Common use of Funds Availability Disclosure Clause in Contracts

Funds Availability Disclosure. The following states our policy regarding the length of time we may require you to wait before we permit you to withdraw the amount of checks, cash or wire transfers deposited into your account. Please remember that even after we have made the funds from checks and other items you have deposited available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.

Funds Availability Disclosure. This disclosure describes your ability to withdraw funds at Journey Federal Credit Union. It only applies to the availability of funds in transaction accounts. At the current time, the only accounts at Journey Federal Credit Union that are transaction accounts are Checking Accounts. The following states Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. In general, our policy regarding the length of time we may require you is to wait before we permit you to withdraw the amount of checks, cash or wire transfers deposited into your account. Please remember that even after we have made the make funds from checks and other items you have deposited your deposits, including electronic deposits, made to your transaction accounts available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on At that time, you can withdraw the day we receive the deposit. In some casesfunds in cash, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, and we will consider use the funds to pay checks that day to be the day you have written and pay other transactions (such as point-of your deposit. If your deposit is made after 3:00 p.m. on a day sale debit transactions and automated clearinghouse transactions) that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was madeyou have authorized. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Federal Holidays, and federal Credit Union- observed holidays. If you make a deposit to one of our employees before our branch closes 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 after the branch closes, or through a channel other than to one of our employees, or on a day we are not open or that is not a business day, 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 and is explained below. In some cases, we will not make all of the funds that you deposit by check available to you on the day we receive your deposit. Depending on the type of check you deposit, funds may not be available until the second business after the day of your deposit. The first $225 of your deposits, however, may be available on the same day as the day of your deposit. If we are not going to make all of the funds from your deposit available on the day we receive your deposit, 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 after we receive your deposit. If you 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 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 computer or communications equipment. 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 in a manner consistent with the “Longer Delays May Apply” portion of this Disclosure. 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 in a manner consistent with the “Longer Delays May Apply” portion of this Disclosure. The funds in the other account would then not be available for withdrawal until the end of the time period that is described in this portion of the disclosure for the type of check that you deposited. 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 ninth business day after the day of your deposit.

Funds Availability Disclosure. This disclosure describes your ability to withdraw funds at Journey Federal Credit Union. It only applies to the availability of funds in transaction accounts. At the current time, the only accounts at Journey Federal Credit Union that are transaction accounts are Checking Accounts. The following states Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. In general, our policy regarding the length of time we may require you is to wait before we permit you to withdraw the amount of checks, cash or wire transfers deposited into your account. Please remember that even after we have made the make funds from checks and other items you have deposited your deposits, including electronic deposits, made to your transaction accounts available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on At that time, you can withdraw the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, in cash and we will consider use the funds to pay checks that day to be the day you have written and pay other transactions (such as point-of your deposit. If your deposit is made after 3:00 p.m. on a day sale debit transactions and automated clearinghouse transactions) that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was madeyou have authorized. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Federal Holidays, and federal Credit Union- observed holidays. If you make a deposit to one of our employees before our branch closes 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 after the branch closes, or through a channel other than to one of our employees, or on a day we are not open or that is not a business day, 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 and is explained below. In some cases, we will not make all of the funds that you deposit by check available to you on the day we receive your deposit. Depending on the type of check you deposit, funds may not be available until the second business after the day of your deposit. The first $225 of your deposits, however, may be available on the same day as the day of your deposit. If we are not going to make all of the funds from your deposit available on the day we receive your deposit, 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 after we receive your deposit. If you 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 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 computer or communications equipment. 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 in a manner consistent with the “Longer Delays May Apply” portion of this Disclosure. 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 in a manner consistent with the “Longer Delays May Apply” portion of this Disclosure. The funds in the other account would then not be available for withdrawal until the end of the time period that is described in this portion of the disclosure for the type of check that you deposited. 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 ninth business day after the day of your deposit.

Funds Availability Disclosure. The following states In general, our policy regarding the length of time we may require you is to wait before we permit you to withdraw the amount of checks, cash or wire transfers deposited into your account. Please remember that even after we have made the make funds from checks your cash and other items you have deposited check deposits available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first (1st) business day after the day we receive your deposit. Funds from electronic Electronic direct deposits, wire transfers received by 5:00 p.m. and cash deposits made in person with a bank teller will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on There may be circumstances when we need to impose a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; longer availability period and we will consider provide you notice. Once the next business day funds are available, you can withdraw them in cash and we are open as will use the day the deposit was madefunds to pay checks that you have written and other debits that you have authorized. For determining To determine the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit with a bank teller on business days that we are open, we will consider that 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. For deposits made through your mobile device prior to 7:00 p.m. Eastern time on a business day we are open, we will consider that day to be the day of deposit. However, if you make the deposit through your mobile device after 7:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day. For deposits made at PCSB Bank ATMs, the earliest cutoff time that may apply is 3:00 p.m. We will not accept cash deposits by mail. Check deposits made by mail should be addressed to: PCSB Bank Attn: Mail Deposits 0000 Xxxxxx Xxxx. P.O. Box 712 Yorktown Heights, NY 10598 Check deposits that are mailed to us are considered deposited on the business day we receive them. Deposits placed in a night depository are considered received when we remove them from the night depository. We will remove deposits no later than the next business day. Funds from the following deposits are available on the same day they are deposited: • Electronic direct deposits; • Wire transfers received prior to 5:00 p.m.; • Checks drawn on this institution (unless funds are not available in the Account on which the check is drawn; or if the check is drawn on a PCSB Bank customer’s controlled disbursement account); and • Cash deposits made at a teller window. If you do not make your deposit in person to one of our tellers (for example, if you mail the deposit), funds from these deposits will be available on the first (1st) business day after the day of your deposit. Funds you deposit by check may be delayed for a longer period under the following circumstances: • You deposit checks totaling more than $5,525.00 on any one (1) day. • We believe a check you deposit will not be paid. • You redeposit a check that has been returned unpaid. • You have overdrawn your Account repeatedly in the last six (6) months as described below: 1. On six or more banking days within the preceding six months, the account balance is negative, or the account balance would have become negative if checks or other charges to the account had been paid; or 2. On two or more banking days within the preceding six months, the account balance is negative, or the account balance would have become negative, in the amount of $5,525 or more, if checks or other charges to the account had been paid. • 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 (5th) business day after the day of your deposit. If the decision to delay availability is not made at the time you make the deposit, we will mail you a notice by the first (1st) business day after we receive your deposit. The notice will tell you when the funds will be available.

Funds Availability Disclosure. The following states In general, our policy regarding the length of time we may require you is to wait before we permit you to withdraw the amount of checks, cash or wire transfers deposited into your account. Please remember that even after we have made the make funds from checks your cash and other items you have deposited check deposits available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first (1st) business day after the day we receive your deposit. Funds from electronic Electronic direct deposits, wire transfers received by 5:00 p.m., and cash deposits made in person with a bank teller will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on There may be circumstances when we need to impose a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; longer availability period and we will consider provide you notice. Once the next business day funds are available, you can withdraw them in cash and we are open as will use the day the deposit was madefunds to pay checks that you have written and other debits that you have authorized. For determining To determine the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit with a bank teller on business days that we are open, we will consider that 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. For deposits made through your mobile device prior to 7:00 p.m. Eastern Time on a business day we are open, we will consider that day to be the day of deposit. However, if you make the deposit through your mobile device after 7:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day. For deposits made at PCSB Bank ATMs, the earliest cutoff time that may apply is 12:00 noon. If you mail funds to us, the funds are considered deposited on the business day we receive them. Funds deposited in a night depository or lockbox are considered deposited on the next business day the night depository or lockbox is open. Funds from the following deposits are available on the same day they are deposited: • Funds received for deposit by an electronic payment (including ACH credits and transfers); • Wire transfers received prior to 5:00 p.m.; • Checks drawn on this institution (unless funds are not available in the Account on which the check is drawn; or if the check is drawn on a PCSB Bank customer’s controlled disbursement Account). • Cash deposits made at a teller window. If you do not make your deposit in person to one of our tellers (for example, if you mail the deposit), funds from these deposits will be available on the first (1st) business day after the day of your deposit. Funds you deposit by check may be delayed for a longer period under the following circumstances: • You deposit checks totaling more than $5,525 on any one (1) day. • We believe a check you deposit will not be paid. • 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, 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 (5th) business day after the day of your deposit. If the decision to delay availability is not made at the time you make the deposit, we will mail you a notice by the first (1st) business day after we receive your deposit. The notice will tell you when the funds will be available.

Funds Availability Disclosure. The following states our Our policy regarding is to make funds from your deposits available to you on the length of time day we may require receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you to wait before we permit you to can withdraw the amount funds in cash and we will use the funds to pay checks that you have written. This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts which permit an unlimited number of checks, cash or wire payments to third persons and an unlimited number of telephone and preauthorized transfers deposited into to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your accountother accounts might also be under this policy. Please remember that even after we have made the funds from checks and other items you have deposited available to you you, and you have withdrawn the funds, you are still responsible for deposited checks and other items you deposit that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit during daily office hours 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 after the office is closed or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit through the Night Depository after 8:00 a.m. on a business day that we are open, or on a day when we are not open, we will consider the deposit made on the next business day that we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day after we receive your deposit. If we are not going to make all of the funds from your deposit available on the day we receive your deposit, 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 associates, or if we decide to take this action after you have left the office, we will mail you a notice of this action by the next business day after we receive your deposit. If you will need the funds from a deposit right away, ask us when the funds will be available. Funds you deposit by check may be delayed for a longer period under the following circumstances: • The account is a new account. • We believe a check you deposited 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 seventh business day after the day of your deposit. When you deposit a non-Pinnacle check into your account, the Bank must collect the funds from the “paying bank”. The check is sent to the Federal Reserve Bank (or another clearing bank) and the Bank receives provisional credit (pending final payment by the paying bank). The check is then presented to the paying bank. Once the presentment process is completed, the funds are deemed “collected.” Use of these funds prior to this time is considered “drawing against uncollected funds.” A charge may be assessed to your account if you draw against uncollected funds. Non-Pinnacle checks that are deposited will be considered collected on the next business day after the day of deposit. Only collected funds can be used for wire transfers or commercial sweeps.

Funds Availability Disclosure. The following states our Your Ability to Withdraw Funds at Peoples State Bank. Our policy regarding the length of time we may require you is to wait before we permit you to withdraw the amount of checks, cash or wire transfers deposited into your account. Please remember that even after we have made the make funds from checks and other items you have deposited your deposits available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic Electronic direct deposits will be available on the day we receive the deposit. In some casesOnce the funds are available, we may delay your ability to you can withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, them in cash and/or we will consider use them to pay checks that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was madeyou have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit 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 the deposit to be made on the next business day we are open. 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 we receive your deposit. In most cases, and except as otherwise provided herein, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposit, however, may be available on the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business day after the day we receive your deposit, 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 business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds would be available. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for the following reasons: • You deposit checks totaling more than $5,000 on any one day; • You deposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; • We believe a check you deposited will not be paid; • There is an emergency, such as failure of computer or communications equipment; and • You deposit a check into a new account. 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. Except as provided in the “Special Rules for New Accounts”, your funds will generally be available no later than the seventh business day after the day of your deposit. If we cash a check for you that is drawn on another financial institution, 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 financial institution, we may make funds 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 Agreement for the type of check that you deposited. If you are a new customer the following special rules will apply during the first 30 days you account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit. Funds from deposits of checks drawn on PEOPLES STATE BANK will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available not later than the 9th business day after the day of your deposit.

Funds Availability Disclosure. The following states our (a) Your Ability to Withdraw Funds. Our policy regarding is to delay the length availability of time we funds from your cash and check deposits. During the delay, you may require you to wait before we permit you to not withdraw the amount of checks, funds in cash or wire transfers deposited into your accountand we will not use the funds to pay checks that you have written. Please remember that even after we have made the funds from checks and other items you have deposited available to you you, and you have withdrawn the funds, you are still responsible for deposited checks and other items you deposit that are returned to us unpaid and for any other problems involving your accountdeposit. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can The length of the delay availability of funds is counted in business days from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive of your deposit. Funds from electronic deposits will be available on the Every day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh is a business day after except Saturdays, Sundays, Federal holidays and other days as may be designated in advance by the day of depositCredit Union. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If The length of the delay varies depending on the type of deposit and is explained below. Funds from electronic direct deposits to your deposit account and cash deposits will be available on the day we receive the deposit. Funds from the following deposits are available on the first business day after the day of your deposit: Treasury checks that are payable to you. Wire transfers. State and local government checks that are payable to you, if the check is issued by a state, or by a local government within a state, in which we are located. Cashier’s, certified, and xxxxxx’s checks that are payable to you. Postal Service Money Orders 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. Checks issued by New York Methodist Hospital. The following funds will be made available on the second business day after 3:00 p.m. the banking day on which they were deposited: a) Any check drawn on the United States Treasury or any U.S. Postal Service money order that is not eligible for next-day availability; and b) Any check drawn on the Federal Reserve Bank or Federal Home Loan Bank; any check drawn on a day state or local government; and any cashier’s certified or teller’s check if any of the checks referred to in this subparagraph (c) are local checks that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider eligible for next-day availability. The delay for other check deposits depends on whether the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day check is a business day, except Saturdays, Sundays, and federal holidayslocal or a non-local check.

Funds Availability Disclosure. The following states our Our policy regarding is to make funds from your deposits of cash, checks and electronic direct deposits available to you on the length of time same business day as the day we may require receive your deposit. Once they are available, you to wait before we permit you to can withdraw the funds in cash and we will use the funds to pay checks you have written. Certain exceptions to our funds availability policy are described below. Determining the Availability of a Deposit Business Day. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. Cut-Off Time. Generally, if you make a deposit on a business day we are open with one of our bankers before the close of the banking center, or at one of our ATMs before 1:00 p.m., or at one of our night depository facilities before 8:00 a.m., we will consider that day to be the day we receive the deposit (the day of deposit). Otherwise, we will consider the deposit to be made on the next business day we are open. However, some of our ATMs may offer different cut-off times. Please check for specific times that are displayed on ATM message screens. Delayed Funds Availability for Outgoing Wire Transfers and the Purchase of Cashier’s or Other Official Checks. Funds from deposited checks processed through the Federal Reserve System will be available for outgoing wire transfers and the purchase of cashier’s or other official checks no later than the second business day after the day of deposit. Longer Delays May Apply. Case-by-Case Delays. In some cases, we will not make all of the funds that you deposit by check available to you as provided above. Depending on the type and/or dollar amount of checksthe check that you deposit, cash or wire transfers deposited into funds may not be available until the second business day after the day of deposit. However, the first two hundred twenty-five dollars and no cents ($225.00) of your accountdeposits will generally be made available on the same business day as the day of deposit. Please remember that even after If you make a deposit directly to one of our employees and we have made are not going to make all of the funds from checks and other items you have deposited your deposit available to you and you have withdrawn on the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you same business day as the day of deposit, we can delay availability 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 funds from any account our employees, or if we decide to take this action after you have with us to left the same extent premises, we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow will mail you to withdraw funds deposited into your account on a notice no later than the first close of the business day after the day we receive your depositthe deposit or we decide to place the hold. Funds Government Checks, Cashier’s Checks, and Other Types of Special Checks. Unless we notify you of a delay, our policy is to make funds from electronic deposits will be these checks available as follows. Our policy is to make funds from U.S. Treasury checks that are payable to you available on the same business day we receive as the day of deposit. If you make a deposit in person to one of our employees into an account held by you, our policy is to make funds from the following types of deposits available on the same business day as the day of deposit: ● State and local government checks that are payable to you and are deposited in an account in the same jurisdiction that issued the check; ● Cashier’s, certified, and xxxxxx’s checks that are payable to you; and ● Federal Reserve Checks, Federal Home Loan Checks, and U.S. Postal Money Orders that are payable to you. Safeguard Exceptions. In some casesaddition, funds you deposit by check (including those mentioned above) may be delayed for a longer period of time under the following circumstances: ● We believe a check you deposited will not be paid. All funds held – we may do not make the first two hundred twenty-five dollars and no cents ($225.00) available. ● You deposit one (1) or more checks totaling more than five thousand five hundred twenty-five dollars and no cents ($5,525.00) on any one (1) day. ● You redeposit a check that has been previously returned unpaid. All funds held – we do not make the first two hundred twenty-five dollars and no cents ($225.00) available. ● You have overdrawn your account repeatedly in the last six (6) months. All funds held – we do not make the first two hundred twenty-five dollars and no cents ($225.00) available. ● There is an emergency, such as a failure of communications or computer equipment. All funds held – we do not make the first two hundred twenty-five dollars and no cents ($225.00) available. We will notify you if we delay your ability to withdraw funds beyond for any of these reasons, and we will tell you when the first business dayfunds will be available. Then, funds They will generally be available no later than the seventh business day after the day of deposit. Special Rules for New Accounts. If you make are a deposit before 3:00 p.m. new customer, the following special rules will apply during the first thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on a the same business day that we are openreceive the deposit. Funds from deposits of cash, we wire transfers, and the first five thousand five hundred twenty-five dollars and no cents ($5,525.00) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and federal, state and local government checks made payable to you will consider that be available on the same business day to be as the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or The excess over five thousand five hundred twenty-five dollars and no cents ($5,525.00) will be available no later than the following ninth business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as after the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysdeposit.

Funds Availability Disclosure. The following states our Our policy regarding is to make funds from your deposits available to you on the length of time day we may require receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you to wait before we permit you to can withdraw the amount funds in cash and we will use the funds to pay checks that you have written. This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts which permit an unlimited number of checks, cash or wire payments to third persons and an unlimited number of telephone and preauthorized transfers deposited into to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your accountother accounts might also be under this policy. Please remember that even after we have made the funds from checks and other items you have deposited available to you you, and you have withdrawn the funds, you are still responsible for deposited checks and other items you deposit that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit during daily office hours 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 after the office is closed or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit through the Night Depository after 8:00 a.m. on a business day that we are open, or on a day when we are not open, we will consider the deposit made on the next business day that we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day after we receive your deposit. If we are not going to make all of the funds from your deposit available on the day we receive your deposit, 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 associates, or if we decide to take this action after you have left the office, we will mail you a notice of this action by the next business day after we receive your deposit. If you will need the funds from a deposit right away, ask us when the funds will be available. Funds you deposit by check may be delayed for a longer period under the following circumstances: • The account is a new account. • We believe a check you deposited 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 seventh business day after the day of your deposit.

Funds Availability Disclosure. The following states our Our policy regarding is to make funds from your deposits of cash, checks and electronic direct deposits available to you on the length of time same business day as the day we may require receive your deposit. Once they are available, you to wait before we permit you to can withdraw the funds in cash and we will use the funds to pay checks you have written. Certain exceptions to our funds availability policy are described below. Determining the Availability of a Deposit Business Day. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. Cut-Off Time. Generally, if you make a deposit on a business day we are open with one of our bankers before the close of the banking center, or at one of our ATMs before 1:00 p.m., or at one of our night depository facilities before 8:00 a.m., we will consider that day to be the day we receive the deposit (the day of deposit). Otherwise, we will consider the deposit to be made on the next business day we are open. However, some of our ATMs may offer different cut-off times. Please check for specific times that are displayed on ATM message screens. Delayed Funds Availability for Outgoing Wire Transfers and the Purchase of Cashier’s or Other Official Checks. Funds from deposited checks processed through the Federal Reserve System will be available for outgoing wire transfers and the purchase of cashier’s or other official checks no later than the second business day after the day of deposit. Longer Delays May Apply. Case-by-Case Delays. In some cases, we will not make all of the funds that you deposit by check available to you as provided above. Depending on the type and/or dollar amount of checksthe check that you deposit, cash or wire transfers deposited into funds may not be available until the second business day after the day of deposit. However, the first two hundred twenty-five dollars and no cents ($225.00) of your accountdeposits will generally be made available on the same business day as the day of deposit. Please remember that even after If you make a deposit directly to one of our employees and we have made are not going to make all of the funds from checks and other items you have deposited your deposit available to you and you have withdrawn on the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you same business day as the day of deposit, we can delay availability 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 funds from any account our employees, or if we decide to take this action after you have with us to left the same extent premises, we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow will mail you to withdraw funds deposited into your account on a notice no later than the first close of the business day after the day we receive your depositthe deposit or we decide to place the hold. Funds Government Checks, Cashier’s Checks, and Other Types of Special Checks. Unless we notify you of a delay, our policy is to make funds from electronic deposits will be these checks available as follows. Our policy is to make funds from U.S. Treasury checks that are payable to you available on the same business day we receive as the day of deposit. If you make a deposit in person to one of our employees into an account held by you, our policy is to make funds from the following types of deposits available on the same business day as the day of deposit: ● State and local government checks that are payable to you and are deposited in an account in the same jurisdiction that issued the check; ● Cashier’s, certified, and xxxxxx’s checks that are payable to you; and ● Federal Reserve Checks, Federal Home Loan Checks, and U.S. Postal Money Orders that are payable to you. Safeguard Exceptions. In some casesaddition, funds you deposit by check (including those mentioned above) may be delayed for a longer period of time under the following circumstances: ● We believe a check you deposited will not be paid. All funds held – we may do not make the first two hundred twenty-five dollars and no cents ($225.00) available. ● You deposit one (1) or more checks totaling more than five thousand five hundred twenty-five dollars and no cents ($5,525.00) on any one (1) day. ● You redeposit a check that has been previously returned unpaid. All funds held – we do not make the first two hundred twenty-five dollars and no cents ($225.00) available. ● You have overdrawn your account repeatedly in the last six (6) months. All funds held – we do not make the first two hundred twenty-five dollars and no cents ($225.00) available. ● There is an emergency, such as a failure of communications or computer equipment. All funds held – we do not make the first two hundred twenty-five dollars and no cents ($225.00) available. We will notify you if we delay your ability to withdraw funds beyond for any of these reasons, and we will tell you when the first business dayfunds will be available. Then, funds They will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.

Funds Availability Disclosure. The following states our This policy regarding statement applies to all deposit accounts. Our policy is to make funds from your cash and check deposits available to you on the length of time first business day after the day we may require receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you to wait before we permit you to can withdraw the amount of checks, funds in cash or wire transfers deposited into your accountand we will use the funds to pay checks that you have written. Please remember that even after we have made the funds from checks and other items you have deposited available to you you, and you have withdrawn the funds, you are still responsible for deposited checks and other items you deposit that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 P.M. CST 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 2:00 P.M. CST or on a day we are not open, we will consider the deposit was made on the next business day we are open. 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 In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business 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 after we receive your deposit. If you 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 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 a failure of computer or communications 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 seventh business day after the day of your deposit.

Funds Availability Disclosure. The following states our Our policy regarding the length of time we may require you is to wait before we permit you to withdraw the amount of checks, cash or wire transfers deposited into your account. Please remember that even after we have made the make funds from your deposits of cash and checks and other items you have deposited presented through normal check collection channels available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after as the day we receive your deposit. Funds from electronic Electronic direct deposits will be available on the same business day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks you have written. Certain exceptions to our funds availability policy are described below. Business Day. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. Cut-Off Time. Generally, if you make a deposit on a business day we are open, we will consider that day to be the day we receive the deposit (the day of deposit). Otherwise, we will consider the deposit to be made on the next business day we are open. Delayed Funds Availability for Outgoing Wire Transfers and the Purchase of Cashier’s or Other Official Checks. Funds from deposited checks processed through the Federal Reserve System will be available for outgoing wire transfers and the purchase of cashier’s or other official checks no later than the second business day after the day of deposit. Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day as the day of deposit. Depending on the type and/or dollar amount of the check that you deposit, funds may not be available until the second business day after the day of deposit. However, the first two hundred dollars and no cents ($200.00) of your deposits will generally be made available on the same business day as the day of deposit. If we are not going to make all of the funds from your deposit available to you on the same business day as the day of deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If we decide to place the hold, we will mail you a notice no later than the close of the business day after the day we receive the deposit. In some casesaddition, funds you deposit by check (including those mentioned above) may be delayed for a longer period of time under the following circumstances: ● We believe a check you deposited will not be paid. All funds held – we may do not make the first two hundred dollars and no cents ($200.00) available. ● You deposit one (1) or more checks totaling more than five thousand dollars and no cents ($5,000.00) on any one (1) day. ● You redeposit a check that has been previously returned unpaid. All funds held – we do not make the first two hundred dollars and no cents ($200.00) available. ● You have overdrawn your account repeatedly in the last six (6) months. All funds held – we do not make the first two hundred dollars and no cents ($200.00) available. ● There is an emergency, such as a failure of communications or computer equipment. All funds held – we do not make the first two hundred dollars and no cents ($200.00) available. We will notify you if we delay your ability to withdraw funds beyond for any of these reasons, and we will tell you when the first business dayfunds will be available. Then, funds They will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays.

Funds Availability Disclosure. The following states our Our policy regarding is to make funds from your deposits available to you on the length of time day we may require receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you to wait before we permit you to can withdraw the amount funds in cash and we will use the funds to pay checks that you have written. This policy statement applies to "transaction" accounts. Transaction accounts, in general, are accounts which permit an unlimited number of checks, cash or wire payments to third persons and an unlimited number of telephone and preauthorized transfers deposited into to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your accountother accounts might also be under this policy. Please remember that even after we have made the funds from checks and other items you have deposited available to you you, and you have withdrawn the funds, you are still responsible for deposited checks and other items you deposit that are returned to us unpaid and for any other problems involving your account. If we cash a check for you drawn on another bank or give you immediate credit for a check you deposit, we can delay availability of funds from any account you have with us to the same extent we would be permitted to do so under this policy. FUNDS AVAILABILITY POLICY: Plumas Bank’s general policy is to allow you to withdraw funds deposited into your account on the first business day after the day we receive your deposit. Funds from electronic deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, funds will generally be available no later than the seventh business day after the day of deposit. If you make a deposit before 3:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If your deposit is made after 3:00 p.m. on a day that we are open, we may consider that day or the following business day to bethe day the deposit was made. All deposits made on a day we are not open; we will consider the next business day we are open as the day the deposit was made. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit during daily office hours 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 after the office is closed or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit through the Night Depository after 8:00 a.m. on a business day that we are open, or on a day when we are not open, we will consider the deposit made on the next business day that we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day after we receive your deposit. If we are not going to make all of the funds from your deposit available on the day we receive your deposit, 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 associates, or if we decide to take this action after you have left the office, we will mail you a notice of this action by the next business day after we receive your deposit. If you will need the funds from a deposit right away, ask us when the funds will be available. Funds you deposit by check may be delayed for a longer period under the following circumstances: • The account is a new account. • We believe a check you deposited 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 seventh business day after the day of your deposit. When you deposit a non-Pinnacle check into your account, the Bank must collect the funds from the “paying bank”. The check is sent to the Federal Reserve Bank (or another clearing bank) and the Bank receives provisional credit (pending final payment by the paying bank). The check is then presented to the paying bank. Once the presentment process is completed, the funds are deemed “collected.” Use of these funds prior to this time is considered “drawing against uncollected funds.” A charge may be assessed to your account if you draw against uncollected funds. Non-Pinnacle checks that are deposited will be considered collected on the next business day after the day of deposit. Only collected funds can be used for wire transfers or commercial sweeps.