Common use of Special Rules for New Accounts Clause in Contracts

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your deposit.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open. • Funds from electronic direct deposits to your my account will generally be available on the same business day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 will 5,525.00 may not be available on until the ninth (9th) business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will may not be available on until the ninth thirtieth (9th30th) business day after the day of your my deposit.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first thirty (30) 30 days your account Your Account is open. • Funds from electronic direct deposits to your Your account will generally be available on the same business day we We receive the deposit. • Funds from deposits of cash, cash and wire transfers, and transfers will be available on the first $5,525 of business day We receive Your deposit. Funds from a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state state, and local government checks will generally also be available on the first (1st) business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will You and the deposit must be available on the ninth (9th) business day after the day made in person to one of your depositOur employees. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525 funds will not be available until the second (2nd) 1st business day after the day of your Your deposit. • Funds The first $225.00 from all a deposit of other check deposits checks will be available on the ninth (9th) business day We receive Your deposit. The remaining funds will be available on the 5th business day after the day of your Your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • : Funds from electronic direct deposits to your account account, cash and wire transfers will generally be available on the same business day we receive the deposit. • Funds from originated ACH deposits of cash, wire transfers, and may be subject to extended holds. Funds from the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits checks will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on no later than the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will normally be available on the ninth (9th) eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. : • Funds from in person deposits of cash and electronic direct deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check) ), is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the ninth (9th) tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account Account is open. • Funds from electronic direct deposits to your account Account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state and local government checks will generally be available on the first (1st) business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over remaining balance exceeding $5,525 5,000 will be available on the ninth (9th) business day Business Day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day Business Day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day Business Day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your deposit if received provided the deposit meets is made by 2 p.m. and certain conditionsconditions are met. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) second business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit. We reserve the right to refuse any deposit, or to require that the deposit be mad to your savings account.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account Account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and and, if made available, the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state and local government checks will generally be available on the first (1st) same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesassociates, the first $5,525 will 5,000 may not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will may not be available on until the ninth (9th) second business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account Account will generally be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and, if made available, the first $5,000 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state, and local government checks will be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employeesassociates, the first $5,525 will 5,000 may not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will may not be available on until the ninth (9th) second business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account Account is open. • : Funds from cash, electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cashdeposits, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s*, certified*, teller’s*, traveler’s*, and federal, state and local government checks checks, and US Postal Money Orders* will generally be available on the first (1st) business day after the same day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. *See other exceptions above. The excess over $5,525 5,000 will be available on the ninth (9th) 9th business day after the day of your deposit. If your you do not make the deposit of these checks in person (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) 2nd business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the ninth (9th) 9th business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth eleventh (9th11th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first thirty (30) 30 days your account is open. : • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the depositdeposits. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of treasurer’s, cashier’s, teller’s, certified, teller’s, traveler’s, travelers and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youdeposit. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of we receive your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty ninety (3090) days your account is open. • Funds : •Funds from in person deposits of cash and electronic direct deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds •Funds from deposits of cash, wire transfers, transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If •If your deposit of these checks noted above (other than a U.S. Treasury check) ), is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds •Funds from all other check deposits will be available on no later than the ninth (9th) tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are open a new memberaccount, the following special rules will apply during the first thirty (30) days your account is openopen unless every owner on the new account has been a member/customer of the Credit Union for at least 30 days. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on by the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on by the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first thirty (30) days your account Account is open. • Funds from electronic direct deposits to your account Account will generally be available on the same business day we We receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 5,525.00 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’stravelers, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one (1) of our Our employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your transaction account is open. • Funds from cash deposited in person with an employee or at an ATM, electronic direct deposits deposits, and wire transfers to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks deposit must be made in person to one of our employees and the check must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 funds will not generally be available until on the second (2nd) fifth business day after the day of your deposit. • Funds from all other check deposits will generally be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 calendar days your account Account is open. • Funds from electronic direct deposits, incoming wire transfers, and cash deposits to your account made with an employee at a branch location or at a Credit Union owned ATMs/ITMs will generally be available on the same business day that we receive received the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, ’s and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks check must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will generally be available on no later than the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your account my Account is open. • Funds from electronic direct deposits to your my account will generally be available on the same business day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your my deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account Account is open. : • Funds from electronic direct deposits to your account Account will generally be available on the same business day we receive Bank receives the deposit. • Funds from deposits of cash, wire transferstransfer, and the first five thousand five hundred and twenty-five dollars ($5,525 5,525) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). • The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits of checks drawn on Bank will be available on the ninth (9th) first business day after the day of your deposit. Funds from all other check deposits will be available no later than the ninth business day after the day of deposit.

Special Rules for New Accounts. If you are a new member, the following follow ing special rules will may apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally w ill be available on the same business day we receive the deposit. • Funds from deposits of cash, wire w ire transfers, and the first $5,525 5,000 of a day’s ' s total deposits of cashier’s' s, certified, teller’s's, traveler’s' s, and federal, state and local government checks will generally w ill be available on the first (1st) business same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 will 5,000 may be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will 5,000 w ill not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will may generally be available on the ninth (9th) tenth business day after the day of your deposit.

Special Rules for New Accounts. If you are establish a new memberaccount or new membership (assuming you have no other transactional checking account with OCCU), the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, ’s and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks The check(s) must be payable to you. The excess over of $5,525 will be available on for withdrawal not later than the ninth (9th) business day after following the banking day of your depositon which the funds are deposited. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) seventh business day after the day of your deposit. If you have an already established membership or account with us, subsequent accounts may not be subject to special rules.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) next business day after the day of your the deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) tenth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) third business day after you make the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) tenth business day after the day of your deposit. Xxxxxx-Xxxxx City Federal Credit Union reserves the right to hold any check it receives within the first thirty (30) days of opening your account.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • : Funds from electronic direct deposits deposit to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks checks, as well as U.S. Postal Service Money Orders, will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For exampleconditions (e.g., the checks must be payable to you). The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. • The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. The delay for other deposits is determined as follows: • Funds from all other check deposits will Checks may be available on the ninth (9th) held for a maximum of seven business day days after the day of your deposit.. • The first $200 of the deposit may be available for withdrawal immediately. TRANSACTIONS

Special Rules for New Accounts. If you are a new member, or have just opened a checking account, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to into your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’stravelers, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) eighth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds : •Funds from in person deposits of cash and electronic direct deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds •Funds from deposits of cash, wire transfers, transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If •If your deposit of these checks noted above (other than a U.S. Treasury check) ), is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds •Funds from all other check deposits will be available on no later than the ninth (9th) tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If Funds you are deposit by check may be delayed for a new member, the following special rules will apply during the first thirty (30) days longer period if your account is openconsidered a new account (30 days or less). • An account is not considered a new account if you have another account at the Credit Union, which has been open for at least 30 calendar days. Funds from electronic direct deposits to your account will generally be available on the same first business day we receive the deposit. • Funds from deposits the deposit of cash, wire transfers, transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, ’s and federal, state and or local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits The excess over $5,000 will be available on no later than the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth fifteenth (9th15th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state State, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth fifth (9th5th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) fifth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, member or accountholder(s) the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) fifth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, conditions (the checks must be payable to you). The excess over $5,525 5,000 will be available on the ninth second (9th2nd) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s’s checks, certifiedcertified checks, teller’s’s checks, traveler’s’s checks, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth eleventh (9th11th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits checks will generally be available on the ninth (9th) eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account Account is open. opened: • Funds from electronic direct deposits to your account Account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. • The excess over $5,525 will be available on the ninth seventh (9th7th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. deposit.‌‌‌‌ • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your deposit. • Other limitations may apply as set forth in this Agreement.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 calendar days your account Account is open. • Funds from electronic direct deposits, incoming wire transfers, and cash deposits to your account made with an employee at a Store location or at a Credit Union owned ATMs/ITMs will generally be available on the same business day that we receive received the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, ’s and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks check must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will generally be available on no later than the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account Account is open. • Funds from cash and electronic direct deposits to your account Account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government gov- ernment checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a spe- cial deposit slip). The excess over $5,525 5,000.00 will be available on the ninth (9th) seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) calendar days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth seventh (9th7th) business day after the day of your deposityourdeposit.