Common use of Central Time Clause in Contracts

Central Time. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until up to the second business day after the day of your deposit. However, the first $200 of your deposit will be available on the first business day. Under the following circumstances, funds you deposit by check may be delayed up to five days in addition to the maximum two-day delay explained in the preceding paragraph: • We believe a check you deposit will not be paid. (The first $200 will not be made available on the first business day.) • You deposit checks totaling more than $5,000 on any one day. The first $200 will be made available on the day of your deposit. • You redeposit a check that has been returned unpaid. (The first $200 will not be made available on the first business day.) • You have overdrawn your Deposit Account repeatedly in the last six months. (The first $200 of your deposit will not be made available on the first business day.) • There is an emergency, such as failure of communications or computer equipment. (The first $200 of your deposit will not be made available on the first business day.) We will tell you at the time you make a deposit if we are not going to make all of the funds from your deposit available the business day after the day of your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees (for example, if you mail your deposit), or if we decide to take this action after you have left the premises, we will mail you the notice by the business day following the day we receive your deposit. You should ask us when the funds will be available if you will need the funds from a deposit right away.

Central Time. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until up to the second business day after the day of your deposit. However, the first $200 100 of your deposit deposits will be available on the first business day. Under the following circumstances, funds you deposit by check may be delayed up to five days in addition to the maximum twofive-day delay explained in the preceding paragraph: • We believe a check you deposit will not be paid. (The first $200 will 100 may not be made available on the first business day.) • You deposit checks totaling more than $5,000 on any one day. The first $200 will be made available on the day of your deposit. • You redeposit a check that has been returned unpaid. (The first $200 will 100 may not be made available on the first business day.) • You have overdrawn your Deposit Account repeatedly in the last six months. (The first $200 100 of your deposit will may not be made available on the first business day.) • There is an emergency, such as failure of communications or computer equipment. (The first $200 100 of your deposit will may not be made available on the first business day.) We will tell you at the time you make a deposit if we are not going to make all of the funds from your deposit available the business day after the day of your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees (for example, if you mail your deposit), or if we decide to take this action after you have left the premises, we will mail you the notice by the business day following the day we receive your deposit. You should ask us when the funds will be available if you will need the funds from a deposit right away.

Central Time. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until up to the second business day after the day of your deposit. However, the first $200 225 of your deposit will be available on the first business day. Under the following circumstances, funds you deposit by check may be delayed up to five days in addition to the maximum two-day delay explained in the preceding paragraph: • We believe a check you deposit will not be paid. (The first $200 225 will not be made available on the first business day.) • You deposit checks totaling more than $5,000 5,525 on any one day. The first $200 225 will be made available on the day of your deposit. • You redeposit a check that has been returned unpaid. (The first $200 225 will not be made available on the first business day.) • You have overdrawn your Deposit Account repeatedly in the last six months. (The first $200 225 of your deposit will not be made available on the first business day.) • There is an emergency, such as failure of communications or computer equipment. (The first $200 225 of your deposit will not be made available on the first business day.) We will tell you at the time you make a deposit if we are not going to make all of the funds from your deposit available the business day after the day of your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees (for example, if you mail your deposit), or if we decide to take this action after you have left the premises, we will mail you the notice by the business day following the day we receive your deposit. You should ask us when the funds will be available if you will need the funds from a deposit right away.

Central Time. If you make a deposit before the close of business on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until up to the second business day after the day of your deposit. However, the first $200 225 of your deposit will be available on the first business day. Under the following circumstances, funds you deposit by check may be delayed up to five days in addition to the maximum two-day delay explained in the preceding paragraph: •  We believe a check you deposit will not be paid. (The first $200 225 will not be made available on the first business day.) •  You deposit checks totaling more than $5,000 5,525 on any one day. The first $200 225 will be made available on the day of your deposit. •  You redeposit a check that has been returned unpaid. (The first $200 225 will not be made available on the first business day.) •  You have overdrawn your Deposit Account repeatedly in the last six months. (The first $200 225 of your deposit will not be made available on the first business day.) •  There is an emergency, such as failure of communications or computer equipment. (The first $200 225 of your deposit will not be made available on the first business day.) We will tell you at the time you make a deposit if we are not going to make all of the funds from your deposit available the business day after the day of your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees (for example, if you mail your deposit), or if we decide to take this action after you have left the premises, we will mail you the notice by the business day following the day we receive your deposit. You should ask us when the funds will be available if you will need the funds from a deposit right away.