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 share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft 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 Your claim must include- • A description of why You have suffered a loss (for example, You think the amount withdrawn was incorrect); • An estimate of the amount of Your loss; • An explanation of why the substitute share draft You received is insufficient to confirm that You suffered a loss; and • A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example the share draft number, the name of the person to whom You wrote the share draft, the amount of the share draft). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 may be charged in 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 membership. All modifications or additions to Your Application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 transfer request described in such statement or 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 share draft check that You you received and that was posted to Your Accountyour account, please contact Us by telephone write us at the number shown hereinNorthern Bank & Trust Company, Attn: Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, or write to Us at the address shown herein, or ecall ▇-mail Us at the e- mail address shown herein▇▇▇-▇▇▇-▇▇▇▇. You must contact Us us within 40 45 calendar days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) either the substitute share draft check in question or the Account account statement showing that the substitute share draft check 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 share draft You check you received is insufficient to confirm that You you suffered a loss; and •  A copy of the substitute share draft and/or check or the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You you wrote the share draftcheck, the amount of the share draft). This Wire Transfer Agreement applies check and the date the check was posted on your statement We may pay or decline to wire transfers pay any item when it is presented if your available balance is less than the amount of that are item plus all other items received but 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.)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 authorized available to charge Your Account pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the payment following types of wire transfer requests. If more than one Account(s) is designated, We may 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 transactions:  checks and other transactions made using your checking account You have with Us, to any other financial institution, or to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer requestnumber;  automated ▇▇▇▇ payments. We will provide not authorize and pay for the following types of transactions unless you ask us to do so:  ATM transactions;  everyday debit card transactions. You telephonic notice of rejectionmay choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or mailing a request to our Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. If We are unable 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 reach 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 agree that any such transfer requests which We receive are effective as Your transfer requestpay the item, whether or not authorizedwe pay the item. You 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 no right asked us to cancel or amend a payment order do so and even if we have done so in the past. Fees may be applied to initiate a wire transfer after We receive each individual item that overdraws your account, even if we do not honor it. We 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 make a reasonable effort to act on a cancellation charge an Insufficient Funds Fee if we pay the item or amendment of a payment order made by You prior to the time that We execute such payment orderif we return it, but We have no liability if Your cancellation or amendment is ineffectivewe will charge another Return Item Fee. 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 Thus, you may be charged multiple Return Item Fees in relation connection with the same item that has been returned for insufficient funds multiple times. Refer to wire transfer requestsyour product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your Application We may limit the number of Return Item and Insufficient Funds fees we charge for membership. All modifications or additions to Your Application for membership must be in writinga business day. You agree 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 ▇-▇▇▇-▇▇▇-▇▇▇▇ or by visiting any branch office. You may also request overdraft protection for your checking account if you want to pay Us link either another one of your checking or statement savings accounts to automatically transfer the amount of any transfer request which We transmit pursuant needed, up to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated linked account, to pay the transfer requestcover checks or withdrawals that would overdraw your checking account. If a payment order There is executed which creates an overdraftassociated fee for this service, with or without Our prior consent, You agree to 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 transfers count for the payment of Your liabilities or obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number purposes of the intermediary federal limitations on withdrawals from a savings 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 money market 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 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 transfer request described in such statement or confirmation(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 share draft check that You you received and that was posted to Your Accountyour account, please contact Us by telephone write us at the number shown hereinNorthern Bank, Attn: Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, or write to Us at the address shown herein, or ecall ▇-mail Us at the e- mail address shown herein▇▇▇-▇▇▇-▇▇▇▇. You must contact Us us within 40 45 calendar days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) either the substitute share draft check in question or the Account account statement showing that the substitute share draft check 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 share draft You check you received is insufficient to confirm that You you suffered a loss; and • ▪ A copy of the substitute share draft check and/or the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You you wrote the share draftcheck, the amount of the share draft)check and the date the check was posted on your statement We will not be required to permit any withdrawal from your account if there are insufficient available funds in your account to cover the withdrawal. This Wire Transfer Agreement applies If we do permit such a withdrawal, you agree to wire transfers that are not "Remittance Transfers" pay the overdrawn amount, and all applicable overdraft fees, as defined in soon as we give you notice of the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) overdraft. Under our standard overdraft practices, we may authorize and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account pay overdrafts for the payment following types of wire transfer requests. If more than one Account(s) is designated, We may 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 transactions: ▪ checks and other transactions made using your checking account You have with Us, to any other financial institution, or to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer requestnumber; ▪ automated bill payments. We will provide You telephonic notice not authorize and pay for the following types of rejection. If We are unable transactions unless you ask us to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorizeddo so: ▪ ATM transactions; ▪ everyday debit card transactions. You may choose to change your preference at any time by notifying us at a branch office, by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or through the mail to our Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. 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 no right asked us to cancel or amend a payment order do so and even if we have done so in the past. Fees may be applied to initiate a wire transfer after We receive each individual item that overdraws your account, even if we do not honor it. We will make a reasonable effort to act on a cancellation 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 ▇-▇▇▇-▇▇▇-▇▇▇▇ 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 ineffectivevisiting any branch office. You agree may also request overdraft protection for your checking account if you want to re-execute this Agreement link either another one of your checking or statement savings accounts to execute a new agreement if changes are necessary. Your Application for membership designates any Account which may be charged in relation to wire automatically 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 membership. All modifications or additions to Your Application for membership must be in writing. You agree to pay Us the amount of any transfer request which We transmit pursuant needed, up to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated linked account, to pay cover checks or withdrawals that would overdraw your checking account. Ownership of your account is determined by the transfer requestmost current signature card. If a payment order is executed which creates an overdraftHowever, with or without Our prior consent, You agree we are authorized (but not required) to 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of account ownership information contained in our deposit system unless you notify us that the intermediary or beneficiary's financial institution which You have provided as most current signature card and the proper identification of the intermediary or beneficiary's financial institution, even if the number identifies a financial institution deposit system contain 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 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 transfer request described in such statement or confirmationinformation.

