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 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 of cash, wire transfers, and the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You you are a new member, the following special rules will apply during the first 30 thirty (30) days Your Account your account is open. Funds from electronic direct deposits to Your Account your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, traveler'sU.S. Postal Money Orders, and federal, state state, and local government checks will be available on the 1st next business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The excess over $5,525.00 will be available on the 9th 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 $5,525.00 Deposits at Automated Teller Machines - Funds from any deposits (cash or checks) made at automated teller machines (ATM’s) we own or operate will not be available until on the 2nd second business day after the day of Your deposit. Funds from all other check deposits However, at least the first $225.00 of a deposit will be available on the 11th first business day after the day of Your deposit. ATM DepositsLonger delays may apply as noted above. For deposits made at ATMs owned and operated by Foreign Checks - Checks drawn on financial institutions located outside of the Credit Union, deposits will become available for withdrawal on U.S. (foreign checks) cannot be processed the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified same as Our machines.checks drawn on

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $5,525.00 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 be available on the 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 $5,525.00 5,000.00 will be available on the 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 $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, transfers and the first $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 be available on the 1st first business day after the day of Your deposit We receive the deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, transfers and the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You you are a new member, 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 your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 1st next business day after the day of Your 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 $5,525.00 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury checkDeposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of Our employees, the first $5,525.00 own or operate will not be available until the 2nd fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is available for withdrawal in cash by the first business day after the day of Your deposit. Funds from all In addition, a total of $450.00 of other check deposits funds becoming available on a given day will be available on the 11th business day for withdrawal in cash at or after the day of Your deposit4:30 p.m. that day. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits Any remaining funds will become be available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated in cash by the Credit Union, deposits will become available for withdrawal following business day. Foreign Checks. Checks drawn on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.financial institutions located outside the

Special Rules for New Accounts. If You you are a new member, the following special rules will apply during the first 30 days Your your Account is open. Funds from electronic direct deposits to Your your Account will be available on the day We receive effective date of the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 1st first business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The excess over $5,525.00 5,000 will be available on the 9th 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 $5,525.00 5,000 will not be available until the 2nd second business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th ninth business day after the day of Your your deposit. ATM DepositsHolds on Other Funds (Check Cashing): If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your Account. For deposits made Those funds will be available at ATMs owned and operated by the Credit Union, deposits will become time funds from the check we cashed would have been available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machinesif you had deposited it.

Special Rules for New Accounts. If You you are a new member, 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 your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 1st next business day after the day of Your 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 $5,525.00 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury checkDeposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of Our employees, the first $5,525.00 own or operate will not be available until the 2nd fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is available for withdrawal in cash by the first business day after the day of Your deposit. Funds from all In addition, a total of $450.00 of other check deposits funds becoming available on a given day will be available on the 11th business day for withdrawal in cash at or after the day of Your deposit4:00 p.m. that day. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits Any remaining funds will become be available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated in cash by the Credit Union, deposits will become available for withdrawal following business day. Foreign Checks. Checks drawn on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.financial institutions located outside the

Special Rules for New Accounts. If You you are a new member, 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 your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,525 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 1st next business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The excess over $5,525.00 5,525 will be available on the 9th 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 $5,525.00 will not be available until the 2nd second business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th eleventh business day after the day of Your your deposit. ATM Deposits. For Funds from any deposits (cash or checks) made at ATMs owned and operated by automated teller machines (ATMs) we do not own or operate will not be available until the Credit Union, deposits will become available for withdrawal on the 2nd fifth business day following after the day date of your deposit. For deposits made This rule does not apply at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of depositthat we own or operate. All ATMs that We we own or operate are identified as Our our machines. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, transfers and the first $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 be available on the 1st business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following after the day of We receive Your deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You you are a new member, 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 your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 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 1st next business day after the day of Your 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 $5,525.00 5,000.00 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury checkDeposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of Our employees, the first $5,525.00 own or operate will not be available until the 2nd second business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. of 13 Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is available for withdrawal in cash by the first business day after the day of Your deposit. Funds from all other check deposits Any remaining funds will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated for withdrawal in cash by the Credit Union, deposits will become available for withdrawal following business day. Foreign Checks. Checks drawn on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.financial institutions located outside the

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits and wire transfers to Your Account will be available on the day We receive the deposit. Funds from deposits of cashcash will be available on the business day We receive the deposit if the deposit meets certain conditions. For example, wire transfersthe deposit must be made in person to one of Our employees. If Your deposit of cash is not made in person to one of Our employees, and the funds will not be available until the 1st business day after the day of Your deposit. Funds from deposits of the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.for

