Common use of PROCESSING TIMEFRAMES FOR INTERNAL TRANSFERS Clause in Contracts

PROCESSING TIMEFRAMES FOR INTERNAL TRANSFERS. For the purposes of processing real‐time transactions, Internal Transfers will update your available balance immediately upon completion of the Internal Transfer regardless of the day or time. This means that you will have access to these funds via electronic transactions such as ATM withdrawals and ATM/debit card point‐of‐ sale purchases as soon as the transfer has been successfully completed. This does not necessarily mean that these Internal Transfers will be available for the purpose of paying transactions in nightly processing. Nightly processing occurs at the end of every Business Day. Checks, miscellaneous debits, service charges and fees, returned deposited items, wire transfers, ACH withdrawals, money market withdrawals, account closing withdrawals and loan payments, collectively “Nightly Items,” are paid during nightly processing. The availability of Internal Transfers to cover Nightly Items, is determined by the day and time the Internal Transfer is successfully completed. Internal Transfers performed BEFORE 10:00 PM on a Business Day: These funds will be eligible to cover Nightly Items in that day’s nightly processing window unless those funds are removed by a transaction, performed by You, in advance of the completion of nightly processing. This means that funds transferred before 10:00 PM, which remain in your account during nightly processing, will be reflected in the balance we use to pay the Nightly Items listed above. Internal Transfers performed AFTER 10:00 PM on a Business Day or on a non‐Business Day: These funds will not be available to cover that day’s Nightly Items and will instead be available to cover transactions on the next Business Day unless those funds are removed by You in advance of the next nightly processing window. A Business Day is Monday through Friday and does not include Saturdays, Sundays, or Federal Reserve holidays. To ensure timely credit for a loan payment, you should schedule an Internal Transfer from your checking or savings account at least one Business Day before the loan payment due date.

PROCESSING TIMEFRAMES FOR INTERNAL TRANSFERS. For the purposes of processing real‐time transactions, Internal Transfers will update your available balance immediately upon completion of the Internal Transfer regardless of the day or time. This means that you will have access to these funds via electronic transactions such as ATM withdrawals and ATM/debit card point‐of‐ sale purchases as soon as the transfer has been successfully completed. This does not necessarily mean that these Internal Transfers will be available for the purpose of paying transactions in nightly processing. Nightly processing occurs at the end of every Business Day. Checks, miscellaneous debits, service charges and fees, returned deposited items, wire transfers, ACH withdrawals, money market withdrawals, account closing withdrawals and loan payments, collectively “Nightly Items,” are paid during nightly processing. The availability of Internal Transfers to cover Nightly Items, is determined by the day and time the Internal Transfer is successfully completed. Internal Transfers performed BEFORE 10:00 PM on a Business Day: These funds will be eligible to cover Nightly Items in that day’s nightly processing window unless those funds are removed by a transaction, performed by You, in advance of the completion of nightly processing. This means that funds transferred before 10:00 PM, which remain in your account during nightly processing, will be reflected in the balance we use to pay the Nightly Items listed above. Internal Transfers performed AFTER 10:00 PM on a Business Day or at any time on a non‐Business Day: These funds will not be available to cover that day’s Nightly Items and will instead be available to cover transactions on the next Business Day unless those funds are removed by You in advance of the next nightly processing window. A Business Day is Monday through Friday and does not include Saturdays, Sundays, or Federal Reserve holidays. To ensure timely credit for a loan payment, you should schedule an Internal Transfer from your checking or savings account at least one Business Day before the loan payment due date.