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available added to the Available Balance on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state and local government checks will generally may be available added to the Available Balance on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on added to the Available Balance no later than the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will 5,000 may not be available added to the Available Balance until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on added to the ninth (9th) Available Balance by the seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your account my Account is open. • : Funds from electronic direct deposits to your my account will generally be available on the same business day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 will be available on the ninth (9th) business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your my deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth eleventh (9th11th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account Account is open. : • Funds from electronic direct deposits to your account Account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’stravelers, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth (9th) seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) seventh business day after the day of your deposit. Substitute Checks and Your Rights As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) tenth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account is open. • : Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s’s , certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from deposits of checks drawn on Equitable Bank will be available on the same business day as the day of your deposit. Funds from all other check deposits will be available on the ninth (9th) eleventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) calendar days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth seventh (9th7th) business day after the day of your deposit.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first thirty (30) 30 days your account Your Account is open. • Funds from electronic direct deposits to your Your account will generally be available on the same business day we We receive the he deposit. • Funds from deposits of cash, cash and wire transfers, and transfers will be available on the first $5,525 of business day We receive Your deposit. Funds from a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state state, and local government checks will generally also be available on the first (1st) business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will You and the deposit must be available on the ninth (9th) business day after the day made in person to one of your depositOur employees. If your Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our Our employees, the first $5,525 funds will not be available until the second (2nd) 1st business day after the day of your Your deposit. • Funds The first $225.00 from all a deposit of other check deposits checks will be available on the ninth (9th) business day We receive Your deposit. The remaining funds will be available on the 5th business day after the day of your Your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty ninety (3090) days your account is open. • Funds : •Funds from in person deposits of cash and electronic direct deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds •Funds from deposits of cash, wire transfers, transfers and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If •If your deposit of these checks noted above (other than a U.S. Treasury check) ), is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds •Funds from all other check deposits will be available on no later than the ninth (9th) tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds Availability Policy Disclosure Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • : Funds from electronic direct deposits deposit to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,000 ($5,525 as of July 1, 2020) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks checks, as well as US Postal Service Money Orders, will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For exampleconditions (e.g., the checks must be payable to you). The excess over $5,000 ($5,525 as of July 1, 2020) will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. US Treasury check) is not made in person to one of our employees, the first $5,000 ($5,525 as of July 1, 2020) will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) calendar days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the depositde- posit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits de- posits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit de- posit meets certain conditions. For example, the checks must be payable to you. The excess ex- cess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth seventh (9th7th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your transaction account is open. • Funds from cash deposited in person with an employee or at an ATM, electronic direct deposits deposits, and wire transfers to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits and ACH deposits that we initiate on your behalf to open an account will be available on the ninth (9th) seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5000.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth tenth (9th10th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • : Funds from cash, wire transfers, electronic direct deposits (ACH) and checks drawn on Evergreen Credit Union and payable to your account the member (assuming sufficient available funds), will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on by the ninth (9th) seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. : • Funds from in person deposits of cash and electronic direct deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check) ), is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposityourdeposit. • Funds from all other check deposits will be available on no later than the ninth (9th) tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth fifteenth (9th15th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to into your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federalFederal, state and local government checks will generally be available on the first (1st) business day after the day of receipt of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of receipt of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of receipt of your deposit. • Funds from all other check deposits will be available on the ninth (9th) fifteenth business day after the day of receipt of your deposit. The Policy on Funds Availability is subject to changes mandated by governmental and regulatory agencies.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s's, traveler’s's, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open. • Funds from electronic direct deposits to your my account will generally be available on the same business day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your my deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government govern- ment checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available avail- able on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • : Funds from electronic direct deposits deposit to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks checks, as well as US Postal Service Money Orders, will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For exampleconditions (e.g., the checks must be payable to you). The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. US Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your transaction account is open. • Funds from cash deposited in person with an employee or at an ATM, electronic direct deposits deposits, and wire transfers to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits and ACH deposits that we initiate on your behalf to open an account will be available on the ninth (9th) seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open. • Funds from electronic direct deposits to your my account will generally be available on the same business day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your my deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) calendar days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou and deposited in person by one of our employees. The excess over $5,525 will be available on by the ninth (9th) fifth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to by one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on by the ninth (9th) fifth business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above).

