Common use of Your Ability to Withdraw Funds Clause in Contracts

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic deposits your deposit of checks available to you on the first business day after the Bank receives the day we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits at a branch, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before our established cutoff time on a business day that we are opennonbusiness day, we will consider that the deposit was made on the next business day. ATM deposits have a daily settlement time of 3:30 P.M. ATM deposits made before settlement Monday through Friday are available on the next business day. Deposits made after settlement and deposits on a Saturday, Sunday or federal holiday are available on the second business day to be following the day of deposit. All times are Eastern Time. Funds from the following deposits will be available on the business day of your deposit is received by the Bankdeposit: cash, wire transfers, electronic payments, including preauthorized credits such as Social Security benefits and payroll payments, and checks drawn on Salem Five Cents Savings Bank for which there are sufficient available funds on deposit. However, if you make a deposit after our cutoff time or on a day we are not openIn some cases, we will consider not make all of the next funds that you deposit by check available to you on the first business day we are open to be after the day of your deposit. The availability of your deposit varies depending Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day after the day of your deposit. If we are not going to make all the funds from your deposit and available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our tellers, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit 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 fifth business day after the day of your deposit. We may also, from time to time, need to temporarily suspend the processing of an ACH (automated clearing house) deposit received from or through another country (IAT) for further investigation; this additional required handling may delay settlement until the investigation is completed.

Your Ability to Withdraw Funds. This policy applies to checking accounts, deposits into to other accounts that are opened at may be subject to longer holds than those disclosed in this policy. When a deposit is made to your account, the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do funds may not mail cash depositsbe available immediately. In the event Bank receives cash depositsmost situations, you agree that the Bank's determination of the amount of the your deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds in cash and the Bank we will not use the funds to pay items presented against your account. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you have written or deposit that are returned to us unpaid and for any other debits against the account that you have initiated, such as electronic bill paymentsproblems involving your deposit. Determining the Availability of a Deposit – The length of the delay is counted in business days from the day of your deposit. Every day is a Our business daydays are Monday through Friday with the exception of Saturday, except Saturdays, SundaysSunday, and federal Federal holidays. If you make a deposit before Below is our established cutoff time on a business day that we are open, we will consider that day general policy for accounts opened longer than 30 deposited to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your depositaccounts opened less than 30 days as outlined below. The availability length of your deposit the delay varies depending on the type of deposit and is explained in the following: withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. – Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months,or overdrawn your account greater than $5,525 in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will inform 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. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you a notice no later than the next business day after we receive your deposit. Funds will generally be available no later than the sixth business day after 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. – If you are a new member, account is open. Longer delays may apply as outlined above. • Cash • Direct Deposit and other electronic credits • Wire Transfers • total deposit • Checks drawn on Corporate America Family The day we receive the deposit after the day of the deposit • Funds from electronic direct deposits to your account will be available on the business day we receive the deposit. • Traveler’s, Federal Reserve Bank Checks, Federal Home Loan Bank Checks, and federal, state and local government checks deposit if the deposit meets certain conditions. • For example, the checks must be payable to you and Credit Union • - If checks are not deposited deposited in person. er’s, state and local gov- in person funds will be • The excess over $5,525 of a day’s deposits will be available on ernment, Federal Reserve Bank, Federal Home Loan Bank checks, and Postal Service money orders that are payable to you, and deposited in person • U.S. Treasury checks, that available on the second business day after the day of deposit the ninth business day after the day of your deposit. • If your deposit of checks (other than a U.S. Treasury check) is the second business day after the day of your deposit. • the above availability schedule will be available on the fourth business day after the day of deposit. are payable to you after the day of the deposit • Other Check Deposits The second business day after the day of the deposit – located outside the U.S. (foreign checks or drafts) cannot be processed Foreign checks or drafts are exempt from the policies outlined in this disclosure. Generally, the availability of funds for deposits of foreign • ATM deposits (cash or check) made in The fourth business day af- ter the day of the deposit operate. Proprietary ATMs are ATMs that we own and operate made at Proprietary ATMs will generally be available on the second business day after the day of deposit. If we cash a check for you that is drawn on another bank, we may Below is the fee schedule for Corporate America Family Credit Union applicable to all accounts, loans, products and services. Account/Loan Research (per hour; 1hr. min. charge) up to $50.00 Also includes Subpoenas, Garnishments, Discovery of Assets, IRS levy, Judgments, etc. (per inquiry; non-CAFCU loans) $15.00 Cashier’s Check (per item) $5.00 Check Cashing (per item) $5.00 For members with less than the required minimum balance on deposit in Regular Share Account without payroll allocation; $25 must remain in account after transaction. Check Withdrawal (per item) $5.00 Phone request (no charge if done via XXXXX) waived for members 65 & over. Copy of Tax Form — 1042, 1098, 1099, 5498 (per item) $5.00 Corporate (CAFCU) Check (per item; payable to a third party) $3.00 Duplicate Statement Copy (per statement) $5.00 Other than current period. Inactive Account (per month; subject to state law) $15.00 Interim Statement Printout (per printout) $5.00 All Other Loans $39.00 Money Order (per item) $1.00 Overnight Delivery (per item) up to $30.00 To establish or re-establish line of credit. (per item) $25.00 Returned ACH/Check Item (for each presentment) up to $39.00 Returned Item (for each presentment) $39.00 Returned Statements/Mail/Locator (per address change) $15.00 Share-to-Share Transfer (per item) $5.00 Phone request (no charge if done via XXXXX, online or with your mobile device) waived for members 65 & over. Shared Branching (withdrawal or cash back; per item) $3.00 Speedpay® (per item) $10.00 Stop Payment Order (per item) $29.00 Subordination (per loan) $100.00 Unclaimed Property Fee (subject to state law) up to $50.00 Visa® Card Rush Fee $40.00 Visa® Currency Conversion Visa® Document Copy (per item) $15.00 Visa® Gift Card (per card) $3.95 For our everyday business purposes — such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes services to you Yes Yes Yes Yes business purposes — information about your transactions and experiences We don’t share business purposes — information about your creditworthiness We don’t share Visa® International Service Assessment (ISA) Visa® Replacement Card (per card) $20.00 Visa® Returned Payment up to $25.00 Wire Transfer Domestic (per item) $30.00 Wire Transfer International (per item) $45.00 Below $25 Minimum Balance (per month) $2.50 Applicable to Regular Share and Fresh Start Savings. Fee waived if enrolled in eStatements; fee does not apply to minor accounts (under age 23) and new members (less than 90 days). Club/Specialty Account Withdrawal (per item) $10.00 Regular Share/Fresh Start Savings Withdrawal (per item) $10.00 (per occurrence) $2.50 Expedited Bill Pay (per item) $9.95 Fresh Start Checking (per month) $10.00 Loan Advance to Cover Overdraft (per transfer) $18.00 Fee is waived for Rewards Advantage Checking. Overdraft Item (per item paid) $39.00 Created by check, in-person withdrawal, ATM withdrawal, or other electronic means. Photocopy of Paid Check (per item) free online $5.00 Rewards Advantage Checking (per month) $6.00 Free if signed up for eStatements and complete at least 10 signature-based purchases with your Share-to-Share Transfer to Cover Overdraft (per transfer) $18.00 Safe Deposit Box Sizes and Annual Fees Safe Deposit Box Replacement Key $25.00 P RIVACY POLICY REV 03/16 FACTS WHAT DOES CORPORATE AMERICA FAMILY CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. What? The types of personal information we collect and share depend on the product or service you have with us. This information can include: account balances and transaction history credit history and credit scores How? personal information to run their everyday business. In the section below, we list the members’ personal information; the reasons Corporate America Family Credit Union chooses to share; and whether you can limit the sharing. We don’t share What happens Your choices will apply to everyone on when I limit the account. To limit our sharing Call 0-000-000-0000 — our menu will prompt you through your choice(s) or visit us online: xxx.xxxxx.xxx/xxxxxxx Please note: If you are a new member, we can begin sharing your information [30] days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing. Questions? Call 0-000-000-0000 or visit xxx.xxxxx.xxx/XxxxxxxXx Companies related by common ownership or control. They can be Corporate America Family Credit Union does not share with our Companies not related by common ownership or control. They can be include mortgage companies, insurance companies, direct marketing companies, check printers Joint Marketing A formal agreement between products or services to you. Our joint marketing partners include Who is providing this notice? Corporate America Family Credit Union How does Corporate America Family Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include and buildings. reasons for utilizing this data. How does We collect your personal information, for example, when you open an account or deposit cutoff times are money pay your bills or apply for a loan use your credit or debit card We also collect your personal information from others, such as follows: • Branch deposits:credit Why can’t I limit all sharing? Federal law gives you the right to limit only business purposes - information about your creditworthiness to market to you to you State laws and individual companies may give you additional rights to limit sharing. – To be eligible for membership in the Credit Union you must be an individual or entity qualifying within one share (the “membership share”) as required by our Bylaws. You authorize us to check your employment history, do an inquiry with ChexSystems, obtain a credit report from third party credit reporting agencies, use other third party sources we deem appropriate, and to verify your eligibility for the accounts and services you request when you apply for the service and as part of our normal account review process. open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We will also documents. Based on information obtained by ChexSystems, we reserve the right to decline opening any account. – You do hereby appoint the members of the Board of Directors of Corporate America Family Credit Union, is used, as proxies to vote for the election of Directors all the shares of Corporate America Family Credit Union now and hereafter owned Credit Union hereafter held and each adjournment thereof, from time to time and year to year, until and unless this proxy is canceled by you. You further authorize the said proxies to designate a person or committee to cast the vote or votes for you in such manner and for such candidates as the said proxies shall determine and as permitted by law.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please keep in mind, such as electronic bill payments. Determining however, that after we make funds available to you, and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before our established cutoff time its closing time, on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time the branch of deposit’s closing time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that we are open, we will consider that day to be the day of your deposit. The availability However, if you make a deposit at an ATM after 6:30 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Please note that the dollar amounts listed below are subject to change and shall be adjusted by law on July 1, 2020 and July 1 of each fifth year, thereafter. See the Bank’s point of deposit disclosures for the dollar amounts in effect at the time of your deposit. In some cases, we will not make all of the funds that you deposit varies depending by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may be available on the first business day. If we are not going to make all of the funds from your deposit and available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six (6) months; or • There is an emergency, such as failure of computer or communications 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 seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your deposits available to you on the business day the Bank receives the we receive your deposit. However, Electronic direct deposits also will be available on the Bank day of deposit. Availability of electronic deposits originating from an international location may delay be delayed if such action is necessary to comply with the availability requirements from the Office of funds from Foreign Assets Control (OFAC). Once your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks the items you have written or other debits against authorized. For determining the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If you have any questions, be sure to ask us. In some cases, we will not make all of the funds that you deposit by check available to you on the day of your deposit. The availability of your deposit varies depending Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $300 of deposits to a checking account will be available (in most cases) on the day of your deposit. If we are not going to make all of the funds from your deposit available on the day of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees , or we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. Funds you deposit by check may be delayed for a longer period under the following circumstances:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,600 on any one day.  You redeposit 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 computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained below. Our deposit cutoff times are as follows: • Branch deposits:we will tell you when the funds will be available.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic check deposits available to you no later than the second business day after the day we receive your deposit. However, the first $225 of your deposits will be available no later than the first business day after the day of the deposit. Our policy is to make funds from cash deposits made in person at a branch available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of Our policy is to make funds from your check electronic direct deposits made through the automated clearinghouse (ACH) and incoming wire transfers available to afford us time to verify you on the deposit and ensure day of the funds deposit. Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make All checks must be endorsed with proper endorsement including the words “For Mobile Deposit Only to Patriot Bank, N.A.” in order for the Bank to accept the deposit. Additional delays may occur on a deposit before our established cutoff time on case-by-case basis. For determining the availability of your deposits, every day is considered a business day that we are openexcept Saturdays, Sundays, and Federal Holidays. In some cases, we will consider not make all of the funds that day you deposit by check available to be the day your deposit is received you by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next second business day we are open to be after the day of your deposit. The availability of your deposit varies depending Depending on the type of check that you deposit, funds may not be available for a longer period. If we are not going to make all of the funds from your deposit and available by the second business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. Our If you need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeat-edly 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 seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic check deposits available to you no later than the second business day after the day we receive your deposit. However, the first $225 of your deposits will be available no later than the first business day after the day of the deposit. Our policy is to make funds from cash deposits made in person at a branch available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of Our policy is to make funds from your check electronic direct deposits made through the automated clearinghouse (ACH) and incoming wire transfers available to afford us time to verify you on the deposit and ensure day of the funds deposit. Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make All checks must be endorsed with proper endorsement including the words “For Mobile Deposit Only to Patriot Bank, N.A.” in order for the Bank to accept the deposit. Additional delays may occur on a deposit before our established cutoff time on case-by-case basis. For determining the availability of your deposits, every day is considered a business day that we are openexcept Saturdays, Sundays, and Federal Holidays. In some cases, we will consider not make all of the funds that day you deposit by check available to be the day your deposit is received you by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next second business day we are open to be after the day of your deposit. The availability of your deposit varies depending Depending on the type of check that you deposit, funds may not be available for a longer period. If we are not going to make all of the funds from your deposit and available by the second business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. Our If you need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit 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 seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located Except as described in San Diegothis policy, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy our general procedure is to make funds available from certain your cash, check, and electronic deposits available to you on the business day the Bank receives Business Day we receive the deposit. However, Electronic deposits means an incoming wire transfer or Automated Clearing House (ACH) credit transfer (direct deposit). Direct Deposits will generally be available up to two (2) Business Days before the Bank may delay Business Day we receive the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collecteddeposit. During the delayOnce available, you may not can withdraw the funds deposits in cash and the Bank we will not use the funds to pay checks you have written or and other debits against the account that items you have initiatedauthorized. Electronic deposits originating from a financial institution located outside of the United States (U.S.) may be delayed in accordance with screening procedures necessary to comply with Office of Foreign Assets Control (OFAC) financial sanctions. Following completion of the OFAC screening procedures, such as electronic bill paymentsfunds will be available no later than the next Business Day after we receive your deposit. Determining The U.S. includes each of the Availability fifty states, and the District of Columbia, the U.S. Virgin Islands, American Samoa, and the Commonwealth of the Northern Mariana Islands, Guam, and Puerto Rico. Check deposits payable in a Deposit The foreign currency, or drawn on or payable through or at a financial institution located outside of the U.S. will be available on the Business Day we receive payment in actually and finally collected funds. If we delay the availability of funds from your deposits, the length of the delay is counted in business days Business Days from the day of your deposit. Every For determining when funds are considered deposited, every day is a business dayBusiness Day, except Saturdays, Sundays, and federal holidays. The Business Day the funds will be considered received varies depending on the applicable service channel. Funds mailed to us will be considered received on the Business Day the funds are delivered to us. Funds deposited to a night depository will be considered received on the Business Day the funds are removed and processed by us. If you make a deposit before our established cutoff time on a business day that we are openBusiness Day before the applicable cutoff time, we will consider that day your deposit to be the day your deposit is received by the Bankthat same day. However, if If you make a deposit on a Business Day after our the applicable cutoff time or on a day we are which is not opena Business Day, we will consider your deposit to be received the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained belowBusiness Day. Our general cutoff time for a deposit made at one of our Automated Teller Machines (ATMs) is 7:00 p.m. Central Time. Our general cutoff time for a deposit made in person to an employee at one of our branches is that location’s scheduled closing time. Our general cutoff time for a deposit made to a night depository is that branch’s scheduled opening time. Scheduled closing and opening times will vary by location and are as follows: • Branch deposits:posted at each branch and on our website at xxx.xxxxx.xxx/xxxxxxxxx.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please keep in mind, such as electronic bill payments. Determining however, that after we make funds available to you, and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before our established cutoff time its closing time, on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time the branch of deposit’s closing time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that we are open, we will consider that day to be the day of your deposit. The availability However, if you make a deposit at an ATM after 6:30 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Please note that the dollar amounts listed below are subject to change and shall be adjusted by law on July 1, 2020 and July 1 of each fifth year, thereafter. See the Bank’s point of deposit disclosures for the dollar amounts in effect at the time of your deposit. In some cases, we will not make all of the funds that you deposit varies depending by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy statement applies to deposits into all deposit accounts that are opened at the Bankincluding Remote Deposit Anywhere (RDA) and MobileCommand. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain your cash, check, and electronic direct deposits available to you on the business same day the Bank receives the we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal bank holidays. For deposits made to a shared deposit ATM, funds up to $200 will be made available immediately. Anything over $200 will post and be available the next business day, if deposited before 2:30pm CST. If deposited after 2:30pm CST, anything over $200 will be available on the second business day after the deposit. If you make a deposit before our established cutoff time 3:00pm CST on a business day that we are open, and by 2:30pm CST at Shared Deposit ATMs (MoneyPass & NYCE locations only) we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 3:00pm CST or on a day we are not open, and after 2:30pm CST at Shared Deposit ATMs (MoneyPass & NYCE locations only) we will consider that the deposit was made on the next business day we are open open. If we are not going to make all of the funds from your deposit available on the same day we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit 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 computer or communications 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 seventh business day after the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your check deposits available to you on the second business day after the Bank receives day we receive your deposit, with the first $200 available on the first business day after the day of your deposit. Electronic direct deposits will be available on the day we receive the deposit. HoweverCash, the Bank may delay the availability of funds from your wire transfers, and some specified check deposits to afford us time to verify will also be available before the deposit and ensure second business day, as detailed below. Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 2:30 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. The availability However, if you make a deposit at an ATM after 2:30 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from the following deposits are available on the first business day after the day of your deposit: U.S. Treasury checks that are payable to you. Wire transfers. Checks drawn on American Broadcast Employees Federal Credit Union. If you make the deposit varies depending in person to one of our employees, funds from the following deposits are also available on the type first business day after the day of your deposit: Cash. State and local government checks that are payable to you if you use a special deposit slip available from our tellers. Cashier’s, certified, and is explained belowteller’s checks that are payable to you if you use a special deposit slip available from our tellers. Our Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit cutoff times are as follows: • Branch deposits:in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's ’s policy is to make funds from certain electronic your cash and check deposits available to you on the first (1st) business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 2:00 p.m. at a branch (some branch locations have a later cutoff hour), or before 12:00 p.m. at one of our established cutoff time ATMs, and the deposit is on a business day that we are open, we will consider that day to be the day of your deposit deposit. In this regard, the cutoff hour for deposits at our branches is received by no earlier than 2:00 p.m., but may vary from branch to branch depending on the Banklocation of the branch and the day of the week. Each branch’s cutoff hours are posted at the branch, for your convenience and information. However, if you make a deposit after our the applicable branch cutoff time hour, or after the stated ATM cutoff hour, or on a day we are not open, then we will consider that the deposit was made on the next business day we are open open. In some cases, the Bank will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second (2nd) business day after the day of your deposit. The availability first $225 of your deposit varies depending deposit, however, may be available on the type first (1st) business day. If the Bank is not going to make all of the funds from your deposit and available on the first (1st) business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one

