitute Check that you received and that was posted to your account, please contact us First National Bank in writing at nbkc bank, 0000 Xxxx XxxxxxxXxxxx Xxxxxx, Kansas CityXxxxxxxxx, MOXX 00000, 64114, at xxx.xxx-xxxxxx.xxx or call 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check Substitute Check in question or the account statement showing that the substitute check 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 Substitute Check you received is insufficient to confirm that you suffered a loss; and • A copy of the Substitute Check.Check and/or the following information to help us identify the substitute check: identifying information, for example, the check number, the name of the person to whom you wrote the check, and the amount of the check. Table of Contents FIRST NATIONAL BANK OF PENNSYLVANIA CUSTOMER AGREEMENT FOR FNB ONLINE SERVICES July 2011 this page verifies that your system has the necessary software to permit you to receive and access PDF files. PART A: ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT PART B: GENERAL TERMS PART C: FEDERAL RULES APPLICABLE TO ELECTRONIC FUNDS PART A/ELECTRONIC RECORDS DISCLOSURE AND AGREEMENT

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes the rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checksSubstitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced NSF check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You are also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I you make a claim 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 nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxus. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute checks: the check number, the name of the person to whom you wrote the check and the amount of the check. Overdrafts and Nonsufficient Funds‌ When we determine that you do not have enough available funds in your account to cover an Item (including an ATM or Debit Card transaction), then we consider the Item an insufficient funds item. If you have enrolled in our optional Overdraft Line of Credit Program and have enough funds in the linked account under the Overdraft Line plan, we transfer funds to cover ACH and check items. You may also establish a link from your checking account to a savings account or money market account to cover the shortfall in your checking account. Otherwise, without notice to you, we either authorize or pay the insufficient item and overdraw your account (an overdraft item) or we decline or return the insufficient item without payment (a returned item). All types of Items, including Bank fees, may overdraw your account. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. If we authorize or pay an item and create an overdraft, you must pay back any overdraft immediately. Each Owner will be jointly and severally liable to pay back any overdraft created by any account Owner, even if the Owner did not write the check, initiate the transaction, benefit from it or make any deposits to the account. If we overdraw your account to pay items on one or more occasions, we are not obligated to continue to paying future insufficient funds items. We may also close your account due to overdraft activity. See Closing an Account. You agree that we may apply deposits (including, but not limited to, Social Security and similar benefits) to overdrafts without notice to or consent from you, unless the law states otherwise. We may charge you a fee regardless of whether we authorize, pay or return an item. We may assess this fee for each item we authorize, pay or return. See our Schedule of Fees herein. Overdraft Protection‌ The Bank Offers overdraft protection services that may protect your account against overdrafts in the event you do not have sufficient available funds to cover an item authorized or presented for payment. Overdraft protection may be less costly than paying overdraft or Non-sufficient return item fees. • Overdraft Protection By Linked Accounts – With this plan, you authorize the Bank to make an automatic transfer from your savings account to cover items presented for payment against non-sufficient funds to your designated checking account. These automated transfers are considered limited transfers and each transfer is counted as one of the six transfers from a savings account allowed per calendar month per federal regulations. A transfer occurs from your savings account to cover items presented against non-sufficient funds. Transfers are made for the exact amount to cover the shortfall in Available Funds. Electronic Fund Transfer (EFT) Services‌‌‌ General Rules and Definitions This agreement (the "EFT Agreement") governs your use of Electronic Funds Transfer Services described below ("EFT Services") that are available for the Accounts opened through the Bank Website (the "Website"). The following provisions apply only to accounts established primarily for personal, family, or household purposes. This EFT Agreement describes your rights as well as your responsibilities and as such should be read carefully. We recommend that you keep the EFT Agreement for future reference.

Substitute Checks and Your Rights. What is a "substitute check"? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when if you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my your rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for examplee.g., if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for examplee.g., bounced check Returned Item fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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 lawlaws. If you use this procedure, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim What is the process for claiming a refund? If you believe that you have suffered a loss relating to a substitute substitute, check that you received and that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 0-000-000-00000000 or write us at: SouthState Bank, xxxxxxx.xxx@xxxx.xxx. Attn: Deposit Operations P.O. Box 118068 Charleston, SC 29423 You must contact us within 40 calendar days of the mailing date that we mailed (or date otherwise delivered by a means to which you agreed) of 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 examplei.e., 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 your loss; and . • A copy of the Substitute Checksubstitute check; and • To help us identify the substitute check, your account number, the check number, the name of the payee on the check, and the amount and date of the check.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of This policy statement applies to all deposit accounts. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are open, we will consider that day to your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000-000-0000, xxxxxxx.xxx@xxxx.xxxthe telephone number or address listed in this brochure. You must contact us within 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: • include f } 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 Checksubstitute check (and/or) the following information to help us identify the substitute check: identifying information, for example, the check number, the name of the person to whom you wrote the check, and the amount of the check.

