REMEDY CHECK PROTECTION

Thank you for purchasing the Remedy Check Protection™ Program (“REMEDY™” or "Program"), which is administered by REMEDY™ in conjunction with your check printer. The full terms, conditions and limitations of this Program are set forth below.

Reimbursement Limits
The maximum reimbursement is $25,000 for all checks, regardless of the number of checks for which requests for reimbursement are presented and/or the number of requests made.

REMEDY™ applies only to checks written during the time the applicable Member is an active member of their financial institution’s program of which Remedy Check Protection is a benefit. REMEDY™ applies to personal checks only. It does not and will not apply to checks used for business purposes or deposit tickets. REMEDY™ only applies to checks actually utilized as checks for a specific transaction and therefore excludes any and all blank checks provided for any type of direct deposit, direct withdraw, or provided to facilitate an account with a vendor. To be reimbursed under the Program, the fraud must be committed in the US or territories governed by US laws and must be reported to law enforcement authorities as evidenced by a police report.

REMEDY™ is designed to facilitate your recovery of covered losses, such that you may obtain benefits directly from REMEDY™ by assigning your claims against the responsible financial institution. With REMEDY™, you will not need to seek any reimbursement from your financial institution.

DEFINITION OF FRAUD
Forged Signatures. REMEDY™ applies to legitimate blank checks that are forged with your signature, as the payer, that results in a debit to your checking account.

Forged Endorsements. REMEDY™ applies to a legitimate check that is endorsed and cashed or deposited by someone other than the designated payee based upon a fraudulent and false endorsement. REMEDY™, however, does not apply to a check that bears a legitimate original endorsement that is secondarily fraudulently endorsed.

Altered Checks. REMEDY™ applies to legitimate checks that contain altered information such as the payee identification, check amount, or that are otherwise altered to benefit the party altering the check.

Limitations of Protection
REMEDY™ is specifically limited to the $25,000 maximum total reimbursement amount listed above, regardless of the number of reimbursement requests that are made by you and/or by any other account holder.

1. REMEDY™ will not reimburse for fraud if an immediate family member of any of the account holders perpetrates the fraud. Immediate family members shall include spouse, parents, sons, daughters, or grandchildren of the account holder.
2. REMEDY™ will not reimburse for fraud perpetrated by any of the account holders.
3. REMEDY™ will not reimburse for fraud if any member of an account holder's household perpetrates the fraud. Members of an account holder's household shall include any person living with the account holder on a full-time or a part-time basis, including all house guests, domestic employees and/or boarders living in the account holder's domicile.

Reimbursement Process
If you wish to make a reimbursement request, please call 1-866-449-8827 to request a package.

A reimbursement request must be made within a reasonable timeframe not to exceed one year from the account holder's discovery of the fraud, receipt of a bank statement, or receipt of the returned instrument that reflects the fraud.

After you make a reimbursement request, you will be sent a package that will require you to provide certain information and to complete one or more forms, including the following:

1. Reimbursement Request Form
2. Limited Durable Power of Attorney Form
3. Copy of your bank statement
4. Other forms to document your loss.

REMEDY™ will review the reimbursement package completed by you and evaluate your request for reimbursement and / or ask you for additional information. Once the request is processed, a reimbursement, in the form of a check, will be created within 3 days following receipt of the complete request package. REMEDY™ will determine the extent to which it will pursue your rights, which you will assign to REMEDY™, against your bank / financial institution.

You agree as part of the terms and conditions of the coverage to cooperate with REMEDY™ in providing supplemental documentation for not only the initial claim but also to facilitate any effort by REMEDY™ to recover against a bank or other responsible parties, including providing supplemental documentation or appearing for witness testimony at Remedy's™ request.

Scope of Recoverable Losses
Only losses listed above are recoverable from REMEDY™. The amount recoverable by you shall include all actual amounts paid from your account and all bank / financial institution / retailer fees incurred due to the fraud, not to exceed the total reimbursement amounts described above.

General Rules, Term, and Conditions

1. REMEDY™ will contact your financial institution to confirm that you are a club account member in good standing at the time the fraud occurred.
2. REMEDY™ will only protect the checks issued by your financial institution and therefore their endorsed supplier of checks.
3. REMEDY™ Protection will expire when you are no longer a Club Account member