Common use of National Credit Union Share Insurance Fund Clause in Contracts

National Credit Union Share Insurance Fund. Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. The following fee may be assessed against your account: Draft printing (fee depends on style and number of drafts ordered). Please refer to our separate fee schedule for additional information about other service charges. Your Ability to Withdraw Funds‌ FUNDS AVAILABILITY REG CC Our policy is to make funds from your deposits available on the next business day after the day of deposit. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Legal Holidays. Transactions conducted at branches with Saturday hours are considered Monday’s business day. The Credit Union’s business day is from the time the branch opens until the branch closes. Transactions performed after the end of the business day indicated will be considered received as of the next business day. Same‐Day Availability Funds deposited into your account by the following methods will be available on the day we receive the deposit: • Funds from electronic direct deposits. • Wire transfers • Cash • U.S. Treasury 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. • Federal Reserve Bank checks, Federal Home Loan Bank checks, Traveler’s Checks, and postal money orders, if these items are payable to you. 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 after we receive 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. 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 of your deposits, however, may be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

National Credit Union Share Insurance Fund. Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. The following fee may be assessed against your account: Draft printing (fee depends on style and number of drafts ordered). Please refer to our separate rate sheet for current dividend rate and annual percentage yield information and to our separate fee schedule for additional information about other service charges. Your Ability to Withdraw Funds‌ FUNDS AVAILABILITY REG CC POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS AT THE CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION. General Policy. Our policy is to make funds from your cash and check deposits available to you on the next first business day after the day of deposit. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of that we receive your deposit. Every day is a business day except Saturdays, Sundays, and Legal Holidays. Transactions conducted at branches with Saturday hours are considered Monday’s business day. The Credit Union’s business day is from the time the branch opens until the branch closes. Transactions performed after the end of the business day indicated will be considered received as of the next business day. Same‐Day Availability Funds deposited into your account by the following methods Electronic direct deposits will be available on the day we receive the deposit: • Funds from electronic direct deposits. • Wire transfers • Cash • U.S. Treasury Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that are payable to youyou have written. • State and local government checks that are payable to you. • Cashier’sFor determining the availability of your deposits, certifiedevery day is a business day, except Saturdays, Sundays, and teller’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, Traveler’s Checks, and postal money orders, if these items are payable to youfederal holidays. If you do not make a deposit before 3:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit in person to one of our employees (for exampledeposit. However, if you mail make a deposit after 3:30 p.m. or on a day we are not open, we will consider that the deposit), funds from these deposits will be available after deposit was made on the next business day we receive your depositare open. Longer Delays May Apply - Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the first next business day after the day of we receive your deposit. Depending on the type of check that you deposit, funds Funds may not be available until the second business day after the day of your deposit. The However, the first $225 of your deposits, however, may deposit will be available on the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first next 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 by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

National Credit Union Share Insurance Fund. Member accounts in this credit union are federally insured by the National Credit Union Share Insurance Fund. The following fee may be assessed against your account: Draft printing (fee depends on style and number of drafts ordered). Please refer to our separate rate sheet for current dividend rate and annual percentage yield information and to our separate fee schedule for additional information about other service charges. Your Ability to Withdraw Funds‌ FUNDS AVAILABILITY REG CC POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS AT THE CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION. General Policy. Our policy is to make funds from your cash and check deposits available to you on the next first business day after the day of deposit. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of that we receive your deposit. Every day is a business day except Saturdays, Sundays, and Legal Holidays. Transactions conducted at branches with Saturday hours are considered Monday’s business day. The Credit Union’s business day is from the time the branch opens until the branch closes. Transactions performed after the end of the business day indicated will be considered received as of the next business day. Same‐Day Availability Funds deposited into your account by the following methods Electronic direct deposits will be available on the day we receive the deposit: • Funds from electronic direct deposits. • Wire transfers • Cash • U.S. Treasury Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that are payable to youyou have written. • State and local government checks that are payable to you. • Cashier’sFor determining the availability of your deposits, certifiedevery day is a business day, except Saturdays, Sundays, and teller’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, Traveler’s Checks, and postal money orders, if these items are payable to youfederal holidays. If you do not make a deposit before 3:30 p.m. on a business day that we are open, we will consider that day to be the day of your deposit in person to one of our employees (for exampledeposit. However, if you mail make a deposit after 3:30 p.m. or on a day we are not open, we will consider that the deposit), funds from these deposits will be available after deposit was made on the next business day we receive your depositare open. Longer Delays May Apply - Reservation of Right to Hold. In some cases, we will not make all of the funds that you deposit by check available to you on the first next business day after the day of we receive your deposit. Depending on the type of check that you deposit, funds Funds may not be available until the second business day after the day of your deposit. The However, the first $225 200 of your deposits, however, may deposit will be available on the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first next 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 by the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.