Your Ability to Withdraw Funds. This policy applies We reserve the right to place a hold on any deposits into accounts that are opened made to your account. For Certificates of Deposit, we m ay hold your deposit for 30 business days. For Savings Accounts, we may hold funds in your account as follows: For deposits where CIT Bank, N.A. is the originator of an Automated Clearing House (ACH) transaction, we may hold the funds for 5 business days. ACH transactions originated at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit another US financial institution will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on credited as of the business day the Bank CIT Bank, N.A. receives the deposit. However, the Bank may delay the availability of funds from your bank. Checks deposited to your account will be held for 7 business days from the date the check deposits is received. ACH, check, and wire transfer transactions from non US financial institutions are not accepted. In our sole discretion, we reserve the right to afford us time to verify the deposit and ensure the funds are collectedplace an extended hold on transactions that may be fraudulent or suspicious. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit that is received by us via the U.S. Postal Service, overnight carrier or courier before our established cutoff time 2:00 p.m. PT on a business day that we are open, we will consider that day to be the day of your deposit. However, if a deposit is received by the Bank. However, if you make a deposit us after our cutoff time 2:00 p.m. PT or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a Mobile Deposit before 4:00 p.m. PT on a business day that we are open, we will consider that day to be the day of your deposit. The availability If a deposit is received by us through Mobile Deposit after 4:00 p.m. PT on a day we are open for business, we will consider that deposit to be made on the next business day we are open. You should promptly review all notices, account statements and other communications (hereafter referred to as “communications”) we send you. Many communications will inform you of changes affecting your rights and obligations. When we send communications we may: • address notices to one account owner; • destroy communications that are sent to you and returned to us as being undeliverable, along with any accompanying checks and other items; • authorize the post office or an agent to destroy communications along with accompanying checks and other items that the post office informs us are undeliverable; • send communications to you at the electronic or street address we have in our records for your account; and • stop sending communications to you until a new address is provided to us if we reasonably believe that the address we have in our records for your account is wrong. We are not responsible for communications lost while not in our possession. When we inform you of changes affecting your accounts, rights and obligations, we do so by delivering or making the communication available to you. In some cases, we may post a notice of a change on our website. Otherwise, we may mail the communication regarding a change to you at the address currently in our records or via text message, e- mail, secure messaging or other means (if you have agreed to such method). We may provide a communication as a message on your statement or as a statement insert. If a communication of a change is returned to us as undeliverable, or if we stop sending communications to you because previous communications (including account statements) we sent you were returned to us as undeliverable, you understand that copies of such communications can be requested from us by calling 000-000-0000. You agree to these methods of delivery and that changes covered in these communications are effective and binding on you. A communication sent to any one account owner is deemed notice to all account owners. You agree to notify us immediately of any change of your deposit varies depending street or email address. We may require that you notify us of any change of address in writing. You may request to change your address by calling us at 855-462- 2652, or visiting our website at xxx.XxxxXxXXX.xxx. We may update your mailing address if we receive information from the postal service or a reliable third party that you have moved and have a new address. It is your responsibility to ensure that the contact information in your Online Banking profile is current and accurate. This includes, but is not limited to, name, address, phone numbers, and email address. You agree to notify us immediately in writing of any change in your name or the authorized signers on your account. We may rely solely on our account records to determine the ownership of your account. If the authorized person(s) on your account changes, we may continue to honor items and instructions given earlier by any previously authorized person(s) until we receive specific notice from you in writing not to do so. In some instances we may require you to close your account or provide us with stop payment orders in order to prevent transactions from occurring. There may be a delay in implementing a change in the authorized signers on our records, and you agree that we will be given a reasonable opportunity to make the necessary changes. To help prevent fraud and identity theft as well as protect your assets, we recommend that you take the following precautions: • Notify us immediately if any document containing your identification is lost or stolen. • Do not share your username or account access password with anyone; • Keep accurate records of your account transactions and reconcile your statements as soon as they are made available to you. • Contact us immediately at 855-462-2652if there are any discrepancies on your statement that you cannot explain or if you do not receive a statement when expected. • If using our mobile banking service, protect your mobile phone or other device with a passcode or other security feature to prevent anyone other than you from accessing your accounts. • Additional information about protecting your accounts is available on XxxxXxXXX.xxx If you or we suspect that your account is or may be compromised (including any unauthorized transactions on the type of deposit account), we may recommend that you close your account and is explained belowopen a new account. Our deposit cutoff times If we recommend that you close your account and you do not do so, we are as follows: • Branch deposits:not liable to you for subsequent losses or damages on the account due to unauthorized transactions. When you open a new account, you are responsible for notifying any third parties that need to know your new account number.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the business first Business Day after the day we receive your deposit. Electronic direct deposits will be available on the Bank receives Business Day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please keep in mind, such as electronic bill payments. Determining however, that after we make funds available to you, and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff branch closing time (or before 4:30 p.m. for deposits made at an automated teller machine (“ATM”) that we own or operate, and before 12:00 p.m. for deposits at a night depository) on a business day Business Day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time these hours or on a day we are not open, we will consider that the deposit was made on the next business day Business Day we are open open. Our name is on all the ATMs that we own or operate. In some cases, we will not make all of the funds that you deposit by check available to be you on the first Business Day after the day of your deposit. The availability first $225 of your deposit varies depending deposits, however, will be available on the first Business Day. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. If we are not going to make all of the funds from your deposit and available on the first Business Day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit or the first day following the day the facts became known to the Bank. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit 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 computer or communications 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 seventh Business Day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a For in person deposits, if the Bank receives your deposit before our established cutoff time 5:00 pm (PT) on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time or on 5:00 pm (PT) to a day we are not openlobby drop box, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our If you make a deposit cutoff times through Remote Deposit after 3:00 pm (PT) or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next- Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • Wire Transfers • Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified, and teller’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 4th business day after the day we accept your deposit. Check Deposits Checks are available as follows: Checks: The first $200 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $200 of the deposit is available on Tuesday. The remaining $500 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • Branch deposits:The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,000 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,000 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,000 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,000 will not be made available until the second business day after the deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the business day the Bank receives the depositimmediately. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in any account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. In some cases, we will not make all of the funds that you deposit by check available to you immediately. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The availability first $225 of your deposits, however, will be available immediately. If we are not going to make all of the funds from your deposit varies depending available immediately, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,525 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the type last six months. There is an emergency, such as failure of deposit computer or communications 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 seventh business day after the day of your deposit. The dividend rate and annual percentage yield may change at any time, as determined by the credit union board of directors. If you close your share account before dividends are paid, you will not receive the accrued dividends. The minimum required to open this account is explained belowthe purchase of a share in the credit union. Our deposit cutoff times are as follows: • Branch deposits:Please see the bylaw requirements in the Common Features section for additional information. You must maintain a minimum daily balance of $100.00 in your account each day to obtain the disclosed annual percentage yield. During any month, you may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a preauthorized or automatic transfer, computer transfer, telephonic order or instruction, or similar order to a third party. If you exceed the transfer limitations set forth above, your account will be subject to closure by the credit union. An excessive transaction fee (Reg D limits) of $15.00 will be charged if you exceed the above transaction limitations. The par value of a share in this account is $5.00.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the business first Business Day after the day we receive your deposit. Electronic direct deposits will be available on the Bank receives Business Day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please keep in mind, such as electronic bill payments. Determining however, that after we make funds available to you, and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff branch closing time (or before 4:30 p.m. for deposits made at an automated teller machine (“ATM”) that we own or operate, and before 12:00 p.m. for deposits at a night depository) on a business day Business Day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time these hours or on a day we are not open, we will consider that the deposit was made on the next business day Business Day we are open open. Our name is on all the ATMs that we own or operate.‌ In some cases, we will not make all of the funds that you deposit by check available to be you on the first Business Day after the day of your deposit. The availability first $225 of your deposit varies depending deposits, however, will be available on the first Business Day. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. If we are not going to make all of the funds from your deposit and available on the first Business Day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit or the first day following the day the facts became known to the Bank. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid.‌ • You deposit checks totaling more than $5,525 on any one day.‌ • You redeposit 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 computer or communications 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 seventh Business Day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the business first Business Day after the day the Bank receives the we receive your deposit. However, Electronic direct deposits will be available on the Bank may delay the availability of funds from your check deposits to afford us time to verify Business Day we receive the deposit and ensure the funds . Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please keep in mind, such as electronic bill payments. Determining however, that after we make funds available to you, and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, Business Day except Saturdays, Sundays, and federal holidaysholidays . If you make a deposit before our established cutoff branch closing time (or before 4:30 p .m . for deposits made at an automated teller machine (“ATM”) that we own or operate, and before 12:00 p .m . for deposits at a night depository) on a business day Business Day that we are open, we will consider that day to be the day of your deposit is received by the Bank. However, if you make a deposit after our cutoff time these hours or on a day we are not open, we will consider that the deposit was made on the next business day Business Day we are open . Our name is on all the ATMs that we own or operate . Longer Delays May Apply‌ In some cases, we will not make all of the funds that you deposit by check available to be you on the first Business Day after the day of your deposit. The availability first $225 of your deposit varies depending deposits, however, will be available on the first Business Day. Depending on the type of check that you deposit, funds may not be available until the second Business Day after the day of your deposit. If we are not going to make all of the funds from your deposit and available on the first Business Day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you haveleft thepremises, we will mail you the notice by the dayafter we receive your deposit or the first day following the day the facts became known to the Bank . Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the fundswill be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid . • You deposit checks totaling more than $5,525 on any one day. • You redeposit 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 computer or communications equipment . We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you whenthefundswill be available. Theywill generally be available no later thanthe seventh Business Day after the day of your deposit .