Special Rules for New Accounts. If You you are a new member, 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 your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 1st next business day after the day of Your 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 $5,525.00 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury checkDeposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of Our employees, the first $5,525.00 own or operate will not be available until the 2nd fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $225.00 of a deposit is available for withdrawal in cash by the first business day after the day of Your deposit. Funds from all In addition, a total of $450.00 of other check deposits funds becoming available on a given day will be available on the 11th business day for withdrawal in cash at or after the day of Your deposit5:00 p.m. that day. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits Any remaining funds will become be available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated in cash by the Credit Union, deposits will become available for withdrawal following business day. Foreign Checks. Checks drawn on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.financial institutions located outside the

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $5,525.00 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 be available on the 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 $5,525.00 5,000.00 will be available on the 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 $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made Deposits are not accepted at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You you are a new member, 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 your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 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 1st next business day after the day of Your 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 $5,525.00 5,000.00 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury checkDeposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of Our employees, the first $5,525.00 own or operate will not be available until the 2nd fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is available for withdrawal in cash by the first business day after the day of Your deposit. Funds from all In addition, a total of $400.00 of other check deposits funds becoming available on a given day will be available on for withdrawal in cash after closing the 11th business day after the day end of Your depositthat day. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits Any remaining funds will become be available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated in cash by the Credit Union, deposits will become available for withdrawal following business day. Foreign Checks. Checks drawn on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.financial institutions located outside the

Special Rules for New Accounts. If You you are a new member, the following special rules will apply during the first 30 thirty (30) days Your Account your account is open. : Funds from electronic direct deposits to Your Account your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 checks, will be available on the 1st first business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The Any excess funds over $5,525.00 5,000 will be available on the 9th 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 $5,525.00 5,000 will not be available until the 2nd second business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th ninth business day after the day of Your your deposit. ATM Deposits6. For Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or check) made at ATMs owned and operated by we do not own or operate will not be available until five (5) business days after the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day date of deposit. For deposits made at This limit does not apply to ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of depositwe own or operate. All ATMs that We we own or operate are identified as Our machines.identified

Special Rules for New Accounts. If You are a new member, 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 of cash, cash and wire transfers, and transfers will be available on the day We receive Your deposit. Funds from the first $5,525.00 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 be available on the 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 $5,525.00 5,000.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, transfers and the first $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 be available on the 1st business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. If You make an ATM deposit prior to 5:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make an ATM deposit after 4:59 p.m. or on a day that We are not open, We will consider the deposit made on the next business day We are open. For deposits made at ATMs Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 2nd second business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machinesdeposit .

Special Rules for New Accounts. If You you are a new member, 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 your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 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 1st next business day after the day of Your 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 $5,525.00 5,000.00 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury checkDeposits at Non-Proprietary ATMs. Funds from any deposits (cash or checks) is made at automated teller machines (ATMs) we do not made in person to one of Our employees, the first $5,525.00 own or operate will not be available until the 2nd fifth business day after the date of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Cash Withdrawal Limitation. We place certain limitations on withdrawals in cash. In general, $200.00 of a deposit is available for withdrawal in cash by the first business day after the day of Your deposit. Funds from all In addition, a total of $400.00 of other check deposits funds becoming available on a given day will be available on the 11th business day for withdrawal in cash at or after the day of Your deposit4:30 p.m. that day. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits Any remaining funds will become be available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated in cash by the Credit Union, deposits will become available for withdrawal following business day. Foreign Checks. Checks drawn on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.financial institutions located outside the

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 5,525 will be available on the 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 our employees, the first $5,525.00 5,525 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. If You make an ATM deposit prior to 3:00 p.m. PST on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make an ATM deposit after 3:00 p.m. PST or on a day that We are not open, We will consider the deposit made on the next business day We are open. For deposits made at ATMs Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 2nd 1st business day following the day of deposit. For deposits made at ATMs Automated Teller Machines (ATMs) not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.subject to delayed availability will

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $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 also be available on the 1st business day after the day of We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit Yourdeposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You you are a new member, the following special rules will may apply during the first 30 days Your Account your account is open. Funds from electronic direct deposits to Your Account your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first ($5,525.00 5,525 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 1st next business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The excess over ($5,525.00 5,525) will be available on the 9th 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 ($5,525.00 5,525.00) will not be available until the 2nd second business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th tenth business day after the day of Your your deposit. ATM Deposits. For Funds from any deposits (cash or checks) made at ATMs owned and operated by automated teller machines (ATMs) we do not own or operate might not be available until the Credit Union, deposits will become available for withdrawal on the 2nd fifth business day following after the day date of your deposit. For deposits made This rule does not apply at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of depositthat we own or operate. All ATMs that We we own or operate are identified as Our our machines. Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which it is drawn.

Special Rules for New Accounts. If You are a new member, 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 of cash, wire transfers, and the first $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 be available on the 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 $5,525.00 will be available on the 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 $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 30th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.