Common use of FUNDS AVAILABILITY POLICY Clause in Contracts

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same day we receive your deposit. At that time, you can withdraw the funds in cash, and we will use the funds to pay checks you have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. 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 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 was made on the next business day we are open. If we cash a check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds 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 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 not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you deposited. If we are not going to make all of the funds from your deposit available on the same 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 no later than the day after we received your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same first (1st) business day after the day we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even 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 (5th) business day after the day of your deposit. This rule does not apply at ATMs that we have own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made funds at proprietary ATMs may not be available to you and you have withdrawn until the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make a deposit before closing 6:00 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 6:00 p.m. Pacific Standard Time, or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionIn some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe first (1st) business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) 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 same first (1st) business day we receive after the day of 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we received receive your deposit. If you will need the funds from a deposit right awayimmediately, 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: 1. We believe a check you deposit will not be paid. 2.  You deposit checks totaling more than $5,000 on any one day. 3.  You redeposit a check that has been returned unpaid. 4.  You have overdrawn your account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of communications or 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the seventh (Withdrawals only, located inside Alpena Regional Medical Center7th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganyour deposit.

FUNDS AVAILABILITY POLICY. This ‌ 1. General Policy. For Savings accounts, we reserve the right to place reasonable holds on deposited funds to the extent permitted by law and Regulation CC. For checking accounts our policy statement applies to all accounts. is set forth below. a. Our policy is to make funds from your cash and check deposits to your checking account available to you on the same first business day after the day we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit, as long as the deposit is received prior to 4:30pm. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays, unless otherwise disclosed at branch locations. We have different deposit cutoff hours for different locations which are equivalent to our Branch closing hours. If you make a deposit before closing our cutoff hour on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing our cutoff hour or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you WECU may hold deposits to savings accounts and any deposits of checks drawn on another foreign financial institution, we may withhold the availability of institutions for a corresponding amount of funds already in your account. Those funds reasonable period at WECU’s discretion. b. Funds deposited with a Teller or Loan Officer at branch locations will be available posted before the end of the business day. For deposits made at the time funds from the check we cashed would have been available a WECU ATM, if you had deposited it. If we accept for deposit funds before 2:30pm on a check drawn on another financial institutionbusiness day, 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 not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you deposited. If we are not going to make all of the funds from your deposit available on the same 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 then it 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 no later than considered the day after we received your of deposit. If you will need the deposit funds from after 2:30pm or a deposit right awaynon- business day, you should ask us when the funds will be available.  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 emergencyhowever, such as 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 consider the funds will day of deposit to be available.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michiganfollowing business day.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our Your policy is to make funds from your my cash and check deposits available to you me on the same first (1st) business day we after the day you receive your my deposit. At Electronic direct deposits will be available on the day you receive the deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) you do not own or operate will not be available until the fifth (5th) business day after the day of my deposit. This rule does not apply at ATMs that timeyou own or operate. All ATMs that you own or operate are identified as our machines. Once they are available, you I can withdraw the funds in cash, cash and we you will use the funds to pay checks you that I have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your my deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you I make a deposit before closing 2:00 p.m. on a business day we that you are open, we you will consider that day to be the day of your my deposit; however. However, if you I make a deposit after closing 2:00 p.m., or on a day we you are not open we open, you will consider that the deposit was made on the next business day we you are open. If we cash a check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds 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 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 not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you deposited. If we are not going to make all of the funds from your my deposit available on the same first (1st) business day we receive your after the day of deposit, we you will notify you me at the time you I make your my deposit. We You will also tell you me when the funds will be available. If your my deposit is not made directly to one of our employees your employees, or if we you decide to take this action after you I have left the premises, we you will mail you me the notice no later than by the business day after we received your you receive my deposit. If you I will need the funds from a deposit right away, you I should ask us you when the funds will be available.  We In addition, funds I deposit by check may be delayed for a longer period under the following circumstances: 1. You believe a check you I deposit will not be paid. 2.  You I deposit checks totaling more than $5,000 5,000.00 on any one day. 3.  You I redeposit a check that has been returned unpaid. 4.  You I have overdrawn your my account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of communications or computer or communications equipment. We You will notify me if you if we delay your my ability to withdraw funds for any of these reasons, and we you will tell you me when the funds will be available.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the eighth (Withdrawals only, located inside Alpena Regional Medical Center8th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganmy deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies ‌ 1. General Funds Availability Policy‌ For savings accounts, we reserve the right to all place reasonable holds on deposited funds to the extent permitted by law. For checking accounts. Our , our general policy is to make funds from your cash and check deposits available to you on the same business day after the day that we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw the funds them in cash, and cash and/or we will use the funds them to pay checks you that have been written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day except Saturdaysday, Sundays and Federal excepting federal holidays, is defined as Monday through Friday. If you make a deposit before closing 5:30 pm on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 5:30 pm or on a day that we are not open open, we will consider that the deposit was made on the next business day we are open. 2. If we cash a check for you drawn on another financial institutionReservation of Right to Hold‌ In some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe same business day that we receive your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit (e.g., large checks without available funds or third party checks), funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposit will be available on the first business day. If we are not going to make all of the funds from your deposit available on the same day we receive your depositfirst 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the day after we received receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.

