Common use of Substitute Checks and Your Rights Clause in Contracts

Substitute Checks and Your Rights. To make check processing faster, federal law permits credit unions and banks to replace original checks with “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 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 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. 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 Bank withdrew the wrong amount from your account or that 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 The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal. The amount of your refund under this 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 policy, you may receive up to $2,500.00 of your refund (plus interest if your account earns interest) within 10 business days after Bank received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after Bank received your claim. Bank may reverse the refund (including any interest on the refund) if Bank later is able to demonstrate that the substitute check was correctly posted to your account. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. You must contact Bank within 40 calendar days of the date that 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. Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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”. 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, Some or all of the checks that are returned to you receive back from Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, overdraft fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank 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 Bank received your claim. Bank may reverse the refund (including any interest on the refund) if Bank later is able to demonstrate that the substitute check was correctly posted to your account. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. You must contact Bank within 40 calendar days of the date that 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. Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a copy of the Substitute Check.forty-five

Substitute Checks and Your Rights. This notice describes your rights in connection with a disputed transaction involving a substitute check 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. What Are 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 Bank we withdrew the wrong amount from your account Account or that Bank 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is able to demonstrate that the substitute check was correctly posted to your accountAccount. MAKING A CLAIM. How Do 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 accountAccount, please contact Bank us at: nbkc HSA Bank, 0000 Xxxx XxxxxxxP.O. Box 939, Kansas CitySheboygan, MO 64114, 888.905.2165, WI 53082 or xxxxxxx.xxx@xxxx.xxx0-000-000-0000. You must contact Bank us within 40 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) provided the substitute check in question or the account Account statement showing that the substitute check was posted to your accountAccount, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS.  What are 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 the Bank withdrew the wrong amount from your account or that the Bank withdrew withdre w 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank received we 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 Bank received we receive your claim. The Bank may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM.  How do 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 Bank at: nbkc Bankus at X.X. Xxx 0000, 0000 Xxxx XxxxxxxXxxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxxXxxxxxxxxxx 00000-0000. You must contact Bank us within 40 forty (40) calendar days of the date that the 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. 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: (i) a o A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an o An estimate of the amount of your loss; (iii) an o An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a 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. 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”. These checks are similar in size to original aresimilar insize tooriginal checks with a slightly aslightly 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. What are 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 Bank we withdrew the wrong amount from your account or that Bank 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 fromyour account and fees that were charged as a result of the withdrawal. withdrawal (for example, NSF check fees) The amount of your refund under this policy 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 policyprocedure, 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 Bank received we 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 Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. How Do 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, us at the telephone number or xxxxxxx.xxx@xxxx.xxxmailing address provided in this notice. You must contact Bank us within 40 forty (40) calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an loss • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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. 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank us at: nbkc First Command Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. You must contact Bank within 40 calendar days of the date that 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. Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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”. 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, Some or all of the checks that are returned to you receive back from Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, overdraft fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank 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 Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, call us at the Phone Number set forth in the Rate and Fee Schedule or xxxxxxx.xxx@xxxx.xxxwrite to us at Address in the Rate and Fee Schedule. You must contact Bank us within 40 calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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”. 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, Some or all of the checks that are returned to you receive back from Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, overdraft fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank 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 Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, call us at the Phone Number set forth in the Rate and Fee Schedule or xxxxxxx.xxx@xxxx.xxxwrite to us at Address in the Rate and Fee Schedule. You must contact Bank us within 40 calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. .Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a copy of the Substitute Check.:

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. 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank us at: nbkc Bank, First Community Credit Union 000 00xx Xxxxxx XX PO Box 2180 Jamestown ND 58402-2180 000-000-0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. 000-000-0000 You must contact Bank us within 40 60 calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a • 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 the account number. These numbers correspond with the numbers on the Substitute Check.Check Image:

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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, us at our branch or call us at 0-000-000-0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxxsign on to Connect GKCU at xxx.xxxxxxxxxx.xxx and send a Secure Message to request a refund. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail or by any other method we make available to you, including at CashPoints ATMs. We will not be responsible for deposits made by or through a depository not staffed by our personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits.