Your Ability to Withdraw Funds. This policy statement applies to deposits into “transaction” accounts that and savings accounts. Transaction accounts, in general, are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, accounts which permit an unlimited number of payments to third persons and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination an unlimited number of the amount telephone and preauthorized transfers to other accounts of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach yours with us. The Bank's Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your cash and check deposits to afford us time to verify the deposit and ensure the funds are collecteddeposits. During the delay, you may not withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill paymentsand you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, day except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open to be the day of your depositopen. The availability length of your deposit the delay varies depending on the type of deposit and is explained below. Our deposit cutoff times Funds from electronic direct deposits to your account and cash deposits will be available on the day we receive the deposit. Funds from the following deposits are as followsavailable on the first business day after the day of your deposit: • Branch Cash deposits made at one of our ATMs. • Electronic payments (other than direct deposits:). • U.S. Treasury checks that are payable to you. • Wire transfers. • Share drafts drawn on Merrimack Valley FCU. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • State and local government checks that are payable to you. • Cashier’s, certified, and xxxxxx’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. The first $500 from all other deposits will have same-day availability. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on a Monday, $500 of the deposit is available immediately. The remaining $200 is available on Wednesday. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except transit checks deposited at our ATM. Funds from transit checks deposited to a CashPoints ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches before 5:30 p.m., or at a CashPoints ATM, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches after our cutoff time 5:30 p.m., or at a CashPoints ATM, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The availability first $200 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending (or the first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: 4 We believe a check you deposit will not be paid 4You deposit checks totaling more than $5,000 on any one day 4You redeposit a check that has been returned unpaid 4You have overdrawn your account repeatedly in the type last six months 4There is an emergency, such as failure of deposit computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain your cash and check deposits available to you no later than the first business day after the day we receive your deposit. Our policy is to make funds from electronic direct deposits made through the automated clearing house (ACH) and incoming wire transfers available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our banking centers before the end of the local business day, or at one of our ATMs before the local cutoff time in the country where we maintain your account, or such later time as is available at that banking center or posted at or on the ATM, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability cutoff time for the Pacific is 3:00 pm local time. For Europe, the cutoff time is 4:00 pm local time (UK excluded; UK’s cutoff time is 3:00 pm local time). However, if you make a deposit in a banking center or at an ATM after such time, or on a day when we are not open, or it is not a business day, we consider that the deposit was made on the next business day we are open. Due to the global nature of our business, timely processing of paper items in many cases is not possible. However, we continue to generally provide you with access to these funds before we receive credit for them. In some cases, we will not make all of the funds that you deposit by check available to you by the first business day after the day of your deposit varies depending deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. If we decided to do this, the funds will generally be available by the eighth business day after the day of your deposit. The first $200 of your deposits, however, may be available no later than the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available by the first business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposited more than $5,000 on any one business day into all of your accounts. Extended holds may be placed on deposit amounts that exceed $5,000. • You redeposit a check that has been returned unpaid. • One or more of your accounts has been overdrawn repeatedly in the last six months. • There is an emergency, such as failure of communications or computer equipment. • Check negotiated that is denominated in currency other than US dollars We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. They will generally be available no later than the eighth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Our policy is to make funds from U.S. Treasury checks that are payable to you available no later than the first business day after the day of the deposit. If you make the deposit cutoff times are as followsin person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit: • Branch deposits:State and local government checks that are payable to you. • Cashier’s, certified and teller’s checks that are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service money orders that are payable to you. However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above). If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day after the day of your deposit. Community Bank places certain limitations on withdrawals in cash. In general, $200 of a deposit is available for withdrawal in cash on the first business day after the day of the deposit. Any remaining funds will be available for withdrawal in cash on the eighth business day.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's ‌ Our general policy is to make funds from certain your cash and check deposits available to you no later than the first business day after the day we receive your deposit. Our policy is to make funds from electronic direct deposits made through the automated clearing house (ACH) and incoming wire transfers available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against written. For determining the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our banking centers before the end of the local business day, or at one of our ATMs before the local cutoff time in the country where we maintain your account, or such later time as is available at that banking center or posted at or on the ATM, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability cutoff time is: • For the Pacific is 3:00 pm local time. • For Europe is 4:00 pm local time (UK excluded) • For UK is 3:00 pm local time. However, if you make a deposit in a banking center or at an ATM after such time, or on a day when we are not open, or it is not a business day, we consider that the deposit was made on the next business day we are open. Longer Delays May Apply‌ Due to the global nature of our business, timely processing of paper items in many cases is not possible. However, we continue to generally provide you with access to these funds before we receive credit for them. In some cases, we will not make all of the funds you deposit by check available to you by the first business day after the day of your deposit varies depending deposit. Depending on the type of check you deposit, funds may not be available to you by the first business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit and available by the first business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. Our If you need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit more than $5,000 on any one business day into all of your accounts. Extended holds may be placed on deposit amounts exceeding $5,000. • You redeposit a check that has been returned unpaid. • One or more of your accounts has been overdrawn repeatedly in the last six months. • There is an emergency, such as failure of communications or computer equipment. • Check negotiated is denominated in currency other than US dollars 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 sixth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days.‌ Our policy is to make funds from U.S. Treasury checks that are payable to you available no later than the first business day after the day of the deposit. If you make the deposit in person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit: • State and local government checks payable to you. • Cashier’s, certified and teller’s checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service money orders payable to you. If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above). Cash Withdrawal Limitation‌ If Community Bank delays availability of your deposit, we place certain limitations on withdrawals in cash or by similar means. In general, $225 of a deposit is available for withdrawal in cash or by similar means on the first business day after the day of the deposit. Similar means include electronic payment, issuance of a cashier’s or teller’s check, certification of a check, or other irrevocable commitment to pay, such as a debit card transaction. Holds on Other Funds‌ If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in your account. If we accept for deposit a check drawn on another financial institution, we may make funds from the deposit available for withdrawal immediately but delay your ability to withdraw a corresponding amount of funds that you have on deposit in another account with us. In either case, we make these funds available in accordance with our policy described above for the type of check that was cashed or deposited. Processing Withdrawals‌ Subject to the terms and conditions of the Agreement, you may withdraw your deposited funds in cash or by other accepted means (such as wire transfer) at any Community Bank banking center or, in the United States, at our San Antonio, Texas Home Office address listed on the back of this agreement. Cashing Checks for You‌ Check cashing services may not be available at some banking centers. We may occasionally refuse to cash a check written to you. If we do cash such a check and it is returned to us unpaid for any reason at any time, we may deduct the amount of the check from your account, even if this causes your account to become overdrawn, and we may charge you a fee. We may cash checks payable to any signer on your account when endorsed by the other signer. If you ask us to cash a check or other items, we may apply the proceeds of the check or other items to fees, overdrafts and other amounts you owe us.‌

Your Ability to Withdraw Funds. This policy applies The availability periods described in this section do not apply to deposits funds submitted through One’s Remote Deposit Capture, other remote check deposit or remote deposit capture services, ACH debit transactions (where One drafts funds from (debits) a non-One account for deposit into accounts that are opened at your One Account), or other similar services. One will hold the Bankfunds for up to nine business days from the date of deposit. All deposits are processed at Bank's processing facility located in San DiegoIn some instances, CAfunds may be available sooner than nine business days based on such factors as credit worthiness, the length and extent of your relationship with One and its affiliates, transaction and experience history, and are received either electronicallysuch other factors as One, through the mailin its sole discretion, or in persondeems relevant. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is We endeavor to make funds from certain electronic your check deposits available to you on the first business day after the Bank receives day we receive your deposit, subject to any holds that may be placed due to the depositreasons provided below. However, the Bank may delay For determining the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delaydeposits, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every every day is a business day, except Saturdays, Sundays, and federal holidaysholidays as specified in Section 21 of this Agreement. If you make a deposit before our established cutoff time 4:00 PM Pacific Time on a business day that we are openday, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 4:00 PM Pacific Time or on a day we are not openother than a business day, we will consider that the deposit was made on the next business day day. If the back of your check has “CHECK HERE IF MOBILE DEPOSIT”, then please check the checkbox. Always endorse the back of your check and write, “For Mobile Deposit to One Finance, Inc. Only.” If you deposit an item that is made payable to and/or endorsed by a person who is not you, the Account owner, we are open may refuse the item for deposit. We may also require verification of any endorsement through endorsement guarantee or personal identification. Any endorsement(s) on a check or other item you give us for deposit to your Account must appear only in the area on the reverse side that is reserved for your use and may not appear within or extend into any area that is reserved for financial institution use. Otherwise, the endorsement may interfere with our processing and collection of the item. We may refuse items that do not follow these endorsement requirements, or we may in our discretion accept a nonconforming endorsement; however, you agree to hold us harmless for any losses we incur as a result of such acceptance. You agree that you will not deposit "substitute checks" as defined by federal law or Image Replacement Documents (“IRD”) that purport to be substitute checks and have not been previously endorsed by a bank. If you deposit such an item, you give One and Coastal Community Bank the day same warranties and indemnities that One and Coastal Community Bank, as a reconverting bank, would give under applicable law or regulation and you agree to reimburse One for claims, losses, costs, and damages One may incur. If you provide One with an electronic representation of a substitute check for deposit into your depositAccount instead of an original check, you agree to reimburse One for all claims, losses, costs, and damages One incurs because the substitute check resulting from the electronic representation does not meet applicable substitute check standards or causes duplicate payments. Check Legends, Restrictions, or NotationsOne has no duty to honor and may disregard any information on a check other than the signature of the drawer, the identification of the payor bank and payee, the amount of the check, and any MICR-encoded (Magnetic Ink Character Recognition) information. Specifically, One has no duty to visually inspect signatures. If One does pay or accept checks or other items bearing restrictions or notations (such as “Void after 6 months,” “Void over $50.00,” “Payment in full,” and the like), you agree that such restrictions or notations apply only between you and the payee or maker of the check. The availability notation will have no effect on One, and you agree to accept responsibility for payment of your deposit varies depending the item and One is not liable to you for any claims, costs, losses, or damages that result from the placement of these restrictions or other notations on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:checks or other items, or from One’s disregarding them.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain your cash, check, and electronic direct deposits available to you on the business same day the Bank receives the we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing or before 4:00 P.M. for Online Deposit by Xxxx and Mobile Deposit or before 6:00 P.M. for Online Deposit Pro on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or after 4:00 P.M. for Online Deposit by Xxxx and Mobile Deposit or before 6:00 P.M. for Online Deposit Pro or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the same day we receive your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The availability first $200 of your deposit varies depending deposits, however, will be available on the type same day. If we are not going to make all of the funds from your deposit available on the same day we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: - We believe a check you deposit will not be paid. - You deposit checks totaling more than $5,000 on any one day. - You redeposit 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 computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the using U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a For in person deposits, if the Bank receives your deposit before our established cutoff time 5:00 pm (PT) on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time or on 5:00 pm (PT) to a day we are not openlobby drop box, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our If you make a deposit cutoff times through Remote Deposit after 3:00 pm (PT) or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 business days. Next- Day Availability Funds from the following deposits on established accounts are available on the first business Day after the day of your deposit:  U.S. Treasury Checks that are payable to you  Wire Transfers  Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit:  Cash  State and local government checks that are payable to you  Cashiers, certified, and teller’s checks that are payable to you  Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 4th business day after the day we accept your deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Check Deposits Checks are available as follows: • Branch Checks: The first $200 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $200 of the deposit is available on Tuesday. The remaining $500 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits:, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances:  The Bank believes a check you deposited will not be paid;  You deposited checks totaling more than $5,000 on any one day;  You redeposit a check that has been returned unpaid;  You have overdrawn your account repeatedly in the last six months; or  There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,000 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,000 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,000 will not be made available until the second business day after the deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. We recognize, respect and protect the personal privacy rights of all our customers and work diligently to safeguard your privacy. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as the personal information of all consumers who visit our institution. The following Privacy Policy explains how we use and protect the information about our customers. We ask that you read it carefully. Remote Deposit Capture (RDC) service allows you to make deposits to your accounts with Bank from a single or multi-item check scanner by sending images of paper checks which will convert into electronic items or Substitute Checks. You will capture digitized images of Items using the software and equipment provided by or through us or other software and equipment acceptable to us, and will ensure that the output files are compatible with RDC. Any software necessary shall be maintained by you, except as the parties may otherwise agree in writing, and must meet technical specifications acceptable to us. You have the ability to purchase a single or multi-feed check scanner that is compatible with RDC, or if you currently own a single or multi-feed check scanner, please check with Bank for compatibility. Deposits will be processed Monday through Friday, excluding federal holidays, and will post that same day if deposits are received before 8:00 p.m. Pacific Standard Time. Deposits received after 8:00 p.m. Pacific Standard Time will be posted the following business day. All deposits made are subject to the Funds Availability Policy located herein. Customer understands that any amount credited for items deposited using RDC is provisional credit and agrees to indemnify Bank against any loss Customer suffers because of acceptance of the remotely deposited check. Any image of a check that is transmitted for deposit must accurately and legibly provide all the information on the front and back of the check prior to being scanned. The scanned image of the check transmitted must accurately and legibly provide the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) Payee information placed on the check prior to the time an image of the check is captured and properly endorsed on the back of the check. You will submit Items for processing to us that meet the ANSI X9.37 standards for image quality required by Regulation CC, or other standards established by us or applicable law. Our processing of any Non-Qualifying Items shall not constitute a waiver by us or obligate us to process such non-qualifying items in the future. We may discontinue processing of Non-Qualifying Items at any time, without cause or prior notice. You will not attempt to scan and transmit to us any Item which (a) has been a previously truncated and reconverted Substitute Check (any such previously truncated and reconverted Substitute Check must be physically deposited with us); or (b) has already been transmitted by you.

Your Ability to Withdraw Funds. This policy statement applies to deposits into "transaction" accounts. Transaction accounts, in general, are accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, which permit an unlimited number of payments to third persons and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination an unlimited number of the amount telephone and preauthorized transfers to other accounts of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach yours with us. The Bank's Share draft accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from certain your cash, check, and electronic direct deposits available to you on the business day the Bank receives the depositimmediately. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit 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 computer or communications 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 seventh business day after the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your check deposits available to you on the second business day after the Bank receives day we receive your deposit, with the first $200 available on the first business day after the day of your deposit. Electronic direct deposits will be available on the day we receive the deposit. HoweverCash, the Bank may delay the availability of funds from your wire transfers, and some specified check deposits to afford us time to verify will also be available before the deposit and ensure second business day, as detailed below. Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 3:30 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 a deposit at an ATM after 3:30 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Funds from the following deposits are available on the day we receive the deposit: Cash Electronic direct deposits Payroll checks U.S. Treasury checks that are payable to you Wire transfers Checks drawn on Premier Source Credit Union State and local government checks that are payable to you Cashier’s, certified, and teller’s checks that are payable to you Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you The first $200 from a deposit of other checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on a Monday, $200 of the deposit is available on Tuesday. The remaining $500 is available on Wednesday. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit varies depending a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. Funds you deposit by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid. You deposit checks totaling more than $5,000 on any one day. You redeposit 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 computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except checks deposited at our ATM. Funds from checks deposited to a CashPoints ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches or at a CashPoints ATM before 5:30 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches or at a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $225 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending on (or the type first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances:  We believe a check you deposit will not be paid  You have 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 computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the using U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a For in person deposits, if the Bank receives your deposit before our established cutoff time 5:00 pm (PT) on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time or on 5:00 pm (PT) to a day we are not openlobby drop box, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our If you make a deposit cutoff times through Remote Deposit after 3:00 pm (PT) or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 business days. Next- Day Availability Funds from the following deposits on established accounts are available on the first business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • Wire Transfers • Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified, and teller’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 4th business day after the day we accept your deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Check Deposits Checks are available as follows: Checks: The first $200 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $200 of the deposit is available on Tuesday. The remaining $500 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • Branch deposits:The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,000 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,000 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,000 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,000 will not be made available until the second business day after the deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. We recognize, respect and protect the personal privacy rights of all our customers and work diligently to safeguard your privacy. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as the personal information of all consumers who visit our institution. The following Privacy Policy explains how we use and protect the information about our customers. We ask that you read it carefully. Remote Deposit Capture (RDC) service allows you to make deposits to your accounts with Bank from a mobile device, including Android or Apple devices, or using a single or multi-item check scanner by sending images of paper checks which will convert into electronic items or Substitute Checks. You will capture digitized images of Items using the software and equipment provided by or through us or other software and equipment acceptable to us, and will ensure that the output files are compatible with RDC. Any software necessary shall be maintained by you, except as the parties may otherwise agree in writing, and must meet technical specifications acceptable to us. You have the ability to purchase a single or multi-feed check scanner that is compatible with RDC, or if you currently own a single or multi-feed check scanner, please check with Bank for compatibility. Deposits will be processed Monday through Friday, excluding federal holidays, and will post that same day if deposits are received before 8:00 p.m. Pacific Standard Time. Deposits received after 8:00 p.m. Pacific Standard Time will be posted the following business day. All deposits made are subject to the Funds Availability Policy located herein. Customer understands that any amount credited for items deposited using RDC is provisional credit and agrees to indemnify Bank against any loss Customer suffers because of acceptance of the remotely deposited check. Any image of a check that is transmitted for deposit must accurately and legibly provide all the information on the front and back of the check prior to being scanned. The scanned image of the check transmitted must accurately and legibly provide the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) Payee information placed on the check prior to the time an image of the check is captured and properly endorsed on the back of the check. You will submit Items for processing to us that meet the ANSI X9.37 standards for image quality required by Regulation CC, or other standards established by us or applicable law. Our processing of any Non-Qualifying Items shall not constitute a waiver by us or obligate us to process such non-qualifying items in the future. We may discontinue processing of Non-Qualifying Items at any time, without cause or prior notice. You will not attempt to scan and transmit to us any Item which (a) has been a previously truncated and reconverted Substitute Check (any such previously truncated and reconverted Substitute Check must be physically deposited with us); or (b) has already been transmitted by you.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collecteddeposits. During the delay, you may not withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day your deposit is received by the Bankof deposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open to be the day of your depositopen. The availability length of your deposit the delay varies depending on the type of deposit and is explained below. Our Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit cutoff times that are as followsreturned to us unpaid and for any other problems involving your deposit. Cash and electronic direct deposits will be made available to you on the same business day they are received. Once deposits are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from the following deposits are available on the first business day after the day of your deposit: • Branch deposits:U.S. Treasury checks that are payable to you • Wire transfers • Checks drawn on Air Force Federal Credit Union If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • State and local government checks that are payable to you • Cashier’s, certified, and teller’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: •  Branch deposits:: o Ohio: 4pm Eastern Time for same-day processing o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions)  Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Nationwide ATMs: 2:30pm Central Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing  Check deposits made via the Mobile Banking app: 3pm Pacific Time  Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date , will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interb ank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typic ally within 3 to 5 Business Days. Next- Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit:  U.S. Treasury Checks that are payable to you  Wire Transfers  Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit:  Cash  State and local government checks that are payable to you  Cashiers, certified, and teller’s checks that are payable to you  Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 5th business day after the day we accept your deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances:  The Bank believes a check you deposited will not be paid;  You deposited checks totaling more than $5,525 on any one day;  You redeposit a check that has been returned unpaid;  You have overdrawn your account repeatedly in the last six months; or  There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines The following provisions apply to funds transfers you send or receive through the Bank, but do not apply to electronic funds transfers governed by Regulation E of the U.S. Federal Reserve Board, known as Wire Transfers. If you have a specific agreement with the Bank for these services, these provisions supplement that agreement to the extent these provisions are not consistent with the specific agreement. The Uniform Commercial Code includes provisions relating to funds transfers. These provisions define the following terms: funds transfer, payment order and beneficiary. These terms are used here as they are defined in Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state whose law applies to accounts for which the funds transfer service is provided. In general, a funds transfer is the process of carrying out payment orders that lead to paying a beneficiary. The payment order is the set of instructions given to the Bank to transfer funds. The beneficiary is the person or business who receives the payment. We may charge fees for sending or receiving a funds transfer. We may deduct our fees from your account or from the amount of the transfer. For current fees, please refer to our Schedule of Fees herein. Xxxxxxx Fedwire is the electronic funds transfer system of the US Federal Reserve Banks. When you send a payment order or receive a funds transfer, we or other banks involved in the funds transfer may use Fedwire. If any part of a funds transfer is carried out by Fedwire, your rights and obligations are governed by Regulation J of the Federal Reserve Board. Cutoff Times We have cutoff times for processing payment orders. Cutoff times vary depending on the type of payment order. If the Bank receives your domestic payment order after 1:00 pm (PT), or international payment order after 12:00 pm (PT), or on Saturday, Sunday or federal holiday, it may be processed on the next funds-transfer business day. Amending or Canceling Wire Transfers You may only amend or cancel a payment order prior to the funds transfer being sent by the Bank. If you ask the Bank do this, we may make a reasonable effort to act on your request. But we are not liable to you if, for any reason, a payment order is not amended or cancelled. You agree to reimburse the Bank for any costs, losses or damages that we incur in connection with your request to amend or cancel a payment order. Inconsistency of Name or Number When receiving a payment order, payment may be made by the Bank, or by other banks, to which the payment order is forwarded, based solely on the account number even if the account number identifies a beneficiary different from the beneficiary named by the Originator of the payment order. Furthermore, when receiving a payment order, we may rely, and any other banks to which the payment order is forwarded may rely, on the bank identification number provided in the payment order even if the identification number identifies a bank different from the bank named by the Originator of the payment order. Sending Wire Transfer We may select any intermediary bank; funds transfer system or means of transmittal to send payment orders. Our selection may differ from that indicated in your instructions. Notice of Rejection The Bank may reject payment orders. We notify you of any rejection electronically or orally. We are not liable to you for the rejection or obligated to pay you interest for the period before you receive timely notice of rejection. Errors or Questions about Payment Orders The Bank will notify you about funds transfer by listing them on your account statement. In some cases, we may also notify you electronically or in writing. You must notify us at once if you think a funds transfer shown on your statement or notice is incorrect. You must send us written notice, including a statement of relevant facts, no later than 10 days after the date you first noticed the error or statement on which the problem or error appears. If you fail to notify us within this 10-day period, we are not liable for any loss of interest because of an unauthorized or erroneous debit or because your statement incorrect. We are not required to compensate you, and we are not required to credit or adjust your account for any loss of interest or interest equivalent. Receiving a Wire Transfers The Bank may receive instructions to credit funds to your account. We may receive a wire trans fers directly from the sender, through a funds transfer system or through some other communications system. ACH Provisional Payment Rule Credit given by us to you with respect to an automated clearing house credit or debit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you (i.e. Originator of the entry) will not be deemed to have paid you the amount of such entry. Notice of ACH Transfer Under the Operating Rules of the National Automated Clearing House Association which are applicable to ACH transactions involving your account, we are not required to give next-day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in periodic statements we provide to you. ACH Debits and Credits From time to time, originators that you authorize may send Automated Clearing House (ACH) credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Automated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules in effect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be cautious about giving someone your account number to help prevent unauthorized transactions on your account. You must notify the Bank immediately of unauthorized activity. Endorsements You authorize us to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them. You warrant that all endorsements on items deposited to your account are genuine. Endorsements must be placed only in the area so designated on the back of an Item.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a For in person deposits, if the Bank receives your deposit before our established cutoff time 5:00 pm (PT) on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time or on 5:00 pm (PT) to a day we are not openlobby drop box, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our If you make a deposit cutoff times through Remote Deposit after 3:00 pm (PT) or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next- Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit:  U.S. Treasury Checks that are payable to you  Wire Transfers  Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit:  Cash  State and local government checks that are payable to you  Cashiers, certified, and teller’s checks that are payable to you  Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 5th business day after the day we accept your deposit. Check Deposits Checks are available as follows: • Branch Checks: The first $200 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $200 of the deposit is available on Tuesday. The remaining $500 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits:, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances:  The Bank believes a check you deposited will not be paid;  You deposited checks totaling more than $5,000 on any one day;  You redeposit a check that has been returned unpaid;  You have overdrawn your account repeatedly in the last six months; or  There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,000 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,000 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,000 will not be made available until the second business day after the deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits at made a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:: o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions) • Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing • Check deposits made via the Mobile Banking app: 3pm Pacific Time • Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date, will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next- Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • Wire Transfers • Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified, and teller’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 5th business day after the day we accept your deposit. Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines. Fund Transfer Services:‌ The following provisions apply to funds transfers you send or receive through the Bank, but do not apply to electronic funds transfers governed by Regulation E of the U.S. Federal Reserve Board, known as Wire Transfers. If you have a specific agreement with the Bank for these services, these provisions supplement that agreement to the extent these provisions are not consistent with the specific agreement. The Uniform Commercial Code includes provisions relating to funds transfers. These provisions define the following terms: funds transfer, payment order and beneficiary. These terms are used here as they are defined in Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state whose law applies to accounts for which the funds transfer service is provided. In general, a funds transfer is the process of carrying out payment orders that lead to paying a beneficiary. The payment order is the set of instructions given to the Bank to transfer funds. The beneficiary is the person or business who receives the payment. We may charge fees for sending or receiving a funds transfer. We may deduct our fees from your account or from the amount of the transfer. For current fees, please refer to our Schedule of Fees herein. Xxxxxxx Fedwire is the electronic funds transfer system of the US Federal Reserve Banks. When you send a payment order or receive a funds transfer, we or other banks involved in the funds transfer may use Fedwire. If any part of a funds transfer is carried out by Fedwire, your rights and obligations are governed by Regulation J of the Federal Reserve Board. Cutoff Times We have cutoff times for processing payment orders. Cutoff times vary depending on the type of payment order. If the Bank receives your domestic payment order after 1:00 pm (PT), or international payment order after 12:00 pm (PT), or on Saturday, Sunday or federal holiday, it may be processed on the next funds-transfer business day. Amending or Canceling Wire Transfers You may only amend or cancel a payment order prior to the funds transfer being sent by the Bank. If you ask the Bank do this, we may make a reasonable effort to act on your request. But we are not liable to you if, for any reason, a payment order is not amended or cancelled. You agree to reimburse the Bank for any costs, losses or damages that we incur in connection with your request to amend or cancel a payment order. Inconsistency of Name or Number When receiving a payment order, payment may be made by the Bank, or by other banks, to which the payment order is forwarded, based solely on the account number even if the account number identifies a beneficiary different from the beneficiary named by the Originator of the payment order. Furthermore, when receiving a payment order, we may rely, and any other banks to which the payment order is forwarded may rely, on the bank identification number provided in the payment order even if the identification number identifies a bank different from the bank named by the Originator of the payment order. Sending Wire Transfer We may select any intermediary bank; funds transfer system or means of transmittal to send payment orders. Our selection may differ from that indicated in your instructions. Notice of Rejection The Bank may reject payment orders. We notify you of any rejection electronically or orally. We are not liable to you for the rejection or obligated to pay you interest for the period before you receive timely notice of rejection. Errors or Questions about Payment Orders The Bank will notify you about funds transfer by listing them on your account statement. In some cases, we may also notify you electronically or in writing. You must notify us at once if you think a funds transfer shown on your statement or notice is incorrect. You must send us written notice, including a statement of relevant facts, no later than 10 days after the date you first noticed the error or statement on which the problem or error appears. If you fail to notify us within this 10-day period, we are not liable for any loss of interest because of an unauthorized or erroneous debit or because your statement incorrect. We are not required to compensate you, and we are not required to credit or adjust your account for any loss of interest or interest equivalent. Receiving a Wire Transfers The Bank may receive instructions to credit funds to your account. We may receive a wire transfers directly from the sender, through a funds transfer system or through some other communications system. ACH Provisional Payment Rule Credit given by us to you with respect to an automated clearing house credit or debit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you (i.e. Originator of the entry) will not be deemed to have paid you the amount of such entry. Notice of ACH Transfer Under the Operating Rules of the National Automated Clearing House Association which are applicable to ACH transactions involving your account, we are not required to give next-day notice to you of receipt of an ACH item, and we will not do so. However, we will continue to notify you of the receipt of payments in periodic statements we provide to you. ACH Debits and Credits From time to time, originators that you authorize may send Automated Clearing House (ACH) credits or debits for your account. For each ACH transaction, you agree that the transaction is subject to the National Automated Clearing House Association (NACHA) Operating Rules and any local ACH operating rules in effect. You agree that we may rely on the representations and warranties contained in these operating rules and either credit or debit your account, as instructed by the originator of the ACH transaction. You should be cautious about giving someone your account number to help prevent unauthorized transactions on your account. You must notify the Bank immediately of unauthorized activity. Endorsements You authorize us to supply any missing endorsements if items are made payable to you or your order and you have not endorsed them. You warrant that all endorsements on items deposited to your account are genuine. Endorsements must be placed only in the area so designated on the back of an Item. Online Banking and Bill Payment Services‌