FUNDS AVAILABILITY POLICY. This policy statement applies General Policy At Helm, we take the trust you have placed in us as your banker very seriously. Therefore, we attempt to all accountsprovide you with the earliest funds availability consistent with our need for sound banking practices. It is also designed to protect Helm from unjustified risk of loss through dishonored and returned checks. Our policy is to make be in accordance with Regulation CC or other applicable Federal regulation on the availability of funds from on your cash and cash, check deposits available to you on and Electronic payments. During the same day we receive your deposit. At that timedelay, you can may not withdraw the funds in cash, cash and we will not use the funds to pay checks that you have writtenwritten except as provided herein. Please remember But, Xxxx may choose to give early availability funds (same day availability) on some transactions. Remember that even after we have made funds available to you and you have withdrawn the fundsyou, you are still responsible for checks you deposit that are any returned items charged to us unpaid and for any other problems involving your Account. • Determining the Availability of a Deposit The length of the delay is counted in Banking Days from the day of your deposit. For determining the availability of your deposits, every Every day is a business banking day except Saturdays, Sundays Sundays, holidays, and Federal holidaysany other day financial institutions in Miami, Florida, U.S. are not open for business. If you make a deposit before closing 4:00 p.m. on a business day Banking Day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 4:00 p.m. or on a day we are not open open, we will consider that the deposit was made on the next business day Banking Day we are open. If The length of the delay varies depending on the type of deposit and is explained below. • Same Banking Day Availability Funds from electronic direct deposits to your Account will be available on the day we cash a check receive the deposit. • Xxxx, when presented in person to one of our Associates. • Wire transfers, including pre authorized credits, such as social security benefits and payroll checks. Funds from the following deposits are available for withdrawal on the first (1st) Banking Day after the day of your deposit (for example, if you drawn deposit any of these items on another financial institutionMonday before 4:00 pm E.T., we may withhold the availability of a corresponding amount of funds already in your account. Those funds will be available at on Tuesday). • U.S. Treasury checks that are payable to you. • State and local government checks that are payable to you. • Cashier’s, certified, and xxxxxx’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home loan bank checks and postal money orders, if these items are payable to you. • The first $225.00 or the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check drawn on another financial institution, we may make funds from total amount of the deposit available for withdrawal immediately but delay if it is less than $225.00. • Second Banking Day Availability • If you do not make 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 not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you deposited. If we are not going to make all of the funds from your deposit available on the same 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 person to one of our employees or if we decide to take this action Associates (for example, you mail the deposit) funds will be available on the second (2nd) Banking Day after you have left the premises, we will mail you the notice no later than the day of your deposit (for example, if you mail a cashier’s check that we receive Monday evening, those funds will be available on Wednesday). • The remaining funds from the first $225.00 from a deposit of other checks will be available on the second (2nd) Banking Day after we received the day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will (Other checks may be available.  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 subject to longer hold periods as 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michiganspecified below).

FUNDS AVAILABILITY POLICY. This policy statement applies only to all checking accounts. Deposits to other types of accounts may be subject to longer holds in our discretion. General Policy. Our policy is to make funds from your cash and check deposits available to you on the same business day that we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sun- days, and Federal federal holidays. If you make a deposit before closing 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 4:00 p.m. or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionReservation of Right to Hold. In some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe same business day that we receive your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first business day. If we are not going to make all of the funds from your deposit available on the same day we receive your depositfirst 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the day after we received receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.

