Common use of Unavailability of Services Clause in Contracts

Unavailability of Services. You understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider, and Internet software. In the event that the Services are unavailable, you acknowledge that you can deposit an original check at our branches, or through our ATMs, or by mailing the original check to us at P.O. Box 5909, Texarkana, TX, 75505-5909. It is your sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by us. However, we will email notification of items that are rejected by the next business day following rejection. Business Days. Our business days are Monday through Friday, excluding federal holidays. Funds Availability. You understand and agree that, for purposes of deposits made using the Services, the place of deposit is Texarkana, Texas. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. Funds deposited into accounts may not be available for immediate withdrawal in cash, or to pay checks, debits, or other withdrawals from the account. The length of delay varies depending on the type of deposit and is counted in business days (everyday, except Saturdays, Sundays, & federal holidays) from the day of deposit. IN MOST (BUT NOT ALL) CASES, THE FUNDS FROM A DEPOSIT WILL BE AVAILABLE: Next Day Availability (1st Business Day after Deposit) ▪ U.S. Treasury Check (payable to you) ▪ First $200 of total deposit for local checks 2nd Business Day after Deposit ▪ Local check - All U.S.(non-foreign) checks payable to you that are not listed with “Next Day Availability” ▪ State or local government check (payable to you) ▪ Cashier’s, certified, or teller’s check (payable to you) ▪ Federal Reserve Bank check, Federal Home Loan check (payable to you) Longer delays may apply if you are a new member or for various other reasons.

Unavailability of Services. You understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider, and Internet software. In the event that the Services are unavailable, you acknowledge that you can deposit an original check at our branches, or through our ATMs, or by mailing the original check to us at P.O. Box 5909, Texarkana, TX, 75505-5909. It is your sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by us. However, we will email notification of items that are rejected by the next business day following rejection. Business Days. Our business days are Monday through Friday, excluding federal holidays. Funds Availability. You understand and agree that, for purposes of deposits made using the Services, the place of deposit is Texarkana, Texas. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. Funds deposited into accounts may not be available for immediate withdrawal in cash, or to pay checks, debits, or other withdrawals from the account. The length of delay varies depending on the type of deposit and is counted in business days (everyday, except Saturdays, Sundays, & federal holidays) from the day of deposit. IN MOST (BUT NOT ALL) CASES, THE FUNDS FROM A DEPOSIT WILL BE AVAILABLE: Next Day Availability (1st Business Day after Deposit) ▪  U.S. Treasury Check (payable to you) ▪  First $200 of total deposit for local checks 2nd Business Day after Deposit ▪  Local check - All U.S.(non-foreign) checks payable to you that are not listed with “Next Day Availability” ▪  State or local government check (payable to you) ▪  Cashier’s, certified, or teller’s check (payable to you) ▪  Federal Reserve Bank check, Federal Home Loan check (payable to you) Longer delays may apply if you are a new member or for various other reasons.

Unavailability of Services. You I understand and agree that the Services may at times be temporarily unavailable due to the Financial InstitutionCornerstone CFCU’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider, provider and Internet software. In the event that the Services are unavailable, you I acknowledge that you I can deposit an original check at our your branches, or through our ATMsa Shared Branch Service Center, through your ATMs or by mailing the original check to us you at P.O. Box 5909830, TexarkanaLockport, TX, 75505-5909NY 14095. It is your my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by usyou. However, we you will email notification of items that are rejected by the next business day following rejection. Business DaysDays and Hours. Our Cornerstone CFCU business days are Monday through Friday, 9:00 am – 5:00 pm, excluding federal holidays. Remote deposits made after 3:30 pm on a business day will be processed on the next business day. The credit union’s main office operating hours are: Monday through Thursday - 9:00 am – 5:00 pm. Friday - 9:00 am – 6:00 pm Saturday - 9:00 am – 1:00 pm Contact Information. Mailing Address: 0000 X. Xxxxxxx Xx., X.X. Box 830, Lockport, NY 14094-0830 Email Address: XxxxXxxxxxx@xxxxxxxxxxxxxxxxxxxxxxx.xxx Telephone Number: 000-000-0000 or 000-000-0000 Funds Availability. You I understand and agree that, for purposes of deposits made using the Services, the place of deposit is TexarkanaLockport, TexasNY. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. Cornerstone CFCU Funds deposited into accounts may not be available for immediate withdrawal in cash, or to pay checks, debits, or other withdrawals from the account. The length of delay varies depending Availability Policy Same Day Availability U. S. Treasury Checks and Federal Government Checks Wire Transfers and Electronic Payments Checks drawn on the type of deposit and is counted in business days (everyday, except Saturdays, Sundays, Cornerstone Community Federal Credit Union State & federal holidays) from the day of deposit. IN MOST (BUT NOT ALL) CASES, THE FUNDS FROM A DEPOSIT WILL BE AVAILABLE: Local Government Checks Most Payroll Checks Next Day Availability (1st Business Day after Deposit) ▪ U.S. Treasury Check (payable to you) ▪ First Cashier’s, Certified & Teller Checks Postal Money Orders The first $200 of total deposit for local a day’s deposits of other checks 2nd Business Second Day after Deposit ▪ Availability Local check Checks Longer Delays May Apply - All U.S.(non-foreign) checks payable to you that are not listed with “Next Day Availability” ▪ State or local government check (payable to you) ▪ Cashier’sFor more details, certified, or teller’s check (payable to you) ▪ Federal Reserve Bank check, Federal Home Loan check (payable to you) Longer delays may apply if you are please request a new member or for various other reasonscopy of the Funds Availability Policy.

Unavailability of Services. You understand and agree that the Services may at times be temporarily unavailable due to the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider, cellular service provider, and Internet software. In the event that the Services are unavailable, you acknowledge that you can deposit an original check at our branches, or through our ATMs, or by mailing the original check to us at P.O. Box 5909, Texarkana, TX, 75505-5909. It is your sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by us. However, we will email notification of items that are rejected by the next business day following rejection. Business Days. Our business days are Monday through Friday, excluding federal holidays. Funds Availability. You understand and agree that, for purposes of deposits made using the Services, the place of deposit is Texarkana, Texas. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. Funds deposited into accounts may not be available for immediate withdrawal in cash, or to pay checks, debits, or other withdrawals from the account. The length of delay varies depending on the type of deposit and is counted in business days (everyday, except Saturdays, Sundays, & federal holidays) from the day of deposit. IN MOST (BUT NOT ALL) CASES, THE FUNDS FROM A DEPOSIT WILL BE AVAILABLE: Next Day Availability (1st Business Day after Deposit) ▪ U.S. Treasury Check (payable to you) ▪ First $200 of total deposit for local checks 2nd Business Day after Deposit ▪ Local check - All U.S.(nonU.S. (non-foreign) checks payable to you that are not listed with “Next Day Availability” ▪ State or local government check (payable to you) ▪ Cashier’s, certified, or teller’s check (payable to you) ▪ Federal Reserve Bank check, Federal Home Loan check (payable to you) Longer delays may apply if you are a new member or for various other reasons.