Substitute Checks and Your Rights. As our customer we think it is 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”. .” 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 your receive back from Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal ( for example, bounced check fees). The amount of your refund under this policy 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 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 policyprocedure, 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 Bank we received your claim and the remainder of your refund (( plus interest if your account earns interest) not later than 45 calendar days after Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank us at: nbkc BankFirst Bank & Trust East Texas 000 X. Xxxxxx Diboll, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. Texas 75941 (888) 608‐7787 You must contact Bank us within 40 calendar days of the date that Bank or we mailed (or for 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a include – • A description of why you have suffered a loss (( for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a • A copy of the Substitute Checksubstitute check or the following information to help us identify the substitute check; the check number.

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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bankus at your local branch, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165call us at 0-000-000-0000, or xxxxxxx.xxx@xxxx.xxxsign on to Member Access at xxx.xxxxxx.xxx and send a Secure Message to request a refund. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail or by any other method we make available, including CashPoints ATMs. We will not be responsible for deposits made by or through a depository not staffed by our personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits.

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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example: return check fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 forty-five (45) calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. You must contact Bank within 40 calendar days of the date that 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. Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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 financial institutions to replace original checks with “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 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, your local branch or xxxxxxx.xxx@xxxx.xxxcall 000.000.0000 or log onto the Member Connect section of the LGFCU website at xxxxx.xxx to complete the appropriate form. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail or by any other method we make available, including ATMs. We will not be responsible for deposits made by or through a depository not staffed by our personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits. Endorsement of Deposited Items: If you fail to endorse an item that you submit for deposit, we have the right, but are not obligated, to supply a stamped endorsement. We may, at our discretion, require that certain checks, including but not limited to government checks or insurance company checks, be personally endorsed by each payee. You agree to reimburse LGFCU for any loss or expense we incur because you fail to endorse an item exactly as it is drawn. Subsequent Verification of Deposits: All deposits are subject to our subsequent verification and adjustment, even if you have already withdrawn all or part of the deposit. Even though we provide you a receipt or acknowledgement, deposits are still subject to subsequent verification and adjustment. Return of Direct Deposits: If, for any reason, we are required to reimburse the federal or state government or any other depositor for all or any portion of any payment deposited into your account through a direct deposit plan, you agree that we may, without prior notice to you, deduct the amount returned from your account or from any other account you have with LGFCU, unless the deduction is prohibited by law. Collection of Items In receiving items for deposit or collection, LGFCU acts only as your collecting agent and assumes no responsibility beyond the exercise of due care. We are not responsible for errors or delays caused by others in the collection process. Delivery to LGFCU of items for deposit, collection, credit or payment will constitute your acceptance of these conditions. Returned Items: If we cash an item or deposit it into your account and, upon presentment to the obligated party, the item is not paid for any reason (or we believe it will be returned unpaid), it may be charged back against your account (or any other account you have with us), even if the item is not returned within any applicable deadlines. We can also charge back any item drawn on us if, within the normal handling period for such item, it cannot be honored against the drawer’s account. If an item is returned to us after it was deposited or cashed because someone made a claim that the item was altered, forged, unauthorized or should not have been paid for some other reason, we reserve the right to either charge back the amount of such item to your account or hold the amount of such item in your account until a final determination as to the validity of that claim has been made. We may also charge back an item or hold the amount of an item if there is a problem which, in our judgment, justifies a reversal of credit. We are authorized to pursue collection of previously dishonored items, and in so doing may permit the payor financial institution to hold an item beyond the normal deadline to pay or return an item. Processing of Items: Items may be sent directly to the financial institution upon which they are drawn or at which they are payable, or they may be sent through collecting agents for collection and remittance.

