Common use of Unavailability of Services Clause in Contracts

Unavailability of Services. I understand and agree that Services may at time be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch or by mailing the original check to you at Census Federal Credit Union, X.X. Xxx 000, Xxxxxxxx, XX 00000-0000. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. Business Day and Availability Disclosure. Your business days are Monday through Friday. Your business hours are 8:00 a.m. to 3:15 p.m. Eastern Standard Time, each business day. Funds Availability Policy. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Washington, District of Columbia. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. General Policy. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we may consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we may consider that the deposit was made on the next business day we are open. Right to hold. Funds that you deposit via Mobile Deposit may be subject to review and our internal check hold policy. Funds may not be available until the third business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the day of your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 in any one day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Deposit. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to Credit Union the CAFCU’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, I acknowledge that I can deposit an original check at your branch branches or through your ATMs or by mailing the original check to you at Census Federal Credit Union0000 Xxxx Xxxxxx Xxxx, X.X. Xxx 000, XxxxxxxxXxxxxxxxxx, XX 00000-0000. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by two business day following rejection. Business Day Days and Availability DisclosureHours. Your business days are Monday through Friday. Your business hours are 8:00 a.m. to 3:15 p.m. Eastern Standard Time, each business day. Class Act FCU Branch Hours and Locations Funds Availability PolicyAvailability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is WashingtonLouisville, District of ColumbiaKentucky. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. General PolicyDeposits received via the Service are processed on our Mobile Deposit business days, which are Monday through Friday, excluding holidays, until 3:00 p.m. Eastern Time; Deposit items that we receive after 3:00 daily will not be deposited to your account until the end of the following business day. For determining the availability of your deposits, every day Deposits made after 3:00 p.m. Eastern Time on a Friday that is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit before 3:00 p.m. at any time on a Saturday, Sunday, or holiday, will not be deposited into your Account until the end of the next business day that we are open, we may consider ; The earliest that day to be the day of your deposit. However, if you make a deposit funds deposited after 3:00 p.m. via the Service will be available for withdrawal or on a day we are not open, we may consider that the deposit was made on the next business day we are open. Right to hold. Funds pay checks that you deposit via Mobile Deposit may have written would be subject to review and our internal check hold policy. Funds may not be available until the third business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the day of your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 in any one day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after on which we receive the day deposit; Check holds or unavailability of your deposit. Foreign checks and bondsthe Service may cause further delays in availability of funds beyond that time. Checks drawn on financial institutions located outside deposited via the U.S. (foreign checks) and bonds canService do not be processed via Mobile Depositfall under the regulatory provisions of Regulation CC - Expedited Funds Availability Act. Accountholder’s Warranties. I make the following warranties and representations with respect As such, longer hold periods may apply to each image of an original check I transmit to you utilizing the Services:these deposited items.

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch branches or through your ATMs or by mailing the original check to you at Census Federal Credit Union, X.X. Xxx 000, Xxxxxxxx000 X Xxxxxx Xx. Xxxxx 0000 Xxxxxxx, XX 00000-0000. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will send notification of items that are rejected by the next business day following rejection. I understand your preferred method for this notification will be email. In addition, I understand that you may add, delete or change the feature or functionality of the Service, at any time, at your discretion. Business Day and Availability Disclosure. Your business days I understand the Services are available Monday through Friday. Your business hours are Friday between 8:00 a.m. to 3:15 p.m. Eastern Standard 4:00 p.m., Central Time, each except during holidays, any other day we are not open for business, or such other hours as established by you from time to time. Transmissions processed after these business hours on a business day, or on any other day that is not a business day are treated as occurring on the next business day. Funds Availability PolicyAvailability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is WashingtonChicago, District of ColumbiaIllinois. With regard to the availability of deposits made using the Services, such funds will be available as set forth belowheld for 2 business days. General PolicyPlease note that the Expedited Funds Availability Act (Reg. For CC) does not apply to deposits made using the Service, thus for determining funds availability, the availability terms of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidaysthis agreement apply. If you make a deposit before 3:00 p.m. on a business day that we are open, we may consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we may consider that the deposit was made on the next business day we are open. Right to hold. Funds that you deposit via Mobile Deposit may be subject to review and our internal check hold policy. Funds may not be available until the third business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the day of your deposit. If you will need the funds from a deposit made available sooner than provided under the deposit right awayService, you should ask please contact us when the funds will be available. Longer delays or visit us at one of our branch locations to discuss additional options that may apply. We may delay the ability to withdraw fund’s deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 in any one day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than to you. Internal Controls and Audit. I understand and agree to adhere to the eleventh business day after internal controls as described in this agreement and further detailed within this section. Furthermore I agree to comply with the day of your deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside Audit requirements prescribed by the U.S. (foreign checks) and bonds cannot be processed via Mobile DepositCredit Union within this Agreement. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to Credit Union the Financial Institution’s system maintenance or technical difficulties including those of the Internet service provider provider, cellular service provider, and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch or by mailing the original check to you at Census Federal Credit Union, X.X. Xxx 000, Xxxxxxxx, XX 00000-0000you. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. Business Day However, you will e-mail notification of items that are rejected by the next business day following rejection. Funds Availability. The total amount posted during each Deposit Session will be credited to your account after each deposit image is verified and Availability Disclosureapproved by SJMCFCU. Your business days are Monday through Friday. Your business hours are 8:00 a.m. The deposit will then be immediately available for use, subject to 3:15 p.m. Eastern Standard Time, each business day. SJMCFCU’s Funds Availability Policy. I understand and agree that, for purposes of SJMCFCU’s Funds Availability Policy. SJMCFCU’s Funds Availability Policy is to make funds from a deposit available on the business day that SJMCFCU receives my deposit. Electronic deposits made using the Services, the place of deposit is Washington, District of Columbia. With regard to the availability of deposits made using the Services, such funds will be available as set forth belowon the day you receive the deposit. General PolicyOnce the funds are available, I may withdraw the funds, and you will use the funds to pay checks that I have written. For determining the availability of your my deposits, every day is a business day, except Saturdays, Sundays, federal holidays and Federal holidaysany other day that you are closed. If My deposits are considered received: the day I deposit the funds at your teller window; or the day you receive my deposit funds in the mail. Longer Delays May Apply In some cases, SJMCFCU will not make a deposit before 3:00 p.m. funds available on a the business day that we are open, we may consider that day to be the day of receive your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we may consider that SJMCFCU reserves the deposit was made on the next business day we are open. Right right to hold. Funds that you deposit via Mobile Deposit may be subject to review and our internal check hold policy. Funds may not be available until the third business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the day of your depositfunds in certain instances. If you will I need the funds from the a deposit right away, you I should ask us SJMCFCU when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited Funds I deposit by check into your account an additional number of days may be delayed for these reasonsa longer period under the following circumstances:  We believe SJMCFCU believes a check you I deposit will not be paid. ;  You I deposit checks totaling more than $5,000 in on any one day. ;  You deposit I redeposit a check that has been returned unpaid. ;  You I have overdrawn your my account repeatedly in the last six months. ;  There is an emergency, such as a failure of communications communication or computer equipment; and/or  I deposit a check(s) into a new account during the first 30 days. We SJMCFCU will notify you me if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They If my deposit is not made directly to one of your employees, or if you decide to take this action after I have left the premises, SJMCFCU will mail me the notice by the day after you receive my deposit. Deposited funds will generally be available no later than the eleventh fifth business day after the day of your my deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Deposit. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to Credit Union the Financial Institution's system maintenance or technical difficulties including those of the Internet service provider provider, cellular service provider, and Internet software. In the event that the Services are unavailable, I l acknowledge that I can deposit an original check at your branch the Beaver Office or by mailing the original check to you at Census Federal Credit Union, X.X. Xxx 000, Xxxxxxxx, XX 00000-0000you. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. Business Day and Availability Disclosure. Your However, you will e-mail notification of items that are rejected by the next business days are Monday through Friday. Your business hours are 8:00 a.m. to 3:15 p.m. Eastern Standard Time, each business dayday following rejection. Funds Availability PolicyAvailability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Washington, District of Columbia. With regard The total amount posted during each Deposit Session will be credited to the availability of Checking Shares (S07) after each deposit Image is verified and approved by West Penn P&P FCU. The deposit will then be immediately available for use, subject to West Penn P&P FCU’s Funds Availability Policy Daily Deadline for Check deposit. The Credit Union’s daily approval process for all checks deposited will be 3:00 PM Monday-Friday, excluding holidays, this is the cut-off time for all deposits. Any deposit after that time will be processed the following business day the credit union is opened. West Penn P&P FCU's Funds Availability Policy West Penn P&P FCU's Funds Availability Policy is to make funds from a deposit available on the business day that West Penn P&P FCU receives my deposit. Electronic deposits made using the Services, such funds will be available as set forth belowon the day you receive the deposit. General PolicyOnce the funds are available, I may withdraw the funds, and you will use the funds to pay checks that I have written. For determining the availability of your my deposits, every day is a business day, except Saturdays, Sundays, Federal holidays and Federal holidaysany other day that you are closed. My deposits are considered received: the day I deposit the funds at your teller windows; the day you receive my deposit funds in the mail. If you I make a deposit before 3:00 p.m. on a business day that we are open, we may consider that day to be the day of your deposit. However, if in our night depository when you make a deposit after 3:00 p.m. or on a day we are not open, we may you will consider that the deposit was to be made on the next business day we that you are open. Right to hold. Funds that you deposit via Mobile Deposit may be subject to review and our internal check hold policy. Funds may Longer Delays May Apply In some cases, West Penn P&P FCU will not be make funds available until on the third business day after the day of that we receive your deposit. However, West Penn P&P FCU reserves the first $200.00 of your deposit will be available on the day of your depositright to hold funds in certain instances. If you will I need the funds from the a deposit right away, you I should ask us West Penn P&P FCU when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited Funds I deposit by check into your account an additional number of days may be delayed for these reasons:  We believe a longer period under the following circumstances West Penn P&P FCU believes a check you I deposit will not be paid.  You ; I deposit checks totaling more than $5,000 in on any one day.  You deposit ; I redeposit a check that has been returned unpaid.  You ; I have overdrawn your my account repeatedly in the last six months.  ; There is an emergency, such as a failure of communications communication or computer equipment. We ; and/or I deposit a check(s) into a new account during the first 30 days West Penn P&P FCU will notify you me if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They If my deposit is not made directly to one of your employees, or if you decide to take this action after I have left the premises, West Penn P&P FCU will mail me the notice by the day after you receive my deposit. Deposited funds will generally be available no later than the eleventh fifth business day after the day of your my deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Deposit. Accountholder’s 's Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to Credit Union your 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, I acknowledge that I can deposit an original check at your branch branches or through your ATMs or by mailing the original check to you at Census Federal Credit UnionP. X. Xxx 00000, X.X. Xxx 000, XxxxxxxxXxxxxxxxxx, XX 00000-0000. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day Days and Availability DisclosureHours. Your For determining the availability of your deposit, every day is a business days day except Saturdays, Sundays and federal holidays. If you make a deposit on a business day that we are Monday through Fridayopen, we will consider that day to be your day of deposit provided the item is not rejected. Your However, if you make a deposit on a day when we are not open, we will consider that the deposit was made on the next business hours day that we are 8:00 a.m. to 3:15 p.m. Eastern Standard Time, each business dayopen. Funds Availability PolicyAvailability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is WashingtonLouisville, District of ColumbiaKentucky. I understand funds availability may be delayed if any item submitted requires additional review before being processed. With regard to the availability of deposits made using the Services, such funds will be available as set forth belowin the funds availability schedule. General Policy. For determining the The funds availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. If you make a deposit before 3:00 p.m. on a business day that we are open, we may consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we may consider that the deposit was made on the next business day we are open. Right to hold. Funds that you deposit via Mobile Deposit schedule may be subject to review and our internal check hold policy. Funds may not be available until the third business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the day of your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited viewed by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 in any one day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Depositclicking here. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original paper check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to Credit Union system your system’s maintenance or technical difficulties including those of the Internet service provider and Internet softwareprovider, mobile network operator or third party applications. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch service centers, through your ATMs that accept deposits or by mailing the original check to you at Census Federal Credit Union, X.X. Xxx 0000000, Xxxxxxxx, XX 00000-0000. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day Days and Availability DisclosureHours. Your business Business days are and hours for Mobile Check Deposits: Monday through – Friday. Your business hours are 8:00 , 9:00 a.m. to 3:15 4:00 p.m. Eastern Standard Timeexcept for Federal Holidays and other closures, each business dayscheduled or unscheduled, that will be made publicly available. Funds Availability PolicyAvailability. I understand and agree that, for purposes of deposits made that items transmitted using the Services, Services are not subject to the place funds availability requirements of deposit is Washington, District of ColumbiaFederal Reserve Board Regulation CC. With regard The Credit Union reserves the right to delay the availability of deposits made using the Services, such funds will be available as set forth below. General Policydeposited to accounts for periods longer than those disclosed in this policy. For determining the availability of your my deposits, every day is a business day, except Saturdays, Sundays, and Federal federal holidays. If you I make a deposit before 3:00 p.m. the “daily cut-off time” on a business day that we you are openopen as set forth above, we may you will consider that day to be the day of your my deposit. However, if you I make a deposit after 3:00 p.m. your “daily cut-off time” or on a day we you are not open, we may I will consider that the deposit was made on the next business day we you are open. Right to hold. Funds that you deposit via Mobile Deposit may deposited using the Services will generally be subject to review and our internal check hold policy. Funds may not be made available until the third in five business day after days from the day of your deposit. HoweverCredit Union may make such funds available sooner based on such factors as credit worthiness, the first $200.00 length and extent of your deposit will be available on my relationship with the day of your deposit. If you will need the funds from the deposit right awayCredit Union, you should ask us when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 in any one day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasonstransaction and experience information, and we will tell such other factors as Credit Union, in its sole discretion, deems relevant. Internal Controls and Audit. I understand and agree to adhere to the Internal Controls as described in this agreement. Furthermore I agree to comply with any audit requirements prescribed by you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Depositwithin this Agreement. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to the Resource One Credit Union Union’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, I acknowledge that I can deposit an original check at your branch branches or through Share Branching or by mailing the original check to you at Census Federal Resource One Credit Union, X.X. Xxx 000P O Box 660077, XxxxxxxxDallas, XX 00000Texas 75266-00000077. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. Your Resource One Credit Union’s business days are Monday through Friday, except holidays. Your business hours for the use of Mobile Deposit are 8:00 a.m. 9:00 am to 3:15 p.m. Eastern 3:00 pm, Central Standard Time, each business day. Funds Availability PolicyAvailability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is WashingtonDallas, District of ColumbiaTexas. With regard to the availability of deposits made using the Services, such funds will be available as set forth below. General Resource One Credit Union reserves the right to extend the hold for a longer period of time as set forth in the “Funds Availability Policy” section of the Truth-in-Savings Disclosure and Account Agreements, a copy of which I received when I opened my membership account and which is also available online for viewing. For determining I and Resource One Credit Union agree that funds availability for items, as images transmitted for deposit are not subject to the availability requirements of your depositsReg CC. Checks deposited via Mobile Deposit will not be available for immediate withdraw and will be subject to review and verification. The length of the hold is counted in business days from the day of the deposit. Business days are Monday through Friday, every day is a business day, except excluding Saturdays, Sundays, Sundays and Federal holidaysHolidays. If you make a the deposit before is made prior to, our cut-off time, 3:00 p.m. pm, Central Standard Time, or on a business day that we are open, we may then Resource One Credit Union will consider that day to be the day of your deposit. HoweverIf the deposit is made after our cut-off time, if you make a deposit after 3:00 p.m. pm Central Standard Time, or on a day we are that Resource One Credit Union is not open, we may consider that the deposit was will be considered made on the next business day we are openthat Resource One Credit Union is opened. Right to holdI understand and agree that receipt of an image does not occur until after you notify me of receipt of the image via the Deposit History feature or the receipt of an email notification. Funds I understand that, in the event I receive a notification from you confirming receipt of an image such notification does not mean that the image contains no errors or that you deposit via Mobile Deposit may be subject to review and our internal check hold policy. Funds may not be available until the third business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the day of your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 in any one day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds are responsible for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Depositinformation I transmit to you. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at time times be temporarily unavailable due to Credit Union system maintenance or technical difficulties including those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branch branches or through Share Branching or your ATM’s or by mailing the original check to you at Census American Broadcast Employees Federal Credit Union, X.X. Xxx 0000000 Xxxxxxx Xxxxxxx, XxxxxxxxXxx Xxxx, XX 00000-0000. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. However, you will email notification of items that are rejected for deposit by the next business day following rejection. Business Day and Availability Disclosure. Your business days are Monday through Friday, except holidays. Your business hours for the use of DeposZip are 8:00 9:00 a.m. to 3:15 p.m. 6:00 p.m., Eastern Standard Time, each business day. Funds Availability Policy. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Washington, District of ColumbiaAvailability. With regard to the availability of deposits made using the Services, such funds will be available held for 2 business days. ABE Federal Credit Union reserves the right to extend the hold for a longer period of time as set forth belowin the “Funds Availability Policy” section of the Truth-in-Savings Disclosure and Account Agreements a copy of which I received when I opened my membership account and which is also available online for viewing. General Policy. For determining I and ABE Federal Credit Union agree that funds availability for items, as images transmitted for deposit are not subject to the availability requirements of your deposits, every Reg CC. Checks deposited via DeposZip will be held for 2 business days. The length of the hold is counted in business days from the day is a business day, except of the deposit. Business days are Monday through Friday excluding Saturdays, Sundays, and Federal holidaysHolidays. If you make a the deposit before 3:00 is made prior to, our cut-off time, 6:00 p.m. Eastern Standard Time on a business day that we are open, we may open then ABE Federal Credit Union will consider that day to be the day of your deposit. HoweverIf the deposit is made after ,our cut-off time, if you make a deposit after 3:00 6:00 p.m. Eastern Standard Time, or on a day we are that ABE Federal Credit Union is not open, we may consider that the deposit was will be considered made on the next business day we are openthat ABE Federal Credit Union is opened. Right to holdI understand and agree that receipt of an image does not occur until after you notify me of receipt of the image via the Deposit History feature and the receipt of an email notification. Funds I understand that, in the event I receive a notification from you confirming receipt of an image such notification does not mean that the image contains no errors or that you deposit via Mobile Deposit may be subject to review and our internal check hold policy. Funds may not be available until the third business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the day of your deposit. If you will need the funds from the deposit right away, you should ask us when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited by check into your account an additional number of days for these reasons:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 in any one day.  You deposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds are responsible for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the eleventh business day after the day of your deposit. Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Depositinformation I transmit to you. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services: