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that even after we have made the funds from checks and other items you have deposited available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account.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. 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we have made the make funds from checks and other items you have deposited your deposits available to you and you have withdrawn the funds, you are still responsible for deposited checks and other items that are returned to us unpaid and for any other problems involving your account.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 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. 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 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. “COLLECTED” FUNDS AVAILABILITY FOR BUSINESS ACCOUNTS 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 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. 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 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. “COLLECTED” FUNDS AVAILABILITY FOR BUSINESS ACCOUNTS 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 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. 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 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 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.