Common use of FUNDS AVAILABILITY POLICY DISCLOSURE Clause in Contracts

FUNDS AVAILABILITY POLICY DISCLOSURE. This disclosure describes your ability to withdraw funds at Texas Tech Federal Credit Union. It only applies to the availability of funds in transaction accounts. The 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. Our policy is to make funds from your cash deposits available to you immediately and make funds from your check deposits available to you within two business days after we receive your deposit. Electronic direct deposits will be available on the 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 that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locations. The earliest cut-off time that might apply is 4:00 p.m. If you make a deposit before our cut-off hour 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 our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cut-off hours are available at the credit union. In some cases, we will not make all of the funds that you deposit by check available to you on the second business day after we receive your deposit. The first $225.00 of your deposit will be available on the first business day after the day of your deposit. We will notify you at the time you make your deposit of any holds. 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 next business 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.

FUNDS AVAILABILITY POLICY DISCLOSURE. This disclosure Disclosure describes your ability to withdraw funds at Texas Tech Federal Meadowland Credit Union. It only applies to the availability of funds in transaction accounts. The credit union 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. Our policy • When a deposit is made to make your account, the funds from your cash deposits available to you immediately and make funds from your check deposits available to you within two business days after we receive your deposit. Electronic direct deposits will may not be available immediately. For example, if you deposit a check on the day we receive the deposit. Once they are availableMonday, you can may not be able to withdraw the funds in cash from that check, and we will use may not pay another check with those funds, until Tuesday. • When a deposit is made by electronic deposit, wire transfer or cash, the deposited funds to pay checks that you have writtenare available the same business day. For determining • When a deposit is made by check, the availability of your deposits, every deposited funds may be available the next business day. • A business day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locations. The earliest cut-off time that might apply is 4:00 p.m. If you make a deposit before our cut-off hour on a business day that we are open, we will consider that day to be the any day of your depositthe week except Saturday, Sunday and Federal Holidays. HoweverA deposit made before 5:30 PM is considered deposited that day. A deposit made after that time, if you make a deposit after our cut-off hour or on a day we are not open, we will consider that the deposit was made on closed is considered deposited the next business day day. • We may cash a check or make a deposit available immediately if you have the funds to cover that check in any of your accounts with us. If we are opendo, we may hold those funds (equal to the amount of the check) in your other account(s) according to the timelines described elsewhere in this policy. Our cut-off hours are available at If you withdraw the credit unionfunds from a check deposit, and the check is later returned unpaid, we may charge the check back to your account. In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the second business day after we receive your type of check that you deposit. The first $225.00 of your deposit will , funds may not be available on until the first seventh business day after the day of your the deposit. We However, the first $225.00 of your deposits will be available the next business day. If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit of any holdsdeposit. 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 next business 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: ▪ You are depositing to a new account; ▪ We believe a check you deposit will not be paid; ▪ You deposit checks totaling more than $5,525.00 on any one day; ▪ You redeposit a check that has been returned unpaid; ▪ You have overdrawn your account repeatedly in the last 6 months; or ▪ There is an emergency, such as a failure of communication 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 POLICY DISCLOSURE. This disclosure The following information describes your ability to withdraw funds at Texas Tech OU Federal Credit Union's policy of making funds deposited in a Share Draft Account (also known as a "transaction account") available for withdrawal on the same day of the deposit. It This is what is called a Funds Availability Policy. Generally, transaction accounts are accounts which would permit an unlimited number of payments by check or other order to third persons, and also an unlimited number of telephone and preauthorized transfers to third persons, or other accounts the organization may have with us. This Disclosure only applies to the availability of funds in transaction accounts. The credit union 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 Nonetheless, if you have a question about which accounts are affected by this policy. Our policy all of the deposit is to make funds from your cash deposits available to you immediately and make funds from your check deposits available to you within two business days after we receive your deposit. Electronic direct deposits will be not made available on the same business day we receive of the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locations. The earliest cut-off time that might apply is 4:00 p.m. If you make a deposit before our cut-off hour 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 our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cut-off hours are available at the credit union. In some cases, we will not make all of the funds that you deposit by check available to you on the second business day after we receive your deposit. The first $225.00 of your the deposit will be available on the first business day after the day of your the deposit. We If we are not going to make all of the funds from the deposit available on the same business day, we will notify you at the time you make your the deposit of any holdsis made. We will also tell let you know when the funds will be available. If your the 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 next business day after we receive your depositthe deposit to the statement address. If you will need the funds from a deposit right away, you should ask us when the funds will be available. During any delay, you may not withdraw the funds in cash and OU Federal Credit Union will not use the funds to pay checks that present for payment. The length of delay is counted in business days from the day of the deposit, including every day except Saturdays, Sundays, and Federal Holidays. A deposit is considered received when it is accepted at one of our branch offices with all appropriate endorsements. A deposit accepted while our data processing system is not online will be considered received when the transaction is posted in the OU Federal Credit Union records.  We believe a check deposited will not be paid.  Deposited checks total more than $5,525 on any one day.  We redeposit a check that has been returned unpaid.  The account has been overdrawn repeatedly in the last six months.  There is an emergency, such as failure of computer or communications equipment.  The deposits are drawn on foreign financial institutions or foreign entities. We will notify you if we delay the 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 the deposit, unless the deposits are drawn on foreign financial institutions or foreign entities, which are exempt from the policies outlined in this disclosure. We reserve the right to refuse any item for deposit.

FUNDS AVAILABILITY POLICY DISCLOSURE. This disclosure The following information describes your ability to withdraw funds at Texas Tech OU Federal Credit Union's policy of making funds deposited in a Share Draft Account (also known as a "transaction account") available for withdrawal on the same day of the deposit. It This is what is called a Funds Availability Policy. Generally, transaction accounts are accounts which would permit an unlimited number of payments by check or other order to third persons, and also an unlimited number of telephone and preauthorized transfers to third persons, or other accounts the organization may have with us. This Disclosure only applies to the availability of funds in transaction accounts. The credit union 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. Our policy is to make funds from your cash deposits available to you immediately and make funds from your check deposits available to you within two business days after we receive your deposit. Electronic direct deposits will be available on the 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 that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locations. The earliest cut-off time that might apply is 4:00 p.m. If you make a deposit before our cut-off hour 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 our cut-off hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cut-off hours are available at the credit union. In some cases, we will not make all $200.00 of the funds that you deposit by check available to you on the second business day after we receive your deposit. The first $225.00 of your deposit will be available on the first business day after the day of your the deposit. We If we are not going to make all of the funds from the deposit available on the same business day, we will notify you at the time you make your the deposit of any holdsis made. We will also tell let you know when the funds will be available. If your the 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 next business day after we receive your depositthe deposit to the statement address. If you will need the funds from a deposit right away, you should ask us when the funds will be available. During any delay, you may not withdraw the funds in cash and OU Federal Credit Union will not use the funds to pay checks that present for payment. The length of delay is counted in business days from the day of the deposit, including every day except Saturdays, Sundays and Federal Holidays. A deposit is considered received when it is accepted at one of our branch offices with all appropriate endorsements. A deposit accepted while our data processing system is not online will be considered received when the transaction is posted in the OU Federal Credit Union records. • We believe a check deposited will not be paid. • Deposited checks total more than $5,000 on any one day. • We redeposit a check that has been returned unpaid. • The account has been overdrawn repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. • The deposits are drawn on foreign financial institutions or foreign entities. We will notify you if we delay the 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 the deposit, unless the deposits are drawn on foreign financial institutions or foreign entities, which are exempt from the policies outlined in this disclosure. We reserve the right to refuse any item for deposit.

FUNDS AVAILABILITY POLICY DISCLOSURE. This disclosure describes your ability to withdraw funds at Texas Tech Federal Credit Union. It only applies to the availability of funds in transaction accounts. The 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. Our policy is to make funds from your cash deposits available to you immediately and make funds from your check deposits available to you within two on the first business days day after the day we receive your deposit. Electronic direct deposits will be available on the 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 that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locations. The earliest cut-off time that might apply is 4:00 p.m. If you make a deposit before our cutoff time on a business day that we are open, we will consider that day to be the day of deposit. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider that deposit made on the next business day that we are open. Generally, our cutoff time is the end of our business day. However, some of our locations have different cutoff times. The earliest cutoff time that might apply at a branch is 2:00 p.m. For specific deposit cut-off hour times, you may contact S&T Bank at 000.000.XXXX or in Indiana at 724.349.1800. If you make a deposit at one of our Automated Teller Ma- chines (ATM) before 3 pm 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 Any deposit made after our cut-off hour or on a day we are not open, we 3 pm will consider that the deposit was be considered to be made on the next business day we are open. Our cut-off hours are available at the credit union. In some cases, we will not make all of the funds that you deposit by check available to you on the second business day after we receive your deposit. The first $225.00 of from your deposit will be available on the first business day after the day of your deposit. We If we delay the availability on a 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 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 of any holds. 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 next business 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. Funds you deposit by check may be delayed for a longer period under the fol- lowing circumstances: – You redeposit a check that has previously been re- turned unpaid. – You have overdrawn your account repeatedly in the last six months. – You deposit checks totaling more than $5,000 on any one day. – Information from the paying bank indicates that the check may not be paid. – An emergency, such as failure of communications or computer equipment, has occurred. – Cannot confirm validity with paying bank. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for with- drawal 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. 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. We will notify you if we delay your availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. If we delay availability on a check that you deposit for any of these reasons, funds may not be avail- able until the 7th business day after the day of your deposit. Non-proprietary ATMs are not owned or operated by S&T Bank.All ATMs that we own or operate are identified as S&T Bank Machines. Funds from any deposits (cash or checks) made at ATMs we do not own or operate may not be avail- able until the fifth business day after the day of your deposit.

FUNDS AVAILABILITY POLICY DISCLOSURE. This disclosure describes (Regulation CC) The following availability schedule is based upon the definitions and interpretations of the laws and regulations governing the holds on checks in your ability to withdraw funds Account at Texas Tech Federal Credit Union. It only applies to the availability of funds in transaction accountsCaribe Federal. The credit union reserves funds that the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed depositor (hereinafter “you” or “your”) deposit in your Account will be available in accordance with this policy. Please ask us if you have a question about which accounts are affected by this policy. Our policy is to make funds from your cash deposits available to you immediately and make funds from your check deposits available to you within two business days after we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once Until they are available, you can withdraw the funds in cash and we Credit Union will not use the funds to pay checks that you have written. For determining The length of the availability delay is counted in business days from the day of your deposits, every deposit. Every day is a business day, day except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locationsDeposits made during a regular business day, will be considered made on that day. The earliest cut-off time that might apply length of the delay varies depending on the type of deposit and is 4:00 p.m. If you make a deposit before our cut-off hour explained below.  Immediately Availability:  Cash  Electronic Payments (ACH) o An electronic payment is received when the Credit Union receiving the payment has received both:  Payment in actually and finally collected funds; and  Information on a business day that we are open, we will consider that day the account and amount to be credited.  Checks Drawn on CFCU  Wire Transfers  Next Business Day Availability:  US Treasury Checks*  Government, Cashiers, Certified or Teller Checks*  US Postal Money Orders, Federal Reserve Bank Checks or Federal Home Loan Bank Checks*  Bank Money Orders* *Payable to the day member and deposited in person by the member  Other Check Deposit:  Checks drawn in banks of your depositforeign countries will have a hold period equal to the time the collection is delayed. However, if you make a  Checks deposit after our cut-off hour or Schedule: o All checks drawn on a day we are not open, we financial institutions in Puerto Rico (local checks) will consider that the deposit was made on the be available as follows:  $200.00 next business day we  $400.00 second business day  Remaining Balance, third business day o All checks drawn on financial institutions in United States (local checks Other) will be available as follows:  $200.00 next business day  $400.00 third business day  Remaining Balance, fourth business day Some checks are openmarket “payable through” and have a four or nine-digit number nearby. Our cutFor these checks, use this four-off hours are available at digit number (or the credit union. In some cases, we will not make all first four digits of the nine-digit number), not the routing number on the bottom of the check, to determine if these checks are local. Once you have determined the first four digits of the routing number, this chart will show you when funds that from the check will be available. Longer delays may apply: Funds you deposit by check available may be delayed for a longer period under the following circumstances: You have overdrawn your account repeatedly in the last six (6) months.  Repeated overdrafts. If any account or combination of accounts of a depositary Credit Union member has been repeatedly overdrawn, then for a period of six (6) months after the last such overdraft, The Credit Union may consider a member’s account to be repeatedly overdrawn if: o On six (6) or more banking days within the preceding (6) 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 o On two (2) or more banking days within the preceding six (6) months, the account balance is negative, or the account balance would have become negative, in the amount of Five Thousand Dollars ($5,000) or more, if checks or other charges to the account had been paid.  Credit Union believes a check you deposit will not be paid.  You deposit checks totaling more than Five Thousand Dollars ($5,000) on any one day.  A re-deposited check that has been returned unpaid.  There is an emergency such as failure of communications or computer equipment, natural disaster and social occurrences.  This exception does not apply if: o The check that has been returned due to a missing endorsement and redeposited after the missing endorsement has been obtained, if the reason for return indication on the second business day after we receive your deposit. The first $225.00 of your deposit will be available check states that it was returned due to a missing endorsement; or o To a check that has been returned because it was post dated, if the reason for return indicated on the first business day after check states that it was returned because it was post dated, and if the day of your depositcheck is no longer postdated when redeposited. We Credit Union will notify you at if Credit Union delays your ability to withdrawn funds for any of these reasons, and the time you make your deposit of any holds. 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 next business 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.

FUNDS AVAILABILITY POLICY DISCLOSURE. This disclosure describes your ability to withdraw funds at Texas Tech Horizon Federal Credit Union. It only applies to the availability of funds in transaction accounts. The credit union 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. GENERAL POLICY — Our policy is to make funds from your cash deposits available to you immediately and make funds from your check deposits available to you within two on the same business days day after we receive your deposit. Electronic direct deposits will be available on the 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 that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have different deposit cut-off hours for different deposit locations. The earliest cut-off time that might apply is 4:00 p.m. If you make a deposit before our cut-off hour 4:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after our cut-off hour 4:30 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Our cut-off hours are available at the credit union. RESERVATION OF RIGHT TO HOLD — In some cases, we will not make all of the funds that you deposit by check available to you on the second next business day after we receive your deposit. The Funds may not be available until the second business day after the day of your deposit. However, the first $225.00 200.00 of your deposit will be available on the first business day after the day of your deposit. We If we are not going to make all of the funds from your deposit available on the next business day, we will notify you at the time you make your deposit of any holdsdeposit. 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 next business 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. HOLDS ON OTHER FUNDS — 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 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 — We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000.00 on any one (1) day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as failure of communications or computer equipment. • Reasonable cause to believe check is fraudulent. 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. SPECIAL RULES FOR NEW ACCOUNTS — If you are a new member, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks will be available on the next 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 $5,000.00 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 $5,000.00 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the twentieth business day after the day of your deposit. DEPOSITS AT NONPROPRIETARY ATMS — Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines.