Common use of Determining the Availability of a Deposit Clause in Contracts

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business day, that day will be the day of your deposit. If you make your deposit after 3 p.m. or on a day that is not a business day, the next business day will be the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.am – 6:30 pm), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m.4:00 pm, that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m.4:00 pm, the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. 3:00 pm on a business day, that day will be the day of your deposit. If you make your deposit after 3 p.m. 3:00 pm or on a day that is not a business day, the next business day will be the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. 7:00 pm on a business day, that day will be the day ofyour of your deposit. If you make your deposit after 7 p.m. 7:00 pm on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific TimeFederal Holidays. If you make a deposit directly prior to a teller the branch closing on a business day while that we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If However, if you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared after the branch location before 3 p.m. closes, on a Saturday or on a day we are not open, we will consider that the deposit was made on the next business day, that day we are open. The length of the delay varies depending on the type of deposit and is explained below. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. A total of $100 aggregate deposit per business day will be avilable on the day we receive the deposit. Funds from the follwing deposits are available on the first business day after the day of your deposit: • U.S. Treasury checks that are payable to you • wire transfers • checks drawn on Olive View Federal Credit Union If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • cash • state and local government checks that are payable to you • cashier’s, certified, and Teller’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and US postal money orders, if these items are payable to you If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day of your deposit. If Funds you make your deposit after 3 p.m. or on a day that is not a business day, the next business day will be the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will check may be delayed for a longer period under the time it takes us to collect following circumstances: • We believe a check you deposited will not be paid. • You deposit checks totaling more than $5,000 on any one day. • A redeposit check that has been returned unpaid. • You have had a prior check deposit returned for any reason. • You have deposited an empty envelope at an ATM in the funds from last six months. • You have overdrawn your account repeatedly in the paying financial institution and may take anywhere from several weeks to several months before last six months. • There is an emergency, such deposits will be made available to youas failure of computer or communications equipment.

Determining the Availability of a Deposit. You may make deposits to your account at any time at any branch or by mail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Federal holidays. If you make your deposit before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make your deposit after 2:00 p.m., or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of delay varies depending on the type of deposit and manner of depositis explained below. For determining the availability of funds deposited • U.S. Treasury checks that are payable to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidaysyou. All times provided below are Pacific Time• Wire transfers. If you make a deposit directly to a teller • Checks drawn on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business day, that day will be the day of your depositIDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a business day, the next first business day will be after the day of your deposit: • Cash • State and local government checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. (Please note that next day availability for these items only applies if the IDB Bank office or branch is located in the same State that issued the check or the same State as the unit of local government that issued the check). • Cashier's, certified, and xxxxxx's checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in person to one of our processing center. If tellers (e.g., if you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or mail your deposit. Any deposited check), cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such these types of deposits will be made available to youon the second business day after the day we receive your deposit.

Determining the Availability of a Deposit. You may make deposits to your account at any time at any branch or by mail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Federal holidays. If you make your deposit before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make your deposit after 2:00 p.m., or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of delay varies depending on the type of deposit and manner of depositis explained below. For determining the availability of funds deposited • U.S. Treasury checks that are payable to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidaysyou. All times provided below are Pacific Time• Wire transfers. If you make a deposit directly to a teller • Checks drawn on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business day, that day will be the day of your depositIDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a business day, the next first business day will be after the day of your deposit: • Cash • State and local government checks that are payable to you, provided you receive an approval from an Account Officer on our banking platform. (Please note that next day availability for these items only applies if the IDB Bank officeor branch is located in the same State that issued the check or the same State as the unit of local government that issuedthe check). • Cashier's, certified, and xxxxxx's checks that are payable to you, provided you receive an approval from an AccountOfficer on our banking platform. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in person to one of our processing center. If tellers (e.g., if you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or mail your deposit. Any deposited check), cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such these types of deposits will be made available to youon the second business day after the day we receive your deposit.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business dayday except Saturday, except Saturdays, Sundays, Sunday and federal holidays. All times provided below are Pacific Time. If Generally, if you make a deposit directly at a branch during normal business hours that we are open, we will consider that day to a teller be the day of your deposit (Branches business hours may vary depending on location. Please contact the specific branch for its business hours.) Deposits made through our ATMs must be done so before 2:00 p.m. Monday through Friday, on a business day while that we are open for business (generally 6:30 a.m.-6:30 p.m.), to be considered that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If However, if you make a deposit at after these times, or on a BECU-owned ATM day we are not open, we will consider that the deposit was made on the next business day we are open. The length of the delay varies depending on the type of deposit as explained below. Funds from the following deposits (displaying our “BECU” logo) or deposited in person to a teller at Proponent employee and into payee’s account) are available the 1st business day after the day of deposit: Please note the emphasis on U.S. Postal Service Money Order as these are the only money orders that are considered Next Day items. If the money order is not a shared branch location before 3 p.m. on a business dayU.S. Postal Service Money Order, that day then the funds will be available the second business day after the day of your deposit. If In some cases, we will not make all of the funds you make your deposit after 3 p.m. or available to you on a day that is not a business day, the next first business day will be after the day of your deposit. If Depending on the type of check that you make a deposit at a drop boxdeposit, a non-BECU-owned ATM, or by mailing it to us through funds may not be available until the United States Postal Service (USPS), second business day after the day of your deposit. The first $225 of the deposit aggregate deposits, however, will be available on the first business day day. If we process are not going to make all of the funds from your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. available on a the first business day, that day we will notify you at the time you make 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, or if we decide to take this action after you have left the premises, we will mail you the notice by the day ofyour after we receive your deposit. If you make will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We will notify you if we delay your deposit after 7 p.m. on a business dayability to withdraw funds for any of these reasons, or on a day that is not a business day, and we will tell you when the next funds will be available. They will generally be available no later than the seventh business day will be after the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of our deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policythis Section of this Agreement, every day is a business day, day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller before the close of business on a business day while that we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If However, if you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) after the close of business or to a teller at a shared branch location before 3 p.m. on a day we are not open, we will consider that the deposit was made on the next business day, that day we are open. The length of the delay varies depending on the type of deposit and is explained below. If you are unsure about when a particular deposit will be available for withdrawal, please ask us. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. In general, $225 of a deposit is available for withdrawal in cash on the first (1st) business day after the day of deposit. Funds from the following deposits are available on the first business day after the day of your deposit: • U.S. Treasury checks that are payable to you • Wire transfers • Checks drawn on American First Credit Union If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Corporate, certified, and xxxxxx’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. 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. If Depending on the type of check that you make your deposit after 3 p.m. or on a day that is deposit, funds may not a business day, be available until the next second business day will be after the day of your deposit. The first $225 of your deposits, however, will be available on the first business day. If you we are not going to make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day all of the deposit will be the business day we process funds from your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. available on a the first business day, that day we will notify you at the time you make 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, or if we decide to take this action after you have left the premises, we will mail you the notice by the day ofyour after we receive your deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect need the funds from a deposit right away, you should ask us when the paying financial institution and may take anywhere from several weeks to several months before such deposits funds will be made available to youavailable.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 p.m. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 p.m. ET at an HSBC ATM on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name. Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic direct deposits. • Wire transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12 a.m. (Midnight) ET, the deposit will be considered received the next Calendar Day. Funds from the following deposits are available to you on the first Business Day after the day of your deposit:  U.S. Treasury checks payable to you.  Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you.  Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on the first Business Day after the day of your deposit:  State and local government checks payable to you.  Cashier's, certified, and xxxxxx's checks payable to you.  If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $200 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Funds you make deposit by check may be delayed for a longer period under the following circumstances:  The Bank believes a check you deposit at will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a drop boxcheck that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. You may make deposits to your account at any time at any branch or by mail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Federal holidays. If you make your deposit before 2:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make your deposit after 2:00 p.m., or on a day we are not open, we will consider that the deposit was made on the next business day we are open. The length of delay varies depending on the type of deposit and manner of is explained below. Same-Day Availability: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. For determining the availability of funds deposited • U.S. Treasury checks that are payable to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidaysyou. All times provided below are Pacific Time• Wire transfers. If you make a deposit directly to a teller • Checks drawn on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business day, that day will be the day of your depositIDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a business day, the next first business day will be after the day of your deposit: • Cash • State and local government checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. (Please note that next day availability for these items only applies if the IDB Bank office or branch is located in the same State that issued the check or the same State as the unit of local government that issued the check). • Cashier's, certified, and xxxxxx's checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in person to one of our processing center. If tellers (e.g., if you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or mail your deposit. Any deposited check), cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such these types of deposits will be made available to youon the second business day after the day we receive your deposit.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 PM. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 PM ET at an HSBC ATM on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name • Real-Time Payments the Bank receives for credit to your HSBC Bank USA, N.A. account through the RTP System, which are typically available in real time. Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic Direct Deposits. • Wire Transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12am (Midnight) ET, the deposit will be considered received the next Calendar Day. Funds from the following deposits are available to you on the first Business Day after the day of your deposit: • U.S. Treasury checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. • Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on the first Business Day after the day of your deposit: • State and local government checks payable to you. • Cashier's, certified, and xxxxxx's checks payable to you. • If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $200 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Funds you make deposit by check may be delayed for a longer period under the following circumstances: • The Bank believes a check you deposit at will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a drop boxcheck that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 PM. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 PM ET at an HSBC ATM on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name. • Real Time Payments (RTP). Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic direct deposits. • Wire transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12 AM (Midnight) ET, the deposit will be considered received the next Calendar Day. Funds from the following deposits are available to you on the first Business Day after the day of your deposit: • U.S. Treasury checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. • Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on the first Business Day after the day of your deposit: • State and local government checks payable to you. • Cashier's, certified, and xxxxxx's checks payable to you. • If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $200 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Funds you make deposit by check may be delayed for a longer period under the following circumstances: • The Bank believes a check you deposit at will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a drop boxcheck that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. You may make deposits to your account at anytime at any branch or bymail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business inbusiness days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every day is Every dayis a business day, day except Saturdays, Sundays, and federal Federal holidays. All times provided below are Pacific Time. If you make a your deposit directly to a teller before 2:00 p.m. on a business day while daythat we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will dayto be the day of your deposit. If However, if you make a your deposit at a BECU-owned ATM (displaying our “BECU” logo) after 2:00 p.m., or to a teller at a shared branch location before 3 p.m. on a day we are not open, we will consider that the deposit was made on the next business day, day we are open. The lengthof delayvaries depending onthe type of deposit and is explained below. • U.S. Treasury checks that day will be the day of your depositare payable to you. • Wire transfers. • Checks drawn on IDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a the first business day, the next business day will be dayafter the day of your deposit: • Cash • State and local government checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. (Please note that next dayavailability for these items only applies if the IDB Bank office or branch is located in the same State that issuedthe xxxxxxx the same State as the unit of local government that issued the check). • Cashier's, certified, and xxxxxx's checks that are payable to you if you use a specialdeposit slip available from an Account Officer on our banking platform. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in personto one of our processing center. If tellers (e.g., if you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or mail your deposit. Any deposited check), cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such these types of deposits will be made available to youon the secondbusiness day after the day we receive your deposit.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 PM. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. via mRDC on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 PM ET at an HSBC ATM or via mRDC on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name • Real-Time Payments the Bank receives for credit to your HSBC Bank USA, N.A. account through the RTP System, which are typically available in real time. Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic Direct Deposits. • Wire Transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12am (Midnight) ET, the deposit will be considered received the next Calendar Day. Funds from the following deposits are available to you on the first Business Day after the day of your deposit: • U.S. Treasury checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. • Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on the first Business Day after the day of your deposit: • State and local government checks payable to you. • Cashier's, certified, and teller's checks payable to you. • If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $225 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Funds you make deposit by check may be delayed for a longer period under the following circumstances: • The Bank believes a check you deposit at will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a drop boxcheck that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.