Common use of Special Rules for New Accounts Clause in Contracts

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from deposits drawn on us, 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from deposits drawn on us, 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 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 be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 may not be available until the second business day after the day of your deposit. Funds from all other check deposits will may not be available on until the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSATM deposit functionality may be limited for temporary access devices issued for new deposit accounts.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 5000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on no later than the 9th eleventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. : > Funds from electronic direct deposits deposits, cash, and wire transfer to your account will be available on the day we receive the deposit. Funds from deposits drawn on us, wire transfers, and the deposit > 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). > The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 6,000 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 first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 6,000 will be available on the ninth 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 6,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’scashiers’, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits into your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkchecks) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the 9th fifteenth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required 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 no later than the 9th fifteenth (15th) business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 sixty (60) days your account is open. Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 5,000.00 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 be available on the first business same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000.00 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSThe Credit Union reserves the right to deposit into a share savings account, which is not subject to Regulation CC, and can impose delayed availability of up to thirty (30) days.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th eleventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSTRUTH-IN-SAVINGS DISCLOSURE CTB FLAT FEE CHECKING ACCOUNT Minimum balance to open the account - You must deposit $50.00 to open this account.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available availab- le 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 no later than the 9th business fifteenth (15th) bu- siness day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open. Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits into your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSError Notification, Correction and Resolution

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. :  Funds from electronic direct deposits deposits, cash, and wire transfer to your account will be available on the day we receive the deposit. Funds from deposits drawn on us, wire transfers, and the deposit  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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip).  The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply appl during the first 30 days your account is open. Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will may not be available on until the 9th second business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th eleventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customerChecking Account Customer, the following special rules will apply during the first 30 days your account Account is open. Funds from cash, wire transfers, electronic direct deposits and other electronic transfers to your Account will be available on the day we receive the deposit. Funds from deposits drawn on us, wire transfers, and the The first $5,525 5,000 of a day’s days total deposits of cashier’scashiers, certified, teller’stellers, traveler’stravelers, and federal, state and local government checks will be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, certain conditions may include the checks must be check made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on It may take up to the ninth business day (9th) Business Day after the day of your depositdeposit for the excess over $5,000 to be available for withdrawal. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to through one of our employees, the first $5,525 5,000 will not be available until the second business day (2nd) Business Day after the day of your deposit. Funds from all other check deposits will may not be available on until the 9th business day ninth (9th) Business Day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire 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 state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). 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 9th second (2nd) business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 5000 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 first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (( and you may be required have to use a special deposit slip). The excess over $5,525 5000 will be available on the ninth 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 will not be available until the second business day after the day of your deposit. Funds from all The delay for other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSis determined as follows:

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th eleventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on no later than the 9th eleventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. ATM deposits will not be available until the third business day after the day of deposit. All deposits are subject to verification and longer delays may apply. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. : Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire 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’s, 's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,525.00, will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSIroquois Federal Savings and Loan Account to Account Transfer Terms of Service Last updated May 10, 2023 GENERAL TERMS FOR EACH SERVICE

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, ’s certified, teller’s, ’s traveler’s, ’s and federal, state and local government checks will be available on the first business day after the day of your deposit if the your deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. If your you 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 business day after the day of your deposit. Funds from all other check deposits deposit will be available on the 9th fourth (4th) business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. :  Funds from electronic direct deposits deposits, cash, and wire transfer to your account will be available on the day we receive the deposit. Funds from deposits drawn on us, wire transfers, and the deposit  The first $5,525 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip).  The excess over $5,525 will be available on the ninth 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 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000.00 will be available on no later than the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on no later than the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th eleventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will may apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will may be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. ‌ If you are a new customer, the following special rules will apply during the first thefirst 30 days your daysyour account is open. Funds from electronic direct deposits to your account will be available on the day we receive the depositreceivethe deposit . Funds from deposits drawn on usof 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 be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditionsconditions . For example, the checks must be made payable to you (and you may be required have to use a special deposit slip)) . The excess over $5,525 will be available on the ninth business day Business Day after the day of your depositdeposit . If your deposit of these checks (other than a U.S. 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 business day Business Day after the day of your depositdeposit . Funds from all other check deposits will be available on the 9th business day ninth Business Day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSdeposit .

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is openopen . Funds from electronic direct deposits to your account will be available on the day we receive the depositdeposit . Funds from deposits drawn on usof 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 state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditionsconditions . For example, the checks must be made payable to you (and you may be required have to use a special deposit slip)) . The excess over $5,525 5,000 will be available on the ninth business day after the day of your depositdeposit . If your deposit of these checks (other than a U.S. 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 business day after the day of your depositdeposit . Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSdeposit .

Special Rules for New Accounts. If you You are a new customer, the following special rules will apply during the first 30 days your account Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day we We receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 5,000.00 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 be available on the first business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you You (and you You may be required have to use a special deposit slip). The excess over $5,525 5,000.00 will be available on the ninth business day after the day of your Your deposit. 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 5,000.00 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your Your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customerclient, the following special rules will apply during the first 30 first thirty (30) calendar days your account Account is open. Funds from cash, wire transfers, electronic direct deposits and other electronic transfers to your Account will be available on the day Business Day we receive the deposit. Funds from deposits drawn on us, wire transfers, and the first The first $5,525 of a day’s total deposits of cashier’s, certifiedcertified, teller’s, traveler’s, and federal, state and local government checks will be available on the first business day first Business Day after the day of your deposit if the deposit meets certain conditions. For example, certain conditions may include the checks must be check made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on It may take up to the ninth business day Business Day after the day of your depositdeposit for the excess over $5,525 to be available for withdrawal. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to through one of our employees, the first first $5,525 will not be available until the second business day Business Day after the day of your deposit. Funds from all other check deposits will may not be available on until the 9th business day ninth Business Day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 of a day’s total deposits of cashierCashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, tellerxxxxxx’s, traveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 5th 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 made available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the 9th 5th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. : Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 5,000.00 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000.00 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits will be available on the day we receive the deposit. Funds from deposits drawn on us, 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSSubStitute CheCkS and Your rightS

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 5th 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 5,000 will not be made available until the second 2nd business day after the day of your deposit. Funds from all other check deposits will be available on the 9th 5th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open. Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 30 days your Your account is open. Funds from electronic direct deposits to Your account will be available on the day we We receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your Your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you You (and you You may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your Your deposit. 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 will not be available until the second business day after the day of your Your deposit. Funds from all other check deposits will be available on the 9th eleventh business day after the day of your Your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth seventh (7) business day after the day of your deposit. If your deposit of these the 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 (2) business day after the day of your deposit. Funds from all other check deposits checks deposited will be available on the 9th ninth (9) business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, transfers and the first $5,525 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required 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 no later than the 9th fifteenth (15th) business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s, traveler’s, 's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth sixth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 days your account is openopened. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth first 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th business day second Business Day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth seventh (7) business day after following the banking 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 (2) business day after following the banking day of your deposit. Funds from all other check deposits checks deposited will be available on the 9th tenth (10) business day after following the banking day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 days your account is open. :  Funds from electronic direct deposits and funds (wire) transfers to your account will be available on the day we receive the Bank receives the deposit.  Funds from the first $5,000 of a day's total deposits of U.S. Treasury checks will be available on the first Business Day after the day of your deposit. The excess over $5,000 will be available to you no later than the ninth Business Day after the day of your deposit.  Funds from deposits drawn on us, wire transfers, of cash and the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s, traveler’s's, and federal, federal state and local government checks will be available on the first business day Business Day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on to you no later than the ninth 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 an employee of our employeesthe Bank, the first $5,525 5,000 will not be available until the second business day Business Day after the day of your deposit. Funds from all other check deposits will be available on to you no later than the 9th business day after ninth Business Day following the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 thirty (30) days your account is open. : • Funds from electronic direct deposits and funds (wire) transfers to your account will be available on the day we receive the Bank receives the deposit. • Funds from the first $5,000 of a day's total deposits of U.S. Treasury checks will be available on the first Business Day after the day of your deposit. The excess over $5,000 will be available to you no later than the ninth Business Day after the day of your deposit. • Funds from deposits drawn on us, wire transfers, of cash and the first $5,525 5,000 of a day’s 's total deposits of cashier’s, cashier's,certified, teller’s, traveler’s's, and federal, federal state and local government checks will be available on the first business day Business Day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on to you no later than the ninth 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 an employee of our employeesthe Bank, the first $5,525 5,000 will not be available until the second business day Business Day after the day of your deposit. Funds from all other check deposits will be available on to you no later than the 9th business day after ninth Business Day following the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 of a day’s day’s total deposits of cashier’scashier’s, certified, teller’steller’s, traveler’straveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 (thirty) days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof cash, wire transfers, and the first $5,525 5,000 of a day’s total deposits deposit of cashier’s, certified, teller’s, traveler’s, ’s and federal, state and local government checks will be available to you on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your account Account is open. Funds from electronic direct deposits EFTs to your Account will generally be available on the day we receive the deposit. Funds from deposits drawn on usdeposit 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 Checks will be available on the first business same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks Checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,525.00 will be available on or before the ninth business day Business Day after the day of your deposit. If your deposit of these checks Checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first $5,525 will 5,525.00 may not be available until the second business day Business Day after the day of your deposit. Funds from all other check Check deposits will be available on or before the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the 9th fifth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th tenth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from cash deposits or electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on us, of wire 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 state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000.00 will be available on the ninth 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 one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. Funds from all other check deposits will be available on the 9th fifth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSEven after funds from your check deposits are available and you have withdrawn them, you are responsible if the deposited checks are returned unpaid. We may charge such checks back to your account.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th ninth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on no later than the 9th tenth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTSPersonal Connections. Powerful Solutions. Member FDIC / Member SIF

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account Account is open. Funds from cash and electronic direct deposits to your Account will be available on the day we receive the deposit. Funds from deposits drawn on us, of 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 checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000.00 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th seventh business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits drawn on usof 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 be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may be required have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth 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 business day after the day of your deposit. Funds from all other check deposits will be available on the 9th tenth business day after the day of your deposit. SUBSTITUTE CHECKS AND YOUR RIGHTS.