Special Rules for New Accounts. If you are I am a new member, I understand that the following special rules will apply during the first thirty (30) 30 days your account my Account is open. : • Funds from electronic direct deposits to your account my Account will generally be available on the same business day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federalFederal, state State and local government checks will generally be available on by the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. (For example, the checks must be payable to you. me.) • The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 will 5,525.00 may not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your my deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. opened: • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. deposit.‌‌‌ • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. • The excess over $5,525 5,000 will be available on the ninth seventh (9th7th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your deposit.

Special Rules for New Accounts. If you are open a new memberaccount, the following special rules will apply during the first thirty (30) days your account is openopen unless every owner on the new account has been a member/customer of the Credit Union for at least 30 days. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on by the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on by the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are open a new memberaccount, the following special rules will apply during the first thirty (30) days your account is openopen unless every owner on the new account has been a member/customer of the Credit Union for at least 30 days. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state state, and local government checks will generally be available on the first (1st) next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on by the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on by the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government gov- ernment checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open. • Funds from electronic direct deposits to your my account will generally be available on the same business day we you receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your my deposit. If your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our your employees, the first $5,525 5,000.00 will not be available until the second business day after the day of my deposit. Funds from all other check deposits to new accounts may not be available until the eleventh (2nd11th) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your my deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account Account is open. • : - Funds from electronic direct deposits to your account Account will generally be available on the same business day we receive the deposit. • - Funds from deposits of cash, wire transferstransfer, and the first five thousand dollars ($5,525 5,000) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. - The excess over $5,525 of five thousand dollars ($ 5,000 ) will be available on the ninth (9th) business day after the day of your deposit. - If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first five thousand dollars ($5,525 5,000) will not be available until the second (2nd) business day after the day of your deposit. • - Funds from all other check deposits of checks drawn on Bank will be available on the ninth (9th) first business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, postal money orders, and federal, state state, and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth seventh (9th7th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth seventh (9th7th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first frst thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first frst $5,525 5,000 of a day’s total deposits of cashier’s, certifiedcertifed, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first frst (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first frst $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth thirtieth (9th30th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account Account is open. • : – Funds from electronic direct deposits to your account Account will generally be available on the same business day we receive Bank receives the deposit. • – Funds from deposits of cash, wire transferstransfer, and the first five thousand five hundred and twenty-five dollars ($5,525 5,525) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). – The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. – If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • – Funds from deposits of checks drawn on Bank will be available on the first business day after the day of your deposit. Funds from all other check deposits will be available on no later than the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is openafter you have opened an account. • Funds The first $5,525 from electronic direct deposits a deposit of U.S. Treasury checks made in person directly to your account one of our employees will generally be available on the same first business day after the day of your deposit. The excess over $5,525 will be available on the ninth business day after the day of your deposit. Funds from wire transfers into your account will be available on the first business day after the day we receive the deposittransfer. • Funds from deposits of cash, wire transfers, cash and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federaltravelers’, state and a nd local government checks, U.S. postal service money orders, checks drawn on a federal reserve bank or federal home loan bank made in person directly to one of our employees will generally be available on the first (1st) business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. If your you do not make the deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will generally be available on the ninth (9th) business day after the day of your deposit.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open. • Funds from electronic direct deposits to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, conditions (the checks must be payable to you). The excess over $5,525 will be available on the ninth second (9th2nd) business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the ninth (9th) business day after the day of your deposit.