Common use of Holds on Other Funds Clause in Contracts

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 on any one (1) day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six (6) months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ❖ We believe a check you deposit will not be paid.  ❖ You deposit checks totaling more than $5,000.00 5,525.00 on any one (1) day.  ❖ You deposit a check that has been returned unpaid.  ❖ You have overdrawn your account repeatedly in the last six (6) months.  ❖ There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 5,525.00 on any one (1) day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six (6) months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000.00 5,525 on any one (1) day.  • You deposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is was drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  • We believe a check you deposit deposited will not be paid.  • You deposit checks totaling more than $5,000.00 5,525.00 on any one (1) day.  • You deposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. Please ask a member of the staff if you need to be sure when a particular deposit will be available for withdrawal.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ❖ We believe a check you deposit will not be paid.  ❖ You deposit checks totaling more than $5,000.00 on any one (1) day.  ❖ You deposit a check that has been returned unpaid.  ❖ You have overdrawn your account repeatedly in the last six (6) months.  ❖ There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000.00 5,000 on any one (1) day.  • You deposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. .Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000.00 5,525 on any one (1) day.  • You deposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh (7th) business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding correspond- ing amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If a longer delay will apply, we will tell you when the funds will be available. If we accept a check for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. If a longer delay will apply, we will tell you when the funds will be available. Longer Delays May Apply. Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ¡ We believe a check you deposit will not be paid.  ¡ You deposit checks totaling more than $5,000.00 5,000 on any one (1) day.  ¡ You deposit a check that has been returned unpaid.  ¡ You have overdrawn your account repeatedly in the last six (6) months.  ¡ There is an emergency, such as failure of communications communica- tions or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time the funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit available in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 on any one (1) day.  You deposit redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six (6) months.  There is an emergency, such as failure of communications communication or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time the funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit available in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ❖ We believe a check you deposit will not be paid.  ❖ You deposit checks totaling more than $5,000.00 on any one (1) day.  ❖ You deposit redeposit a check that has been returned unpaid.  ❖ You have overdrawn your account repeatedly in the last six (6) months.  ❖ There is an emergency, such as failure of communications communication or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  paid You deposit checks totaling more than $5,000.00 ($5,525 effective 7/1/2020) on any one (1) day.  day You deposit a check that has been returned unpaid.  unpaid You have overdrawn your account repeatedly in the last six (6) months.  months There is an emergency, such as failure of communications or computer 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. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a share draft or check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  • We believe a check you deposit deposited will not be paid.  • You deposit checks totaling more than $5,000.00 5,000 on any one (1) day.  • You re-deposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ❖ We believe a check you deposit will not be paid.  ❖ You deposit checks totaling more than $5,000.00 on any one (1) day.  ❖ You deposit a check that has been returned unpaid.  ❖ You have overdrawn your account repeatedly in the last six (6) months.  ❖ There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh fifth business day after the day of your deposit.

Holds on Other Funds. If we cash a share draft or check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  • We believe a check you deposit deposited will not be paid.  • You deposit checks totaling more than $5,000.00 5,000 on any one (1) day.  • You re-deposit a check that has been returned unpaidreturnedunpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. Apply – We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:   We believe a check you deposit will not be paid.   You deposit checks totaling more than $5,000.00 on any one (1) day.   You deposit a check that has been returned unpaid.   You have overdrawn your account repeatedly in the last six (6) months.   There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  You deposit a credit card convenience check or a sight draft.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 on any one (1) day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six (6) months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately immediately, but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:   We believe a check you deposit will not be paid.   You deposit checks totaling more than $5,000.00 5,000 on any one (1) day.  You deposit a check that has been returned unpaid.   You have overdrawn your account repeatedly in the last six (6) months.   There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh seven (7) business day days after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ❖ We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 on any one (1) day.  ❖ You deposit a check that has been returned unpaid.  ❖ You have overdrawn your account repeatedly in the last six (6) months.  ❖ There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  paid You deposit checks totaling more than ($5,000.00 5,525) on any one (1) day.  day You deposit a check that has been returned unpaid.  unpaid You have overdrawn your account repeatedly in the last six (6) months.  months There is an emergency, such as failure of communications or computer 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. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  • We believe a check you deposit will not be paid.  • You deposit checks totaling more than $5,000.00 5,525 on any one (1) day.  • You deposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 on any one (1) day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six (6) months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. Apply We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  paid You deposit checks totaling more than $5,000.00 5,525 on any one (1) day.  day You deposit a check that has been returned unpaid.  unpaid You have overdrawn your account repeatedly in the last six (6) months.  months There is an emergency, such as failure of communications or computer 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. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  - We believe a check you deposit will not be paid.  - You deposit checks totaling more than $5,000.00 5,525.00 on any one (1) day.  - You deposit a check that has been returned unpaid.  - You have overdrawn your account repeatedly in the last six (6) months.  - There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw Apply In addition, funds deposited you deposit by check into your account an additional number of days may be delayed for these reasonsa longer period under the following circumstances:  • We reasonably believe a check you deposit into your account will not be paid.  • You deposit checks into your account totaling more than $5,000.00 5,525 on any one (1) day.  • You deposit redeposit a check that has been returned unpaid.  • You have overdrawn your account repeatedly in the last six (6) months.  • We reasonably believe there is evidence of check kiting activity or a forgery on an account. • There is an emergency, such as a failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons reasons, and we will tell you when the funds will be available. They Generally, funds will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ❖ You deposit a credit card convenience check or a sight draft. ❖ We believe a check you deposit will not be paid.  ❖ You deposit checks totaling more than $5,000.00 on any one (1) day.  ❖ You deposit a check that has been returned unpaid.  ❖ You have overdrawn your account repeatedly in the last six (6) months.  ❖ There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, institution we may make funds from the deposit available for withdrawal immediately but buy delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal withdral until the time periods that are described elsewhere in this Disclosure for the type of check that you deposited. Longer Delays May ApplyException Holds. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:   We believe a check you deposit will not be paid.   You deposit checks totaling more than $5,000.00 5,525 on any one (1) day.   You deposit a check that has been returned unpaid.   You have overdrawn your account repeatedly in the last six (6) months.   There is an emergency, such as failure of communications or computer equipment. We If we decide to impose an exception hold, we will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Holds on Other Funds. If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this Disclosure disclosure for the type of check that you deposited. Longer Delays May Apply. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons:  ❖ We believe a check you deposit will not be paid.  ❖ You deposit checks totaling more than $5,000.00 5,525.00 on any one (1) day.  ❖ You deposit a check that has been returned unpaid.  ❖ You have overdrawn your account repeatedly in the last six (6) months.  ❖ There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.