Substitute Checks and Your Rights. As our customer, we think it’s important for you to know about Substitute Checks. The following Substitute Check Disclosure provides information about Substitute Checks and your rights. So you will recognize Substitute Checks when you receive them, we have included a copy of the front side of a Substitute Check along with an explanation of the Substitute Check’s components. What is a substitute checkSubstitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks Original Checks with "“substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). .” These checks Checks are similar in size to original checks Original Checks with a slightly reduced image of the front and back of the original checkOriginal Check. The front of a substitute check Substitute Check states: "“This is a legal copy of your checkCheck. You can use it the same way you would use the original checkOriginal Check." ” You may use a substitute check Substitute Check as proof of payment just like the original checkOriginal Check. Some or all of the checks Checks that you receive back from us may be substitute checksSubstitute Checks. This notice describes rights you have when you receive substitute checks Substitute Checks from us. The rights in this notice do not apply to original checks Original Checks or to electronic debits EFTs to your accountAccount. 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 allows you to request a refund for losses you suffer if a substitute check Substitute Check is posted to your account Account (for example, if you think that we withdrew the wrong amount from your account you’re Account or that we withdrew money from your account Account more than once for the same checkCheck). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account Account and fees that were charged as a result of the withdrawal (for example, bounced check Check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute checkSubstitute Check, whichever is less. You also are entitled to interest on the amount of your refund if your account Account is an interest-bearing account. If your loss exceeds the amount of the substitute checkSubstitute Check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account Account earns interest) within 10 business days ten (10) Business Days after we received your claim and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 forty-five (45) calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check Substitute Check was correctly posted to your accountAccount. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check Substitute Check that you received and that was posted to your accountAccount, please contact us at nbkc bankat: First Command Bank P.O. Box 901041 Ft. Worth, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, 000Texas 76101-000-0000, xxxxxxx.xxx@xxxx.xxx. 2041 0.000.000.0000 xxxx@xxxxxxxxxxxx.xxx You must contact us within 40 sixty (60) calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check Substitute Check in question or the account Account statement showing that the substitute check 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: 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 Substitute Check you received is insufficient to confirm that you suffered a loss; and • A copy of the Substitute Check or the following information to help us identify the Substitute Check.: the Check number, the amount of the Check, the date of the Check, the name of the person to whom you wrote the Check, and your Account number. These numbers correspond with the numbers on the Substitute Check Image:

Substitute Checks and Your Rights. As our customer we think it’s important for you to know about substitute checks. The following Substitute Check Disclosure provides information about substitute checks and your rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). “substitute checks.” These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This “This is a legal copy of your check. You can use it the same way you would use the original check." check.” You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your 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 allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bankat: Columbia Bank PO Box 2056 Tacoma, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, WA 98401-2056 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. 0000 You must contact us within 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 include — •A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An •An estimate of the amount of your loss; • An •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 or the following information to help us identify the substitute check: the check number, the amount of the check, and the name of the person to whom you wrote the check. SERVICES WIRE TRANSFERS AND ACH PAYMENTS - Wire transfers are subject to the Wire Transfer Terms and Conditions, as amended from time to time. A copy of the Substitute CheckWire Transfer Terms and Conditions is available at any branch. We have no obligation to accept incoming funds transfers for your benefit. All credits to your account(s) for a funds transfer are provisional until we receive final payment for the amount of the transfer. If we do not receive final payment, you agree to refund to us the amount of the transfer. We will not provide you with a separate notice each time we receive a wire transfer to your account. If we accept a payment through an automated clearing house (ACH), the operating rules of the National Automated Clearing House Association will apply, and we will not give you notice of the payment. Instead, incoming wires and ACH payments will be reflected on your periodic statement. If you request paper, fax or email advice for wire transfers, and we agree separately in writing to comply with such request, you agree to exercise care in maintaining your own security in the receipt of advice of wire transfers. You acknowledge that you alone assume full responsibility for maintenance of your internal security procedures to keep your information confidential. You agree that we will not be required to provide any other notice to you. NIGHT DEPOSITORY - You assume any and all risk arising out of the use of any night depository facility. You agree that we are not responsible for any loss or damage that results from a mechanical defect, act of God, or malfunction with respect to the facility itself, lock bag or any other receptacle used by you, unless such damage or loss is caused by our gross negligence or deliberate malfeasance. You further agree that we will not be responsible for any loss or personal or pecuniary injury occasioned by the use of the night deposit facility resulting from unlawful acts of other persons, including, but not limited to assault, theft, vandalism, or malicious mischief. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month). Other account transfer restrictions may be described elsewhere. CHECK CASHING - We may charge a fee for anyone that does not have an account with us who is cashing a check, draft or other instrument written on your account. We may also require reasonable identification to cash such a check, draft or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary or physical and may include collecting a thumbprint or fingerprint. SAVINGS AND MONEY MARKET ACCOUNTS TRANSFER LIMITATIONS - For savings and money market accounts you may make up to six transfers or withdrawals by means of a preauthorized, automatic, or telephonic transfer to another account of yours or to a third party or by check, debit card, or similar order to a third party during any calendar month (or statement cycle of at least four weeks). A preauthorized transfer includes any arrangement with us to pay a third party from your account at (i) a predetermined time; (ii) on a fixed schedule or (iii) upon oral or written orders including orders received through the automated clearing house (ACH). If the transfer or withdrawal is initiated in person, by mail, or at an ATM then there is no limit on the number of payments that may be made directly to you, directly to us for amounts you owe us, or transfers to other accounts you have with us. Withdrawals by phone are also unlimited if you are requesting that a check be mailed to you. More than 6 withdrawals per statement cycle would be considered a violation of law and this agreement. Violations of this nature may result in us closing your account.

Substitute Checks and Your Rights. What is a substitute check? To make check processing faster, federal law permits credit unions and banks financial institutions to replace original checks with "substitute checks" as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "“This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law laws with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for examplee.g., bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest dividends on the amount of your refund if your account is an interesta dividend-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other lawlaws. If you use this procedure, you may receive up to the lesser of the amount of your check and fees charged as a result of the withdrawal or $2,500.00 of your refund (plus interest dividends if your account earns interestdividends) within 10 ten business days after we received your claim claim, and the remainder of your refund (plus interest dividends if your account earns interestdividends) not no later than 45 calendar days after we received your claim. We may reverse the refund (including any interest dividends on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your 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 that was posted to your account, please contact us at nbkc bank, 0000 Xxxx Xxxxxxx, Kansas City, MO, 64114, (000) 000-0000 or (000) 000-00000000 toll free, xxxxxxx.xxx@xxxx.xxxand/or xxxxxx@xxxx.xxx. You must contact us within 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. We may require that you provide your claim in writing. Your claim must include: include – • A description of why you have suffered a loss (for examplee.g., you think the amount withdrawn was incorrect); 7 • 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 Checksubstitute check or the following information to help us identify the substitute check: The account on which the check was drawn, the check number, the date of the check, the name of the person to whom you wrote the check, and the amount of the check. TRUTH IN SAVINGS COMMON FEATURES For Dividend-Bearing Accounts • Transaction limitation - We reserve the right to at any time require not less than seven days notice in writing before each withdrawal from a dividend-bearing Account other than a time deposit, or from any other savings Account as defined by Federal Reserve Regulation D. • Dividend period - The dividend period is monthly, unless otherwise indicated. For example, the beginning date of the dividend period of the calendar year is January 1, and the ending date of the dividend period is January 31. All monthly dividend periods follow this same pattern of dates. The dividend declaration date is the last day of the dividend period and for the example above is January 31. • Accrual of dividends on noncash deposits - Dividends will begin to accrue on the business day you deposit noncash items (for example, checks) to your Account. • Daily balance computation method - Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the Account each day. • Nature of dividends - Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period.

Substitute Checks and Your Rights. What is This notice describes your rights in connection with a disputed transaction involving a substitute checkcheck received from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What Is a Substitute Check? To make check processing faster, federal law permits credit unions and banks to replace original checks with "substitute checks." as defined in the Check Clearing for the 21st Century Act (“Check 21”). These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. 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 that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checksAre Your Rights Regarding Substitute Checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your 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. If you use this procedure, you may receive up to $2,500.00 2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received receive your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do Do I make Make a claim Claim for a refundRefund? 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 nbkc bankat: HSA Bank, 0000 Xxxx XxxxxxxP.O. Box 939, Kansas CitySheboygan, MO, 64114, WI 53082 or 0-000-000-0000, xxxxxxx.xxx@xxxx.xxx. You must contact us within 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 Checksubstitute check and/or the following information to help us identify the substitute check: ◆ Identifying information, for example, the check number; ◆ The name of the person to whom you wrote the check; ◆ The amount of the check.