FUNDS AVAILABILITY POLICY. This policy statement Funds Availability Policy (Policy) applies to all accountsdeposits made into a checking or savings account at a branch, automated teller machine (ATM), or by mail. Our This Policy does not apply to deposits made remotely through mobile deposit services. With some exceptions described below, it is our policy is to make funds from your cash and check deposits available to you on or before the same first business day after the day we receive your deposit. At that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks or other items. For example, if you have written. Please remember even after we have made funds available to you and you have withdrawn the fundsdeposit a check on Monday, you are still responsible may not be able to access the funds from that deposit, including for checks payment of other checks, until Tuesday or possibly later. Refer to the availability timelines below for details about when you can use the funds from different types of deposits. Additionally, we may place a longer hold and credit will not be received on non-U.S. items until the collection process is completed. If you make a deposit with an associate at a branch on a business day, we will consider that are returned day to us unpaid and for any other problems involving be the day of your deposit. If you make a deposit on a business day before our cutoff time at a Landmark ATM, we will consider that day to be the day of your deposit. However, if you make a deposit on a day that is not a business day or make an ATM deposit after the ATM cutoff time, we will consider the deposit to have been made on the next business day for purposes of funds availability. For example, if you make a deposit at an ATM at 9:00 p.m. on a Friday, the deposit will be considered received on the following Monday. • For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays and Federal federal holidays. If • For deposits and transfers at most Landmark ATMs, the cutoff time is 7:00 p.m. local time. In some cases, the cutoff time may be delayed at Landmark’s discretion. During the delay, your deposit will be treated as if it was received before 7:00 p.m. Please note, the date printed on your ATM deposit receipt will reflect the calendar day you make a deposit before closing on a business made your deposit, which may not be the same as the day we consider it received for purposes of funds availability as outlined in this Policy. • Deposits placed in a night depository are open, considered received when we remove them from the night depository; we will consider that day to remove deposits no later than the next business day. • Branches in some locations may be the day closed on business days because of your deposit; howeveran emergency, if you make and deposits made at a deposit after closing or on a day we night depository when those branches are not open we closed will consider the deposit was made be considered received on the next business day we are when the branch is open. If we • We will not accept cash deposits by mail. All deposits made by mail will be considered received on the date the deposit is received by that location. Xxxxxxx made to an associate at a check for you branch? Type of Deposit Funds Availability Yes Qualified Payroll Check* Cash Check drawn on another financial institution, we may withhold the availability a Landmark account (“On-us Check”) Electronic (wire and ACH) deposits to your account U.S. Treasury Checks Cashier/Certified/Teller Check U.S. Postal Money Order State or Local Government Check Pre-Printed Insurance Check Same Day All Other Types of Checks Next Business Day No Deposits at Landmark ATMs Next Business Day Deposits at non-Landmark ATMs Fifth Business Day All other types of deposits (excluding mobile deposits) Next Business Day * Qualified Payroll Check means a corresponding amount of funds already in your account. Those funds will be available at the time funds payroll check following two consecutive deposits that cleared from the check we cashed would have been available if you had deposited it. If we accept for deposit a check 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 not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you deposited. If we are not going to make all of the funds from your deposit available on the same 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 no later than the day after we received your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michiganemployer.

FUNDS AVAILABILITY POLICY. This policy statement section applies to all accountsdeposits made at Logix-owned ATMs and at select ATM locations displaying the CO-OP Network symbol. Our policy is to make funds from your cash and check deposits available to you Logix-owned ATMs are easily identifiable by our name on the same ATM screen. Funds from deposits made at Logix-owned ATMs are subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the second business day we receive your following the date of deposit. At that timeFunds from deposits made at non-Logix-owned ATMs displaying the CO-OP Network symbol are also subject to verification, you can withdraw the funds in cashmay not be available for immediate withdrawal, and we will use generally be available for withdrawal the funds to pay checks you have writtenfifth business day following the date of deposit. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your depositLonger delays may apply. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make Generally, deposits received after 12:00 p.m. (noon) local time will be processed the following business day. Each calendar day (including Saturday, Sunday and holidays) is a deposit before closing on processing day. At Logix-owned ATMs, a business processing day we are openis the actual 24 hour calendar day period, midnight to midnight (12:00 a.m. Pacific Time [PT)).Processing days may be different at non-Logix owned ATMs and POS Networks (for example, 3:00 p.m. to 3:00 p.m.). For posting transactions dividend calculation, finance charge accruals, and for any matter under dispute, the processing date will be the effective date of the transaction. In some cases, we will consider not make all of the funds that you deposit at Logix-owned ATMs available to you on the second business day to be after the day of your deposit; however, if or that you make a deposit after closing or on a day we are not open we will consider the deposit was made at non-Logix owned ATMs available to you on the next fifth business day we are openafter the day of your deposit. If we cash a check for you drawn on another financial institutionHowever, we may withhold the availability first $225 of a corresponding amount of funds already in your account. Those funds each day’s deposits made at Logix-owned ATMs will be available at on the time funds from first business day following the check we cashed would have been available if you had deposited it. If we accept for deposit a check 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 day of funds that you have on deposit in another account with us. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you depositeddeposit. If we are not going to make all of the funds from your deposit available on the same second or fifth business day we receive your following the date of deposit, as stated above, we will notify you at by mail by the time you make first business day after we receive your deposit. We will also deposit and 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 no later than the day after we received your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.

FUNDS AVAILABILITY POLICY. This policy statement section applies to all accountsdeposits made at Logix-owned ATMs and at select ATM locations displaying the CO-OP Network symbol. Our policy is to make funds from your cash and check deposits available to you Logix-owned ATMs are easily identifiable by our name on the same ATM screen. Funds from deposits made at Logix-owned ATMs are subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the second business day we receive your following the date of deposit. At that timeFunds from deposits made at non-Logix-owned ATMs displaying the CO-OP Network symbol are also subject to verification, you can withdraw the funds in cashmay not be available for immediate withdrawal, and we will use generally be available for withdrawal the funds to pay checks you have writtenfifth business day following the date of deposit. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your depositLonger delays may apply. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make Generally, deposits received after 12:00 p.m. (noon) local time will be processed the following business day. Each calendar day (including Saturday, Sunday and holidays) is a deposit before closing on processing day. At Logix-owned ATMs, a business processing day we are openis the actual 24 hour calendar day period, midnight to midnight (12:00 a.m. Pacific Time [PT)).Processing days may be different at non-Logix owned ATMs and POS Networks (for example, 3:00 p.m. to 3:00 p.m.). For posting transactions dividend calculation, finance charge accruals, and for any matter under dispute, the processing date will be the effective date of the transaction. In some cases, we will consider not make all of the funds that you deposit at Logix-owned ATMs available to you on the second business day to be after the day of your deposit; however, if or that you make a deposit after closing or on a day we are not open we will consider the deposit was made at non-Logix owned ATMs available to you on the next fifth business day we are openafter the day of your deposit. If we cash a check for you drawn on another financial institutionHowever, we may withhold the availability first $200 of a corresponding amount of funds already in your account. Those funds each day’s deposits made at Logix-owned ATMs will be available at on the time funds from first business day following the check we cashed would have been available if you had deposited it. If we accept for deposit a check 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 day of funds that you have on deposit in another account with us. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you depositeddeposit. If we are not going to make all of the funds from your deposit available on the same second or fifth business day we receive your following the date of deposit, as stated above, we will notify you at by mail by the time you make first business day after we receive your deposit. We will also deposit and 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 no later than the day after we received your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same first (1st) business day after the day we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even 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 seventh (7th) business day after the day of your deposit. This rule does not apply at ATMs that we have own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made funds at proprietary ATMs may not be available to you and you have withdrawn until the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make a deposit before closing 12:00 am (midnight) Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 12:00 am (midnight) Pacific Standard Time, or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionIn some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe first (1st) business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the seventh (7th) business day after the day of your deposit. However, the first $200 of your deposits will be available on the first (1st) 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 same first (1st) business day we receive after the day of 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we received receive your depositdeposit as long as the deposit is made before the established daily cut-off time. If you will need the funds from a deposit right awayimmediately, 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: 1. We believe a check you deposit will not be paid. 2.  You deposit checks totaling more than $5,000 on any one day. 3.  You redeposit a check that has been returned unpaid. 4.  You have overdrawn your account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of communications or 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the seventh (Withdrawals only, located inside Alpena Regional Medical Center7th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganyour deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same frst (1st) business day after the day we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even 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 ffth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we have own or operate (proprietary ATMs). All ATMs that we own or operate are identifed as our machines. Funds from any deposits (cash or checks) made funds at proprietary ATMs may not be available to you and you have withdrawn until the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make a deposit before closing 6:00 p.m. Pacifc Standard Time on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 6:00 p.m. Pacifc Standard Time, or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionIn some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe frst (1st) business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the ffth (5th) business day after the day of your deposit. However, the frst $200 of your deposits will be available on the frst (1st) 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 same frst (1st) business day we receive after the day of 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we received receive your deposit. If you will need the funds from a deposit right awayimmediately, 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: 1. We believe a check you deposit will not be paid. 2.  You deposit checks totaling more than $5,000 on any one day. 3.  You redeposit a check that has been returned unpaid. 4.  You have overdrawn your account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of communications or 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the seventh (Withdrawals only, located inside Alpena Regional Medical Center7th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganyour deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same first (1st) business day after the day we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even 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 (5th) business day after the day of your deposit. This rule does not apply at ATMs that we have own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made funds at proprietary ATMs may not be available to you and you have withdrawn until the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make a deposit before closing 6:00 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 6:00 p.m. Pacific Standard Time, or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionIn some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe first (1st) business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $200 of your deposits will be available on the first (1st) 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 same first (1st) business day we receive after the day of 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we received receive your deposit. If you will need the funds from a deposit right awayimmediately, 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: 1. We believe a check you deposit will not be paid. 2.  You deposit checks totaling more than $5,000 on any one day. 3.  You redeposit a check that has been returned unpaid. 4.  You have overdrawn your account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of communications or 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the seventh (Withdrawals only, located inside Alpena Regional Medical Center7th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganyour deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same first business day after the day we receive your deposit. At that timeElectronic direct deposits, wire transfers and cash deposits made in person will be available on the day we receive your deposit. Once the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please remember even after we have made funds available to you written and other debits that you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your depositauthorized. For determining To determine the availability of your deposits, every day is a business day day, except Saturdays, Sundays and Federal federal holidays. If On business days that we are open, if you make a deposit before closing on with a business day Bank teller we are open, we “will consider that day to be the day of your deposit; however. However, if you make a deposit after closing or on a day we are not open open, we will consider that the deposit was made on the next business day. For deposits made at Brookline Bank ATMs the cutoff time is 2:00P.M. All Brookline Bank ATMs are clearly defined as such. 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. If we cash a check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds already in your account. Those funds will be available at the time funds Funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check 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 not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you deposited. If we following deposits are not going to make all of the funds from your deposit available on the same day we receive your deposit, we will notify they are deposited: • Funds received for deposit by an electronic payment (including ACH credits and transfers); • Wire transfers; • Checks drawn on this institution (unless funds are not available in the Account on which the check is drawn); • Cash deposits made at a teller window. If you at the time you do not make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly in person to one of our employees or tellers (for example, if we decide to take this action you mail the deposit), funds from these deposits will be available on the first business day after you have left the premises, we will mail you the notice no later than the day after we received of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check Funds you deposit will not by check may be paid.  delayed for a longer period under the following circumstances: • You deposit checks totaling more than $5,000 on any one 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 Account repeatedly in the last six months.  • There is an emergency, such as failure of communications or 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.  0000 X Xxxxxx Xx – AlpenaThey will generally be available no later than the fifth business day after the day of your deposit. If the decision to delay availability is not made at the time you make the deposit, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in we will mail you a notice by the State of Michiganfirst business day after we receive your deposit. The notice will tell you when the funds will be available.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same first (1st) business day after the day we receive your deposit. At Electronic direct deposits will be available on the day we receive the deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that timewe own or operate. All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at our ATMs may not be available until the second (2nd) business day after the day of your deposit. Once deposited funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make a deposit before closing 3 p.m. on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 3 p.m., or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionIn some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe first (1st) business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $200 of your deposits will be available on the first (1st) business day after the day of deposit. If we are not going to make all of the funds from your deposit available on the same first (1st) business day we receive your after 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 your deposit is not made directly to one of our employees employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the business day after we received 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: 1. We believe a check you deposit will not be paid. 2.  You deposit checks or share drafts totaling more than $5,000 on any one day. 3.  You redeposit a check that has been returned unpaid. 4.  You have overdrawn your account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of communications or 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the eighth (Withdrawals only, located inside Alpena Regional Medical Center8th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganyour deposit.

FUNDS AVAILABILITY POLICY. This policy statement Information contained in this section applies to all deposit accounts. Our general policy is to make funds from your available to you on the following basis. We intend to make cash and check deposits available to you immediately on the same day we receive your deposits. Similarly, electronic direct deposits will also be available to you on the day we receive the deposit. At that timeWhen funds are available to you, you can may withdraw the funds them in cash, cash and we will may use the funds them to pay checks that you have written. Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. 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 we are open, we will consider that day to be the day of your deposit; however, available if you make a deposit after closing or on a day we are not open we will consider the deposit was made on the next business day we are openhad deposited them. If we cash a accept for deposi the time funds from the check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds cashed would have been 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 drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw of a corresponding amount of funds that are for you have that is drawn on deposit in another account with us. The funds in the bank, we may withhold any other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you depositedissues involving your deposit. If we cash a check returned to us unpaid and, subject to applicable law, for are not going to make all of the funds from your still responsible for checks that you deposit available that are on the same day we receive of your deposit, we will notify you to the extent possible 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 employees, or if we decide to take this action after you have left the premises, we will mail you notice by the notice no later than the next business day after we received receive your deposit. If you will need the funds from a the deposit right away, you should ask us when the funds will be available.  In addition, in the case of an exception hold, 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.  ; one day; You deposit checks totaling more than $5,000 5,750 on any one day.  • returned unpaid; You redeposit a check that has been returned unpaid.  previously • last 6 months; or You have overdrawn your account repeatedly in the last six months• t a check that is drawn on another bank, we may make the funds from the deposit available for withdrawal immediately applicable time periods that are described elsewhere in this disclosure for the type of check that you deposited.  There is an emergency, such as failure would then not be available for withdrawal until the or another account with us. The funds in the other account amount of computer or communications equipmentfunds that you have on deposit in this account but delay your availability to withdraw a corresponding deposit. than the seventh (7th) business day after the day of your will be available. They will generally be available no later for any of these reasons and we will tell you when the funds We will notify you if we delay your ability to withdraw funds for any of these reasonsor internet access device. your account electronically, and including through the computer such as payroll, that we will tell you when the funds will allow to be available.  0000 X Xxxxxx Xx – Alpenadeposited directly to Social Security Administration benefits or other deposits, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits arrange for the direct deposit to ATMs located in the State your account of Michigan.communications equipment. There is an emergency, such as failure of computer or •

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our Your policy is to make funds from your my cash and check deposits available to you me on the same first (1st) business day we after the day you receive your my deposit. At Electronic direct deposits will be available on the day you receive the deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) you do not own or operate will not be available until the fifth (5th) business day after the day of my deposit. This rule does not apply at ATMs that timeyou own or operate. All ATMs that you own or operate are identified as our machines. Once they are available, you I can withdraw the funds in cash, cash and we you will use the funds to pay checks you that I have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your my deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you I make a deposit before closing 3:00 p.m. PST on a business day we that you are open, we you will consider that day to be the day of your my deposit; however. However, if you I make a deposit after closing 3:00 p.m., or on a day we you are not open we open, you will consider that the deposit was made on the next business day we you are open. If we cash a check for you drawn on another financial institution, we $600 of my deposits may withhold the availability of a corresponding amount of funds already in your account. Those funds will be available at on the time funds from first (1st) business day after the check we cashed would have been available if you had deposited itday of deposit. If we accept for deposit a check 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 not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you deposited. If we are not going to make all of the funds from your my deposit available on the same first (1st) business day we receive your after the day of deposit, we you will notify you me at the time you I make your my deposit. We You will also tell you me when the funds will be available. If your my deposit is not made directly to one of our employees your employees, or if we you decide to take this action after you I have left the premises, we you will mail you me the notice no later than by the business day after we received your you receive my deposit. If you I will need the funds from a deposit right away, you I should ask us you when the funds will be available.  We In addition, funds I deposit by check may be delayed for a longer period under the following circumstances: 1. You believe a check you I deposit will not be paid. 2.  You I deposit checks totaling more than $5,000 5,525 on any one day. 3.  You I redeposit a check that has been returned unpaid. 4.  You I have overdrawn your my account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of communications or computer or communications equipment. We You will notify me if you if we delay your my ability to withdraw funds for any of these reasons, and we you will tell you me when the funds will be available.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the eleventh (Withdrawals only, located inside Alpena Regional Medical Center11th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganmy deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies to all “transaction accounts”. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third parties and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts (Refer to Section V for more information regarding checking accounts). Feel free to ask us whether any of your other accounts might also be considered transaction accounts. Our general policy is to make funds from your cash and check deposits available to you on the same first business day after the day we receive your deposit. At that timeOnce the funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have writtenwritten and other electronic debits that are presented for payment. Please remember For determining the availability of your deposits, every day is a ”business day”, except Saturdays, Sundays and holidays observed by the Credit Union. Our business days are Monday through Friday, excluding New Year’s Day, Xxxxxx Xxxxxx Xxxx, Xx. Day, President’s Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, the Friday after Thanksgiving Day, Christmas Day, and on the last weekday preceding Christmas and New Year’s Day, and on any day designated for their observance. If you make a deposit at one of our offices before 5:00 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 5:00 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. Remember, even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving yourdeposit. Funds from the following deposits will be available on the same day we receive the deposit: • Cash deposited in person to one of our employees; • Funds from electronic deposits (ACH) to your account; or • Checks drawn on the Credit Union and deposited in person to one of our employees. • Funds from the following deposits will be available on the first business day after the day of your deposit • Wire transfers to your account; • U.S. Treasury checks and U.S. Postal money orders that are payable to you; • Federal Reserve Bank and Federal Home Loan Bank checks that are payable to you; • State and local government checks that are payable to you; • Cashier’s, certified, and teller’s checks that are payable to you; or • Checks drawn on the Credit Union and deposited into our night depository receptacle. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. For determining the availability The first $200 of your deposits, every day is a however, will be available on the first business day except Saturdays, Sundays and Federal holidays. If you make a deposit before closing on a business day we are open, we will consider that day to be after the day of your deposit; however. In some cases, if you make a deposit after closing or on a day we are not open we will consider not make all of the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe first business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds will generally be available on 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 same day we receive your depositfirst 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the business day after we received 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 ; • You/we redeposit a check that has been returned unpaid.  returnedunpaid; • You have overdrawn your account repeatedly in the last six (6) months.  ; or • There is an emergency, emergency such as a natural disaster, failure of computer or communications equipment, or other situations that interrupt the processing of checks. 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in They will generally be available no later than the State seventh business day after the day of Michiganyour deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies 1. General Funds Availability Policy For savings accounts, we reserve the right to all place reasonable holds on deposited funds to the extent permitted by law. For checking accounts. Our , our general policy is to make funds from your cash and check deposits available to you on the same business day after the day that we receive your deposit. At that timeElectronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw the funds them in cash, and cash and/or we will use the funds them to pay checks you that have been written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day except Saturdaysday, Sundays and Federal excepting federal holidays, is defined as Monday through Friday. If you make a deposit before closing 5:30 pm on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 5:30 pm or on a day that we are not open open, we will consider that the deposit was made on the next business day we are open. 2. If we cash a check for you drawn on another financial institutionReservation of Right to Hold In some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe same business day that we receive your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit (e.g., large checks without available funds or third party checks), funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposit will be available on the first business day. If we are not going to make all of the funds from your deposit available on the same day we receive your depositfirst 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 employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than by the day after we received receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the same first (1st) business day after the day we receive your deposit. At Electronic direct deposits will be available on the day we receive the deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the seventh (7) business day after the day of your deposit. This rule does not apply at ATMs that timewe own or operate. All ATMs that we own or operate are identified as our machines. Once deposited funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make a deposit before closing 4:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 5:00 p.m., or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionIn some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe first (1st) business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the seventh (7) business day after the day of your deposit. However, the first $200 of your deposits will be available on the first (1st) business day after the day of deposit. If we are not going to make all of the funds from your deposit available on the same first (1st) business day we receive your after 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 your deposit is not made directly to one of our employees employees, or if we decide to take this action after you have left the premises, we will mail you the notice no later than or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format by the business day after we received receive your deposit. If you will need the funds from a deposit right awayimmediately, 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: 1. We believe a check you deposit will not be paidpaid.‌ 2.  You deposit checks totaling more than $5,000 10,000 on any one dayday.‌ 3.  You redeposit a check that has been returned unpaidunpaid.‌ 4.  You have overdrawn your account repeatedly in the last six months(6) months.‌ 5.  There is an emergency, such as failure of communications or computer or communications equipment. equipment.‌ We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 They will generally be available no later than the seventh (Withdrawals only, located inside Alpena Regional Medical Center7th)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in business day after the State day of Michiganyour deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accountsAll credits for deposit are provisional until we receive final payment from the institution that the check(s) is/are drawn on. Our policy is to make funds from your cash and check deposits available to you on the same first (1st) business day after the day we receive your deposit. At Electronic direct deposits will be available on the day we receive the deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that timewe own or operate. All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at our ATMs may not be available until the second (2nd) business day after the day of your deposit. Once deposited funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays and Federal federal holidays. If you make a deposit before closing 5 p.m. on a business day that we are open, we will consider that day to be the day of your deposit; however. However, if you make a deposit after closing 5 p.m., or on a day we are not open open, we will consider that the deposit was made on the next business day we are open. If we cash a check for you drawn on another financial institutionIn some cases, we may withhold will not make all of the availability of a corresponding amount of funds 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 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 deposit by check available to you on deposit in another account with usthe first (1st) business day after the day of your deposit. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for Depending on the type of check that you depositeddeposit, funds may not be available until the seventh (7th) business day after the day of your deposit. However, the first $225.00 of your deposits will be available on the first (1st) business day after the day of deposit. If we are not going to make all of the funds from your deposit available on the same first (1st) business day we receive your after 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 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 no later than or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we received receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check In addition, funds you deposit will not by check may be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit delayed for a check that has been returned unpaid.  You have overdrawn your account repeatedly in longer period under the last six months.  There is an emergency, such as 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.following circumstances:

FUNDS AVAILABILITY POLICY. This policy statement section applies to all accountsdeposits made at Logix-owned ATMs and at select ATM locations displaying the CO-OP Network symbol. Our policy is to make funds from your cash and check deposits available to you Logix-owned ATMs are easily identifiable by our name on the same ATM screen. Funds from deposits made at Logix-owned ATMs are subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the Funds from deposits made at non-Logix-owned ATMs displaying the CO-OP Network symbol are also subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the fifth business day we receive your following the date of deposit. At that time, you can withdraw the funds in cash, and we will use the funds to pay checks you have written. Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your depositLonger delays may apply. For determining the availability of your deposits, every day is a business day day, except Saturdays, Sundays Sundays, and Federal federal holidays. If you make Generally, deposits received after 12:00 p.m. (noon) local time will be processed the following business day. Each calendar day (including Saturday, Sunday and holidays) is a deposit before closing on processing day. At Logix-owned ATMs, a business processing day we are openis the actual 24 hour calendar day period, midnight to midnight (12:00 a.m. Pacific Time [PT)).Processing days may be different at non-Logix owned ATMs and POS Networks (for example, 3:00 p.m. to 3:00 p.m.). For posting transactions dividend calculation, finance charge accruals, and for any matter under dispute, the processing date will be the effective date of the transaction. In some cases, we will consider not make all of the funds that you deposit at Logix-owned ATMs available to you on the second business day to be after the day of your deposit; however, if or that you make a deposit after closing or on a day we are not open we will consider the deposit was made at non-Logix owned ATMs available to you on the next fifth business day we are openafter the day of your deposit. If we cash a check for you drawn on another financial institutionHowever, we may withhold the availability first $225 of a corresponding amount of funds already in your account. Those funds each day’s deposits made at Logix-owned ATMs will be available at on the time funds from first business day following the check we cashed would have been available if you had deposited it. If we accept for deposit a check 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 day of funds that you have on deposit in another account with us. The funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of check you depositeddeposit. If we are not going to make all of the funds from your deposit available on the same second or fifth business day we receive your following the date of deposit, as stated above, we will notify you at by mail by the time you make first business day after we receive your deposit. We will also deposit and 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 no later than the day after we received your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of 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.  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan.