NOTICE TO LCEF INVESTORS

If your LCEF investment has a check-writing or debit card feature, the following Agreements apply. By using the features, you agree to be bound by the terms and conditions of these Agreements. LCEF reserves the right to amend these Agreements at any time by placing revised versions thereof on the LCEF website.

CHECK-WRITING AGREEMENT

UMB Bank, n.a. complies with Section 326 of the USA Patriot Act, which requires it to verify certain information about persons who obtain Check-writing services for persons who enter custodial relationships with the Bank.

Each person applying for and signing as an owner, custodian or authorized signatory of an LCEF StewardAccount investment (collectively, “StewardAccounts”) on an LCEF Investment Application or as an owner of an LCEF FlexPlus Certificate on an LCEF Health Savings Account Application (an “Applicant”) certifies that his or her signature thereon represents such Applicant’s legal signature and guarantees the genuineness of all other Applicant’s signatures.

Each Applicant authorizes LCEF and UMB Bank, n.a. or its bank affiliates (collectively, the “Bank”) and any of their successors to recognize such signatures in the payment of checks and other instruments (“Checks”) as they appear on the LCEF Investment Application or on the LCEF Health Savings Account Application.

Each Applicant plus any person designated by the Applicant (“Authorized User”) authorizes the redemption of funds through check-writing. Each Applicant and Authorized User further agrees to be bound to the terms and conditions for check-writing (the “Terms”) contained herein, the check-writing limits referenced in the brochure accompanying the account certification letter, the charges set forth in LCEF’s current Offering Circular for the StewardAccounts certificates or for each LCEF FlexPlus Certificate, and by any other agreement governing the StewardAccounts or the FlexPlus Certificate as may be amended and in effect from time to time. Each Applicant and Authorized User agrees to be bound by amendments to the Terms, check-writing limits, charges set forth in LCEF’s Offering Circular, and any other agreement governing the StewardAccounts or the FlexPlus Certificate made by the Bank or LCEF when notices of such changes are received. Each Applicant and Authorized User understands that LCEF’s approval of the StewardAccounts Check-writing Application or the FlexPlus Certificate is subject to verification and investigation and that neither the StewardAccounts or the FlexPlus Certificate is an FDIC-insured bank deposit account.

Each Applicant hereby appoints the Bank as Applicant’s agent, and as agent, is authorized and directed upon presentment of StewardAccounts or FlexPlus Certificate Checks to the Bank to transmit such Checks to LCEF as requests to redeem amounts invested in the StewardAccounts or the FlexPlus Certificate. The Applicant agrees that the Bank may honor electronic payments to or from the StewardAccounts or the FlexPlus Certificate as authorized by the Applicant and Authorized User, when such payments are processed in accordance with the law and the applicable payment system rules. Applicant and Authorized User agrees that additional amounts added to the StewardAccount or the FlexPlus Certificate by Check may require seven (7) days’ written notice of an intended redemption and may require that invested funds not be redeemed for up to seven (7) days. Each Applicant and Authorized User authorizes the Bank to effect redemptions to defray the Bank’s charges relating to this Check-writing Agreement. The Applicant and Authorized User agrees that payments made in accordance with this Agreement are governed by the laws, including the Uniform Commercial Code as enacted in the state of Missouri as amended from time to time. The Applicant and Authorized User consent to the jurisdiction of the state or federal courts in Missouri over any dispute or claim arising out of the provision of check-writing or other payment services under this Agreement.

The Applicant agrees to examine the monthly statement for the StewardAccounts or the FlexPlus Certificate promptly. Applicant agrees to report any claim that a Check or other payment made from the StewardAccounts or the FlexPlus Certificate was forged, altered, or otherwise not authorized within thirty (30) days of receipt of the statement first containing a reference to such activity. Applicant agrees that failure to notify LCEF or the Bank within that time will preclude any claim against LCEF and the Bank by reason of any unauthorized or missing signature, alteration, or error of any kind. In the event LCEF or the Bank is deemed liable for any unauthorized payment or any failure to honor a stop payment order that has been given, such liability shall not exceed the face amount of the Check or other payment improperly made. The Bank has the right not to honor Checks presented to it; the Bank and LCEF have the right to change, modify, or terminate the Check-writing Agreement at any time; and the Bank shall be liable only for its own negligence.

VISA® DEBIT CARD AGREEMENT

UMB Bank, n.a. complies with Section 326 of the USA Patriot Act, which requires it to verify certain information about the Debit Card applicants while processing their information.

Each person requesting the Visa debit card (“Card”) on an LCEF Investment Application or on an LCEF Health Savings Account Application (an “Applicant”) hereby applies to UMB Bank, n.a. (the “Bank”) for a Card as set forth below:

Each Applicant understands that the application for a Card is subject to approval by the Bank. By submitting this request for a Card, each Applicant authorizes the Bank to obtain a credit report on the Applicant in connection with this Application, and from time to time after the Applicant receives a Card to verify that the Applicant continues to qualify for the Card. The Bank may inquire as to the credit, investments, and employment history of each Applicant.

If this request is approved by the Bank, each Applicant plus any person designated by the Applicant will be issued a Card. Each Applicant understands that the Card(s) will be mailed to the Applicant accompanied by an agreement (the “Cardholder Agreement”) setting forth the terms and conditions governing the Card. The Applicant understands and agrees that the Card and use of the Card will be governed by the Cardholder Agreement, as amended by the Bank from time to time.

Each time an Applicant uses a Card, he/she authorizes LCEF to order redemptions to be made so that transactions are settled and the Bank receives the proceeds of such redemptions. The Applicant understands that the Card is made available solely for the purpose of enabling the Applicant to redeem funds and does not involve any extension of credit. This authorization may be terminated by either the Bank or the Applicant by written notification. The Applicant understands that the Applicant will be responsible for the amount of any transactions authorized by the Applicant, whether or not the transactions have been debited from an account as of the date of such termination.

The Applicant understands and agrees that the Bank may provide information about the Card and the Applicant’s use of a Card to LCEF or other service providers in order to process Card transactions or otherwise provide Card services.

Rev. 22AUG22