Common use of Longer Delays May Apply Clause in Contracts

Longer Delays May Apply. In some cases, we will not make all the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Funds may not be available until the second Business Day after the day of your deposit. The first $225 of your deposit, however, will be available on the first Business Day. If we are not going to make all the funds available from your deposit available on the first Business Day after the day of your deposit, we will notify you at the time of your deposit and tell you when the funds will be available. If your deposit is not made directly through one of our employees, or if we decide to take this action after you leave the premises, we will send you the notice no later than the Business Day after we receive your deposit. If you need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,525 on any one (1) day; • You redeposit a check that has previously been returned unpaid; • You have overdrawn your Account repeatedly in the last six (6) months; • An emergency exists, such as an interruption of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our control. 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. Funds will generally be available no later than the seventh (7th) Business Day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all the funds that you your deposit by check available to you according to the preceding schedule. Depending on the first Business Day after the day type of your check that you deposit. Funds , funds may not be available until the second Business Day fifth business day after the day of your deposit. The first $225 of your depositdeposits, however, will be available on the first Business Daybusiness day. If we are not going to make all the funds available from your deposit available on according to the first Business Day after the day of your depositpreceding schedule, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day day after we receive your deposit. If you need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds Funds you deposit by check may be delayed for a longer period under the following circumstances: • > We believe a check you deposit will not be paid; • . > You deposit checks totaling more than $5,525 on any one (1) day; • . > You redeposit a check that has previously been returned unpaid; • . > You have overdrawn your Account account repeatedly in the last six (6) months; • An emergency exists. > There is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. The first $225 200 of your depositdeposits, however, will be available on the first Business Day. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositDay, we will notify you at the time you make your deposit. We will also provide you with an estimate of your deposit and tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. While we may provide you with an estimate of when the funds will be available, please be advised that the funds are still subject to final settlement. 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; paid • You deposit checks totaling more than $5,525 5,000 on any one (1) day; day • You redeposit a check that has previously been returned unpaid; unpaid • You have overdrawn your Account repeatedly in the last six (6) months; months • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other communications equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our control. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell provide you with an estimate of when the funds will be available. Funds They will generally be available no later than the seventh (7th) Business Day after the day of your deposit.

Longer Delays May Apply. In some cases, we We will not make all of the funds that you deposit are deposited by check or deposited available to you You on the first Business Day after the day of your Your deposit. Funds Depending on the type of check that You deposit, funds may not be available until the second Business Day after the day of your depositYour deposit is received. The However, the first $225 200.00 of your deposit, however, will Your deposits may be available on the first Business Day. If we are not going to make all the funds available from your deposit available on the first Business Day after Your deposit is received. If We are not going to make all of the day of your depositfunds from Your deposit available on the first Business Day, we We will notify you You at the time of your deposit and You make Your deposit. We will also tell you You when the funds will be available. If your Your deposit is not made directly through to one of our Our employees, or if we We decide to take this action after you leave You have left the premises, we We will send you mail You the notice no later than by the Business Day day after we We receive your Your deposit. If you need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you Funds You deposit by check may be delayed for a longer period under the following circumstancesif: • (i) We believe a check you You deposit will not be paid; • (ii) You deposit checks totaling more than $5,525 5,000.00 on any one Business Day; (1iii) day; • You redeposit a check that has previously been returned unpaid; • (iv) You have overdrawn your Your Account repeatedly in the last six (6) months; • An emergency existsor (v) there is an event that occurs, which is out of Our control such as an interruption of emergency, communications or computer equipment failure, natural disaster, act of terrorism, sanction or restriction against the transaction, or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our event outside Our control. We will notify you You if we We delay your Your ability to withdraw funds for any of these reasons, and we We will tell you You when the funds will be available. Funds They will generally be available no later than the seventh (7th) Business Day after the day of your Your deposit. Your deposit may encounter delays if required by law.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Funds may not be available until the second Business Day after the day of your depositas provided above. The first $225 (or such greater amount as allowed by annual adjustments to Regulation CC) of your deposits will generally be available no later than the first business day after the day of deposit, however, will be available on the first Business Dayand usually immediately. If we are not going to make all of the funds available from your deposit available on the first Business Day after the business day of your deposit, we will notify you at the time of you make your deposit deposit, or soon after as reasonably practical, and will tell you when the funds will be available. If your deposit is deposits are not made directly through to one of our employees, employees or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day next business day after we receive your the deposit. If you need the funds from a deposit immediatelyright 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 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 communication or computer equipment. • You deposit checks totaling more than $5,525 (or such greater amount as allowed by annual adjustments to Regulation CC) on any one (1) day; • You redeposit a check that has previously been returned unpaid; • You have overdrawn your Account repeatedly in the last six (6) months; • An emergency exists, such as an interruption of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our control. 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. Funds The funds will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day business day after the day of your deposit. Funds may not Depending on the type of check that you deposit, funds will generally be available until on the second Business Day day after the day of your deposit. The However, the first $225 of your deposit, however, will deposits may be available on the first Business Daybusiness day. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositbusiness day, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than the Business Day business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds Funds that you deposit by check may be delayed for a longer period under the following circumstances: • Checks deposited via Remote Deposit Capture are subject to a two (2) day hold; • We believe a check you deposit will not be paid; • You deposit checks totaling more for than $5,525 on any one (1) day; • You You/we redeposit a check that has previously been returned unpaid; • You have overdrawn your Account account repeatedly in the last six (6) months; or • An There is an emergency exists, such as an interruption a natural disaster, failure of communications or computer or communications equipment, or other equipment facilities, a suspension situations that interrupt the processing of payment by another bank, war, weather or an emergency condition beyond our controlchecks. 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we We will not make all of the funds that you You deposit by check available to you You on the first Business Day after the business day of We receive your deposit. Funds Depending on the type of check that You deposit, funds may not be available until the second Business Day (2nd) business day after the day of your deposit. The first $225 225.00 of your depositYour deposits, however, will may be available on the first Business Day(1st) business day. If we We are not going to make all of the funds available from your deposit available on the first Business Day after the business day of We receive your deposit, we We will notify you You at the time of You make your deposit and deposit. We will also tell you You when the funds will be available. If your deposit is not made directly through to one (1) of our Our employees, or if we We decide to take this action after you leave You have left the premises, we We will send you mail You the notice no later than by the Business Day business day after we We receive your deposit. If you You will need the funds from a deposit immediatelyright away, you You should ask us Us when the funds will be available. In addition, funds you You deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you You deposit will not be paid; . • You deposit checks totaling more than $5,525 5,525.00 on any one anyone (1) day; . • You redeposit a check that has previously been returned unpaid; . • You have overdrawn your Account repeatedly in the last six (6) months; . • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunication equipment. We will notify you You if we We delay your ability to withdraw funds for any of these reasons, and we We will tell you You when the funds will be available. Funds They will generally be available no later than the seventh (7th) Business Day after business day following the day of your deposit. In any case, We reserve the right to refuse an item for deposit or encashment.

Longer Delays May Apply. In some cases, we will not make all the funds that you your deposit by check available to you according to the preceding schedule. Depending on the first Business Day after the day type of your check that you deposit. Funds , funds may not be available until the second Business Day fifth business day after the day of your deposit. The first $225 200 of your depositdeposits, however, will be available on the first Business Daybusiness day. If we are not going to make all the funds available from your deposit available on according to the first Business Day after the day of your depositpreceding schedule, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day day after we receive your deposit. If you need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds Funds you deposit by check may be delayed for a longer period under the following circumstances: • > We believe a check you deposit will not be paid; • . > You deposit checks totaling more than $5,525 5,000 on any one (1) day; • . > You redeposit a check that has previously been returned unpaid; • . > You have overdrawn your Account account repeatedly in the last six (6) months; • An emergency exists. > There is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit deposited by check available to you on the first Business Day business day after the day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day business day after the day of your deposit. The If the deposit is being made to a checking account, the first $225 200 of your the deposit, however, will may be available on the first Business Daybusiness day. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositbusiness day, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day day after we receive your deposit. If you will need the funds from a deposit immediatelyright 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 that you deposit will not be paid; . • You deposit checks totaling more than $5,525 5,000 on any one (1) day; . • You redeposit a check that has previously been returned unpaid; . • You have overdrawn your Account account repeatedly in the last six (6) months; . • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit are deposited by check or deposited available to you on the first Business Day after the day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day your deposit is received. However, the first $225.00 of your deposit. The first $225 of your deposit, however, will deposits may be available on the first Business DayDay after your deposit is received. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositDay, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day day after we receive your deposit. If you need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds Funds you deposit by check may be delayed for a longer period under the following circumstancesif: • We (i) we believe a check you deposit will not be paid; • You (ii) you deposit checks totaling more than $5,525 5,525.00 on any one Business Day; (1iii) day; • You you redeposit a check that has previously been returned unpaid; • You (iv) you have overdrawn your Account repeatedly in the last six (6) months; • An emergency existsor (v) there is an event that occurs, which is out of our control such as an interruption of emergency, communications or computer equipment failure, natural disaster, act of terrorism, sanction or restriction against the transaction, or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond event outside our control. 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. Funds They will generally be available no later than the seventh (7th) Business Day after the day of your deposit. Your deposit may encounter delays if required by law.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. The first $225 225.00 of your depositdeposits, however, will be available on the first Business Day. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of we receive your deposit, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you or electronically communicate the notice no later than by the Business Day day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; . • You deposit checks totaling more than $5,525 on any one (1) day; . • You redeposit a check that has previously been returned unpaid; . • You have overdrawn your Account account repeatedly in the last six (6) months; . • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) Business Day after the day of your deposit.

Longer Delays May Apply. Case by Case Delays In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the same business day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day business day (48 hours) after the day and time of your deposit. The first $225 of your deposit, however, will be available on the first Business Daybusiness day (24 hours) after the day and time of your deposit. If we are not going to make all of the funds available from your deposit available on the first Business Day after the same business day of your deposit, deposit we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, employees or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. Safeguard Exceptions In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit deposited will not be paid; . • You deposit checks totaling more than $5,525 5,525.00 on any one (1) day; . • You redeposit a check that has previously been returned unpaid; . • You have overdrawn your Account account repeatedly in the last six (6) months; . • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension communications equipment. • The deposit was made within the first thirty days of payment by another bank, war, weather or an emergency condition beyond our controlopening the new account. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will may not make all of the funds that you deposit by check available to you on by the first Business Day “business day” after the day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day “business day” after the day of your deposit. The first $225 200.00 of your depositdeposits, however, will may be available on the first Business Day“business day”. If we are not going to make all of the funds available from your deposit available on by the first Business Day after the day of your deposit“business day”, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premisesCredit Union, we will send mail you the notice no later than by the Business Day first “business day” after we receive your deposit. If you need the funds from a deposit immediatelyright 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 •We believe a check you deposit will not be paid; • You . •You deposit checks totaling more than $5,525 5,000.00 on any one (1) day; • You . •You/we redeposit a check that has previously been returned unpaid; • You . •You have overdrawn your Account account repeatedly in the last six (6) months; • An . •There is an emergency exists, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) Business Day “busi- ness day” after the day of your deposit or re-deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day business day after the day of your deposit. Funds may not Depending on the type of check that you deposit, funds will generally be available until on the second Business Day day after the day of your deposit. The However, the first $225 of your deposit, however, will deposits may be available on the first Business Daybusiness day. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositbusiness day, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than the Business Day business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds Funds that you deposit by check may be delayed for a longer period under the following circumstances: • Checks deposited via Remote Deposit Capture and proprietary ATM are subject to a two (2) business day hold; • We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,525 on any one (1) day; • You You/we redeposit a check that has previously been returned unpaid; • You have overdrawn your Account account repeatedly in the last six (6) months; or • An There is an emergency exists, such as an interruption a natural disaster, failure of communications or computer or communications equipment, or other equipment facilities, a suspension situations that interrupt the processing of payment by another bank, war, weather or an emergency condition beyond our controlchecks. 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Funds may not be available until the second Business Day after the day of your depositas provided above. The first $225 (or such greater amount as allowed by annual adjustments to Regulation CC) of your deposits will generally be available no later than the first business day after the day of deposit, however, will be available on the first Business Dayand usually immediately. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositbusiness day, we will notify you at the time of you make your deposit deposit; or soon after as reasonably practical and we will tell you when the funds will be available. If your deposit is not made directly through to one of our employees, employees or if we decide to take this action after you leave have left the premises, we will send mail you or electronically deliver the notice no later than by the Business Day next business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; . • You deposit checks totaling more than $5,525 (or such greater amount as allowed by annual adjustments to Regulation CC) on any one (1) day; . • You redeposit a check that has previously been returned unpaid; . • You have overdrawn your Account account repeatedly in the last six (6) months; . • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day after the day of your deposit. Funds Depending on the type of check you deposit, funds may not be available for withdrawal until the second third Business Day after the day of your deposit. The first $225 200 of your deposit may be available no later than the first Business Day after the day of your deposit, however, will be available on the first Business Day. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your deposit, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the first Business Day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,525 5,000 on any one (1) dayBusiness Day; • You redeposit a check that has previously been returned unpaid; • You have overdrawn your Account repeatedly in the last six (6) months; or • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) eighth Business Day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all the funds that you deposit by check available to you on the first Business Day business day after the day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day business day after the day of your deposit. The However, the first $225 of your deposit, however, deposit will be available on the first Business Daybusiness day. If we are not going to make all of the funds available from your deposit available on the first Business Day business day after the day of your deposit, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide it is necessary to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day business day after we receive received your deposit, or on the business day we learn of the reason requiring the delay. If you need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period of time under the following circumstances: • We believe a check you deposit will not be paid; paid • You deposit deposited checks totaling more than $5,525 on any one (1) day; day • You redeposit a check that has previously been returned unpaid; unpaid • You have overdrawn your Account account repeatedly in the last six (6) months; months • An There is an emergency exists, (such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our control. 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the business day of your deposit.

Longer Delays May Apply. Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day business day after the day of your deposit. Funds Depending on the type of check that you deposit, funds may not be available until the second Business Day business day after the day of your deposit. The first $225 of your depositdeposits, however, will be available on the first Business Daybusiness day. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositbusiness day, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; • . You deposit checks totaling more than $5,525 on any one (1) day; • . You redeposit a check that has previously been returned unpaid; • . You have overdrawn your Account account repeatedly in the last six (6) months; • An emergency exists. There is an emergency, such as an interruption failure of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlcommunications 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day same business day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. Funds may not be available until However, the second Business Day after the day of your deposit. The first $225 of your deposit, however, deposit to checking will be available on at least by the first Business Daybusiness day after your deposit is received, unless you have overdrawn your account repeatedly in the last six months, we have reason to doubt collectability of the check, or certain emergency conditions exist. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositsame business day, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through to one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you the notice no later than by the Business Day next business day after we receive your deposit. If you need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,525 on any one (1) day; . • You redeposit deposit a check that has previously been returned unpaid; . • There is an emergency, such as failure of communications or computer equipment. • We believe a check you deposit will not be paid. • You have overdrawn your Account account repeatedly in the last six (6) months; • An emergency exists, such as an interruption of communications or computer or other equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our control. 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. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first Business Day business day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. Funds may not be available until However, the second Business Day after the day of your deposit. The first $225 of your deposit, however, deposit will be available on the first Business Dayimmediately. If we are not going to make all of the funds available from your deposit available on the first Business Day after the day of your depositbusiness day, we will notify you at the time of you make your deposit and deposit. We will also tell you when the funds will be available. If your deposit is not made directly through with one of our employees, or if we decide to take this action after you leave have left the premises, we will send mail you a notice by the notice no later than the Business Day following business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds Funds you deposit by check may be delayed for a longer period period, under the following circumstances: • We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,525 on any one (1) business day; • You redeposit a check that has previously been returned unpaid; • You have overdrawn one or more of your Account accounts repeatedly in the last six (6) months; • An emergency existsThere is an emergency, such as an interruption failure of communications or computer or other communications equipment facilities, a suspension of payment by another bank, war, weather or an emergency condition beyond our controlat the Bank. We will notify you if we delay your ability availability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. Funds They will generally be available no later than the seventh (7th) Business Day business day after the day of your deposit.