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Tax Refund Direct Deposit Information

Direct deposit your tax refund into Thrivent Financial accounts
The IRS allows taxpayers to choose to have their federal income tax refunds directly deposited into an account with a bank or other financial institution. For greater flexibility, the IRS permits taxpayers to split a refund into multiple (up to three) accounts, including IRAs and Coverdell education savings accounts.

Taxpayers electing to directly deposit their federal income tax refund will use IRS Form 1040 (if directing to only one account) or IRS Form 8888 (if splitting a refund between two or three different accounts). Both forms are available on the IRS web site (www.IRS.gov). When directing your federal income tax refund to a Thrivent Financial account, use the following information:

• For mutual funds, replace the Xs with your fund and account number as it appears on page 2 of your Mutual Fund Year-End Statement. As an example, if your fund and account number on your statement is 17-1234567890, then you would indicate LU51-017-1234567890 either on IRS Form 1040 or IRS Form 8888.

• For annuities, replace the Xs with your contract number as it appears on your statement (be sure to include any letters that are part of your contract number, if applicable). As an example, if your contract number is 01234567, then you would indicate 4412P01234567; or, if your contract number is B1234567, then you would indicate 4412PB1234567 either on IRS Form 1040 or IRS Form 8888.

• For bank accounts, replace the Xs with your 7-10 digit account number as it appears on the bottom of your personal checks.

For additional questions regarding direct deposit of your tax refund into a Thrivent Financial account, please contact your Thrivent Financial representative or tax professional.

Note:

For direct deposits into an IRA, the contribution will be treated as a current year contribution. If the contribution was received at Thrivent Financial prior to your tax filing due date (without regard to extensions), and you want it to be treated as a prior year contribution, you must contact Thrivent Financial after you receive your transaction confirmation.

The instructions to IRS Form 8888 detail what the IRS will do if the refund is increased or decreased due to a math error or refund offset. If the deposit into one or more of your accounts is changed and the account is subject to contribution limits (such as an IRA), you may need to correct your contribution or file an amended return.