Common use of How Do I Make a Claim for a Refund Clause in Contracts

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 write us at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call 0-000-000-0000. You must contact us within 45 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);  An estimate of the amount of your loss;  An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  A copy of the substitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the amount of the check and the date the check was posted on your statement Overdrafts We may pay or decline to pay any item when it is presented if your available balance is less than the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000-000-0000mail Us at the e- mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include- • A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);  • An estimate of the amount of your Your loss;  • An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and  • A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your Application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your Application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your Application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account confirmation. WIRE TRANSFER AGREEMENT (see “Account Withdrawals”continued).

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 write us at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call 0-000-000-0000. You must contact us within 45 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  ▪ A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);  ▪ An estimate of the amount of your loss;  ▪ An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  ▪ A copy of the substitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the amount of the check and the date the check was posted on your statement Overdrafts We may pay or decline to pay any item when it is presented if your available balance is less than the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions:  ▪ checks and other transactions made using your checking account number;  ▪ automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ▪ ATM transactions;  ▪ everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000-000-0000mail Us at the e- mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include- • A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);  • An estimate of the amount of your Your loss;  • An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and  • A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example: the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not “Remittance Transfers” as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay Wire Transfer Agreement (continued) You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay dividends or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000mail Us at the e-000-0000mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include- • A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);  • An estimate of the amount of your Your loss;  • An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and  • A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. Except as provided by applicable law, there are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your Application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your Application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your Application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000mail Us at the e-000-0000mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include-  A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);   An estimate of the amount of your Your loss;   An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and   A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000-000-0000mail Us at the e- mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include-  A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);   An estimate of the amount of your Your loss;   An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and   A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your Application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your Application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your Application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

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 write us at Northern Bank & Trust CompanyBank, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call 0-000-000-0000. You must contact us within 45 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  ▪ A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);  ▪ An estimate of the amount of your loss;  ▪ An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  ▪ A copy of the substitute check or and/or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the amount of the check and the date the check was posted on your statement Overdrafts We may pay or decline will not be required to pay permit any item when it is presented withdrawal from your account if there are insufficient available funds in your available balance is less than account to cover the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the itemwithdrawal. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable overdraft fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions:  ▪ checks and other transactions made using your checking account number;  ▪ automated xxxx bill payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ▪ ATM transactions;  ▪ everyday debit card transactions. You may choose to change your preference at any time by notifying us at any a branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request through the mail to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There Forms of Account Ownership/Special Accounts Ownership of your account is an associated fee for this servicedetermined by the most current signature card. However, we are authorized (but not required) to rely on the account ownership information contained in our deposit system unless you notify us that the most current signature card and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”)deposit system contain different information.

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000-000-0000mail Us at the e- mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include-  A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);   An estimate of the amount of your Your loss;   An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and   A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example: the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not “Remittance Transfers” as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay dividends or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

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 write call us at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call 0-000-000-00000000 or write us at 1st Source Bank, Research Department, P.O. Box 1602, South Bend, IN 46634. You must contact us within 45 calendar forty (40) days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this period of time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  • A description of why you have suffered a loss (for example, you think the amount withdrawn was is incorrect);  ) • An estimate of the amount of your loss;  loss • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  loss • A copy of the substitute check or and the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the checkpayee, and the amount of the check 3(b) ADDITIONAL SAVINGS & MONEY MARKET ACCOUNT TERMS Savings & Money Market Accounts Savings accounts and money market accounts are defined as accounts that are not payable on a specified date or at the date expiration of a specified time. Savings accounts are governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. Your account is also governed by the check was posted on terms of this Account Agreement. Right to Require Notice The Bank has the right to require seven (7) days prior written notice of any withdrawal you may make from your statement Overdrafts We may pay or decline to pay any item when it is presented if your available balance is less than the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the itemaccount. If we do permit such a withdrawalyou close your account, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts will be responsible for the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available making sure that there is enough money in your account to pay cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the itemFee Schedule for Personal Accounts for more information about these limitations. 3(c) ADDITIONAL CERTIFICATE OF DEPOSIT ACCOUNT TERMS Time Deposits/Certificates of Deposit Time deposits include deposits that are payable either on a specified date or at the expiration of a specified time no less than seven (7) days after the date of deposit. We refer to a time deposit account as a certificate of deposit or CD. This Agreement applies to all consumer CDs, whether including those opened under your IRA or not ESA. See the account agreements and associated disclosures for additional terms of these accounts. Your certificate of deposit is governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. It is also governed by the terms of this Account Agreement and the terms of any certificate of deposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, there may be a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or principal prior to maturity may be permitted only in accordance with laws and regulations and the Bank’s rules in effect. Grace Period We offer a grace period upon maturity of your CD. During the grace period, a CD may be redeemed without penalty, or it may be renewed retroactive to its maturity date. If you add funds to a CD during the grace period, we pay interest on the itemnew balance effective the date the additional funds were deposited. Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have a 3 day grace period. • CDs with an original term greater than 31 days have a 10 day grace period. Automatic Renewal Your CD will automatically renew at maturity for a time period equal to the original term unless we notify you otherwise, in writing. The interest rate and APY for each renewal term will be the standard interest rate and APY currently offered on the maturity date unless we notify you otherwise, in writing. Transaction Limitations You may make additional deposits to a certificate of deposit during the grace period. You may not otherwise make deposits until maturity. Early Withdrawals You agree to keep your funds on deposit for the stated term of the account. At our discretion, we may allow you to withdraw all or part of your funds at times other than your grace period. When we permit you to make an early withdrawal, we may charge you an early withdrawal penalty. See the Fee Schedule for Personal Accounts for details. We may waive the penalty in limited circumstances, such as death of the owner of the CD or for certain IRA distributions. Early withdrawals from an IRA may be subject to IRS penalties or taxes. If we are required to pay itan amount from your time deposit (e.g., either by advancing funds a levy or allowing you to deposit immediately available funds to your account to cover the itemcourt order), we will may charge you an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer early withdrawal penalty based on the amount needed, up to withdrawn from the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).

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 write call us at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call 0-000-000-00000000 or write us at 1st Source Bank, Research Department, P.O. Box 1602, South Bend, IN 46634. You must contact us within 45 calendar forty (40) days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this period of time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  • A description of why you have suffered a loss (for example, you think the amount withdrawn was is incorrect);  ) • An estimate of the amount of your loss;  loss • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  loss • A copy of the substitute check or and the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the checkpayee, and the amount of the check 3(b) ADDITIONAL SAVINGS & MONEY MARKET ACCOUNT TERMS Savings & Money Market Accounts Savings accounts and money market accounts are defined as accounts that are not payable on a specified date or at the date expiration of a specified time. Savings accounts are governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. Your account is also governed by the check was posted on terms of this Account Agreement. Right to Require Notice The Bank has the right to require seven (7) days prior written notice of any withdrawal you may make from your statement Overdrafts We may pay or decline to pay any item when it is presented if your available balance is less than the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the itemaccount. If we do permit such a withdrawalyou close your account, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts will be responsible for the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available making sure that there is enough money in your account to pay cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the itemFee Schedule for Personal Accounts for more information about these limitations. 3(c) ADDITIONAL CERTIFICATE OF DEPOSIT ACCOUNT TERMS Time Deposits/Certificates of Deposit Time deposits include deposits that are payable either on a specified date or at the expiration of a specified time no less than seven (7) days after the date of deposit. We refer to a time deposit account as a certificate of deposit or CD. This Agreement applies to all consumer CDs, whether including those opened under your IRA or not ESA. See the account agreements and associated disclosures for additional terms of these accounts. Your certificate of deposit is governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. It is also governed by the terms of this Account Agreement and the terms of any certificate of deposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, there may be a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or principal prior to maturity may be permitted only in accordance with laws and regulations and the Bank’s rules in effect. Grace Period We offer a grace period upon maturity of your CD. During the grace period, a CD may be redeemed without penalty, or it may be renewed retroactive to its maturity date. If you add funds to a CD IRA during the grace period, we pay interest on the itemnew balance effective the date the additional funds were deposited. Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have a three (3) calendar day grace period. • CDs with an original term greater than 31 days have a ten (10) calendar day grace period. Automatic Renewal Your CD will automatically renew at maturity for a time period equal to the original term unless we notify you otherwise, in writing. The interest rate and APY for each renewal term will be the standard interest rate and APY currently offered on the maturity date unless we notify you otherwise, in writing. Transaction Limitations You may make additional deposits to a CD IRA during the grace period. You may not otherwise make deposits until maturity. If a withdrawal reduces the balance below the minimum deposit requirement, it may be necessary to redeem the entire CD. Early Withdrawals You agree to keep your funds on deposit for the stated term of the account. At our discretion, we may allow you to withdraw all or part of your funds at times other than your grace period. When we permit you to make an early withdrawal, we may charge you an early withdrawal penalty. See the Fee Schedule for Personal Accounts for details. We may waive the penalty in limited circumstances, such as death of the owner of the CD or for certain IRA distributions. Interest compounded and credited during the term of a CD may be withdrawn without penalty prior to the maturity of the CD. Early withdrawals from an IRA may be subject to IRS penalties or taxes. If we are required to pay itan amount from your time deposit (e.g., either by advancing funds a levy or allowing you to deposit immediately available funds to your account to cover the itemcourt order), we will may charge you an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer early withdrawal penalty based on the amount needed, up to withdrawn from the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000-000-0000mail Us at the e- mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include- • A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);  • An estimate of the amount of your Your loss;  • An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and  • A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your Application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your Application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your Application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000mail Us at the e-000-0000mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include-  A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);   An estimate of the amount of your Your loss;   An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and   A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: the check share draft number, the name of the person to whom you You wrote the checkshare draft, and the amount of the check share draft. MEMBERSHIP SMARTPOINT DISCLOSURE THIS IS YOUR MEMBERSHIP SMARTPOINT DISCLOSURE. IT CONTAINS IMPORTANT INFORMATION CONCERNING OUR MEMBERSHIP SMARTPOINT POLICY AND YOUR ABILITY TO EARN AND REDEEM SMARTPOINTS. PLEASE BE CERTAIN TO READ THESE DISCLOSURES CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR. Earned Smartpoint. The SmartPoints that You earn will fall into two categories – Lifetime Smartpoints and Bonus SmartPoints – and will be accounted for separately. Lifetime SmartPoints will be earned at the date rate of one point for each dollar in interest You pay to the check was posted Credit Union for money borrowed, one point for each dollar in dividends We pay You for money on your statement Overdrafts We may pay deposit, plus 100 SmartPoints for each year of membership that You complete. Bonus SmartPoints will be earned at the rate of: (a) 100 SmartPoints each time You establish Bill Payment or decline E-Alerts; (b) 250 SmartPoints each time You establish Direct Deposit, Online Banking, or E-Statements; (c) 1,000 SmartPoints each time You refer to pay any item when