Common use of When Your Deposit Is Received Clause in Contracts

When Your Deposit Is Received. If you make a deposit with a banker at a branch on a business day, we will consider that day to be the day of your deposit. If you make a deposit on a business day before our cutoff time at a Chase ATM, we will consider that day to be the day of your deposit. However, if you make a deposit on a day that is not a business day, or make an ATM deposit after the ATM cutoff time, we will consider the deposit to have been made on the next business day. • For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. • For deposits and transfers at most ATMs, the cutoff time is 11 p.m. Eastern Time (8 p.m. Pacific Time). For ATMs with an earlier cutoff, the ATM screen will notify you of the cutoff time. • Deposits placed in a night depository are considered received when we remove them from the night depository; we will remove deposits no later than the next business day. • Branches in some locations may be closed on business days in observance of a state holiday or because of an emergency, and deposits made at a night depository when those branches are closed will be considered received on the next business day when the branch is open. • We will not accept cash deposits by mail. Check deposits made by mail should be addressed to: National Bank By Mail PO Box 6185 Westerville, OH 43086 All deposits made by mail and addressed to any other Chase facility may be forwarded to the National Bank By Mail facility in Westerville, Ohio, and will be considered received on the date the deposit is received by that facility. For all accounts other than Chase Analysis Business Checking (with or without Interest): Wire transfers, electronic direct deposits and cash deposits will be available on the day we receive your deposit. Except as described later in this policy, when you make other deposits, the funds are available on the first business day after the day we receive your deposit. In most cases when you deposit checks drawn on a Chase account: • Deposits made with a banker at a branch will be available on the same day we receive your deposit; • Some or all deposits made at an ATM will be available on the same day we receive your deposit. Once funds are available, you may withdraw them or use them to pay checks and other items. For online banking deposits, different terms may apply. For Chase Analysis Business Checking (with or without Interest): Same-day availability: Wire transfers, electronic direct deposits, and cash deposits made with a banker at a branch or at an ATM will be available on the day we receive your deposit. Next business day availability: Funds from the following deposits are available on the first business day after the day we receive your deposit: • U.S. Treasury checks that are payable to you; • Checks that are drawn on us. • The following items, if you make the deposit with a banker at a branch:

When Your Deposit Is Received. If you make a deposit with a banker at a branch one of our branches on a business dayday we are open, we will consider that day to be the day of your deposit. If you make a deposit on a business day before our cutoff time at a Chase ATM, we will consider that day to be the day of your deposit. However, if you make a deposit on a day that is not a business day, day or make an ATM deposit after the ATM cutoff timewe are closed, we will consider the deposit to have been made on the next business dayday we are open. • For determining Deposits made at ATMs will be made available on the availability fifth business day after the business day of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. • For deposits and transfers at most ATMs, the cutoff time is 11 p.m. Eastern Time (8 p.m. Pacific Time). For ATMs with an earlier cutoff, the ATM screen will notify you of the cutoff timedeposit. • Deposits placed in a night depository are considered received when we remove them from the night depository; we will remove deposits no later than the next business day. • Branches in some locations may be If a branch is closed on business days in observance of a state holiday or because of an emergencyemergency or other reason, and deposits made at a night depository when those branches are closed will be considered received on the next business day when the branch is open. • We will not accept cash deposits by mail. Check deposits made by mail should be addressed to: National Westbury Bank By Mail PO Box 6185 Westerville000 X. Xxxx Xxxxxx West Bend, OH 43086 WI 53095 All deposits made by mail and addressed to any other Chase facility may be forwarded to the National Bank By Mail facility in Westerville, Ohio, and will be considered received on the date the deposit is received by Westbury Bank. If a deposit is received by us after closing, or on a day we are not open, we will consider that facility. For all accounts other than Chase Analysis Business Checking (with or without Interest): Wire transfers, electronic direct deposits and cash deposits will be available the deposit was made on the next business day we receive your depositare open. Except as described later in this policyEvery day is a business day, when you make other depositsexcept Saturdays, the funds are available on the first business day after the day we receive your depositSundays, and Federal Holidays. In most cases when you deposit checks drawn on a Chase account: • Deposits made with a banker at a branch will be available on the same day we receive your deposit; • Some or all deposits made at an ATM will be available on the same day we receive your deposit. Once funds are available, you may withdraw them or use them to pay checks and other items. For online banking deposits, different terms may apply. For Chase Analysis Business Checking (with or without Interest): Same-day availability: Wire transfers, electronic direct deposits, and cash deposits made with a banker at a branch or at an ATM banker, will be available on the day we receive your deposit. Next business day availability: Funds from the following deposits are available on the first first business day after the business day we receive your deposit, provided they are payable to you and the deposit is made in person to an employee of Westbury Bank: • U.S. Treasury checks that are payable to you; • Checks that are drawn on usus • State and local government checks that are payable to you • Cashier's, certified, and xxxxxx's checks • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service money orders In some cases, availability of funds from all other deposits may be delayed until the second business day after the business day we receive your deposit. • The following itemsWhen we delay the availability of funds of your check deposit, if or a corresponding amount in any of your accounts for checks you make cash. Funds may not be available until the second business day after the business day of your deposit. However, at least the first $225 of these deposits will be available on the first business day after the business day of your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available, but further review of the deposit after we receive it may still result in delayed availability. Funds you deposited by check may be delayed for longer than two business days under the following circumstances: • We believe a check you deposited will not be paid • You deposited checks totaling more than $5,525.00 in any one business day • You redeposited 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 our systems If we delay availability for one of these reasons, funds may not be available until the seventh business day after the business day of your deposit. If your check deposit is made with one of our employees and we decide at that time to delay your ability to withdraw funds, we will tell you then. If we decide to delay availability of your funds after you complete your deposit, we will mail you a banker at deposit hold notice no later than the business day after we decide to take that action. Generally, funds you deposit will be available within one business day except when you deposit checks that total more than $5,525.00 in a branch:business day. The amount exceeding $5,525.00 will be available no later than the seventh business day after the business day of your deposit. If you withdraw principal from your CD prior to maturity, an early withdrawal penalty will apply. Please refer to your Truth in Savings disclosure you received when you opened your CD.