How Do I Make a Claim for a Refund. If You believe that You have suffered a loss relating to a substitute share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft was posted to Your Account, whichever is later. We will extend this time period if You were 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 share draft You received is insufficient to confirm that You suffered a loss; and • A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example the share draft number, the name of the person to whom You wrote the share draft, the amount of the share draft). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any other financial institution. There 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 application for membership designates any Account which may be charged in 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 application for membership. All modifications or additions to Your Application application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 dividends or reimburse You for any discrepancy or error in relation to a transfer request described in such statement or confirmation.

How Do I Make a Claim for a Refund. If You believe that You have suffered a loss relating to a substitute share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- e-mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft was posted to Your Account, whichever is later. We will extend this time period if You were not able to make a timely claim because of extraordinary circumstances. Your claim must include- include • A description of why You have suffered a loss (for example, You think the amount withdrawn was incorrect); • An estimate of the amount of Your loss; • An explanation of why the substitute share draft You received is insufficient to confirm that You suffered a loss; and • A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example the share draft number, the name of the person to whom You wrote the share draft, the amount of the share draft). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 application for membership designates any Account which may be charged in 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 application for membership. All modifications or additions to Your Application application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the intermediary or beneficiary's ’s financial institution which You have provided as the proper identification of the intermediary or beneficiary's ’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 ’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 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 transfer request described in such statement or 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 share draft check that You you received and that was posted to Your Accountyour account, please contact Us by telephone call us at the number shown herein, ▇▇▇-▇▇▇-▇▇▇▇ or write to Us us at the address shown herein1st Source Bank, or e-mail Us at the e- mail address shown hereinResearch Department, P.O. Box 1602, South Bend, IN 46634. You must contact Us us within 40 calendar forty (40) days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) the substitute share draft check in question or the Account account statement showing that the substitute share draft check was posted to Your Accountyour account, whichever is later. We will extend this period of 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 is incorrect); ) • An estimate of the amount of Your loss; your loss • An explanation of why the substitute share draft You check you received is insufficient to confirm that You you suffered a loss; and loss • A copy of the substitute share draft and/or check and the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You wrote the share draftpayee, and the amount of the share draft)check 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 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 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 account. If you close your account, you will be responsible for making sure that there is enough money in your account to cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the Fee Schedule for Personal Accounts for more information about these limitations. 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 Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in all consumer CDs, including those opened under your IRA or ESA. See the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) account agreements and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account associated disclosures for the payment additional terms of wire transfer requests. If more than one Account(s) is designated, We may charge any of the designated Accounts unless You give Us specific written directions otherwisethese accounts. Your transfer requests may involve 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 transfer terms of funds from this Account Agreement and the terms of any certificate of Your designated Accounts with Us to another account You have with Usdeposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, to any other financial institution, or to a third party or account of a third party maintained with Us or any other financial institution. There are no restrictions or limitations on the amounts which there may be ordered a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions principal prior to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who maturity may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, be permitted only in accordance with this Agreementlaws 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, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted a CD may be redeemed without penalty, or it may be renewed retroactive 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 membershipits maturity date. If more than one Authorized Person is namedyou add funds to a CD during the grace period, any one of them 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 are 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 we pay interest on the following business daynew balance effective the date the additional funds were deposited. We Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have no obligation 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 accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach You by telephonethe original term unless we notify you otherwise, We may at Our option give You notice of rejection in writing. If We accept 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 wire transfer request consistent with this Agreement, You agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorizedcertificate of deposit during the grace period. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive itmay not otherwise make deposits until maturity. We will 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. Early Withdrawals You agree to re-execute this Agreement 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 execute a new agreement if changes are necessarymake an early withdrawal, we may charge you an early withdrawal penalty. Your Application See the Fee Schedule for membership designates any Account which 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 charged in relation subject to wire transfer requestsIRS penalties or taxes. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us If we are identified in Your Application for membership. All modifications or additions to Your Application for membership must be in writing. You agree required to pay Us the an amount of any transfer request which We transmit pursuant to this Agreement when We execute from your time deposit (e.g., a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated to pay the transfer request. If a payment order is executed which creates levy or court order), we may charge you an overdraft, with or without Our prior consent, You agree to 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 early withdrawal penalty based on 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 amount withdrawn from 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 transfer request described in such statement or confirmationaccount.

How Do I Make a Claim for a Refund. If You believe that You have suffered a loss relating to a substitute share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft 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 share draft You received is insufficient to confirm that You suffered a loss; and •  A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example example: the share draft number, the name of the person to whom You wrote the share draft, the amount of the share draft). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 application for membership designates any Account which may be charged in 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 application for membership. All modifications or additions to Your Application application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 dividends or reimburse You for any discrepancy or error in relation to a transfer request described in such statement or 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 share draft check that You you received and that was posted to Your Accountyour account, please contact Us by telephone call us at the number shown herein, ▇▇▇-▇▇▇-▇▇▇▇ or write to Us us at the address shown herein1st Source Bank, or e-mail Us at the e- mail address shown hereinResearch Department, P.O. Box 1602, South Bend, IN 46634. You must contact Us us within 40 calendar forty (40) days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) the substitute share draft check in question or the Account account statement showing that the substitute share draft check was posted to Your Accountyour account, whichever is later. We will extend this period of 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 is incorrect); ) • An estimate of the amount of Your loss; your loss • An explanation of why the substitute share draft You check you received is insufficient to confirm that You you suffered a loss; and loss • A copy of the substitute share draft and/or check and the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You wrote the share draftpayee, and the amount of the share draft)check 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 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 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 account. If you close your account, you will be responsible for making sure that there is enough money in your account to cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the Fee Schedule for Personal Accounts for more information about these limitations. 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 Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in all consumer CDs, including those opened under your IRA or ESA. See the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) account agreements and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account associated disclosures for the payment additional terms of wire transfer requests. If more than one Account(s) is designated, We may charge any of the designated Accounts unless You give Us specific written directions otherwisethese accounts. Your transfer requests may involve 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 transfer terms of funds from this Account Agreement and the terms of any certificate of Your designated Accounts with Us to another account You have with Usdeposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, to any other financial institution, or to a third party or account of a third party maintained with Us or any other financial institution. There are no restrictions or limitations on the amounts which there may be ordered a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions principal prior to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who maturity may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, be permitted only in accordance with this Agreementlaws 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, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted a CD may be redeemed without penalty, or it may be renewed retroactive 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 membershipits maturity date. If more than one Authorized Person is namedyou add funds to a CD IRA during the grace period, any one of them 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 are 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 we pay interest on the following business daynew balance effective the date the additional funds were deposited. We Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have no obligation 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 accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach You by telephonethe original term unless we notify you otherwise, We may at Our option give You notice of rejection 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 We accept a wire transfer request consistent with this Agreementwithdrawal reduces the balance below the minimum deposit requirement, it may be necessary to redeem the entire CD. Early Withdrawals You agree that any such transfer requests which We receive are effective as Your transfer requestto keep your funds on deposit for the stated term of the account. At our discretion, whether we may allow you to withdraw all or not authorizedpart of your funds at times other than your grace period. You will have no right When we permit you to cancel or amend a payment order to initiate a wire transfer after We receive itmake an early withdrawal, we may charge you an early withdrawal penalty. See the Fee Schedule for Personal Accounts for details. We will make a reasonable effort to act on a cancellation may waive the penalty in limited circumstances, such as death of the owner of the CD or amendment for certain IRA distributions. Interest compounded and credited during the term of a payment order made by You CD may be withdrawn without penalty prior to the time that We execute such payment order, but We have no liability if Your cancellation or amendment is ineffectivematurity of the CD. 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 Early withdrawals from an IRA may be charged in relation subject to wire transfer requestsIRS penalties or taxes. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us If we are identified in Your Application for membership. All modifications or additions to Your Application for membership must be in writing. You agree required to pay Us the an amount of any transfer request which We transmit pursuant to this Agreement when We execute from your time deposit (e.g., a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated to pay the transfer request. If a payment order is executed which creates levy or court order), we may charge you an overdraft, with or without Our prior consent, You agree to 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 early withdrawal penalty based on 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 amount withdrawn from 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 transfer request described in such statement or confirmationaccount.

How Do I Make a Claim for a Refund. If You believe that You have suffered a loss relating to a substitute share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft 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 share draft You received is insufficient to confirm that You suffered a loss; and • A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example example: the share draft number, the name of the person to whom You wrote the share draft, the amount of the share draft). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 application for membership designates any Account which may be charged in 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 application for membership. All modifications or additions to Your Application application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 dividends or reimburse You for any discrepancy or error in relation to a transfer request described in such statement or 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 share draft Check that You you received and that was posted Posted to Your your Account, please contact Us by telephone us at the applicable telephone number shown herein, or write mailing address listed in the subsection “How to Us at Contact Us” in the address shown herein, or e-mail Us at the e- mail address shown herein. section titled “General Account Information.” You must contact Us us within 40 forty (40) calendar days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) the substitute share draft Check in question or the Account statement showing that the substitute share draft Check was posted Posted to Your your 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- •  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 share draft You Check you received is insufficient to confirm that You you suffered a lossaloss; and •  A copy of the substitute share draft Check and/or the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft your Account number, the Check number, and the name of the person to whom You you wrote the share draftcheck, and the amount of the share draft)check. This Wire Transfer Agreement applies Even if you tell us orally, we require that you send us your claim in writing to wire transfers that are not "Remittance Transfers" as defined us at our general mailing address, listed in the Electronic Fund Transfer Act subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement, within ten (15 U.S.C. 1693o-110) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the payment Business Days of wire transfer requestsyour oral notification. If more than one Account(s) is designatedwe do not receive your written claim within the required timeframe, We we may 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 to a third party or account of a third party maintained with Us or any 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 named, any one of them may issue payment orders on any designated not provisionally credit your 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice notify you of rejection. If We are unable to reach You by telephone, We may at Our option give You notice the results of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 may be charged in 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 membership. All modifications or additions to Your Application for membership must be in writing. You agree to pay Us the amount our investigation and of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated to pay the transfer request. If a payment order is executed which creates an overdraft, with refund or without Our prior consent, You agree to pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount reversal 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 obligations to Us. You understand and agree that the payment of a wire transfer request may be made refund as required 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 transfer request described in such statement or confirmationlaw.

How Do I Make a Claim for a Refund. If You you believe that You you have suffered a loss relating to a substitute share draft check that You you received and that was posted to Your Accountyour account, please contact Us by telephone write us at the number shown hereinNorthern Bank & Trust Company, Attn: Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, or write to Us at the address shown herein, or ecall ▇-mail Us at the e- mail address shown herein▇▇▇-▇▇▇-▇▇▇▇. You must contact Us us within 40 45 calendar days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) either the substitute share draft check in question or the Account account statement showing that the substitute share draft check 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 share draft You check you received is insufficient to confirm that You you suffered a loss; and • ▪ A copy of the substitute share draft and/or check or the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You you wrote the share draftcheck, the amount of the share draft). This Wire Transfer Agreement applies check and the date the check was posted on your statement We may pay or decline to wire transfers pay any item when it is presented if your available balance is less than the amount of that are item plus all other items received but 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.)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 authorized available to charge Your Account pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the payment following types of wire transfer requests. If more than one Account(s) is designated, We may 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 transactions: ▪ checks and other transactions made using your checking account You have with Us, to any other financial institution, or to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer requestnumber; ▪ automated ▇▇▇▇ payments. We will provide not authorize and pay for the following types of transactions unless you ask us to do so: ▪ ATM transactions; ▪ everyday debit card transactions. You telephonic notice of rejectionmay choose to change your preference at any time by notifying us at any branch office, by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or mailing a request to our Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. If We are unable 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 reach 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 agree that any such transfer requests which We receive are effective as Your transfer requestpay the item, whether or not authorizedwe pay the item. You 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 no right asked us to cancel or amend a payment order do so and even if we have done so in the past. Fees may be applied to initiate a wire transfer after We receive each individual item that overdraws your account, even if we do not honor it. We 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 make a reasonable effort to act on a cancellation charge an Insufficient Funds Fee if we pay the item or amendment of a payment order made by You prior to the time that We execute such payment orderif we return it, but We have no liability if Your cancellation or amendment is ineffectivewe will charge another Return Item Fee. 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 Thus, you may be charged multiple Return Item Fees in relation connection with the same item that has been returned for insufficient funds multiple times. Refer to wire transfer requestsyour product information and Personal Fee Schedule for information about what fees apply and how fees are calculated for your account. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us are identified in Your Application We may limit the number of Return Item and Insufficient Funds fees we charge for membership. All modifications or additions to Your Application for membership must be in writinga business day. You agree 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 ▇-▇▇▇-▇▇▇-▇▇▇▇ or by visiting any branch office. You may also request overdraft protection for your checking account if you want to pay Us link either another one of your checking or statement savings accounts to automatically transfer the amount of any transfer request which We transmit pursuant needed, up to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated linked account, to pay the transfer requestcover checks or withdrawals that would overdraw your checking account. If a payment order There is executed which creates an overdraftassociated fee for this service, with or without Our prior consent, You agree to 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 transfers count for the payment of Your liabilities or obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number purposes of the intermediary federal limitations on withdrawals from a savings 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 money market 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 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 transfer request described in such statement or confirmation(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 share draft Check that You you received and that was posted Posted to Your your Account, please contact Us by telephone us at the applicable telephone number shown herein, or write mailing address listed in the subsection “How to Us at Contact Us” in the address shown herein, or e-mail Us at the e- mail address shown herein. section titled “General Account Information.” You must contact Us us within 40 forty (40) calendar days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) the substitute share draft Check in question or the Account statement showing that the substitute share draft Check was posted Posted to Your your 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- •  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 share draft You Check you received is insufficient to confirm that You you suffered a loss; and •  A copy of the substitute share draft Check and/or the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft your Account number, the Check number, and the name of the person to whom You you wrote the share draftcheck, and the amount of the share draft)check. This Wire Transfer Agreement applies Even if you tell us orally, we require that you send us your claim in writing to wire transfers that are not "Remittance Transfers" as defined us at our general mailing address, listed in the Electronic Fund Transfer Act subsection titled “How to Contact Us” in the section titled “General Account Information” in this agreement, within ten (15 U.S.C. 1693o-110) and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the payment Business Days of wire transfer requestsyour oral notification. If more than one Account(s) is designatedwe do not receive your written claim within the required timeframe, We we may 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 to a third party or account of a third party maintained with Us or any 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 named, any one of them may issue payment orders on any designated not provisionally credit your 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice notify you of rejection. If We are unable to reach You by telephone, We may at Our option give You notice the results of rejection in writing. If We accept a wire transfer request consistent with this Agreement, You agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 may be charged in 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 membership. All modifications or additions to Your Application for membership must be in writing. You agree to pay Us the amount our investigation and of any transfer request which We transmit pursuant to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated to pay the transfer request. If a payment order is executed which creates an overdraft, with refund or without Our prior consent, You agree to pay Us the overdraft amount and any overdraft fee immediately upon Our demand. We have the right to set-off the amount reversal 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 obligations to Us. You understand and agree that the payment of a wire transfer request may be made refund as required 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 transfer request described in such statement or confirmationlaw.

How Do I Make a Claim for a Refund. If You believe that You have suffered a loss relating to a substitute share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- e-mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft 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 share draft You received is insufficient to confirm that You suffered a loss; and •  A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example the share draft number, the name of the person to whom You wrote the share draft, and the amount of the share draft). This Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in Bonus SmartPoints will be earned at the Electronic Fund Transfer Act rate of: (15 U.S.C. 1693o-1a) and Regulation 100 SmartPoints each time You establish Bill Payment or E-Alerts; (b) 250 SmartPoints each time You establish Direct Deposit, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account for the payment of wire transfer requests. If more than one Account(s) is designated, We may 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 institutionOnline Banking, or E-Statements; (c) 1,000 SmartPoints each time You refer to Us a new member. Additional Bonus SmartPoints will be earned if 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. multiplying the fee amount by a factor of 20, and then converting the sum from currency to a third party or account of a third party maintained with Us or any 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 membershipgeneral number. For confirmation purposesexample, We may call any party designated a fee of $28.00 would be multiplied by 20, which equals $560.00 meaning that You would have to redeem 560 SmartPoints in Your application for membership. If more than one Authorized Person is named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate waive a wire transfer after We receive it. We will make a reasonable effort to act on a cancellation or amendment fee 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 may be charged in 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 membership. All modifications or additions to Your Application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 transfer request described in such statement or confirmationamount.

How Do I Make a Claim for a Refund. If You believe that You have suffered a loss relating to a substitute share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- e-mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft 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 share draft You received is insufficient to confirm that You suffered a loss; and •  A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example the share draft number, the name of the person to whom You wrote the share draft, the amount of the share draft). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 application for membership designates any Account which may be charged in 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 application for membership. All modifications or additions to Your Application application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 transfer request described in such statement or confirmation.

How Do I Make a Claim for a Refund. If You believe that You have suffered a loss relating to a substitute share draft check that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- e-mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft check in question or the Account statement showing that the substitute share draft 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 share draft check You received is insufficient to confirm that You suffered a loss; and •  A copy of the substitute share draft check and/or the following information to help Us identify the substitute share draftcheck: (identifying information, for example example: the share draft check number, the name of the person to whom You wrote the share draftcheck, the amount of the share draftcheck). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any other financial institution. There 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 application for membership designates any Account which may be charged in 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 application for membership. All modifications or additions to Your Application application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 dividends or reimburse You for any discrepancy or error in relation to a transfer request described in such statement or 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 share draft check that You you received and that was posted to Your Accountyour account, please contact Us by telephone write us at the number shown hereinNorthern Bank, Attn: Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇, or write to Us at the address shown herein, or ecall ▇-mail Us at the e- mail address shown herein▇▇▇-▇▇▇-▇▇▇▇. You must contact Us us within 40 45 calendar days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) either the substitute share draft check in question or the Account account statement showing that the substitute share draft check 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 share draft You check you received is insufficient to confirm that You you suffered a loss; and •  A copy of the substitute share draft and/or check or the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You you wrote the share draftcheck, the amount of the share draft)check and the date the check was posted on your statement We will not be required to permit any withdrawal from your account if there are insufficient available funds in your account to cover the withdrawal. This Wire Transfer Agreement applies If we do permit such a withdrawal, you agree to wire transfers that are not "Remittance Transfers" pay the overdrawn amount, and all applicable overdraft fees, as defined in soon as we give you notice of the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) overdraft. Under our standard overdraft practices, we may authorize and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account pay overdrafts for the payment following types of wire transfer requests. If more than one Account(s) is designated, We may 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 transactions:  checks and other transactions made using your checking account You have with Us, to any other financial institution, or to a third party or account of a third party maintained with Us or any 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer requestnumber;  automated ▇▇▇▇ payments. We will provide You telephonic notice not authorize and pay for the following types of rejection. If We are unable transactions unless you ask us to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorizeddo so:  ATM transactions;  everyday debit card transactions. You may choose to change your preference at any time by notifying us at a branch office, by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or through the mail to our Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. 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 no right asked us to cancel or amend a payment order do so and even if we have done so in the past. Fees may be applied to initiate a wire transfer after We receive each individual item that overdraws your account, even if we do not honor it. We will make a reasonable effort to act on a cancellation 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 ▇-▇▇▇-▇▇▇-▇▇▇▇ 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 ineffectivevisiting any branch office. You agree may also request overdraft protection for your checking account if you want to re-execute this Agreement link either another one of your checking or statement savings accounts to execute a new agreement if changes are necessary. Your Application for membership designates any Account which may be charged in relation to wire automatically 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 membership. All modifications or additions to Your Application for membership must be in writing. You agree to pay Us the amount of any transfer request which We transmit pursuant needed, up to this Agreement when We execute a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated linked account, to pay the transfer requestcover checks or withdrawals that would overdraw your checking account. If a payment order There is executed which creates an overdraftassociated fee for this service, with or without Our prior consent, You agree to 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 transfers count for the payment of Your liabilities or obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number purposes of the intermediary federal limitations on withdrawals from a savings 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 money market 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 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 transfer request described in such statement or confirmation(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 share draft that You received and that was posted to Your Account, please contact Us by telephone at the number shown herein, or write to Us at the address shown herein, or e-mail Us at the e- e-mail address shown herein. You must contact Us within 40 calendar days of the date that We mailed (or otherwise delivered by a means to which You agreed) the substitute share draft in question or the Account statement showing that the substitute share draft 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 share draft You received is insufficient to confirm that You suffered a loss; and • A copy of the substitute share draft and/or the following information to help Us identify the substitute share draft: (identifying information, for example the share draft number, the name of the person to whom You wrote the share draft, the amount of the share draft). 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 payment of wire transfer requests. If more than one Account(s) is designated, We may 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 to a third party or account of a third party maintained with Us or any other financial institution. There 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 named, any one of them 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 are 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 business day. We have no obligation to accept or execute any wire transfer request. We will provide You telephonic notice of rejection. If We are unable to reach 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorized. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive it. We will 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 may be charged in 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 membership. All modifications or additions to Your Application for membership must be in writing. You 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 Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account 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 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 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 transfer request described in such statement or 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 share draft check that You you received and that was posted to Your Accountyour account, please contact Us by telephone call us at the number shown herein, ▇▇▇-▇▇▇-▇▇▇▇ or write to Us us at the address shown herein1st Source Bank, or e-mail Us at the e- mail address shown hereinResearch Department, P.O. Box 1602, South Bend, IN 46634. You must contact Us us within 40 calendar forty (40) days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) the substitute share draft check in question or the Account account statement showing that the substitute share draft check was posted to Your Accountyour account, whichever is later. We will extend this period of 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 is incorrect); ) • An estimate of the amount of Your loss; your loss • An explanation of why the substitute share draft You check you received is insufficient to confirm that You you suffered a loss; and loss • A copy of the substitute share draft and/or check and the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You wrote the share draftpayee, and the amount of the share draft)check 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 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 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 account. If you close your account, you will be responsible for making sure that there is enough money in your account to cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the Fee Schedule for Personal Accounts for more information about these limitations. 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 Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in all consumer CDs, including those opened under your IRA or ESA. See the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) account agreements and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account associated disclosures for the payment additional terms of wire transfer requests. If more than one Account(s) is designated, We may charge any of the designated Accounts unless You give Us specific written directions otherwisethese accounts. Your transfer requests may involve 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 transfer terms of funds from this Account Agreement and the terms of any certificate of Your designated Accounts with Us to another account You have with Usdeposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, to any other financial institution, or to a third party or account of a third party maintained with Us or any other financial institution. There are no restrictions or limitations on the amounts which there may be ordered a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions principal prior to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who maturity may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, be permitted only in accordance with this Agreementlaws 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, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted a CD may be redeemed without penalty, or it may be renewed retroactive 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 membershipits maturity date. If more than one Authorized Person is namedyou add funds to a CD during the grace period, any one of them 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 are 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 we pay interest on the following business daynew balance effective the date the additional funds were deposited. We Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have no obligation to accept or execute any wire transfer requesta 3 day grace period. We • CDs with an original term greater than 31 days have a 10 day grace period. Automatic Renewal Your certificate of deposit account will provide You telephonic notice automatically renew unless we inform you otherwise. When we renew your certificate of rejection. If We are unable to reach You by telephonedeposit automatically, We may it renews at Our option give You notice of rejection the same term unless we notify you otherwise, in writing. If We accept you open a wire transfer request consistent with this Agreementpromotional 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorizedmay make additional deposits to a certificate of deposit during the grace period. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive itmay not otherwise make deposits until maturity. We will 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. Early Withdrawals You agree to re-execute this Agreement 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 execute a new agreement if changes are necessarymake an early withdrawal, we may charge you an early withdrawal penalty. Your Application We may waive the penalty in limited circumstances, such as death of the owner of the CD or for membership designates any Account which certain IRA distributions. Early withdrawals from an IRA may be charged in relation subject to wire transfer requestsIRS penalties or taxes. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us If we are identified in Your Application for membership. All modifications or additions to Your Application for membership must be in writing. You agree required to pay Us the an amount of any transfer request which We transmit pursuant to this Agreement when We execute from your time deposit (e.g., a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated to pay the transfer request. If a payment order is executed which creates levy or court order), we may charge you an overdraft, with or without Our prior consent, You agree to 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 early withdrawal penalty based on 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 amount withdrawn from 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 transfer request described in such statement or confirmationaccount.

How Do I Make a Claim for a Refund. If You you believe that You you have suffered a loss relating to a substitute share draft check that You you received and that was posted to Your Accountyour account, please contact Us by us at 1st Source Bank, Research Department, P.O. Box 1602, South Bend, IN 46634 or telephone at the number shown herein, or write to Us at the address shown herein, or eus ▇▇▇-mail Us at the e- mail address shown herein▇▇▇-▇▇▇▇. You must contact Us us within 40 calendar forty (40) days of the date that We we mailed (or otherwise delivered by a means to which You you agreed) the substitute share draft check in question or the Account account statement showing that the substitute share draft check was posted to Your Accountyour account, whichever is later. We will extend this period of 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 is incorrect); ) • An estimate of the amount of Your loss; your loss • An explanation of why the substitute share draft You check you received is insufficient to confirm that You you suffered a loss; and loss • A copy of the substitute share draft and/or check and the following information to help Us us identify the substitute share draftcheck: (identifying information, for example the share draft check number, the name of the person to whom You wrote the share draftpayee, and the amount of the share draft)check 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 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 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 account. If you close your account, you will be responsible for making sure that there is enough money in your account to cover all outstanding withdrawals. Transaction Limitations Withdrawal transactions are limited by us and by federal regulation. See Section 5 of this Agreement and the Fee Schedule for Personal Accounts for more information about these limitations. 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 Wire Transfer Agreement applies to wire transfers that are not "Remittance Transfers" as defined in all consumer CDs, including those opened under your IRA or ESA. See the Electronic Fund Transfer Act (15 U.S.C. 1693o-1) account agreements and Regulation E, Subpart B (12 CFR 1005.30 et seq.). We are authorized to charge Your Account associated disclosures for the payment additional terms of wire transfer requests. If more than one Account(s) is designated, We may charge any of the designated Accounts unless You give Us specific written directions otherwisethese accounts. Your transfer requests may involve 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 transfer terms of funds from this Account Agreement and the terms of any certificate of Your designated Accounts with Us to another account You have with Usdeposit document or receipt you receive. Tax Penalty for Early Distribution If your certificate of deposit is in a retirement account, to any other financial institution, or to a third party or account of a third party maintained with Us or any other financial institution. There are no restrictions or limitations on the amounts which there may be ordered a tax penalty for early distribution under IRS regulations. You should consult a qualified, independent tax advisor for advice. Withdrawal of interest or requested, or on the location or address of the beneficiary of a transfer unless You give Us written instructions principal prior to the contrary. The party(ies) named in Your application for membership are the Authorized Persons who maturity may issue payment orders to Us for the initiation of wire transfers or to receive telephone calls from Us, be permitted only in accordance with this Agreementlaws 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, for the purpose of confirming payment orders for the initiation of wire transfers which have been transmitted a CD may be redeemed without penalty, or it may be renewed retroactive 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 membershipits maturity date. If more than one Authorized Person is namedyou add funds to a CD during the grace period, any one of them 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 are 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 we pay interest on the following business daynew balance effective the date the additional funds were deposited. We Interest is not earned during the grace period if the CD is redeemed. • CDs with an original term of 31 days or less have no obligation to accept or execute any wire transfer requesta 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. We will provide You telephonic notice When we renew your certificate of rejection. If We are unable to reach You by telephonedeposit automatically, We may it renews at Our option give You notice of rejection the same term unless we notify you otherwise, in writing. If We accept you open a wire transfer request consistent with this Agreementpromotional 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 agree that any such transfer requests which We receive are effective as Your transfer request, whether or not authorizedmay make additional deposits to a certificate of deposit during the grace period. You will have no right to cancel or amend a payment order to initiate a wire transfer after We receive itmay not otherwise make deposits until maturity. We will 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. Early Withdrawals You agree to re-execute this Agreement 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 execute a new agreement if changes are necessarymake an early withdrawal, we may charge you an early withdrawal penalty. Your Application See the Fee Schedule for membership designates any Account which 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 charged in relation subject to wire transfer requestsIRS penalties or taxes. All parties which You have authorized to issue wire transfer requests or to receive telephonic confirmations from Us If we are identified in Your Application for membership. All modifications or additions to Your Application for membership must be in writing. You agree required to pay Us the an amount of any transfer request which We transmit pursuant to this Agreement when We execute from your time deposit (e.g., a payment order to carry out Your wire transfer request. You will not make any wire transfer request which would cause You to exceed the available balance in the Account designated to pay the transfer request. If a payment order is executed which creates levy or court order), we may charge you an overdraft, with or without Our prior consent, You agree to 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 obligations to Us. You understand and agree that the 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. You also understand and agree that We or any other financial institution used to carry out a transfer request, may rely on the identifying number of the 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 early withdrawal penalty based on 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 amount withdrawn from 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 transfer request described in such statement or confirmationaccount.