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”. 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: 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, Some or all of the checks that are returned to you receive back from Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, overdraft fees). The amount of your refund under this policy 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-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 policyprocedure, 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 Bank 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 Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, call us at the Phone Number or xxxxxxx.xxx@xxxx.xxxwrite to us at the Address set forth at the end of this booklet. You must contact Bank us within 40 calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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”. 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, Some or all of the checks that are returned to you receive back from Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, overdraft fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank we received your claim and the remainder of your refund (plus interest interest, if your account earns interest) not later than 45 forty-five (45) calendar days after Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. You must contact Bank within 40 calendar days of the date that 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. Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS.  What are 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 the Bank withdrew the wrong amount from your account or that 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank received we 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 Bank received we receive your claim. The Bank may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM.  How do 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 Bank at: nbkc Bankus at X.X. Xxx 0000, 0000 Xxxx XxxxxxxXxxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxxXxxxxxxxxxx 00000-0000. You must contact Bank us within 40 forty (40) calendar days of the date that the 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. 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: (i) a o A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an o An estimate of the amount of your loss; (iii) an o An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a 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 financial institutions to replace original checks with “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 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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. The withdrawal (for example, returned check fees).The amount of your refund under this policy 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 policyprocedure, 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 Bank 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 Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bankmail us at LGE Community Credit Union, Support Services Department, X.X. Xxx 0000, Xxxxxxxx, Xxxxxxx 00000-0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxxyou may call 000-000-0000 or you may email us at xxx.XXXxxx.xxx. You must contact Bank us within 40 forty (40) calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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). Truth-In-Savings Act Disclosure (Saving and Checking Accounts) Rate Information, Payment and Balance Computation: Your dividend rate and annual percentage yield may change. At our discretion, we may change the dividend rate and Annual Percentage Yield on your Account any time without notice to you. We may also change the manner in which dividends are calculated and/or credited to you, by posting the change in our branch offices, by making such information available upon request in our branch offices, or in any other manner required or permitted by law. If you desire current dividend rate and annual percentage yield information, please ask in any branch office, telephone your Credit Union representative, or review online at xxx.XXXxxx.xxx. We reserve the right to calculate dividends for those dividend bearing Accounts which are used for Commercial or other non-personal purposes, in a manner different from those dividend-bearing Accounts which are used for personal, household or family purposes. We must report dividends on certain non-corporate Accounts to the appropriate governmental agencies. It is your responsibility to give us your correct tax identification number and to make certain written certifications to us as required by law. If you fail to give us your number or the required certifications, we may withhold and pay to the government a percentage of the dividends earned on your Account, as required by law. You may also be subject to government penalties. Compounding and Crediting: Dividends will be compounded and will be credited as set forth in the Commercial Rate Schedule. The Dividend Period ("period") for each of your accounts is set forth in the Commercial Rate Schedule. The dividend period begins on the first calendar day of the period and ends on the last calendar day of the period. If your account is closed or you make a withdrawal during a dividend period before dividends are credited, you may not receive accrued but uncredited dividends.

Substitute Checks and Your Rights. This notice describes your rights in connection with a disputed transaction involving a substitute check 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. What Are 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 Bank we withdrew the wrong amount from your account Account or that Bank 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is able to demonstrate that the substitute check was correctly posted to your accountAccount. MAKING A CLAIM. 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 Bank us at: nbkc HSA Bank, X.X. Xxx 000, Xxxxxxxxx, XX 00000 or 000-000-0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxxxxxxx@xxxxxxx.xxx. You must contact Bank us within 40 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) provided the substitute check in question or the account Account statement showing that the substitute check was posted to your accountAccount, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a • A copy of the Substitute Checksubstitute check and/or the following information to help us identify the substitute check: O Identifying information, for example, the check number; O The name of the person to whom you wrote the check; O The amount of the check.

Substitute Checks and Your Rights. What is a Substitute Check?: To make check processing faster, federal law l aw permits credit unions and banks financial institutions to replace original checks with “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 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, your local branch or xxxxxxx.xxx@xxxx.xxxcall 888 .732.8562 or log onto the Member Connect section of the LGFCU website at xxxxx.xxx to complete the appropriate form. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail or by any other method we make available, including ATMs. We will not be responsible for deposits made by or through a depository not staffed by our personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits. Endorsement of Deposited Items: If you fail to endorse an item that you submit for deposit, we have the right, but are not obligated, to supply a stamped endorsement. We may, at our discretion, require that certain checks, including but not limited to government checks or insurance company checks, be personally endorsed by each payee. You agree to reimburse LGFCU for any loss or expense we incur because you fail to endorse an item exactly as it is drawn. Subsequent Verification of Deposits: All deposits are subject to our subsequent verification and adjustment, even if you have already withdrawn all or par t of the deposit. Even though we provide you a receipt or acknowledgement, deposits are still subject to subsequent verification and adjustment. Return of Direct Deposits: If, for any reason, we are required to reimburse the federal or state government or any other depositor for all or any portion of any payment deposited into your account through a direct deposit plan, you agree that we may, without prior notice to you, deduct the amount returned from your account or from any other account you have with LGFCU, unless the deduction is prohibited by law. Collection of Items In receiving items for deposit or collection, LGFCU acts only as your collecting agent and assumes no responsibility beyond the exercise of due care. We are not responsible for errors or delays caused by others in the collection process. Delivery to LGFCU of items for deposit, collection, credit or payment will constitute your acceptance of these conditions. Returned Items: If we cash an item or deposit it into your account and, upon presentment to the obligated party, the item is not paid for any reason (or we believe it will be returned unpaid), it may be charged back against your account (or any other account you have with us), even if the item is not returned within any applicable deadlines. We can also charge back any item drawn on us if, within the normal handling period for such item, it cannot be honored against the drawer’s account. If an i tem is returned to us after it was deposited or cashed because someone made a claim that the item was altered, forged, unauthorized or should not have been paid for some other reason, we reserve the right to either charge back the amount of such item to your account or hold the amount of such item in your account until a final determination as to the validity of that claim has been made. We may also charge back an item or hold the amount of an item if there is a problem which, in our judgment, justifies a reversal of credit. We are authorized to pursue collection of previously dishonored items, and in so doing may permit the payor financial institution to hold an item beyond the normal deadline to pay or return an item. Processing of Items: Items may be sent directly to the financial institution upon which they are drawn or at which they are payable, or they may be sent through collecting agents for collection and remittance.

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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, your local branch or xxxxxxx.xxx@xxxx.xxxcall 000.000.0000 or log onto the Member Connect section of the LGFCU website at xxxxx.xxx to complete the appropriate form. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail or by any other method we make available, including ATMs. We will not be responsible for deposits made by or through a depository not staffed by our personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits. Endorsement of Deposited Items: If you fail to endorse an item that you submit for deposit, we have the right, but are not obligated, to supply a stamped endorsement. We may, at our discretion, require that certain checks, including government checks or insurance company checks, be personally endorsed by each payee. You agree to reimburse LGFCU for any loss or expense we incur because you fail to endorse an item exactly as it is drawn. Subsequent Verification of Deposits: All deposits are subject to our subsequent verification and adjustment, even if you have already withdrawn all or part of the deposit. Even though we provide you a receipt or acknowledgement, deposits are still subject to subsequent verification and adjustment. Return of Direct Deposits: If, for any reason, we are required to reimburse the federal or state government or any other depositor for all or any portion of any payment deposited into your account through a direct deposit plan, you agree that we may, without prior notice to you, deduct the amount returned from your account or from any other account you have with LGFCU, unless the deduction is prohibited by law. This right is in addition to any other rights LGFCU has under this agreement and at law, including its right of setoff and lien. Collection of Items In receiving items for deposit or collection, LGFCU acts only as your collecting agent and assumes no responsibility beyond the exercise of due care. Special instructions for handling an item are effective only if we accept them in writing at the time we receive the item in question. We are not responsible for errors or delays caused by others in the collection process. Delivery to LGFCU of items for deposit, collection, credit or payment will constitute your acceptance of these conditions. Returned Items: If we cash an item or deposit it into your account and, upon presentment to the obligated party, the item is not paid for any reason (or we believe it will be returned unpaid), it may be charged back against your account (or any other account you have with us), even if the item is not returned within any applicable deadlines. We can also charge back any item drawn on us if, within the normal handling period for such item, it cannot be honored against the drawer’s account. If an item is returned to us after it was deposited or cashed because someone made a claim that the item was altered, forged, unauthorized or should not have been paid for some other reason, we reserve the right to either charge back the amount of such item to your account or hold the amount of such item in your account until a final determination as to the validity of that claim has been made. We may also charge back an item or hold the amount of an item if there is a problem which, in our judgment, justifies a reversal of credit. We are authorized to pursue collection of previously dishonored items, and in so doing may permit the payor financial institution to hold an item beyond the normal deadline to pay or return an item. Processing of Items: Items may be sent directly to the financial institution upon which they are drawn or at which they are payable, or they may be sent through collecting agents for collection and remittance.

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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Account (for example, if you think that Bank we withdrew the wrong amount from your account Account or that Bank 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. 66 If you use this policyprocedure, you may receive up to two thousand five hundred ($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 Bank 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 Bank received your claim. Bank may reverse the refund (including any interest on the refund) if Bank later is able to demonstrate that the substitute check was correctly posted to your account. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxx. You must contact Bank within 40 calendar days of the date that 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. Bank will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a copy of the Substitute Check.forty five

Substitute Checks and Your Rights. This notice describes your rights in connection with a disputed transaction involving a substitute check 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. What Are 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 Bank we withdrew the wrong amount from your account Account or that Bank 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 withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest if your account Account earns interest) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is able to demonstrate that the substitute check was correctly posted to your accountAccount. MAKING A CLAIM. 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 Bank us at: nbkc HSA Bank, X.X. Xxx 000, Xxxxxxxxx, XX 00000 or 000-000-0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxxxxxxx@xxxxxxx.xxx. You must contact Bank us within 40 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) provided the substitute check in question or the account Account statement showing that the substitute check was posted to your accountAccount, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a • A copy of the Substitute Checksubstitute check and/or the following information to help us identify the substitute check: o Identifying information, for example, the check number; o The name of the person to whom you wrote the check; o The amount of the check.

Substitute Checks and Your Rights. This notice describes your rights in connection with a disputed transaction involving a substitute check 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. What Are 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 Bank we withdrew the wrong amount from your account or that Bank 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 with-drawn from your account and fees that were charged as a result of the withdrawalwithdrawal (for example, bounced check fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. How Do I Make a Claim for a Refund? If you believe that you have suffered suf- fered a loss relating to a substitute check that you received and that was posted to your account, please contact Bank us at: nbkc HSA Bank, 0000 Xxxx XxxxxxxP.O. Box 939, Kansas CitySheboygan, MO 64114, 888.905.2165, WI 53082 or xxxxxxx.xxx@xxxx.xxx0-000-000-0000. You must contact Bank us within 40 calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an An estimate of the amount of your loss; (iii) an An explanation of why the substitute check you received is insufficient insuf- ficient to confirm that you suffered a loss; and (iv) 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 financial institutions to replace original checks with “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 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, your local branch or xxxxxxx.xxx@xxxx.xxxcall 000.000.0000 or log onto the Member Connect section of the LGFCU website at xxxxx.xxx to complete the appropriate form. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient insufficient to confirm confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail or by any other method we make available, including ATMs. We will not be responsible for deposits made by or through a depository not staffed by our personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits. Endorsement of Deposited Items: If you fail to endorse an item that you submit for deposit, we have the right, but are not obligated, to supply a stamped endorsement. We may, at our discretion, require that certain checks, including but not limited to government checks or insurance company checks, be personally endorsed by each payee. You agree to reimburse LGFCU for any loss or expense we incur because you fail to endorse an item exactly as it is drawn. Subsequent Verification of Deposits: All deposits are subject to our subsequent verification and adjustment, even if you have already withdrawn all or part of the deposit. Even though we provide you a receipt or acknowledgement, deposits are still subject to subsequent verification and adjustment. Return of Direct Deposits: If, for any reason, we are required to reimburse the federal or state government or any other depositor for all or any portion of any payment deposited into your account through a direct deposit plan, you agree that we may, without prior notice to you, deduct the amount returned from your account or from any other account you have with LGFCU, unless the deduction is prohibited by law. Collection of Items In receiving items for deposit or collection, LGFCU acts only as your collecting agent and assumes no responsibility beyond the exercise of due care. We are not responsible for errors or delays caused by others in the collection process. Delivery to LGFCU of items for deposit, collection, credit or payment will constitute your acceptance of these conditions. Returned Items: If we cash an item or deposit it into your account and, upon presentment to the obligated party, the item is not paid for any reason (or we believe it will be returned unpaid), it may be charged back against your account (or any other account you have with us), even if the item is not returned within any applicable deadlines. We can also charge back any item drawn on us if, within the normal handling period for such item, it cannot be honored against the drawer’s account. If an item is returned to us after it was deposited or cashed because someone made a claim that the item was altered, forged, unauthorized or should not have been paid for some other reason, we reserve the right to either charge back the amount of such item to your account or hold the amount of such item in your account until a final determination as to the validity of that claim has been made. We may also charge back an item or hold the amount of an item if there is a problem which, in our judgment, justifies a reversal of credit. We are authorized to pursue collection of previously dishonored items, and in so doing may permit the payor financial institution to hold an item beyond the normal deadline to pay or return an item. Processing of Items: Items may be sent directly to the financial institution upon which they are drawn or at which they are payable, or they may be sent through collecting agents for collection and remittance.

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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bankus at your local branch, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165call us at 0-000-000-0000, or xxxxxxx.xxx@xxxx.xxxsign on to Member Access at xxx.xxxxxx.xxx and send a Secure Message to request a refund. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail, or by any other method we make available to you, including through CashPoints ATMs or through our online mobile application (our “Mobile App”). We will not be responsible for deposits made by or through a depository not staffed by our personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits.

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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, non-sufficient funds fees). The amount of your refund under this policy 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 law. If you use this policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest dividends, if your account earns interestdividends) not later than 45 calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest dividends on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bankus at a local SECU branch, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165call us at 0-000-000-0000, or xxxxxxx.xxx@xxxx.xxxsign on to Press Pass at xxx.xxxxxxx.xxx and send a Secure Message to request a refund. You must contact Bank us within 40 60 calendar days of the date that Bank or we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the date of the account statement showing that the substitute check was posted to your account, whichever is later. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) include a description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) , an estimate of the amount of your loss; (iii) , an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; , and (iv) a copy of the Substitute Checksubstitute check 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. Deposits to and Withdrawals from Your Account Deposits You may make deposits in person, by mail or by any other method we make available to you, including at CashPoints ATMs. We will not be responsible for deposits made by or through a depository not staffed by NCPAFCU or SECU personnel until we actually receive the deposits. We may, at our discretion, refuse any deposits.

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”. 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, Some or all of the checks that are returned to you receive back from Bank 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 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, overdraft fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank 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 Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, call us at the Phone Number set forth in the Rate and Fee Schedule or xxxxxxx.xxx@xxxx.xxxwrite to us at the Address in the Rate and Fee Schedule. You must contact Bank us within 40 calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. .Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) 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”. .” 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 Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Account (for example, if you think that Bank we withdrew the wrong amount from your account Account or that Bank 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 withdrawalwithdrawal (for example, Returned Check Chargeback fees). The amount of your refund under this policy 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 policyprocedure, 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 Bank received we receive your claim and the remainder of your refund (plus interest if your account Account earns interest) not no later than 45 forty- five (45) calendar days after Bank received we receive your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your accountAccount. MAKING A CLAIM. (continued on next page) 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 Bank at: nbkc us at our Customer Care Center at 800.322.3623 or write First Midwest Bank, Attn Customer Care 0000 Xxxx XxxxxxxXxxxx Xxxx., Kansas CityXxxxxx, MO 64114, 888.905.2165, or xxxxxxx.xxx@xxxx.xxxXX 00000. You must contact Bank us within 40 forty (40) calendar days of the date that Bank or mailed we sent (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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a • A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); (ii) an • An estimate of the amount of your loss; (iii) an • An explanation of why the substitute check you received is insufficient insufficient to confirm confirm that you have suffered a loss; and (iv) a copy • Copies 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”. 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, Some or all of the checks that are returned to you receive back from Bank 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. YOUR RIGHTS REGARDING SUBSTITUTE CHECKS. 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 Bank we withdrew the wrong amount from your account or that Bank 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 withdrawalwithdrawal (for example, overdraft fees). The amount of your refund under this policy 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-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 policyprocedure, 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 Bank 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 Bank we received your claim. Bank We may reverse the refund (including any interest on the refund) if Bank we later is are able to demonstrate that the substitute check was correctly posted to your account. MAKING A CLAIM. 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 Bank at: nbkc Bank, 0000 Xxxx Xxxxxxx, Kansas City, MO 64114, 888.905.2165, call us at the Phone Number set forth in the Rate and Fee Schedule or xxxxxxx.xxx@xxxx.xxxwrite to us at Address in the Rate and Fee Schedule. You must contact Bank us within 40 calendar days of the date that Bank or 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. Bank We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: (i) a description of why you have suffered a loss (for example, the amount withdrawn was incorrect); (ii) an estimate of the amount of your loss; (iii) an explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and (iv) a copy of the Substitute Check.: