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. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit in person to a teller at a Columbia branch on a business day we are open, we will consider that day to be the day of your deposit. However, if you make a deposit 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 the delay varies depending on the type of deposit. DEPOSITS AT AUTOMATED TELLER MACHINES Deposits may only be made at ATMs owned and operated by Columbia Bank, and located at a Columbia Bank branch. All ATMs that we own or operate are identified as our machines. If you make a deposit at an ATM before 4:00 PM on a business day we are open, we will consider that day to be the day of your deposit. If you make a deposit at an ATM after 4:00 PM on a business day we are open or at any time on a non-business day, we will consider that the deposit was made on the next business day we are open. Funds from deposits of all other items will be governed by the rules below. AVAILABILITY OF DEPOSITS SAME DAY AVAILABILITY Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from cash, checks drawn on Columbia Bank and funds from wire transfers received for deposit at Columbia branches will be available for withdrawal at Columbia branches on the business day we receive the deposit. NEXT DAY AVAILABILITY The following paragraphs describe deposits which receive next day availability. Certain circumstances may cause additional delays to the availability of these funds. Please refer to the section titled “Longer Delays May Apply.” Funds from cash and checks drawn on Columbia Bank deposited prior to 4:00 PM on a business day at ATMs owned and operated by us will be available on the first business day after the day of your deposit. Funds from the following deposits are available on the first business day after the day of your deposit: • Traveler’s Checks • U. S. Treasury checks that are payable to you. • 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: • New Jersey State and Local Government checks that are payable to you. • Cashier’s, certified, and xxxxxx’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders, if these items are payable to you. OTHER CHECK DEPOSITS All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available If A Deposit Is Made On A Monday $200 on the first business day after the day of your deposit. Tuesday Remaining funds on the second business day after the day of your deposit Wednesday Foreign Checks Upon Collection Upon Collection If you deposit from a combination of categories of checks, $200 from the checks will be available on the first business day after the day of your deposit, not $200 from each category of checks. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY: Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the fifth business day after the day of your deposit.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day date of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit in person to a teller at a Columbia branch before closing 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 closing 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 the delay varies depending on the type of depositdeposit as explained below. DEPOSITS AT AUTOMATED TELLER MACHINES Deposits may only be made at ATMs owned and operated by Columbia Bank, and located at a Columbia Bank branch. All ATMs that we own or operate are identified as our machines. If you make a deposit at an ATM before 4:00 PM on a business day we are open, we will consider that day to be the day of your deposit. If you make a deposit at an ATM after 4:00 PM on a business day we are open or at any time on a non-business day, we will consider that the deposit was made on the next business day we are open. Same - Day Availability Funds from the following deposits of all other items will be governed by the rules below. AVAILABILITY OF DEPOSITS SAME DAY AVAILABILITY Funds from electronic direct deposits will be are available on the day we receive the deposit. : • Funds from cash, electronic direct deposit • U.S. Treasury checks that are payable to you • Checks drawn on Columbia Taunton Federal Credit Union • Share drafts of members of Taunton Federal Credit Union • Cash • State and local government checks payable to you • Federal Reserve Bank checks; Federal Home Loan Bank checks; and funds from wire transfers received for deposit at Columbia branches will be available for withdrawal at Columbia branches on the business day we receive the depositU.S. Postal Money Orders if these items are payable to you. NEXT DAY AVAILABILITY The following paragraphs describe • Payroll checks • Wire Transfer deposits which receive next day availability. Certain circumstances may cause additional delays to the availability of these funds. Please refer to the section titled “Longer Delays May Apply.” Funds from cash and checks drawn on Columbia Bank deposited prior to 4:00 PM on a business day at ATMs owned and operated by us will be available on the first business day after the day of your deposit. Next Day Availability Funds from the following deposits are available on the first business day after following the day of your deposit: • Traveler’s Checks • U. S. Treasury Cashiers, certified and tellers checks that are payable to you. you • If you make the deposit in person to one of our employees, funds $225 from the following other check deposits are also Longer Delays May Apply Case by Case Delays Funds from other check deposits will be available on the first business day after the day of your deposit: • New Jersey State and Local Government checks that are payable to you. • Cashier’s, certified, and xxxxxx’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders, if these items are payable to you. OTHER CHECK DEPOSITS All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available If A Deposit Is Made On A Monday $200 on the first business day after the day of your deposit. Tuesday Remaining funds on the second business day after the day of your deposit Wednesday Foreign Checks Upon Collection Upon Collection If deposit. For example, if you deposit from a combination check of categories of checks$700 on a Monday, $200 from the checks will be 225 is available on Tuesday and the first business day after the day of your deposit, not remaining $200 from each category of checks475 is available on Wednesday. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those These funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY: Safeguard Exceptions Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will may not be paid. • You deposit checks totaling more than $5,000 5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six 6 months. • There is an emergency, emergency such as a failure of computer or communications or computer equipment. We will notify you if we delay your ability availability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They Funds will generally be available no later than the fifth seventh business day after the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Special Rules for New Accounts If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits, cash and wire transfers will be available on the day we receive the deposit. Funds from payroll, traveler’s, and federal, state and local government checks and U.S. Postal money orders will be available on the day we receive your deposit, if the deposit meets certain conditions including that the check is payable to you. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. Foreign Checks Checks drawn on financial institutions outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure and are sent for collections prior to deposit in your account. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes to collect the funds from the financial institutions upon which it is drawn and will not be credited to your account until that time. Deposits at Automated Teller Machines/Mobile Deposit Funds from deposits (cash or checks) made before 3:00 pm on any banking day at automated teller machines (ATMs) we own or operate will be considered made on the day of deposit. Funds from deposits (checks) made before 3:00 pm on any banking day through Mobile Deposit will be considered made on the day of deposit. Deposits made after 3:00 pm on any banking day will be considered made on the next banking day. Funds from deposits may not be available for immediate withdrawal. Please refer to the section titled “Determining the Availability of a Deposit” to determine the length of delay for the type of deposit you may be making to the ATM or through Mobile Deposit.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your our deposit. Every For the purposes of this Section of this Agreement and Disclosure, every day is a business day except Saturdays, Sundays, and federal holidays. If you make youmake a deposit in person to a teller at a Columbia branch depositbeforetheclose ofbusiness on a business day that we are openareopen, we will consider that willconsiderthat day to be the day of your deposit. ofyourdeposit.However, if you make ifyoumake a deposit on depositaftertheclose ofbusiness oron a day we are not opennotopen, we will consider that the deposit was made willconsiderthatthe depositwasmade on the next business day thenextbusinessday we are open. The length areopen.Thelength of the delay varies depending thedelayvariesdepending on the type of deposit. DEPOSITS AT AUTOMATED TELLER MACHINES Deposits may only be made at ATMs owned deposit and operated by Columbia Bank, and located at a Columbia Bank branch. All ATMs that we own or operate are identified as our machinesis explained below. If you make are unsure about when a particular deposit at an ATM before 4:00 PM on a business day we are open, we will consider that day to be the day of your deposit. If you make a deposit at an ATM after 4:00 PM on a business day we are open or at any time on a non-business day, we will consider that the deposit was made on the next business day we are open. Funds from deposits of all other items will be governed by the rules belowavailable for withdrawal, please ask us. AVAILABILITY OF DEPOSITS SAME DAY AVAILABILITY Same-Day Availability Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from cashIn general, checks drawn on Columbia Bank and funds from wire transfers received for $200 of a deposit at Columbia branches will be is available for withdrawal at Columbia branches on the business day we receive the deposit. NEXT DAY AVAILABILITY The following paragraphs describe deposits which receive next day availability. Certain circumstances may cause additional delays to the availability of these funds. Please refer to the section titled “Longer Delays May Apply.” Funds from in cash and checks drawn on Columbia Bank deposited prior to 4:00 PM on a business day at ATMs owned and operated by us will be available on the first (1st) business day after the day of your deposit. Next-Day Availability Funds from the following deposits are available on the first business day after the day of your deposit: • Traveler’s Checks • U. S. U.S. Treasury checks that are payable to you. 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: • New Jersey Cash • State and Local Government local government checks that are payable to you. you • Cashier’sCorporate, certified, and xxxxxx’s checks that are payable to you. you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service postal money orders, if these items are payable to you. OTHER CHECK DEPOSITS All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available you If A Deposit Is Made On A Monday $200 on you do not make your deposit in person to one of our employees (for example, if you mail the first business day after the day of your deposit. Tuesday Remaining ), funds from these deposits will be available on the second business day after the day of your deposit Wednesday Foreign Checks Upon Collection Upon Collection If you deposit from a combination of categories of checks, $200 from the checks will be available on the first business day after the day of your we receiveyour deposit, not $200 from each category of checks. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY: Longer Delays May Apply Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the fifth business day after the day of your deposit.:

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day day, except Saturdays, Sundays, and federal Federal holidays. If you make a deposit in person to a teller at a Columbia branch one of our branches before 5 PM Eastern Time, or before 6 PM Eastern Time for Deposit Express or mobile deposits, on a business day we are when Esquire Bank is open, we will consider that day to be the day of your deposit. However, if you make a deposit after these times 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 the delay varies depending on the type of deposit. DEPOSITS AT AUTOMATED TELLER MACHINES Deposits may only be made at ATMs owned deposit and operated by Columbia Bank, and located at a Columbia Bank branch. All ATMs that we own or operate are identified as our machines. If you make a deposit at an ATM before 4:00 PM on a business day we are open, we will consider that day to be the day of your deposit. If you make a deposit at an ATM after 4:00 PM on a business day we are open or at any time on a non-business day, we will consider that the deposit was made on the next business day we are open. Funds from deposits of all other items will be governed by the rules is explained below. AVAILABILITY OF DEPOSITS SAME DAY AVAILABILITY - Funds from electronic deposits such as direct deposits of payroll, electronic benefits or via “ACH” will be available on the business day we receive Esquire Bank receives the depositpayment. Funds from cash, checks drawn on Columbia Bank Cash deposits and funds from wire wires transfers received for deposit at Columbia branches will also be available for withdrawal at Columbia branches on the business day we receive Esquire Bank receives the depositfunds. NEXT DAY AVAILABILITY The - Established accounts are eligible for next business day availability for the following paragraphs describe deposits which receive next day availability. Certain circumstances may cause additional delays items: • US Treasury checks payable to the availability of these funds. Please refer to the section titled “Longer Delays May Apply.” Funds from cash and checks account holder • Checks drawn on Columbia Esquire Bank deposited prior to 4:00 PM on a business day at ATMs owned and operated by us will be available on the first business day after the day of your deposit. Funds from the following deposits are available on the first business day after the day of your deposit: • Traveler’s Checks • U. S. Treasury checks that are payable to you. • 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: • New Jersey State and Local Government checks that are payable to you. • Cashier’s, certified, and xxxxxx’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, checks and U.S. Postal Service postal money orders, if these items orders that are payable to you. OTHER CHECK DEPOSITS All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available the account holder • State or Local Government checks that are payable to the account holder • Travelers Checks that are payable to the account holder • Cashier’s, Certified, Tellers/Official Checks that are payable to the account holder If A Deposit Is Made On A Monday $200 on you do not make your deposit in person to one of our employees (for example, if you mail the first business day after the day of your deposit. Tuesday Remaining ), funds from these deposits will be available on the second business day after the day we receive your deposit. OTHER CHECKS - The first $200.00 of your deposit Wednesday Foreign Checks Upon Collection Upon Collection If you deposit from a combination day’s total deposits of categories of checks, $200 from the checks not mentioned above will be made available on the first next business day after the day of your deposit, not $200 . The remaining funds from each category of checks. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds such deposits will be available at the time funds from second business day after the check we cashed would have been available if you had deposited itday of deposit. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER ENTENDED DELAYS MAY APPLYAPPLY FOR THE FOLLOWING REASONS: Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe . • The bank believes a check you deposit deposited will not be paid. paid • You deposit deposited checks totaling more than $5,000 5,000.00 on any one day. day • You redeposit re-deposit a check that has been was returned unpaid. unpaid • You have overdrawn your account repeatedly in the last six months. past 6 months • There is an emergency, such as failure of communications or computer equipment. equipment We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the fifth seventh (7th) business day after the day of your deposit.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except SaturdaysSaturday, Sundays, Sunday and federal holidays. If Generally, if you make a deposit in person to a teller at a Columbia branch on a during normal business day hours that we are open, we will consider that day to 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 that we are open to be considered that day to be the day of your deposit. However, if you make a deposit after these times, 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 the delay varies depending on the type of depositdeposit as explained below. DEPOSITS AT AUTOMATED TELLER MACHINES Deposits may only be made at ATMs owned and operated by Columbia Bank, and located at a Columbia Bank branch. All ATMs that we own or operate are identified as our machines. If you make a deposit at an ATM before 4:00 PM on a business day we are open, we will consider that day to be the day of your deposit. If you make a deposit at an ATM after 4:00 PM on a business day we are open or at any time on a non-business day, we will consider that the deposit was made on the next business day we are open. Next Day Availability Funds from the following deposits of all other items will be governed by (deposited in person to a Proponent employee and into payee’s account) are available the rules below. AVAILABILITY OF DEPOSITS SAME DAY AVAILABILITY Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from cash, checks drawn on Columbia Bank and funds from wire transfers received for deposit at Columbia branches will be available for withdrawal at Columbia branches on the business day we receive the deposit. NEXT DAY AVAILABILITY The following paragraphs describe deposits which receive next day availability. Certain circumstances may cause additional delays to the availability of these funds. Please refer to the section titled “Longer Delays May Apply.” Funds from cash and checks drawn on Columbia Bank deposited prior to 4:00 PM on a business day at ATMs owned and operated by us will be available on the first 1st business day after the day of your deposit. Funds from the following deposits are available on the first business day after the day of your deposit: • Traveler’s Checks • U. S. > U.S. Treasury checks that are payable to you. • If you make the deposit in person to one of our employees> Automated Clearinghouse (ACH) and Wire transfers, funds from the following deposits are also including preauthorized credits, such as Social Security benefits and electronic payroll payments (ACH is available same day under NACHA rules). > Checks drawn on the first business day after the day of your deposit: • New Jersey State Proponent > Federal, state and Local Government local government checks that are payable to you. • Cashier’s> Cashiers’, certified, and xxxxxx’s tellers’ checks that are payable to you. • > Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money ordersMoney Orders, if these items are payable to you. OTHER CHECK DEPOSITS All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available 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 A Deposit Is Made On A Monday $200 the money order is not a U.S. Postal Service Money Order, then the funds will be available the second business day after the day of your deposit. Longer Delays May Apply In some cases, we will not make all of the funds you deposit available to you on the first business day after the day of your deposit. Tuesday Remaining Depending on the type of check that you deposit, funds on may not be available until the second business day after the day of your deposit Wednesday Foreign Checks Upon Collection Upon Collection If you deposit from a combination deposit. The first $225 of categories of checksthe aggregate deposits, $200 from the checks however, will be available on the first business day after the day of your deposit, not $200 from each category of checksday. If we cash a check for you that is drawn are not going to make all of the funds from your deposit available on another bankthe first business day, we may withhold will notify you at the availability of a corresponding amount of funds that are already in time you make your accountdeposit. Those We will also tell you when the funds will be available at 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 time premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the check we cashed would have been available if you had deposited itfunds will be available. If we accept for deposit a check that is drawn on another bankIn addition, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY: Funds you deposit by check may be delayed for a longer period under the following circumstances: > New Account (opened for 30 days or less) > We believe a check you deposit will not be paid. • ; > You deposit checks totaling more than $5,000 5,525 on any one day. • ; > You redeposit a check that has been returned unpaid. • ; > You have overdrawn your account repeatedly in the last six months. • ; and/or > There is an emergency, such as as, but not limited to, failure of computer or communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the fifth seventh business day after the day of your deposit.

Determining the Availability of a Deposit. The length of the any delay is counted in business days Business Days from the day of your deposit. Every day is a business day Business Day except Saturdays, Sundays, and federal holidays. If you make a deposit in person to a teller at a Columbia branch on a business day we Business Daywe are openopen by 3:00 PM Easternor any applicable later cutoff time described in the “Cutoff Times” subsection of this Agreement, we will generally consider that day Business Day to be the day of your deposit. However, if you make a deposit after 3:00 PM Eastern or any applicable later cutoff time described in the “Cutoff Times” subsection of this Agreement or on a day we are not open, we will generally consider that the deposit was made on the next business day Business Day we are open. The length of the delay varies depending on the type of deposit. DEPOSITS AT AUTOMATED TELLER MACHINES Deposits may only be made at ATMs owned deposit and operated by Columbia Bank, and located at a Columbia Bank branch. All ATMs that we own or operate are identified as our machines. If you make a deposit at an ATM before 4:00 PM on a business day we are open, we will consider that day to be the day of your deposit. If you make a deposit at an ATM after 4:00 PM on a business day we are open or at any time on a non-business day, we will consider that the deposit was made on the next business day we are open. Funds from deposits of all other items will be governed by the rules is explained below. AVAILABILITY OF DEPOSITS SAME DAY AVAILABILITY Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from cash, checks drawn on Columbia Bank and funds from wire transfers received for deposit at Columbia branches will be available for withdrawal at Columbia branches on the business day we receive the deposit. NEXT DAY AVAILABILITY The following paragraphs describe deposits which receive next day availability. Certain circumstances may cause additional delays to the availability of these funds. Please refer to the section titled “Longer Delays May Apply.” Funds from cash and checks drawn on Columbia Bank deposited prior to 4:00 PM on a business day at ATMs owned and operated by us will be available on the first business day after the day of your deposit. Same-Day Availability Funds from the following deposits are generallyavailable on the Business Day we receive the deposit: • Electronic Direct Deposits initiated by a third party (not by or through us) • EFT’s from another account of yours at American Express National Bank Next-Day Availability Funds from the following deposits are generally available on the first business day Business Day after the day of your deposit: • Traveler’s Checks • U. S. U.S. Treasury checks that are payable to you. your business • If you make Checks drawn on American Express National Bank • The first $225 of the deposit in person to one total of our employees, any check deposits not described above • Wire transfers Second Business Day Availability Any remaining funds from the following check deposits are also to your Account not otherwise described above will generallybe available on the first business day after the day of your deposit: • New Jersey State and Local Government checks that are payable to you. • Cashier’s, certified, and xxxxxx’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders, if these items are payable to you. OTHER CHECK DEPOSITS All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available If A Deposit Is Made On A Monday $200 on the first business day second Business Day after the day of your deposit. Tuesday Remaining funds on the second business day after the day of Fifth Business Day Availability Funds from electronic deposits to your deposit Wednesday Foreign Checks Upon Collection Upon Collection If you deposit from a combination of categories of checks, $200 from the checks will be available on the first business day after the day of your deposit, not $200 from each category of checks. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds Account that you have on deposit in another initiated through us from an external account with us. The funds in the other account would then not of your business will generally be available for withdrawal until on the time periods that are described elsewhere in this disclosure for fifth Business Day after the type of check that you depositedrelated electronic funds transfer is processed by us. LONGER DELAYS MAY APPLY: Longer Delays May Apply to Certain Check Deposits Funds you deposit deposited by check may be delayed for a longer period under any of the following circumstances: • We believe a check you deposit will not be paid. paid • You deposit checks totaling more than $5,000 on any one day. • You redeposit a check that Your Account has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. (6) months • There is an emergency, such as failure of computer or communications or computer equipmentequipment • You deposit checks totaling more than $5,525 on any one day (see Important- Notice of Hold for Large Check Deposits, below) • You redeposit a check that has been returned unpaid (see Important- Notice of Hold for Redeposited Checks, below) Except for your deposit of checks totaling more than $5,525 on any one day, if we delay the availability of funds deposited by check for any of the other reasons above, such funds will generally be available no later thanthe seventh Business Day after the day of your deposit. We will notify you if we delay your ability to withdraw funds for any of these the first three (3) reasons and we will tell you when the funds will be available. They will generally be available no later than the fifth business day after the day of your depositlisted above.