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 our deposit. For the purposes of this Section of this Agreement and Disclosure, every day is a business day except Saturdays, Sundays, and holidays. If youmake a depositbeforetheclose ofbusiness on a business day that we areopen, we willconsiderthat day to be the day ofyourdeposit.However, ifyoumake a depositaftertheclose ofbusiness oron a day we are notopen, we willconsiderthatthe depositwasmade on thenextbusinessday we areopen.Thelength of thedelayvariesdepending 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, $200 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 receiveyour deposit. Funds you deposit by check may be delayed for a longer period under the following circumstances:

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day date of our your deposit. For the purposes of this Section of this Agreement and Disclosure, every Every day is a business day except Saturdays, Sundays, and federal holidays. If youmake you make a depositbeforetheclose ofbusiness deposit before closing on a business day that we areopenare open, we willconsiderthat will consider that day to be the day ofyourdeposit.of your deposit. However, ifyoumake if you make a depositaftertheclose ofbusiness oron deposit after closing or on a day we are notopennot open, we willconsiderthatthe depositwasmade will consider that deposit made on thenextbusinessday the next business day we areopen.Thelength are open. The length of thedelayvariesdepending the delay varies depending on the type of deposit and is as explained below. If you are unsure about when a particular deposit will be available for withdrawal, please ask us. Funds from electronic direct the following deposits to your account will be are available on the day we receive the deposit: • Funds from electronic direct deposit • U.S. Treasury checks that are payable to you • Checks drawn on 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 U.S. Postal Money Orders if these items are payable to you. In general, $200 of a deposit is available for withdrawal in cash on the first (1st) business day after the day of deposit. • Payroll checks • Wire Transfer deposits Funds from the following deposits are available on the first business day after following the day of your deposit: • U.S. Treasury Cashiers, certified and tellers checks that are payable to you • Wire transfers • Checks $225 from other check deposits If we cash a check for you that is drawn on American First Credit Union If you make another bank, we may withhold the deposit availability of a corresponding amount of funds that are already in person to one of our employees, your account. These funds will be available at the time funds from the following deposits are also 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 first business day after 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 day of your deposit: • Cash • State and local government checks other account would then not be available for withdrawal until the time periods 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 described elsewhere in person to one this disclosure for the type 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 receiveyour depositcheck deposited. Funds you deposit by check may be delayed for a longer period under the following circumstances:: • We believe a check you deposit may not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last 6 months. • There is an emergency such as a failure of computer or communications equipment. We will notify you if we delay availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. Funds will generally be available no later than the 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. 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. 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 our your deposit. For the purposes of this Section of this Agreement and Disclosure, every Every day is a business day except Saturdays, Sundays, and federal holidays. If youmake you make a depositbeforetheclose ofbusiness deposit in person to a teller at a Columbia branch on a business day that we areopenare open, we willconsiderthat will consider that day to be the day ofyourdeposit.of your deposit. However, ifyoumake if you make a depositaftertheclose ofbusiness oron deposit on a day we are notopennot open, we willconsiderthatthe depositwasmade will consider that the deposit was made on thenextbusinessday the next business day we areopen.Thelength are open. The length of thedelayvariesdepending the delay varies depending on the type of deposit deposit. Deposits may only be made at ATMs owned and is explained belowoperated 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 unsure about when open, we will consider that day to be the day of your deposit. If you make a particular 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 available for withdrawal, please ask usgoverned by the rules below. AVAILABILITY OF DEPOSITS SAME DAY AVAILABILITY‌ Funds from electronic direct deposits to your account will be available on the day we receive the deposit. In generalFunds from cash, $200 of a checks drawn on Columbia Bank and funds from wire transfers received for deposit is at Columbia branches will be available for withdrawal in cash at Columbia branches on the business day we receive the deposit. Checks drawn on Columbia Bank and deposited at Columbia Bank ATMs will be available on the first (1st) business day after the day of your deposit. 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: • U.S. Traveler’s Checks • 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: • Cash • New Jersey State and local government Local Government checks that are payable to you you. • CorporateCashier’s, certified, and xxxxxx’s checks that are payable to you you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal U.S. Postal Service money orders, if these items are payable to you you. All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available If you do not make A Deposit Is Made On A Monday $200 on the business day of your deposit in person to one Monday $ 225 on the first business day after the day of our employees (for example, if you mail the your deposit), . Tuesday Remaining funds from these deposits will be available on the second business day after the day we receiveyour deposit. Funds of your deposit Wednesday Foreign Checks Upon Collection Upon Collection If you deposit by from a combination of categories of checks, $225 from the checks will be available on the first business day after the day of your deposit, not $225 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 delayed 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 longer period under check that is drawn on another bank, we may make funds from the following circumstances: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. • We believe a check you deposit will not be paid. • You deposit checks totaling more than $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. • 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 our your deposit. For the purposes of this Section of this Agreement and Disclosure, every Every day is a business day except Saturdays, Sundays, and federal holidays. If youmake you make a depositbeforetheclose ofbusiness deposit before closing on a business day that we areopenare open, we willconsiderthat will consider that day to be the day ofyourdeposit.of your deposit. However, ifyoumake if you make a depositaftertheclose ofbusiness oron deposit after closing or on a day we are notopennot open, we willconsiderthatthe depositwasmade will consider that deposit made on thenextbusinessday the next business day we areopen.Thelength are open. The length of thedelayvariesdepending the delay varies depending on the type of deposit and is as explained below. If you are unsure about when a particular deposit will be available for withdrawal, please ask us. Funds from electronic direct the following deposits to your account will be are available on the day we receive the deposit: • Funds from electronic direct deposit • U.S. Treasury checks that are payable to you • Checks drawn on 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 U.S. Postal Money Orders if these items are payable to you. In general, $200 of a deposit is available for withdrawal in cash on the first (1st) business day after the day of deposit. • Payroll checks • Wire Transfer deposits Funds from the following deposits are available on the first business day after following the day of your deposit: • U.S. Treasury Cashiers, certified and tellers 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 $200 from the following other check 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 Funds from these other check deposits will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on a Monday, $200 is available on Tuesday and the remaining $500 is available on Wednesday. If we receiveyour depositcash 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. 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 deposited. Funds you deposit by check may be delayed for a longer period under the following circumstances:: • We believe a check you deposit may 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 6 months. • There is an emergency such as a failure of computer or communications equipment. We will notify you if we delay availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. Funds will generally be available no later than the seventh 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 our your deposit. For the purposes of this Section of this Agreement and Disclosure, every Every day is a business day except Saturdays, Sundays, and federal holidays. If youmake you make a depositbeforetheclose ofbusiness deposit in person to a teller at a Columbia branch on a business day that we areopenare open, we willconsiderthat will consider that day to be the day ofyourdeposit.of your deposit. However, ifyoumake if you make a depositaftertheclose ofbusiness oron deposit on a day we are notopennot open, we willconsiderthatthe depositwasmade will consider that the deposit was made on thenextbusinessday the next business day we areopen.Thelength are open. The length of thedelayvariesdepending the delay varies depending on the type of deposit deposit. Deposits may only be made at ATMs owned and is explained belowoperated 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 unsure about when open, we will consider that day to be the day of your deposit. If you make a particular 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 available for withdrawal, please ask usgoverned by the rules below. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. In generalFunds from cash, $200 of a checks drawn on Columbia Bank and funds from wire transfers received for deposit is at Columbia branches will be available for withdrawal in at Columbia branches on the business day we receive the deposit. 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: • U.S. Traveler’s Checks • 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: • Cash • New Jersey State and local government Local Government checks that are payable to you you. • CorporateCashier’s, certified, and xxxxxx’s checks that are payable to you you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal U.S. Postal Service money orders, if these items are payable to you you. All Other Check Deposits Not Covered Above When Funds Are Available When Funds Are Available If you do not make A Deposit Is Made On A Monday $200 on the first business day after the day of your deposit in person to one of our employees (for example, if you mail the deposit), . Tuesday Remaining funds from these deposits will be available on the second business day after the day we receiveyour deposit. Funds of your deposit Wednesday Foreign Checks Upon Collection Upon Collection If you deposit by 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 delayed 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 longer period under check that is drawn on another bank, we may make funds from the following circumstances: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. 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 any delay is counted in business days Business Days from the day of our your deposit. For the purposes of this Section of this Agreement and Disclosure, every Every day is a business day Business Day except Saturdays, Sundays, and federal holidays. If youmake you make a depositbeforetheclose ofbusiness deposit on a business day that we areopenBusiness Daywe are open by 3:00 PM Easternor any applicable later cutoff time described in the “Cutoff Times” subsection of this Agreement, we willconsiderthat day will generally consider that Business Day to be the day ofyourdeposit.of your deposit. However, ifyoumake if you make a depositaftertheclose ofbusiness oron 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 notopennot open, we willconsiderthatthe depositwasmade will generally consider the deposit made on thenextbusinessday the next Business Day we areopen.Thelength are open. The length of thedelayvariesdepending 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, $200 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 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 Funds from the following deposits are generally available on the first business day Business Day after the day of your deposit: • U.S. Treasury checks that are payable to you • Wire transfers your business • Checks drawn on American First Credit Union If you make 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 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 second Business Day after the day of your deposit: • Cash • State and local government checks . Funds from electronic deposits to your Account 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 have initiated through us from an external account of your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits business will generally be available for withdrawal on the second business day fifth Business Day after the day we receiveyour depositrelated electronic funds transfer is processed by us. 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 • Your Account has been overdrawn repeatedly in the last six (6) months • There is an emergency, such as failure of computer or communications equipment • 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 the first three (3) reasons listed above.