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 calendar days your account is open: • Funds from electronic direct deposits into your account will be available on the day we receive your deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and state and local government checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit), the first $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 or before the seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 calendar days your account is open: • . Funds from electronic direct deposits into your account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on cash, wire transfers, and the first business day after the day we receive the deposit. • The first $5,000 from of a deposit day's total deposits of U.S. Treasury cashier's, certified, teller's, traveler's, and federal government checks, and checks drawn on the Commonwealth of Massachusetts will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks are must be made payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and state and local government checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth fifth business day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $5,000 will not be available until the second business day after the day of your deposit. • Funds from deposits of checks drawn on Washington Savings Bank will be available on the first business day after the day of your deposit. Funds from all other check deposits will be available on or before no later than the seventh fifth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 calendar days your account is open: • . ● Funds from electronic direct deposits into to your account will be available on the day we receive your deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • ● Funds from deposits of wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s ’s, and state federal, state, and local government checks will be available on the first business day after of the day of your deposit if the checks are deposit meets certain criteria (for example, the check must be payable to you). The excess over $5,000 will may not be available on or before until the ninth business day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $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 not be available on or before until the seventh ninth business day after the day of your deposit. Deposits at Automated Teller Machines (ATMs): The first $200 of the funds from any deposits (cash or checks) made at ATMs we do not own or operate will be available on the business day you make the deposit, the rest of the funds will not be available until the fifth business day after the day of your deposit. If we own or operate the ATM the first $200 of the funds from any deposits (cash or check) made will be available on the business day you make the deposit, the rest of the funds will not be available until the next business day. However, funds may not be available until the second business day after the day of your deposit. To locate one of our ATMs visit xxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 calendar days your account is open: • . ● Funds from electronic direct deposits into to your account will be available on the day we receive your deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • ● Funds from deposits of wire transfers, and the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s ’s, and state federal, state, and local government checks will be available on the first business day after of the day of your deposit if the checks are deposit meets certain criteria (for example, the check must be payable to you). The excess over $5,000 will may not be available on or before until the ninth business day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $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 not be available on or before until the seventh ninth business day after the day of your deposit. The first $200 of the funds from any deposits (cash or checks) made at ATMs we do not own or operate will be available on the business day you make the deposit, the rest of the funds will not be available until the fifth business day after the day of your deposit. If we own or operate the ATM the first $200 of the funds from any deposits (cash or check) made will be available on the business day you make the deposit, the rest of the funds will not be available until the next business day. However, funds may not be available until the second business day after the day of your deposit. To locate one of our ATMs visit xxxxxxxxxxxxxxxxxx.xxx/xxxxxxxxx.

Special Rules for New Accounts. If you are do not have a new customerchecking account with us, the following special rules will apply during the first 30 thirty (30) calendar days your account Account is open: • . Funds from deposits of cash made in person to a Bank employee, and funds from electronic direct deposits into your account will be available on the day we receive your deposit. • Funds from wire transfers into your account payments (ACH credits) will be available on the first business day (1st) Business Day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of In addition, the first $5,000 of a day’s 's total deposits of cashier’s's, certified, teller's, traveler’s, traveler’s and state and local government checks will be available on the first business day (1st) Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks are must be directly payable to you and presented to us by you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your the deposit), the first $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 The excess over $5,000 will be available on or before the seventh business day ninth (9th) Business Day after the day of your deposit. Funds from other checks deposited will be available on the sixth (6th) Business Day after the day of deposit. The first $5,000 from a deposit of U.S. Treasury checks will be available on the first (1st) Business Day after the day of the deposit. The rest will be available on the ninth (9th) Business Day after the day of deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 calendar days your account is open: • . Funds from electronic direct deposits into to your account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of cash, wire transfers, and the first $5,000 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s ’s, and state federal, state, and local government checks will be available on the first next business day after the day of your deposit if the checks are payable to youdeposit meets certain conditions. The excess over $5,000 5,000.00 will be available on or before the ninth fifth business day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $5,000 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 or before the seventh fifth business day after the day of your deposit.. 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 deposit. In addition, a total of $400.00 of other funds becoming available on a given day will be available for withdrawal in cash at or after 5:30 p.m. that day. Any remaining funds will be available for withdrawal in cash by the following business day. Foreign Checks. Checks drawn on financial institutions located outside the

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 calendar days your account is open: • . Funds from electronic direct deposits into to your account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of cash, wire transfers, and the first $5,000 5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s ’s, and state 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 are must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,000 5,525 will be available on or before the ninth seventh business day after the day of your deposit. If you do your deposit of these checks (other than a S.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $5,000 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 or before the seventh ninth business day after the day of your deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) automatically have a hold pending verification, and are only accepted at the Rockaway branch, Base drive through, Arsenal branch, Mt. Olive branch and Denville branch. These deposits will generally be available on the 2nd business day after the date of deposit. Deposits made on a weekend or holiday are considered next day deposits. If a longer hold is placed you will be notified in writing as to the reason for the extended hold.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 calendar days your account is open: • Funds from electronic direct deposits into your account will be available on the day we receive your deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 5,525 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 5,525 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of the first $5,000 5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and state and local government checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 5,525 will be available on or before the ninth business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit), the first $5,000 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 or before the seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 calendar days your account Account is open: • . Funds from electronic direct deposits into Direct Deposits to your account Account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of cash, wire transfers and the first $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 no later than the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks are must be payable to youyou and deposited in person to one of our employees. The excess over $5,000 will be available on or before the ninth business day fifth Business Day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $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 or before the seventh business day eighth Business Day after the day of your deposit. For Accounts opened online, funds we obtain by electronic transfer from another institution to open the Account will be available no later than the fifth Business Day after the day your online Account was credited.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 calendar days your account is open: • . Funds from electronic direct deposits into to your account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of cash, wire transfers, and the first $5,000 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s ’s, and state federal, 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 are must be payable to youyou and you may have to use a special deposit slip. The excess over $5,000 5,525.00 will be available on or before the ninth seventh business day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $5,000 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 or before the seventh ninth business day after the day of your deposit.. 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 deposit. In addition, a total of $450.00 of other funds becoming available on a given day will be available for withdrawal in cash at or after 5:30 p.m. that day. Any remaining funds will be available for withdrawal in cash by the following business day. Foreign Checks. Checks drawn on financial institutions located outside the

Special Rules for New Accounts. If you are do not have a new customerretail checking Account with us, the following special rules will apply during the first 30 calendar days your account first checking Account is open: • : (a) Funds from electronic direct deposits into to your account Account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • . (b) Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of cash, wire transfers, and the first $5,000 5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and travelers, state and local government checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day Business Day after the day of your deposit, if the deposit meets certain conditions. For example, the checks must be directly payable to you and presented to us by you. If you do not make the deposit in person to one of our employees (for example, if you mail your the deposit), the first $5,000 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 The excess over $5,525 will be available on or before the seventh business day ninth Business Day after the day of your deposit. Funds from all other checks deposited will be available on the sixth Business Day after the day of deposit. (c) The first $5,525 from a deposit of U.S. Treasury checks will be available on the first Business Day after the day of the deposit. The rest will be available on the ninth Business Day after the day of deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 calendar days your account is open: •  Funds from electronic direct deposits into your account will be available on the day we receive your deposit. •  Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. •  Funds from deposits of cash will be available on the first business day after the day we receive the deposit. •  The first $5,000 5,525 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 5,525 will be available on or before the ninth business day after the day of your deposit. •  Funds from deposits of the first $5,000 5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and state and local government checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 5,525 will be available on or before the ninth business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit), the first $5,000 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 or before the seventh business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 calendar days your account is open: • . Funds from electronic direct deposits into to your account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of cash, wire transfers, and the first $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 are must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $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 or before the seventh ninth business day after the day of your deposit.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 calendar days your account is open: • Funds after you have opened an account. The first $5,525 from electronic direct deposits into your account a deposit of U.S. Treasury checks made in person directly to one of our employees will be available on the first business day we receive after the day of your deposit. • The excess over $5,525 will be available on the ninth business day after the day of your deposit. Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The and first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of the first $5,000 5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and travelers’, state and local government checks, U.S. postal service money orders, checks drawn on a federal reserve bank or federal home loan bank made in person dir ectly to one of our employees will be available on the first business day after the day of your deposit deposit, if the deposit meets certain conditions. For examp le, the checks are must be payable to you. The excess over $5,000 5,525 will be available on or before the ninth business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit)employees, the first $5,000 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will generally be available on or before the seventh ninth business day after the day of your deposit.

Special Rules for New Accounts. ‌ If you are a new customer, the following special rules will may apply during the first 30 calendar thirty (30) days your account is open: • . Funds from electronic direct deposits into to your account will be are available on the day we receive your deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The Funds from deposits of cash, wire transfers, and the first $5,000 from 5,525 of a deposit day’s total deposits of U.S. Treasury cashier’s checks, certified, teller’s, traveler’s, and federal, state, and local government checks will be are available on no later than the first business day after the day of your deposit deposit, if the deposit meets certain conditions. For example, the checks are must be payable to youyou and deposited in person to one of our employees. The excess over $5,000 will be 5,525 is available on or before the ninth business day after the day of your deposit. • Funds from deposits of the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s and state and local government checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before by the ninth business day after the day of your deposit. If you do your deposit of these checks (other than a U.S. Treasury check) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)employees, the first $5,000 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 are generally available on or before by the seventh ninth business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits. Note: A five (5) business day hold will be placed on your initial deposit when the Bank is initiating the transfer via the automated clearing house from your external bank account on your behalf.

Special Rules for New Accounts. If you are a new customeraccount owner, the following special rules will may apply during the first 30 calendar days your account is open: • Funds from electronic direct deposits into and wire transfers to your account will be available on the day we receive your the deposit. • Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer. • Funds from deposits of cash will be available on the first business day after the day we receive the deposit. • The first $5,000 from a deposit of U.S. Treasury checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,000 will be available on or before the ninth business day after the day of your deposit. • Funds from deposits of and the first $5,000 5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s ’s, and state federal, state, and local government checks will be available on by the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks are must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,000 5,525 will be available on or before by the ninth business day Business Day after the day of your deposit. If you do your deposit of these checks (other than U.S. Treasury checks and checks that are drawn on us) is not make the deposit made in person to one of our employees (for example, if you mail your deposit)an FSB employee, the first $5,000 will 5,525 may not be available until the second business day Business Day after the day of your deposit. • Funds from all other check deposits will generally be available on or before no later than the seventh business day fifteenth Business Day after the day of your deposit. We place certain limitations on withdrawals in cash. In general, $225 of a deposit is available for withdrawal in cash on the first Business Day after the day of deposit. In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash no later than 5 p.m. Central Time on that day. Any remaining funds will be available for withdrawal in cash on the following Business Day.