it is presented Us a new member. Additional Bonus SmartPoints will be earned if your available balance is less than You borrow money from the Credit Union, in which case such SmartPoints will be earned at the rate of 500 SmartPoints, excluding refinanced or rewrites except to the extent that the new funds borrowed are at least equal to $5,000.00. Additionally, You will earn 250 SmartPoints for each application for credit that You submit through Our website. In all cases, SmartPoints will be earned and accrue separately in their respective categories and Your amount of available SmartPoints will change each time SmartPoints are earned, redemptions are made or credits are otherwise given. Redeemed SmartPoints. Pursuant to this policy, You may from time to time redeem SmartPoints that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawalaccrued in exchange for higher rates on term deposits, you agree to pay the overdrawn amountlower rates on loans, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available in certain circumstances to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactionswaive fees that would have otherwise been due. You may choose increase the dividend rate paid on term deposits, having a term to change your preference at any time by notifying us at any branch officematurity equal to or greater than 2 years, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing .25% in exchange for any item presented on a business day when you do not have sufficient funds available in your account to pay the item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office2,500 SmartPoints. You may also request overdraft protection decrease the interest rate on loans by .25% by redeeming 2,500 SmartPoints. In addition, once You have earned 2,500 Lifetime SmartPoints We will allow You to waive fees by redeeming Smartpoints, for your checking account if you want the following items: (a) Return Item Fees, Overdraft Fees, NSF Fees, ACH Return Origination Fees, a total of 2 fees per year regardless of the source of the fee, current Fee is $30.00 – number of SmartPoints required will be 600 points per fee, total of 1,200 per year; (b) CU Checks to link either another one 3rd Party, current Fee is $5.00 - number of your checking or statement savings accounts SmartPoints required to automatically transfer refund fee is 100 with no limit; and (c) Any Safe Deposit Box Fee – No limit. The number of SmartPoints required to Waive qualifying fees will be calculated by MEMBERSHIP SMARTPOINT DISCLOSURE (continued) multiplying the fee amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this serviceby a factor of 20, and transfers count for purposes then converting the sum from currency to a general number. For example, a fee of the federal limitations on withdrawals from $28.00 would be multiplied by 20, which equals $560.00 meaning that You would have to redeem 560 SmartPoints in order to waive a savings or money market account (see “Account Withdrawals”)fee of that amount.

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0-000-000-0000write to Us at the address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you were You Were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  . . A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);  . An estimate of the amount of your Your loss;  . An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and  A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. Subject to certain restrictions that are in place from time to time, there are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. WIRE TRANSFER AGREEMENT (continued) You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay dividends or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

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 write us at Northern Bank & Trust CompanyBank, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call 0-000-000-0000. You must contact us within 45 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);  An estimate of the amount of your loss;  An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  A copy of the substitute check or the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the check, the amount of the check and the date the check was posted on your statement Overdrafts We may pay or decline will not be required to pay permit any item when it is presented withdrawal from your account if there are insufficient available funds in your available balance is less than account to cover the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the itemwithdrawal. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable overdraft fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any a branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request through the mail to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000mail Us at the e-000-0000mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include • A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);  • An estimate of the amount of your Your loss;  • An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and  • A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not “Remittance Transfers” as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary’s financial institution which You have provided as the proper identification of the intermediary or beneficiary’s financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary’s identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0write to Us at the address shown herein, or e-000-000-0000mail Us at the e- mail address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you You were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include- • A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);  • An estimate of the amount of your Your loss;  • An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and  • A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: (identifying information, for example the check share draft number, the name of the person to whom you You wrote the checkshare draft, the amount of the check share draft). THESE ARE THE TERMS AND CONDITIONS WHENEVER YOU REQUEST A WIRE TRANSFER OF FUNDS FROM YOUR ACCOUNT(S) WITH US BASED UPON YOUR ORAL OR WRITTEN REQUEST. WE WILL PROVIDE WIRE TRANSFER SERVICES AS A MEANS TO INITIATE DOMESTIC AND INTERNATIONAL TRANSFERS FOR YOU, SUBJECT TO THE TERMS OF THIS AGREEMENT, WHICH YOU AGREED TO BY SIGNING YOUR APPLICATION FOR MEMBERSHIP WITH US AT THE TIME THAT YOUR ACCOUNT WAS ESTABLISHED. This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the date the check was posted on your statement Overdrafts payment of wire transfer requests. If more than one Account(s) is designated, We may pay charge any of the designated Accounts unless You give Us specific written directions otherwise. Your transfer requests may involve the transfer of funds from any of Your designated Accounts with Us to another account You have with Us, to any other financial institution, or decline to pay a third party or account of a third party maintained with Us or any item when it other financial institution. There are no restrictions or limitations on the amounts which may be ordered or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, in accordance with this Agreement, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted to Us under this Agreement for any Account designated in Your application for membership. For confirmation purposes, We may call any party designated in Your application for membership. If more than one Authorized Person is presented if your available balance is less than the amount named, any one of that item plus all other items received but not yet paidthem may issue payment orders on any designated Account. Wire transfer requests must be given to Us in compliance with Our cut-off hours as established from time to time by Us. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts not responsible for the accuracy of a routing number which You supply verbally and which is contained in Your wire transfer request. Wire transfer requests received by Us after Our cut-off hours may be treated as if received on the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx paymentsbusiness day. WIRE TRANSFER AGREEMENT (continued) We have no obligation to accept or execute any wire transfer request. We will not authorize and pay for the following types provide You telephonic notice of transactions unless you ask us rejection. If We are unable to do so:  ATM transactions;  everyday debit card transactionsreach You by telephone, We may at Our option give You notice of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You may choose to change your preference at agree that any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. such transfer requests which We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the itemreceive are effective as Your transfer request, whether or not we pay the itemauthorized. If we pay You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretionwill make a reasonable effort to act on a cancellation or amendment of a payment order made by You prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffective. You agree to re-execute this Agreement or to execute a new agreement if changes are necessary. Your Application for membership designates any Account which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned relation to wire transfer requests. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your Application for insufficient funds multiple timesmembership. Refer All modifications or additions to your product information and Personal Fee Schedule Your Application for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business daymembership must be in writing. You may opt agree to pay Us the amount of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch officeYour wire transfer request. You may also will not make any wire transfer request overdraft protection for your checking account if you want which would cause You to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to exceed the available balance in the linked accountAccount designated to pay the transfer request. If a payment order is executed which creates an overdraft, with or without Our prior consent, You agree to cover checks pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount of any overdraft against the balance in any of Your accounts with Us and We may exercise any rights We have under any agreements which grant Us security for the payment of Your liabilities or withdrawals obligations to Us. You understand and agree that would overdraw your checking accountthe payment of a wire transfer request may be made by Us or any other financial institution used to carry out the transfer request on the basis of an identifying or account number which You have provided for a beneficiary, even if the number identifies a person different from Your intended beneficiary. There is an associated fee for this serviceYou also understand and agree that We or any other financial institution used to carry out a transfer request, and transfers count for purposes may rely on the identifying number of the federal limitations intermediary or beneficiary's financial institution which You have provided as the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution different from the one You intended to identify. We or any other financial institution are not responsible for determining whether any identifying or account numbers You have provided to initiate a wire transfer are accurate. You will be liable to Us for the amount of any transfer request even if payment of the transfer request is made to a person different from the named beneficiary based upon the beneficiary's identifying or account number provided by You or payment of the transfer request is made to a financial institution different from the one identified by name based on withdrawals from the identifying number which You have provided to Us. You agree to examine any statement or confirmation which We send You and to notify Us within 30 days after the mailing date on any statement or confirmation, of any discrepancy or error. If You fail to notify Us of any discrepancy or error within the required time period, You agree that We are not liable to pay interest or reimburse You for any discrepancy or error in relation to a savings transfer request described in such statement or money market account (see “Account Withdrawals”)confirmation.

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 write contact us at Northern Bank & Trust Company1st Source Bank, Attn: Contact CenterResearch Department, 000 Xxxxxxxx XxxxP.O. Box 1602, XxxxxxSouth Bend, XX 00000, IN 46634 or call 0-telephone us 000-000-0000. You must contact us within 45 calendar forty (40) days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this period of time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  • A description of why you have suffered a loss (for example, you think the amount withdrawn was is incorrect);  ) • An estimate of the amount of your loss;  loss • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  loss • A copy of the substitute check or and the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the checkpayee, and the amount of the check 3(b) ADDITIONAL SAVINGS & MONEY MARKET ACCOUNT TERMS Savings & Money Market Accounts Savings accounts and money market accounts are defined as accounts that are not payable on a specified date or at the date expiration of a specified time. Savings accounts are governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. Your account is also governed by the check was posted on terms of this Account Agreement. Right to Require Notice The Bank has the right to require seven (7) days prior written notice of any withdrawal you may make from your statement Overdrafts We may pay or decline to pay any item when it is presented if your available balance is less than the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the itemaccount. If we do permit such a withdrawalyou close your account, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts will be responsible for the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available making sure that there is enough money in your account to pay cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the itemFee Schedule for Personal Accounts for more information about these limitations. 3(c) ADDITIONAL CERTIFICATE OF DEPOSIT ACCOUNT TERMS Time Deposits/Certificates of Deposit Time deposits include deposits that are payable either on a specified date or at the expiration of a specified time no less than seven (7) days after the date of deposit. We refer to a time deposit account as a certificate of deposit or CD. This Agreement applies to all consumer CDs, whether including those opened under your IRA or not ESA. See the account agreements and associated disclosures for additional terms of these accounts. Your certificate of deposit is governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. It is also governed by the terms of this Account Agreement and the terms of any certificate of deposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, there may be a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or principal prior to maturity may be permitted only in accordance with laws and regulations and the Bank’s rules in effect. Grace Period We offer a grace period upon maturity of your CD. During the grace period, a CD may be redeemed without penalty, or it may be renewed retroactive to its maturity date. If you add funds to a CD during the grace period, we pay interest on the itemnew balance effective the date the additional funds were deposited. Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have a 3 day grace period • CDs with an original term greater than 31 days have a 10 day grace period Automatic Renewal Your certificate of deposit account will automatically renew unless we inform you otherwise. When we renew your certificate of deposit automatically, it renews at the same term unless we notify you otherwise, in writing. If you open a promotional rate certificate of deposit that auto-renews, it will renew at the then-current standard (non-promotional) rate. Any bonus, special rate, or promotion that we may offer will not apply to automatic renewals unless we specifically inform you otherwise, in writing. Transaction Limitations You may make additional deposits to a certificate of deposit during the grace period. You may not otherwise make deposits until maturity. Early Withdrawals You agree to keep your funds on deposit for the stated term of the account. At our discretion, we may allow you to withdraw all or part of your funds at times other than your grace period. When we permit you to make an early withdrawal, we may charge you an early withdrawal penalty. See the Fee Schedule for Personal Accounts for details. We may waive the penalty in limited circumstances, such as death of the owner of the CD or for certain IRA distributions. Early withdrawals from an IRA may be subject to IRS penalties or taxes. If we are required to pay itan amount from your time deposit (e.g., either by advancing funds a levy or allowing you to deposit immediately available funds to your account to cover the itemcourt order), we will may charge you an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer early withdrawal penalty based on the amount needed, up to withdrawn from the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).

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 write contact us at Northern Bank & Trust Company, Attnby: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call Phone: 0-000-000-0000. 0000 Mail: Client Services 000 Xxxxxxxx 7th Floor New York, N.Y. 10010 Email: xxxxxxx@xxxxxxxxxxx.xxxx You must contact us within 45 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  ● A description of why you have suffered a loss (for example, you think the amount withdrawn was incorrect);  ● An estimate of the amount of your loss;  ● An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  ● A copy of the substitute check or and/or the following information to help us identify the substitute check: check such as the account number, check number, the name of the person or entity to whom you wrote the check, the amount of the check and the date the check was posted on your statement Overdrafts We may pay or decline to pay any item when it is presented if your available balance is less than the amount of check. An expedited recredit claim must be submitted in writing. When a claim has been submitted orally, we must receive that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawal, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice written claim within 10 business days of the overdraftoral claim. To determine when funds are available Electronic Funds Transfer Agreement For purposes of this disclosure and agreement the terms "we", "us" and "our" refer to pay itemsGrasshopper Bank, please see our Funds Availability PolicyN.A. The terms "you" and "your" refer to the recipient of this disclosure and agreement. The Electronic Fund Transfer Act and Regulation E requires institutions to provide certain information to customers regarding electronic fund transfers (EFTs). This disclosure applies to any EFT service you receive from us related to an account established primarily for personal, abovefamily or householdpurposes. Under our standard overdraft practicesExamples of EFT services include direct deposits to your account, we may authorize and pay overdrafts for the following types of transactions:  checks and other transactions automatic regular payments made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in from your account to pay the item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to a third party and one-time electronic payments from your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide using information from your check to pay that item after we had initially decided for purchases or to return it)pay bills. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type Terms & Conditions. The following provisions govern the use of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft EFT services through accounts held by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).Grasshopper Bank,

How Do I Make a Claim for a Refund. If you You believe that you You have suffered a loss relating to a substitute check share draft that you You received and that was posted to your accountYour Account, please write us contact Us by telephone at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000the number shown herein, or call 0-000-000-0000write to Us at the address shown herein. You must contact us Us within 45 40 calendar days of the date that we We mailed (or otherwise delivered by a means to which you You agreed) either the substitute check share draft in question or the account Account statement showing that the substitute check share draft was posted to your accountYour Account, whichever is later. We will extend this time period if you were You Were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  include-  A description of why you You have suffered a loss (for example, you You think the amount withdrawn was incorrect);   An estimate of the amount of your Your loss;   An explanation of why the substitute check you share draft You received is insufficient to confirm that you You suffered a loss; and   A copy of the substitute check or share draft and/or the following information to help us Us identify the substitute checkshare draft: the check share draft number, the name of the person to whom you You wrote the checkshare draft, and the amount of the check and share draft. FACTS WHAT DOES 1ST FINANCIAL FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share Your personal information. Federal law gives consumers the date the check was posted on your statement Overdrafts We may pay or decline right to pay any item when it is presented if your available balance is less than the amount of that item plus all other items received limit some but not yet paidall sharing. Federal law also requires Us to tell You how We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the item. If we do permit such a withdrawalcollect, you agree to pay the overdrawn amountshare, and all applicable fees, as soon as we give you protect Your personal information. Please read this notice of the overdraftcarefully to understand what We do. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following What? The types of transactionspersonal information We collect and share depend on the product or service You have with Us. This information can include:  checks  Social Security number and other transactions made using your checking income  account number;  automated xxxx paymentsbalances and payment history  credit history and credit scores How? All financial companies need to share customers' personal information to run their everyday business. In the section below, We will not authorize and pay for list the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient fundsreasons financial companies can share their customers' personal information, the person reasons 1st Financial Federal Credit Union chooses to share, and whether You can limit this sharing. Reasons We can share Your personal information Does the Credit Union share? Can You limit this sharing? For Our everyday business purposes - such as to process Your transactions, maintain Your account(s), respond to court orders and legal investigations, or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection report to credit bureaus YES NO For Our marketing purposes - to offer Our products and services to You YES YES For joint marketing with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for other financial companies YES YES For Our affiliates' everyday business purposes - information about what fees apply Your transactions and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a experiences NO WE DON’T SHARE For Our affiliates' everyday business day. purposes - information about Your creditworthiness NO WE DON’T SHARE For non-affiliates to market to You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).NO WE DON'T SHARE

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 write call us at Northern Bank & Trust Company, Attn: Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000, or call 0-000-000-00000000 or write us at 1st Source Bank, Research Department, P.O. Box 1602, South Bend, IN 46634. You must contact us within 45 calendar forty (40) days of the date that we mailed (or otherwise delivered by a means to which you agreed) either the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this period of time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include:  • A description of why you have suffered a loss (for example, you think the amount withdrawn was is incorrect);  ) • An estimate of the amount of your loss;  loss • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and  loss • A copy of the substitute check or and the following information to help us identify the substitute check: the check number, the name of the person to whom you wrote the checkpayee, and the amount of the check 3(b) ADDITIONAL SAVINGS & MONEY MARKET ACCOUNT TERMS Savings & Money Market Accounts Savings accounts and money market accounts are defined as accounts that are not payable on a specified date or at the date expiration of a specified time. Savings accounts are governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. Your account is also governed by the check was posted on terms of this Account Agreement. Right to Require Notice The Bank has the right to require seven (7) days prior written notice of any withdrawal you may make from your statement Overdrafts We may pay or decline to pay any item when it is presented if your available balance is less than the amount of that item plus all other items received but not yet paid. We look at your available balance only once when the item is presented to us to decide if you have enough funds available to pay the itemaccount. If we do permit such a withdrawalyou close your account, you agree to pay the overdrawn amount, and all applicable fees, as soon as we give you notice of the overdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts will be responsible for the following types of transactions:  checks and other transactions made using your checking account number;  automated xxxx payments. We will not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at 0-000-000-0000 or mailing a request to our Contact Center, 000 Xxxxxxxx Xxxx, Xxxxxx, XX 00000. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available making sure that there is enough money in your account to pay cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the itemFee Schedule for Personal Accounts for more information about these limitations. 3(c) ADDITIONAL CERTIFICATE OF DEPOSIT ACCOUNT TERMS Time Deposits/Certificates of Deposit Time deposits include deposits that are payable either on a specified date or at the expiration of a specified time no less than seven (7) days after the date of deposit. We refer to a time deposit account as a certificate of deposit or CD. This Agreement applies to all consumer CDs, whether including those opened under your IRA or not ESA. See the account agreements and associated disclosures for additional terms of these accounts. Your certificate of deposit is governed by federal regulations pertaining to amount limitations, interest rates, manner of withdrawal, penalties, and other conditions. It is also governed by the terms of this Account Agreement and the terms of any certificate of deposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, there may be a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or principal prior to maturity may be permitted only in accordance with laws and regulations and the Bank’s rules in effect. Grace Period We offer a grace period upon maturity of your CD. During the grace period, a CD may be redeemed without penalty, or it may be renewed retroactive to its maturity date. If you add funds to a CD during the grace period, we pay interest on the itemnew balance effective the date the additional funds were deposited. Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have a 3 day grace period. • CDs with an original term greater than 31 days have a 10 day grace period. Automatic Renewal Your certificate of deposit account will automatically renew unless we inform you otherwise. When we renew your certificate of deposit automatically, it renews at the same term unless we notify you otherwise, in writing. If you open a promotional rate certificate of deposit that auto- renews, it will renew at the then-current standard (non-promotional) rate. Any bonus, special rate, or promotion that we may offer will not apply to automatic renewals unless we specifically inform you otherwise, in writing. Transaction Limitations You may make additional deposits to a certificate of deposit during the grace period. You may not otherwise make deposits until maturity. Early Withdrawals You agree to keep your funds on deposit for the stated term of the account. See the Fee Schedule for Personal Accounts for details on account holds and early withdrawals penalty. At our discretion, we may allow you to withdraw all or part of your funds at times other than your grace period. When we permit you to make an early withdrawal, we may charge you an early withdrawal penalty. We may waive the penalty in limited circumstances, such as death of the owner of the CD or for certain IRA distributions. Early withdrawals from an IRA may be subject to IRS penalties or taxes. If we are required to pay itan amount from your time deposit (e.g., either by advancing funds a levy or allowing you to deposit immediately available funds to your account to cover the itemcourt order), we will may charge you an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction even if you have asked us to do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account, even if we do not honor it. If we return an item for insufficient funds, the person or entity that submitted the item for payment may resubmit the same item for payment. If the resubmitted item again exceeds the available balance in your account, we will charge an Insufficient Funds Fee if we pay the item or if we return it, we will charge another Return Item Fee. Thus, you may be charged multiple Return Item Fees in connection with the same item that has been returned for insufficient funds multiple times. Refer to your product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. We may limit the number of Return Item and Insufficient Funds fees we charge for a business day. You may opt out of our standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling our Contact Center at 0-000-000-0000 or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer early withdrawal penalty based on the amount needed, up to withdrawn from the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. There is an associated fee for this service, and transfers count for purposes of the federal limitations on withdrawals from a savings or money market account (see “Account Withdrawals”).