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your cash and check deposits to afford us time to verify the deposit and ensure the funds are collecteddeposits. During the delay, you may not withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or and other debits against the account payment transactions that you have initiatedauthorized. Once funds are made available, you can withdraw the funds in cash and we will use the funds to pay checks and other payment transactions that you have authorized. Deposits received at unstaffed facilities such as electronic bill paymentsnight depositories will be credited on the day funds are removed and processed by the Credit Union. Determining Please remember that even after we have made funds available to you and you have withdrawn the Availability of a Deposit funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If you have any questions, be sure to ask us. The length of the delay is counted in business days from the day of your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open to be the day of your depositopen. The availability length of your deposit the delay varies depending on the type of deposit and is explained below. Our Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. Funds from the following deposits are available on the first business day after the day of your deposit: ● U.S. Treasury checks that are payable to you. ● Wire transfers ● Checks drawn on Laredo Federal Credit Union If you make the deposit cutoff times in person to one of our employees, funds from the following deposits are as followsalso available on the first business day after the day of your deposit: • Branch deposits:● Cash ● State and local government checks that are payable to you. ● Cashier’s certified, and xxxxxx’s checks that are payable to you. ● Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if those items are payable to you. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic deposits available to you on the business day after the Bank receives day we receive them. Funds from deposits of cash, US Treasury Checks payable to you, checks drawn on County Federal payable to you, and the first $225 of other checks are also generally available the first business day after the day of deposit. However, the Bank may delay the availability of funds from your check Electronic deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the considered received when we have finally collected funds and the information needed to credit them to your account. Funds from US Postal Service money orders, Federal Reserve and Federal Home Loan Bank checks, California state and local government checks, and cashier’s, teller’s, and certified checks are also generally available the business day after the day of deposit if payable to you and deposited to your account in person to a County Federal employee. If not deposited in person to a County Federal employee, funds from these items will not use generally be available the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in second business days from day after the day of your deposit. Every Funds after the first $225 of other types of checks are generally available the second business day after the day of your deposit. 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 our established cutoff time the close of business on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time the close of business or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. In some cases, we will not make all of the funds that you deposit by check available to be you on the first business day after the day of your deposit. The availability If we are not going to make all of the funds from your deposit available on by the first or second business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you need the funds from a deposit immediately, you should ask us when the funds will be available. Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit 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. These funds will generally be available no later than the sixth business day after the day of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except checks deposited at our ATM. Funds from checks deposited to a CashPoints® ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches or at a CashPoints ATM before 5:30 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches or at a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $200 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending on (or the type first business day after the day of your deposit and for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. Our If you need the funds from a deposit cutoff times are as follows: • Branch depositsright away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances:

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and in-person check deposits available to you on the same business day the Bank receives the we receive your deposit. However, Funds from checks deposited to a CashPoints ATM are generally made available to you on the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in first business days from day after the day of your deposit. Every For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at our branch or at a CashPoints ATM before 5:30 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at our branch or a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider the deposit made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same or next business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the seventh business day after the day of your deposit. The availability first $225 of your deposits, however, will be available on the same business day we receive your deposit, and the first $225 of your deposits to a CashPoints ATM will be available on the second business day. Generally, if we are not going to make all the funds from your deposit available on the same business day of your deposit varies depending (or the first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: • we believe a check you deposit will not be paid • the check you deposited, or other checks you have previously deposited, has been returned unpaid • you make a large deposit (however, up to $5,525 will be available on the type same or next business day) • you make a deposit to a new transaction account • you have overdrawn one of your accounts with us repeatedly in the last six months • there is an emergency, such as a weather emergency, power outage or failure of computer or communications 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. With respect to deposits made to Checking accounts, CPG accounts and HSAs, funds from the deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain your cash and check deposits available to you no later than the first business day after the day we receive your deposit. Our policy is to make funds from electronic direct deposits made through the automated clearing house (ACH) and incoming wire transfers available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against written. For determining the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our banking centers before the end of the local business day, or at one of our ATMs before the local cutoff time in the country where we maintain your account, or such later time as is available at that banking center or posted at or on the ATM, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability cutoff time for the Pacific is 3:00 pm local time. For Europe, the cutoff time is 4:00 pm local time (UK excluded; UK’s cutoff time is 3:00 pm local time). However, if you make a deposit in a banking center or at an ATM after such time, or on a day when we are not open, or it is not a business day, we consider that the deposit was made on the next business day we are open. Due to the global nature of our business, timely processing of paper items in many cases is not possible. However, we continue to generally provide you with access to these funds before we receive credit for them. In some cases, we will not make all of the funds you deposit by check available to you by the first business day after the day of your deposit varies depending deposit. Depending on the type of check you deposit, funds may not be available until the second business day after the day of your deposit. If we decide to do this, the funds will generally be available by the eighth business day after the day of your deposit. The first $200 of your deposits, however, may be available no later than the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available by the first business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer period under the following circumstances:  We believe a check you deposit will not be paid.  You deposited more than $5,000 on any one business day into all of your accounts. Extended holds may be placed on deposit amounts exceeding $5,000.  You redeposit a check that has been returned unpaid.  One or more of your accounts has been overdrawn repeatedly in the last six months.  There is an emergency, such as failure of communications or computer equipment.  Check negotiated is denominated in currency other than US dollars We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. They will generally be available no later than the eighth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Our policy is to make funds from U.S. Treasury checks that are payable to you available no later than the first business day after the day of the deposit. If you make the deposit cutoff times are in person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit:  State and local government checks payable to you.  Cashier’s, certified and teller’s checks payable to you.  Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service money orders payable to you. However, we may place longer holds on certain items for other reasons, such as follows: • Branch deposits:large deposits (see Longer Delays May Apply above). If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day after the day of your deposit. Community Bank places certain limitations on withdrawals. In general, $200 of a deposit is available for withdrawal in cash on the first business day after the day of the deposit. Any remaining funds will be available for withdrawal in cash on the eighth business day.

Your Ability to Withdraw Funds. This policy statement applies to deposits into “transaction” accounts, but not to savings accounts. Transaction accounts, in general, are accounts that which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are opened at the Bankmost common transaction accounts. All deposits Savings accounts are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash examples of savings deposits. In the event Bank receives cash deposits, you agree that the Bank's determination Feel free to ask us whether any of the amount of the deposit will your other accounts might also be conclusiveunder this policy. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time 7:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 7:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 7:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. The However, if you make a deposit at an ATM after 7:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit varies depending a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. We believe a check you deposit will not be paid. You deposit checks totaling more than $5,525 on any one day. You redeposit 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 computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the business first Business Day after the day we receive your deposit. Electronic direct deposits will be available on the Bank receives day we received the deposit. HoweverOnce the funds are available, you can withdraw them in cash. Please remember that even after we have made funds available to you and you have withdrawn the Bank may delay funds, you are still responsible for checks you deposit that are returned as unpaid and for any other problems involving your deposit. For determining the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delaydeposits, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every every day is a business dayBusiness Day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time 6 p.m. on a business day Business Day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 6 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day Business Day we are open open. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in the Account to which the deposit is made. The funds in the Account would then not be available for withdrawal until the day time periods that are described elsewhere in this disclosure for the type of check that you deposited. If we are not going to make all of the funds from your deposit available on the first Business Day after we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If you will need the funds from a deposit right away, you should ask us when the funds will be available. ▪ We believe a check you deposit will not be paid. ▪ You deposit checks totaling more than $5,525.00 on any one (1) business day. ▪ You redeposit the check that has been returned unpaid. ▪ You have overdrawn your Account repeatedly in the last six (6) months. ▪ There is an emergency, such as failure of computer or communications 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 seventh Business Day after the date of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and in-person check deposits available to you on the same business day the Bank receives the we receive your deposit. However, Funds from checks deposited to a CashPoints ATM are generally made available to you on the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in first business days from day after the day of your deposit. Every For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time 5:30 p.m. on a business day that we are openopen at either an SECU branch or a CashPoints ATM, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at an SECU branch or at a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider the deposit made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same or next business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the seventh business day after the day of your deposit. The availability first $225 of your in-person deposits, however, will be available on the same business day we receive your deposit, and the first $225 of your deposits to a CashPoints ATM will be available on the second business day. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending (or the first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to an SECU branch employee, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: • we believe a check you deposit will not be paid • the check you deposited, or other checks you have previously deposited, has been returned unpaid • You make a large deposit (however, up to $5,525 will be available on the type same or next business day) • You make a deposit to a new transaction account • you have overdrawn one or more of your accounts with us repeatedly in the last six months • there is an emergency, such as a weather emergency, power outage, or failure of computer or communications 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. With respect to deposits made to Checking accounts, CPG accounts and HSAs, funds from the deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except transit checks deposited at our ATM. Funds from transit checks deposited to a CashPoints® ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches before 5:30 p.m., or at a CashPoints ATM, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches after our cutoff time 5:30 p.m., or at a CashPoints ATM, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $200 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending (or the first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right awa y, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: 4 We believe a check you deposit will not be paid 4You deposit checks totaling more than $5,000 on any one day 4You redeposit a check that has been returned unpaid 4You have overdrawn your account repeatedly in the type last six months 4There is an emergency, such as failure of deposit computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's ‌‌ Our general policy is to make funds from certain electronic check deposits available to you no later than the second business day after the day we receive your deposit. However, the first $200 (first $225 after July 1st, 2020) of your de- posits will be available no later than the first business day after the day of the deposit. Our policy is to make funds from cash deposits made in person at a branch available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of Our policy is to make funds from your check electronic direct deposits made through the automated clearinghouse (ACH) and incoming wire transfers available to afford us time to verify you on the deposit and ensure day of the funds deposit. Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before our established cutoff time on a business day that we are openIn some cases, we will consider not make all of the funds that day you deposit by check available to be the day your deposit is received you by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next second business day we are open to be after the day of your deposit. The availability of your deposit varies depending Depending on the type of check that you deposit, funds may not be available for a longer period. If we are not going to make all of the funds from your deposit and available by the second business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. Our If you need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer peri- od under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day (first $5,525 as of July 1st, 2020). • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeat- edly 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 seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff the closing time for the branch on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff the closing time of the branch, through or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The availability first $225 of your deposit varies depending deposits, however, may be available on the type first business day. If we are not going to make all of the funds from your deposit and available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will send you the notice by the next business day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available; In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of computer or communications 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 seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall deposit accounts. All deposits are processed at Bank's processing facility located in San DiegoExcept for checks deposited through Mobile Deposit Capture, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's our policy is to make funds from certain electronic your check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. HoweverCash, the Bank may delay the availability of funds from your wire transfers, and some specified check deposits to afford us time to verify will also be available before the deposit and ensure second business day, as detailed below. Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 5:30 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. The availability However, if you make a deposit at an ATM after 5:30 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Funds from cash deposits, wire transfers and electronic direct deposits to your account will be available on the day we receive the deposit. Funds from the following deposits are available on the first business day after the day of your deposit: U.S. Treasury checks that are payable to you. Checks drawn on Thomaston Savings Bank. If you make the deposit varies depending in person to one of our employees, funds from the following deposits are also available on the type first business day after the day of deposit your deposit: State and is explained belowlocal government checks that are payable to you. Our deposit cutoff times Cashier’s, certified, and xxxxxx’s checks that are as follows: • Branch deposits:payable to you. Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. All other checks that are payable to you.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego“transaction” accounts, CA, and are received either electronically, through the mail, or in person. Please do but not mail cash to savings deposits. In the event Bank receives cash depositsTransaction accounts, you agree that the Bank's determination in general, are accounts which permit an unlimited number of the amount payments to third persons and an unlimited number of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail telephone and preauthorized transfers to make a deposit, you will need to allow extra time for the deposit to reach other accounts of yours with us. The Bank's Checking accounts are the most common transaction accounts. Savings accounts and money market deposit accounts are examples of savings deposits. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from certain electronic your check deposits available to you on the first business day after the Bank receives day we receive your deposit. Cash deposits and electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established 3:00 P.M. Monday through Friday at any office (cutoff time times may be later on some days or at some locations) on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 3:00 P.M. Monday through Friday at any office or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 2:00 P.M. Monday through Friday at any office (cutoff times may be later on some days or at some locations) on a business day that we are open, we will consider that day to be the day of your deposit. The However, if you make a deposit at an ATM after 2:00 P.M. Monday through Friday at any office or on a day we are not open, we will consider that the deposit was made on the next business day we are open. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit varies depending a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. We believe a check you deposit will not be paid. You deposit checks totaling more than $5,525 on any one day. You redeposit 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 computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to Funds from the following deposits into accounts are available on the first business day after the day of your deposit: Cash, U.S. Treasury Checks that are opened at payable to you, Wire Transfers, Checks drawn on Advia Credit Union. If your deposit is made directly to one of our employees, funds from the Bank. All following deposits may also be available on the first (1st) business day after the day of your deposit: State and Local Government Checks that are processed at Bank's processing facility located in San Diegopayable to you, CAFederal Reserve financial institution checks, Federal Home Loan financial institution checks, and money orders, if these items are received either electronicallypayable to you. If your deposit is not made directly to one of our employees (for example, through if you mail the maildeposit), funds from these deposits will be available on the second (2nd) business day after the day of deposit. Funds from any deposits (cash or in person. Please checks) made at Automated Teller Machines (ATMs) we do not mail cash deposits. In own or operate will not be available until the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the fifth business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from after the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidaysThis rule does not apply at ATMs that we own or operate. If All ATMs that we own or operate are identified as our machines. In some cases we will not make all of the funds that you make a deposit before our established cutoff time by check available to you on a the first business day that we are open, we will consider that day to be after the day of your deposit is received by deposit. Depending on the Bank. Howevertype of check that you deposit, if you make a deposit after our cutoff time or on a day we are funds may not open, we will consider be available until the next fifth business day we are open to be after the day of your deposit. The availability first $225 of your deposits, however, will be available the first business day. If we are not going to make all of the funds from your deposit varies depending available on the type first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: (a) we believe a check you deposit will not be paid; (b) you deposit checks totaling more than $5,525 on any one day; (c) you redeposit a check that has been returned unpaid; (d) you have overdrawn your account repeatedly in the last six (6) months; (e) there is an emergency; such as failure of communication or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the eleventh business day after the day of your deposit. We reserve the right to shorten or extend all such holds for a reasonable period of time at our discretion.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except transit checks deposited at our ATM. Funds from transit checks deposited to a CashPoints ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Transit checks are checks drawn on a financial institution other than LGFCU, Local Government Federal Credit Union, NC Press Association Federal Credit Union, Latino Community Credit Union, and Greater Kinston Credit Union. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches before 5:30 p.m., or at a CashPoints ATM before the machine is balanced (no earlier than 5:30 p.m.), we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches after our cutoff time 5:30 p.m., or at a CashPoints ATM after it is balanced, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The availability first $200 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending (or the first business day after the day of your deposit for transit checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: 4 We believe a check you deposit will not be paid 4You deposit checks totaling more than $5,000 on any one day 4You redeposit a check that has been returned unpaid 4You have overdrawn your account repeatedly in the type last six months 4There is an emergency, such as failure of deposit computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy disclosure describes your ability to withdraw funds at First Community Credit Union. It only applies to deposits into the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located not transaction accounts for periods longer than those disclosed in San Diego, CA, and are received either electronically, through the mail, or in personthis policy. Please do not mail cash depositsask us if you have a question about which accounts are affected by this policy. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 6:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. The If you make a deposit at an ATM after 6:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. All ATM deposits are subject to verification and longer delays may apply. Special rules apply for new accounts. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit varies depending a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. Case-by-case delays. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. -We believe a check you deposit will not be paid. -You deposit checks totaling more than $5,000 on any one day. -You redeposit 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 computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic deposits your deposit of checks available to you on the first business day after the Bank receives the day we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits at a branch, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before our established cutoff time on a non-business day that we are openday, we will consider that the deposit was made on the next business day. ATM deposits have a daily settlement time of 3:30 P.M. ATM deposits made before settlement Monday through Friday are available on the next business day. Deposits made after settlement and deposits on a Saturday, Sunday or federal holiday are available on the second business day to be following the day of deposit. All times are Eastern Time. Funds from the following deposits will be available on the business day of your deposit is received by the Bankdeposit: cash, wire transfers, electronic payments, including preauthorized credits such as Social Security benefits and payroll payments, and checks drawn on Salem Five Cents Savings Bank for which there are sufficient available funds on deposit. However, if you make a deposit after our cutoff time or on a day we are not openIn some cases, we will consider not make all of the next funds that you deposit by check available to you on the first business day we are open to be after the day of your deposit. The availability of your deposit varies depending Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposits will be available on the first business day after the day of your deposit. If we are not going to make all the funds from your deposit and available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our tellers, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit 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 fifth business day after the day of your deposit. We may also, from time to time, need to temporarily suspend the processing of an ACH (automated clearing house) deposit received from or through another country (IAT) for further investigation; this additional required handling may delay settlement until the investigation is completed.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:: o California: 5pm Pacific Time for same-day processing o Nevada: 5pm Pacific Time for same-day processing (does not accept cash transactions) • Axos ATM deposits: o Axos Bank ATMs: 5pm Pacific Time for same-day processing o Non-Axos Bank ATMs: 2:30pm Central Time for same-day processing • Check deposits made via the Mobile Banking app: 3pm Pacific Time • Electronic credits (such as Direct Deposit or account transfers): Credit received at least 2 days before the settlement date, will be posted by 8:30am Central on the date specified as the settlement date This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 Business Days. Next- Day Availability Funds from the following deposits on established accounts are available on the first Business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • Wire Transfers • Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified, and teller’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make your deposit at a nonproprietary ATM (an ATM not owned or operated by Axos Bank), funds from these deposits will be available no later than the fifth business day after the banking day of deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 5th business day after the day we accept your deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Check Deposits Checks are available as follows: Checks: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,525 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,525 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,525 will not be made available until the second business day after the deposit. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. Deposits at Non-Axos Bank ATMs Non-Axos Bank ATMs are part of ATM networks owned or operated by other financial institutions. You can use your card to deposit funds to accounts linked to your card as primary checking and primary savings. Deposits made at a non-Axos ATM by cash or check will be made available for withdrawal not later than the fifth business day following the banking day on which the funds are deposited. All ATMs that we own or operate are identified as our machines.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain your cash and check deposits available to you no later than the first business day after the day we receive your deposit. Our policy is to make funds from electronic direct deposits made through the automated clearing house (ACH) and incoming wire transfers available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against written. For determining the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our banking centers before the end of the local business day, or at one of our ATMs before the local cutoff time in the country where we maintain your account, or such later time as is available at that banking center or posted at or on the ATM, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability cutoff time is: • For the Pacific is 3:00 pm local time. • For Europe is 4:00 pm local time (UK excluded) • For UK is 3:00 pm local time. However, if you make a deposit in a banking center or at an ATM after such time, or on a day when we are not open, or it is not a business day, we consider that the deposit was made on the next business day we are open. Due to the global nature of our business, timely processing of paper items in many cases is not possible. However, we continue to generally provide you with access to these funds before we receive credit for them. In some cases, we will not make all of the funds you deposit by check available to you by the first business day after the day of your deposit varies depending deposit. Depending on the type of check you deposit, funds may not be available to you by the first business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available by the first business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit more than $5,000 on any one business day into all of your accounts. Extended holds may be placed on deposit amounts exceeding $5,000. • You redeposit a check that has been returned unpaid. • One or more of your accounts has been overdrawn repeatedly in the last six months. • There is an emergency, such as failure of communications or computer equipment. • Check negotiated is denominated in currencyother than US dollars We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. They will generally be available no later than the sixth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Our policy is to make funds from U.S. Treasury checks that are payable to you available no later than the first business day after the day of the deposit. If you make the deposit cutoff times are as followsin person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit: • Branch deposits:State and local government checks payable to you. • Cashier’s, certified and teller’s checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service moneyorders payable to you. If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above).

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain your cash, check, and electronic direct deposits available to you on the business same day the Bank receives the we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 12:00 P.M. (noon) Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. The availability However, if you make a deposit at an ATM after 12:00 P.M. (noon) Pacific Standard Time or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If we are not going to make all of the funds from your deposit available on the same day we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. You deposit checks totaling more than $5,525 on any one day. You redeposit 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 computer or communications 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 seventh business day after the day of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain your cash, check, and electronic direct deposits available to you on the business day the Bank receives the depositimmediately. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if If you make a deposit after our cutoff time the cut-off times listed, or on a day that is not considered a business day, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. Branches: Close of business ATMs: 5:00 p.m. CST Mobile Remote Deposit: 6:00 p.m. CST On-Line Banking: 5:30 p.m. CST Telephone Banking: 5:30 p.m. CST Funds mailed to us will be considered deposited on the business day they are received and processed by us. Funds deposited to a night depository will be considered deposited on the business day they are removed from the depository and processed. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 on any one day.  You redeposit 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 computer or communications 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 seventh business day after the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain your cash, check, and electronic direct deposits available to you on the business day the Bank receives the depositimmediately. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if If you make a deposit after our cutoff time the cut-off times listed, or on a day that is not considered a business day, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. Branches: Close of business ATMs: 5:00 p.m. CST Mobile Remote Deposit: 6:00 p.m. CST On-Line Banking: 5:30 p.m. CST Telephone Banking: 5:30 p.m. CST Funds mailed to us will be considered deposited on the business day they are received and processed by us. Funds deposited to a night depository will be considered deposited on the business day they are removed from the depository and processed. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000.00 ($5,525.00 effective July 1, 2020) on any one day. • You redeposit 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 computer or communications 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 seventh business day after the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy applies to deposits into the availability of funds in transaction accounts. DATCU reserves the right to delay the availability of funds deposited to accounts that are opened at the Banknot transaction accounts for periods longer than those disclosed in this policy. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your deposits available to you on the business day the Bank receives the we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays, and such other holidays we may observe, as may be published on our website or posted in our lobby from time to time. DATCU observes all federal holidays in addition to Good Friday and Christmas Eve. If you make a deposit before our established cutoff time 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit is made after our cutoff time 6:00 p.m. on a business day or on a day we are not open, we the deposit will consider be considered made on the next business day we are open open. Please remember that even after we have made the funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. •CASHIER'S CHECKS •CASH •CERTIFIED CHECKS •STATE AND LOCAL GOVERNMENT CHECKS •TELLER’S CHECKS •CHECKS DRAWN ON DATCU •TRAVELER'S CHECKS •US TREASURY CHECKS •U.S. POSTAL MONEY ORDERS •WIRE TRANSFERS/ AUTOMATED CLEARING HOUSE (ACH) •FEDERAL RESERVE AND FEDERAL HOME LOAN CHECKS *To receive immediate credit for a check type listed above, the check must be payable to you and deposited into a transaction account of yours. Suspect Cashier’s Checks, Xxxxxx’s Checks, Certified Checks, Traveler’s Checks and U.S. Postal Money Orders may be subject to holds. Other types of Money Orders are considered “Payable Through” the issuer and do not fall under immediate or next-day availability. Please refer to the Longer Delays May Apply section below for the availability rules governing these deposits. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of your deposit. Depending on the type of check that you deposit, funds may not be available until the 2nd business day after the day of your deposit. The availability However, the first $225 of your deposit varies depending will be available on the type 1st business day after the day of your deposit. If we are not going to make all of the funds from your deposit and available on the date of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as follows: • Branch deposits:right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please keep in mind, such as electronic bill paymentshowever, that after we make funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Determining the Availability of a Deposit The length of Deposit. For determining the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, day except Saturdays, Sundays, and federal holidays. Our cutoff hour for deposits varies depending on the branch or ATM location where your deposit is made. The earliest cutoff hour that may apply is 5:00 p.m. (8:30 a.m. for deposits at a night depository). If you make a deposit before our established cutoff time hour on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time hour or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The availability first $225 of your deposit varies depending deposits, however, will be available on the type first business day. Time period adjustment for withdrawal by cash or similar means. We may place certain limitations on withdrawals in cash or by similar means. In general, $225 of a deposit and is explained belowavailable for withdrawal in cash on the first business day after the day of deposit. Our deposit cutoff times are as follows: • Branch deposits:In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash at or after 5:00 p.m. on that day. Any remaining funds will be available for withdrawal in cash on the following business day.

Your Ability to Withdraw Funds. This policy statement applies to deposits into “transaction” accounts. Transaction accounts, in general, are accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, which permit an unlimited number of payments to third persons and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination an unlimited number of the amount telephone and preauthorized transfers to other accounts of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach yours with us. The Bank's Share draft accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy. Our policy is to make funds from certain electronic your cash and check deposits available to you on the next business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day, we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at an ATM before 3:00 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 a deposit at an ATM after 3:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open to be open. If we cash a check for you that is drawn on another bank, we may withhold the day of your deposit. The availability of a corresponding amount of funds that are already in your deposit varies depending on account. Those funds will be available at the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:time funds from the check we cashed would have been available if you had deposited it.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except checks deposited at our ATM. Funds from checks deposited to a CashPointsÒ ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches or at a CashPoints ATM before 5:30 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches or at a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $200 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending on (or the type first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: Ø We believe a check you deposit will not be paid Ø You have redeposited a check that has been returned unpaid Ø You have overdrawn your account repeatedly in the last six months Ø There is an emergency, such as failure of computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your deposits available to you for withdrawal no later than the first business day after the day we receive your deposit. Electronic direct deposits will be available on the business settlement date and not necessarily the day the Bank receives the we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider the deposit was made on the next business day we are open open. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth business day after the day 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. In some cases we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $200 of your deposits, however, will be available the first business day. If we are not going to make all of the funds from your deposit varies depending available on the type first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: (a) we believe a check you deposit will not be paid; (b) you deposit checks totaling more than $5,000 on any one day; (c) you redeposit a check that has been returned unpaid; (d) you have overdrawn your account repeatedly in the last six months; (e) there is an emergency; such as failure of communication or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the eleventh business day after the day of your deposit. We reserve the right to shorten or extend all such holds for a reasonable period of time at our discretion. Relationship levels within our Member Advantage Program may affect determination of a reasonable hold time. Please see program details for updated information.

Your Ability to Withdraw Funds. This policy statement applies to deposits into “transaction” accounts. Transaction accounts, in general, are accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, which permit an unlimited number of telephone and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination pre-authorized transfers to other accounts of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach yours with us. The Bank's Share draft/checking accounts are the most common transaction accounts. Feel free to ask whether any of your other accounts might also be under this policy. Our policy is to make funds from certain electronic your deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. HoweverOnce they are available, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure you can draw the funds are collected. During the delay, you may not withdraw the funds in cash and the Bank we will not use the funds to pay checks that you have written or other any electronic debits against the account that you have initiatedauthorized. Please remember that even after we have made the funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, day except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time 3:00 PM on a business day that we are open, we will may consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 3:00 PM or on a day we are not open, we will may consider that the deposit was made on the next business day we are open open. In some cases, we will not make all of the funds that you deposit by check available to be you on the first business day after the day of your deposit. The availability of your deposit varies depending Depending on the type of check you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $225 of your checking deposits will be made available on the first business day after we receive your deposit. If we are not going to make all of the funds from your deposit and available on the first business day that we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice the day after we receive your deposit. Our GenFed reserves the right to refuse or return any deposit cutoff times are as followsreceived or accept it on a collection basis (see Account Information brochure for cost). If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit 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 sixth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your check deposits available to you on the second business day after the Bank receives day we receive your deposit, with the first $225 available on the day of your deposit. Electronic direct deposits will be available on the day we receive the deposit. HoweverCash, the Bank may delay the availability of funds from your wire transfers, and some specified check deposits to afford us time to verify will also be available before the deposit and ensure second business day, as detailed below. Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established 3:30 P.M. (cutoff time times are different at different locations) on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 3:30 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 3:30 P.M. EST on a business day that we are open, we will consider that day to be the day of your deposit. The availability of However, if you make a deposit at an ATM after 3:30 P.M. EST or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Funds from the following deposits are available the same business day we receive your deposit: • Electronic direct deposits • U.S. Treasury checks or drafts that are payable to you • Wire transfers • Checks or drafts drawn on Empower Federal Credit Union. Funds from the following deposits are available the same business day we receive your deposit varies depending if you make the deposit in person to one of our employees: • Cash • State and local government checks or drafts that are payable to you • Cashier’s, certified, and xxxxxx’s checks or drafts that are payable to you • Federal Reserve Bank checks or drafts. Federal Home Loan Bank checks or drafts, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:second business day after the day we receive your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain your cash and check deposits available to you no later than the first business day after the day we receive your deposit. Our policy is to make funds from electronic direct deposits made through the automated clearing house (ACH) and incoming wire transfers available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against written. For determining the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our banking centers before the end of the local business day, or at one of our ATMs before the local cutoff time in the country where we maintain your account, or such later time as is available at that banking center or posted at or on the ATM, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability cutoff time is: • For the Pacific is 3:00 pm local time. • For Europe is 4:00 pm local time (UK excluded) • For UK is 3:00 pm local time. However, if you make a deposit in a banking center or at an ATM after such time, or on a day when we are not open, or it is not a business day, we consider that the deposit was made on the next business day we are open. Due to the global nature of our business, timely processing of paper items in many cases is not possible. However, we continue to generally provide you with access to these funds before we receive credit for them. In some cases, we will not make all of the funds you deposit by check available to you by the first business day after the day of your deposit varies depending deposit. Depending on the type of check you deposit, funds may not be available to you by the first business day after the day of your deposit. The first $225 of your deposits, however, may be available no later than the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available by the first business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, we may delay the availability of funds you deposit by check for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit more than $5,000 on any one business day into all of your accounts. Extended holds may be placed on deposit amounts exceeding $5,000. • You redeposit a check that has been returned unpaid. • One or more of your accounts has been overdrawn repeatedly in the last six months. • There is an emergency, such as failure of communications or computer equipment. • Check negotiated is denominated in currency other than US dollars We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. They will generally be available no later than the sixth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Our policy is to make funds from U.S. Treasury checks that are payable to you available no later than the first business day after the day of the deposit. If you make the deposit cutoff times are as followsin person to one of our employees, and meet the other conditions noted below, our policy is to make funds from the following types of deposits available no later than the first business day after the day of your deposit: • Branch deposits:State and local government checks payable to you. • Cashier’s, certified and teller’s checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks and U.S. Postal Service money orders payable to you. If you do not make your deposit of these checks in person to one of our employees (for example, if you mail the deposit), our policy is to make funds from these deposits available no later than the second business day after the day of your deposit. However, we may place longer holds on certain items for other reasons, such as large deposits (see Longer Delays May Apply above).

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collectedinto your Account. During the delay, you may not withdraw the funds in cash and the Bank we will not use the funds to pay checks that you have written or other debits against the account that you have initiated, such as electronic bill paymentsto make transactions from your Account. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is deposit, as explained below. Our deposit cutoff times In some cases, we may be able to provide availability for your deposited funds earlier than set forth below. However, there are important exceptions to these timelines, including delays imposed when check deposits into your Account exceed $5,525 in a single day and delays imposed when doubts arise regarding the collectability of certain checks. The following items deposited into your Account will be made available the next Business Day after we receive them for deposit. • U.S. Treasury checks that are payable to you. • Checks from an American Express National Bank account (also known as follows: • Branch deposits:“on us” checks). Other than checks with next day availability listed above, up to $225 of checks deposited into your Account will be made available on the next Business Day after we receive them for deposit. The remainder of such checks will be made available two Business Days after we receive them for deposit. Incoming ACH transactions that you submit to us that request that we pull funds from an account at another financial institution will be available no later than the fifth Business Day after the incoming ACH transaction is submitted for processing. Expedited timing for certain incoming ACH transactions that you initiate from your Account may be available on Business Days, based on the time that the transaction is submitted for processing. We will not charge a fee for expediting your incoming ACH transaction. If we receive a completed incoming Wire Transfer of funds (in U.S. dollars) that includes proper identification of your Account by 6:45 PM ET on a Business Day, we will consider that to be the Business Day of your deposit. Funds from incoming Wire Transfers received by 6:45 PM ET will generally be available for withdrawal on that Business Day. Funds from incoming Wire Transfers received after 6:45 PM ET will generally be available for withdrawal on the next Business Day. Funds transferred by an Internal Transfer transaction will be available in the account receiving the funds immediately. Funds deposited after 9:45 PM ET on a Business Day may not be available to cover transactions that are already processing in your Account on that Business Day.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain your cash and check deposits available to you no later than the first business day after the day we receive your deposit. Our policy is to make funds from electronic direct deposits made through the automated clearing house (ACH) and incoming wire transfers available to you on the business day the Bank receives of the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our banking centers before the end of the local business day, or at one of our ATMs before 3:00 p.m. local time in the country where we maintain your account, or such later time as is available at that banking center or posted at or on the ATM, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit in a banking center or at an ATM after our cutoff time such time, or on a day when we are not open, or it is not a business day, we will consider that the deposit was made on the next business day we are open open. Due to the Global nature of our business, timely processing of paper items in many cases is not possible. However, we continue to generally provide you with access to these funds before we receive credit for them. In some cases, we will not make all of the funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. If we decided to do this, the funds will generally be available by the tenth business day after the day of your deposit. The first $200 of your deposits, however, may be available no later than the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit available by the first business day after the day of your deposit, we generally notify you at the time you make your deposit. We also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we mail you the notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, we may delay the availability of your funds you deposit varies depending on by check for a longer period under the type of deposit and is explained below. Our deposit cutoff times are as followsfollowing circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit 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.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and in-person check deposits available to you on the same business day the Bank receives the we receive your deposit. However, Funds from checks deposited to a CashPoints ATM are generally made available to you on the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in first business days from day after the day of your deposit. Every For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches or at a CashPoints ATM before 5:30 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches or at a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider the deposit made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same or next business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the seventh business day after the day of your deposit. The availability first $225 of your in-person deposits, however, will be available on the same business day we receive your deposit, and the first $225 of your deposits to a CashPoints ATM will be available on the second business day. Generally, if we are not going to make all the funds from your deposit available on the same business day of your deposit varies depending (or the first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: • we believe a check you deposit will not be paid • the check you deposited, or other checks you have previously deposited, has been returned unpaid • you make a large deposit (however, up to $5,525 will be available on the type same or next business day) • you make a deposit to a new transaction account • you have overdrawn one or more of your accounts with us repeatedly in the last six months • there is an emergency, such as a weather emergency, power outage, or failure of computer or communications 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. With respect to deposits made to checking accounts, CPG accounts, and HSAs, funds from the deposit will generally be available no later than the fifth business day after the day of your deposit. on all check deposits of $1,000 or greater made to IRA accounts. If we place a hold on your deposited check, we will provide you with notice of the hold at the time of deposit and is explained below. Our (if the deposit cutoff times are takes place in person at our branch), or we will mail you notice as follows: • Branch deposits:soon as practicable.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff the closing time for the branch on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff the closing time of the branch, through or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The availability first $225 of your deposit varies depending deposits, however, may be available on the type first business day. If we are not going to make all of the funds from your deposit and available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will send you the notice by the next business day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,525 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of computer or communications 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 seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic deposits your deposit of checks available to you on the first business day after the Bank receives the day we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits at a branch, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before our established cutoff time on a non- business day that we are openday, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or was made on a day we are not open, we will consider the next business day ATM deposits have a daily settlement time of 3:30 P.M. ATM deposits made before settlement Monday through Friday are available on the next business day. Deposits made after settle- ment and deposits on a Saturday, Sunday or federal holiday are available on the second business day following the day of deposit. All times are Eastern Time. Funds from the following deposits will be available on the business day of your deposit: cash, wire transfers, electronic payments, including preauthorized credits such as Social Security benefits and payroll payments, and checks drawn on Salem Five Cents Savings Bank for which there are sufficient available funds on deposit In some cases, we are open will not make all of the funds that you deposit by check available to be you on the first business day after the day of your deposit. The availability of your deposit varies depending Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposits will be available on the first business day after the day of your deposit.. IIf we are not going to make all the funds from your deposit and available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our tellers, or if we decide to take this action after you have left the premises, we will mail you the notice by the busi- ness day after we receive your deposi If you will need the funds from a deposit right away, you should ask us when the funds will be available. Our In addition, funds you deposit cutoff times are as followsby check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day.. • You redeposit 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 communica- tions 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 fifth business day after the day of your deposit. We may also, from time to time, need to temporarily suspend the processing of an ACH (automated clearing house) deposit received from or through another country (IAT) for further investigation; this additional required handling may delay set- tlement until the investigation is completed. 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. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. You must there- fore maintain an available account balance sufficient to cover any check you present for cashing. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for with- drawal immediately by delaying your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your check deposits available to you on the second business day after the Bank receives day we receive your deposit, with the first $225 available on the first business day after the day of your deposit. Electronic direct deposits will be available on the day we receive the deposit. HoweverCash, the Bank may delay the availability of funds from your wire transfers, and some specified check deposits to afford us time to verify will also be available before the deposit and ensure second business day, as detailed below. Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 4:30 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. The availability However, if you make a deposit at an ATM after 4:30 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from the following deposits are available on the first business day after the day of your deposit: U.S. Treasury checks that are payable to you. Wire transfers. Checks drawn on Evergreen Credit Union. If you make the deposit varies depending in person to one of our employees, funds from the following deposits are also available on the type first business day after the day of your deposit: Cash. State and local government checks that are payable to you. Cashier’s, certified, and xxxxxx’s checks that are payable to you. Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except checks deposited at a CashPoints ATM. Funds from checks deposited to a CashPoints ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches or at a CashPoints ATM before 5:30 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches or at a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider the deposit made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $225 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all the funds from your deposit available on the same business day of your deposit varies depending on (or the type first business day after the day of your deposit and for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. Our If you need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: • Branch deposits:we believe a check you deposit will not be paid • the check you deposited, or other checks you have previously deposited, has been returned unpaid • you have overdrawn one of your accounts with us repeatedly in the last six months • there is an emergency, such as a weather emergency, power outage, or failure of computer or communications 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 fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except checks deposited at a CashPoints ATM. Funds from checks deposited to a CashPoints ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that day, we are openopen at one of our branches or at a CashPoints ATM before 5:00 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches or a CashPoints ATM after our cutoff time 5:00 p.m., or on a day we are not open, we will consider the deposit made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $225 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all the funds from your deposit available on the same business day of your deposit varies depending on (or the type first business day after the day of your deposit and for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. Our If you need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: • Branch deposits:we believe a check you deposit will not be paid • the check you deposited, or other checks you have previously deposited has been returned unpaid • you have overdrawn one of your accounts with us repeatedly in the last six months • there is an emergency, such as a weather emergency, power outage or failure of computer or communications 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 fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your deposits available to you for withdrawal no later than the first business day after the day we receive your deposit. Electronic direct deposits will be available on the business settlement date and not necessarily the day the Bank receives the we receive your deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time closing on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time closing or on a day we are not open, we will consider the deposit was made on the next business day we are open open. In some cases we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $200 of your deposits, however, will be available the first business day. If we are not going to make all of the funds from your deposit varies depending available on the type first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the first business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: (a) we believe a check you deposit will not be paid; (b) you deposit checks totaling more than $5,000 on any one day; (c) you redeposit a check that has been returned unpaid; (d) you have overdrawn your account repeatedly in the last six months; (e) there is an emergency; such as failure of communication or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the eleventh business day after the day of your deposit. We reserve the right to shorten or extend all such holds for a reasonable period of time at our discretion. Relationship levels within our Member Advantage Program may affect determination of a reasonable hold time. Please see program details for updated information.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall deposit accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure Once the funds are collected. During the delayavailable, you may not can withdraw the funds them in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made funds available to you, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every 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 our established cutoff time 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time 6:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If we cash a check for you that is drawn on another bank, we may withhold the availability of corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. $200 of your deposits, however, will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5000 on any one day. • You redeposit 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 computer or communications 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 seventh business day after the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain your cash, check, and electronic direct deposits available to you on the business day the Bank receives the depositimmediately. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delayAt that time, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if If you make a deposit after our cutoff time the cut-off times listed, or on a day that is not considered a business day, or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. Branches: Close of business ATMs: 5:00 p.m. CST Mobile Remote Deposit: 6:00 p.m. CST On-Line Banking: 5:30 p.m. CST Telephone Banking: 5:30 p.m. CST Funds mailed to us will be considered deposited on the business day they are received and processed by us. Funds deposited to a night depository will be considered deposited on the business day they are removed from the depository and processed. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. If we are not going to make all of the funds from your deposit available immediately, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000.00 ($5,525.00 effective July 1, 2020) on any one day.  You redeposit 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 computer or communications 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 seventh business day after the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy statement applies to deposits into accounts that are opened at the Bankall deposit accounts. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your deposits available to you on the business firstbusiness day the Bank receives the after we receive your deposit. However, the Bank may delay the availability of funds from your check the following deposits to afford us time to verify will be available on the deposit day we receive the deposit: • Cash deposits made at the teller window • Wire transfers and ensure the funds electronic direct deposits, such as social securitybenefits and payroll payments. Once they are collected. During the delayavailable, you may not can withdraw the funds in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiatedwritten. Please remember that even after we have made the funds available toyou, such as electronic bill payments. Determining and you have withdrawn the Availability of a Deposit The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day, day except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time we close, or on a day we are not opennon-business day, we will consider that the deposit was made on the next business day we are open open. If we accept for deposit a check that is drawn on another bank, we may make the funds from that check available for withdrawal immediately, but delay your availability to be the day withdraw a corresponding amount of your depositfunds that you have on deposit in another account with us. The availability of your deposit varies depending on funds in the other account would then not be available for withdrawal until the time periods for the type of deposit and check that you deposited. If we cash a check for you that is explained belowdrawn on another bank, we may withhold the availability of a corresponding amount of funds that are already inan account you have with us. Our deposit cutoff times are as follows: • Branch deposits:Those funds will be available at the time the fundsfrom the check we cashed would have been available if you deposited it.

Your Ability to Withdraw Funds. This policy disclosure applies to deposits into accounts all demand deposit Accounts and Services, including MobileCommand. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for Checks you deposit that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, returned to us unpaid and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mailother problems involving your deposit. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to generally make funds from certain electronic your cash, Check, shared ATM and EFT deposits available to you on the business day same Business Day we receive your deposit, or, if received after 3:00 p.m. CT on a Business Day or on a non-Business Day, the Bank receives the first Business Day after we receive your deposit. HoweverFor ACH EFTs, your deposit will be made available in accordance with and subject to the Bank NACHA Rules. For certain non-ACH EFTs, your deposit may delay not be considered received until we have obtained final payment of the availability funds. Mobile Deposits are generally made available immediately but may be subject to a hold. The daily and monthly Mobile Deposit limit is $5,525.00. Temporary or permanent limit increases are available upon FCB’s sole discretion and approval. If a Mobile Deposit is suspended for further review, you will receive an automatic notification as provided for herein. Should the suspended deposit be approved, funds will generally be available the following Business Day. If a Mobile Deposit is submitted after 3 p.m. CT, funds may not be available until the next Business Day. FCB will notify you of the final status of your Mobile Deposit through means provided for herein. If we are not going to make all of the funds from your check deposits to afford us deposit available on the same day we receive your deposit, we will notify you at the time to verify the deposit and ensure you make your deposit. We will also tell you when the funds are collectedwill be available. During If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the delaypremises, we notify you as provided for herein. If you will need the funds from a deposit right away, you may not withdraw should ask us when the funds and the Bank will be available. • We believe a Check you deposit will not use be paid. • You deposit Checks totaling more than $5,525.00 on any one day. • You redeposit a Check that has been returned unpaid. • You have overdrawn your Account repeatedly in the funds to pay checks you have written or other debits against the account that you have initiatedlast six months. There is an emergency, such as electronic bill paymentsfailure of computer or communications equipment. Determining We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the Availability of a Deposit The length of funds will be available. They will generally be available no later than the delay is counted in seventh business days from day after the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff time on a business day that we are open, we will consider that day to be the day your deposit is received by the Bank. However, if you make a deposit after our cutoff time or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our deposit cutoff times are as follows: • Branch deposits:.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our policy is to make funds from certain electronic your cash and check deposits available to you on the first business day after the Bank receives day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash, and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before our established cutoff the closing time for the branch on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff the closing time for the branch or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. If you make a deposit at an ATM before 1:00 p.m. (cutoff times may be later on some days or at some locations) on a business day that we are open, we will consider that day to be the day of your deposit. The availability However, if you make a deposit at an ATM after 1:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit varies depending deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available on the first business day. If we are not going to make all of the funds from your deposit and available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is explained belownot made directly to one of our employees, or if we decide to take this action after you have left the premises, we will send you the notice by the day after we receive your deposit. Our If you will need the funds from a deposit cutoff times are as followsright away, you should ask us when the funds will be available; In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • Branch deposits:We believe a check you deposit will not be paid; • You deposit checks totaling more than $5,000 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six (6) months; or • There is an emergency, such as failure of computer or communications 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 seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the using U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's policy is to make funds from certain electronic deposits available to you on the business day the Bank receives the deposit. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds are collected. During the delay, you may not withdraw the funds and the Bank will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill payments. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a For in person deposits, if the Bank receives your deposit before our established cutoff time 5:00 pm (PT) on a business day that we are open, we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit after our cutoff time or on 5:00 pm (PT) to a day we are not openlobby drop box, we will consider the next business day we are open to be the day of your deposit. The availability of your deposit varies depending on the type of deposit and is explained below. Our If you make a deposit cutoff times through Remote Deposit after 3:00 pm (PT) or on a day we are not open, we will consider the next business day we are open to be the day of your deposit. This funds availability policy does not apply to checks drawn on banks located outside the United States of America. Same Day Availability Funds from electronic direct deposits to your account will be available on the same day the Bank receives the deposit. Interbank Transfers initiated from your Online Banking account will be made available upon actual and final credit of the funds. This is typically within 3 to 5 business days. Next- Day Availability Funds from the following deposits on established accounts are available on the first business Day after the day of your deposit: • U.S. Treasury Checks that are payable to you • Wire Transfers • Checks drawn on the Bank (on-us items) If you make a deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Cashiers, certified, and teller’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on the 4th business day after the day we accept your deposit. Note: At its discretion, the Bank may decline to accept any item for deposit. Check Deposits Checks are available as follows: Checks: The first $200 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds from a deposit of checks will be available on the second business day after the day of your deposit. For example, if you deposit a check of $700 on Monday, $200 of the deposit is available on Tuesday. The remaining $500 is available on Wednesday. If we take longer to make all of the funds from these types of deposits available as disclosed above, we will notify you by e-mail within one business day after we receive your deposit. We will also tell you when the funds will be available. Longer Delays May Apply In some cases, we will not make all funds that you deposit by check available to you by the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $200 of your deposits, however, may be available no later than the first business day after your deposit. If we are not going to make all funds from your deposit available by the first business day after the day of your deposit, we generally notify you by mail or e-mail if the Bank delays 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 seventh business day after the day of your deposit. If you need the funds from a deposit right away, you should ask when the funds will be available. We may delay the availability of funds you deposit by check for a longer period under the following circumstances: • Branch deposits:The Bank believes a check you deposited will not be paid; • You deposited checks totaling more than $5,000 on any one day; • You redeposit a check that has been returned unpaid; • You have overdrawn your account repeatedly in the last six months; or • There is an emergency, such as failure of communications or computer equipment. Special Rules for New Accounts If you are a new customer, the following special rules will apply during the first thirty (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 and wire transfers will be available the first business day after the day of your deposit. The first $5,000 of a day's total deposits of traveler's, cashier's, certified, teller's and federal, state and local government checks will be available the first business day after the day of your deposit, if the deposit meets certain conditions. For example, the check is deposited into an account held by the payee and in person to an employee of the bank. The excess over $5,000 will be available on the seventh (7th) business day after the day of your deposit. If your deposit of these checks (other than a US Treasury check) is not made in person to one of our employees, the first $5,000 will not be made available until the second business day after the deposit. Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. Holds 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. Those funds will be available at the time funds from the check we cashed would have been available if you deposited it. We recognize, respect and protect the personal privacy rights of all our customers and work diligently to safeguard your privacy. We are committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information, as well as the personal information of all consumers who visit our institution. The following Privacy Policy explains how we use and protect the information about our customers. We ask that you read it carefully. Remote Deposit Capture (RDC) service allows you to make deposits to your accounts with Bank from a single or multi-item check scanner by sending images of paper checks which will convert into electronic items or Substitute Checks. You will capture digitized images of Items using the software and equipment provided by or through us or other software and equipment acceptable to us, and will ensure that the output files are compatible with RDC. Any software necessary shall be maintained by you, except as the parties may otherwise agree in writing, and must meet technical specifications acceptable to us. You have the ability to purchase a single or multi-feed check scanner that is compatible with RDC, or if you currently own a single or multi-feed check scanner, please check with Bank for compatibility. Deposits will be processed Monday through Friday, excluding federal holidays, and will post that same day if deposits are received before 8:00 p.m. Pacific Standard Time. Deposits received after 8:00 p.m. Pacific Standard Time will be posted the following business day. All deposits made are subject to the Funds Availability Policy located herein. Customer understands that any amount credited for items deposited using RDC is provisional credit and agrees to indemnify Bank against any loss Customer suffers because of acceptance of the remotely deposited check. Any image of a check that is transmitted for deposit must accurately and legibly provide all the information on the front and back of the check prior to being scanned. The scanned image of the check transmitted must accurately and legibly provide the following information: (1) the information identifying the drawer and the paying bank that is preprinted on the check, including complete and accurate MICR information and the signature(s); and (2) Payee information placed on the check prior to the time an image of the check is captured and properly endorsed on the back of the check. You will submit Items for processing to us that meet the ANSI X9.37 standards for image quality required by Regulation CC, or other standards established by us or applicable law. Our processing of any Non-Qualifying Items shall not constitute a waiver by us or obligate us to process such non-qualifying items in the future. We may discontinue processing of Non-Qualifying Items at any time, without cause or prior notice. You will not attempt to scan and transmit to us any Item which (a) has been a previously truncated and reconverted Substitute Check (any such previously truncated and reconverted Substitute Check must be physically deposited with us); or (b) has already been transmitted by you.

Your Ability to Withdraw Funds. This policy applies to deposits into accounts that are opened at the Bank. All deposits are processed at Bank's processing facility located in San Diego, CA, and are received either electronically, through the mail, or in person. Please do not mail cash deposits. In the event Bank receives cash deposits, you agree that the Bank's determination of the amount of the deposit will be conclusive. The Bank is responsible for mailed deposits only after the Bank has received them. The Bank is not liable for any deposits, including cash, lost in the mail. Remember: when you use the U.S. mail to make a deposit, you will need to allow extra time for the deposit to reach us. The Bank's Our general policy is to make funds from certain electronic your cash and check deposits available to you on the same business day we receive your deposit, except checks deposited at our ATM. Funds from checks deposited to a CashPoints ATM are generally made available to you on the Bank receives first business day after the day of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. However, the Bank may delay the availability of funds from your check deposits to afford us time to verify the deposit and ensure the funds Once they are collected. During the delayavailable, you may not can withdraw the funds in cash and the Bank we will not use the funds to pay checks you have written or other debits against the account that you have initiated, such as electronic bill paymentswritten. Determining For determining the Availability of a Deposit The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day, except Saturdays, Sundays, and federal days we are closed for observance of holidays. If you make a deposit before our established cutoff time on a business day that we are openopen at one of our branches or at a CashPoints ATM before 5:30 p.m., we will consider that day to be the day of your deposit is received by the Bankdeposit. However, if you make a deposit at one of our branches or at a CashPoints ATM after our cutoff time 5:30 p.m., or on a day we are not open, we will consider that the deposit was made on the next business day we are open open. For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the following Monday for a holiday, we will consider the deposit made on Tuesday. In some cases, we will not make all of the funds that you deposit by check available to you on the same business day of a deposit. Depending on the type of check that you deposit, funds may not be available until the fifth business day after the day of your deposit. The availability first $225 of your deposits, however, will be available on the same business day we receive your deposit. Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit varies depending on (or the type first business day after the day of your deposit for checks deposited to a CashPoints ATM), we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the end of the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposited by check may be delayed for a longer period under the following circumstances: We believe a check you deposit will not be paid You have 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 computer or communications equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and is explained belowwe will tell you when the funds will be available. Our deposit cutoff times are as follows: • Branch deposits:They will generally be available no later than the fifth business day after the day of your deposit.