Common use of Your Ability to Withdraw Funds Clause in Contracts

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, that after we make funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. 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 its closing time, 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 after 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. 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. 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. 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 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 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. Our 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 your cash and check certain electronic deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive Bank receives the deposit. Once they 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 availablecollected. During the delay, you can may not withdraw the funds in cash, and we the Bank will not use the funds to pay checks you have written or other debits against the account that you have writteninitiated, such as electronic bill payments. Please keep Determining the Availability of a Deposit The length of the delay is counted in mind, however, that after we make funds available to you, and you have withdrawn business days from the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving day of your deposit. For determining the availability of your deposits, every Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, our established cutoff time on a business day that we are open, we will consider that day to be the day of your depositdeposit is received by the Bank. However, if you make a deposit after the branch of deposit’s closing time, our cutoff 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 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 open to be the day of your deposit. 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 The availability of your deposit. 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 varies depending on the type of check that you deposit, funds may not be available until the second business day after the day of your depositdeposit and is explained below. The first $200 ($225 Our deposit cutoff times are 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 circumstancesfollows: • 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.Branch deposits:

Your Ability to Withdraw Funds. Our general policy is to make funds from your cash and check deposits deposit of checks available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your depositsdeposits at a branch, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit in a branch before its closing time, 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 after the branch of deposit’s closing time, or on a day we are not opennonbusiness day, we will consider that the deposit was made on the next business day we day. ATM deposits have a daily settlement time of 3:30 P.M. ATM deposits made before settlement Monday through Friday are openavailable on the next business day. 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) Deposits made after settlement and deposits on a Saturday, Sunday or federal holiday are available on the second business day that we following the day of deposit. All times are open, we Eastern Time. Same Day Availability Funds from the following deposits will consider that day to be available on the business day of your deposit. However: cash, if you make a deposit at an ATM after 6:30 p.m. or wire transfers, electronic payments, including preauthorized credits such as Social Security benefits and payroll payments, and checks drawn on a day we Salem Five Cents Savings Bank for which there are not open, we will consider that the deposit was made sufficient available funds 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. 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 However, the first $200 ($225 as of July 1, 2020) of your deposits, however, may deposits will be available on the first business dayday after the day of your deposit. 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 employeestellers, 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. 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 $5,000 ($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 communications or 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 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. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits also will be available on the day we receive the of deposit. Availability of electronic deposits originating from an international location may be delayed if such action is necessary to comply with the requirements from the Office of Foreign Assets Control (OFAC). Once they your deposits are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that the items you have writtenauthorized. 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 closing 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 after 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. Please keep in mind, however, remember that even after we make have made funds available to you, 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. 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 its closing timehave any questions, on a business day that we are open, we will consider that day be sure to be the day of your deposit. However, if you make a deposit after 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. 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. 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 depositask us. 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 However, the first $200 300 of deposits to a checking account will be available ($225 as of July 1, 2020in most cases) on the day of your deposits, however, may be available on the first business daydeposit. If we are not going to make all of the funds from your deposit available on the first business dayday 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 employeesemployees , 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 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 ($5,525 as of July 1, 2020) 5,600 on any one day; • .  You redeposit a check that has been returned unpaid; • .  You have overdrawn your account 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. Our general policy is to make funds from your cash and check deposits available to you on no later than the first second business day after the day we receive your deposit. Electronic direct 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 day we receive of the deposit. Our policy is to make funds from electronic direct deposits made through the automated clearinghouse (ACH) and incoming wire transfers available to you on the day of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you Mobile Deposit Funds Availability Mobile Deposit is available 24 hours a day, 7 days a week for purposes of deposits made using the mobile deposit service. With regard to the availability of deposits made using the Mobile Deposit services, our general policy is to make a deposit in a branch before its closing time, on a business day that funds available after we are open, we will consider that day to be receive and accept the day deposit. The first $225 of your deposit. However, if you make a deposit after the branch of deposit’s closing time, or on a day we are not open, we will consider that the deposit was made on be available the next business day we are openafter the day of deposit, and the remainder of the deposit to be available on the second business day. 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 at an ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on case-by-case basis. For determining the availability of your deposits, every day is considered a business day that we are openexcept Saturdays, we will consider that day to be the day of your deposit. HoweverSundays, 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 depositFederal Holidays. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on by the first second 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 dayfor a longer period. If we are not going to make all of the funds from your deposit available on by the first second business dayday after the day of your deposit, we will generally 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, employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business 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, we may delay the availability of 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 ($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 repeat-edly in the last six (6) months; or . • There is an emergency, such as failure of communications or 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. at the University of Nebraska Federal Credit Union Our policy is to make funds from your cash and check deposits deposit available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, At that time you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysholi- days. If you make a deposit in a branch before its closing time, 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 after 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. 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. 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 remember that even after we have made funds available to you, and you have withdrawn the dollar amounts listed below funds, you are subject still respon- sible for checks you deposit that are returned to change us unpaid 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 any other problems involving your deposit. DDEPIOSSIT ACCCOULNT OSURES 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 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 dayday 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 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 deposit. If you will need the funds from a the 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 $5,000 ($5,525 as of July 1, 2020) on any one day; . • You redeposit a check that has been returned unpaid; . • You have overdrawn over drawn your account repeatedly in the last six (6) months; or . • There is an emergency, such as failure of communications or 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. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds in cash, them and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 2:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if If you make a deposit after the branch of deposit’s closing time, 2:00 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 you make a deposit at an ATM before 6:30 p.m. (cutoff times Longer delays 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 depositapply. 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. 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 2nd business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may 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. 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 ($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. Our policy Except as described in this policy, our general procedure is to make funds available from your cash cash, check, and check electronic deposits available to you on the first business day after the day Business Day we receive your the deposit. Electronic deposits means an incoming wire transfer or Automated Clearing House (ACH) credit transfer (direct deposits deposit). Direct Deposits will generally be available on up to two (2) Business Days before the day Business Day we receive the deposit. Once they are available, you can withdraw the funds deposits in cash, cash and we will use the funds to pay checks that you have writtenwritten and other items you have authorized. Please keep Foreign Deposits Electronic deposits originating from a financial institution located outside of the United States (U.S.) may be delayed in mindaccordance with screening procedures necessary to comply with Office of Foreign Assets Control (OFAC) financial sanctions. Following completion of the OFAC screening procedures, however, that funds will be available no later than the next Business Day after we make funds available to youreceive your deposit. The U.S. includes each of the fifty states, and you have withdrawn 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 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. Determining the Availability of a Deposit If we delay the availability of funds from your deposits, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving the length of the delay is counted in Business Days from the day of your deposit. For determining the availability of your depositswhen funds are considered deposited, every day is a business dayBusiness Day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, on a business day that we are open, we The Business Day the funds will consider that day to be the day of your deposit. However, if you make a deposit after the branch of deposit’s closing time, or on a day we are not open, we will consider that the deposit was made considered received varies depending on the next business day we applicable service channel. Funds mailed to us will be considered received on the Business Day the funds are opendelivered 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 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 openBusiness Day before the applicable cutoff time, we will consider that day your deposit to be the day of your depositreceived that same day. However, if If you make a deposit at an ATM on a Business Day after 6:30 p.m. the applicable cutoff time or on a day we are which is not opena Business Day, we will consider that the your deposit was made on to be received the next business day we are openBusiness Day. 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 Our general cutoff time for a deposit disclosures for the dollar amounts in effect made at the time of your deposit. 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 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 depositAutomated Teller Machines (ATMs) is 7:00 p.m. Central Time. If you will need the funds from Our general cutoff time for a deposit right away, you should ask us when the funds will be availablemade in person to an employee at one of our branches is that location’s scheduled closing time. In addition, funds you deposit by check may be delayed Our general cutoff time for a longer period under the following circumstances: • We believe deposit made to a check you deposit night depository is that branch’s scheduled opening time. Scheduled closing and opening times will not be paid; • You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) vary by location and are posted at each branch and 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 depositour website at xxx.xxxxx.xxx/xxxxxxxxx.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds in cash, them and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 2:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if If you make a deposit after the branch of deposit’s closing time, 2:00 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 you make a deposit at an ATM before 6:30 p.m. (cutoff times Longer delays 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 depositapply. 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. 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 2nd business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may 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. 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 ($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. Our policy is to make funds from your cash and check deposits available to you on the first same business day after the day that we receive your deposit, unless they involve an International ACH Transaction. See below for more information on International ACH Transactions. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 will be available on the first business dayday after the date of deposit. 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 7th business day after the day of your deposit under the following circumstances: • 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 statement applies to all deposit accounts including Remote Deposit Anywhere (RDA) and MobileCommand. Our policy is to make funds from your cash cash, check, and check electronic direct deposits available to you on the first business day after the same day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 in a branch before its closing 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. However, if you make a deposit after the branch of deposit’s closing 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. 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 depositLONGER DELAYS MAY APPLY Case-by-case delays. 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. 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 same day after the day of 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first business same day. If we are not going to make all of the funds from your deposit available on the first business daysame 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 ($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. Our policy We reserve the right to place a hold on any deposits 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 to make the originator of an Automated Clearing House (ACH) transaction, we may hold the funds for 5 business days. ACH transactions originated at another US financial institution will be credited as of the business day CIT Bank, N.A. receives the funds from your cash bank. Checks deposited to your account will be held for 7 business days from the date the check is received. ACH, check, and check deposits available wire transfer transactions from non US financial institutions are not accepted. In our sole discretion, we reserve the right to you place an extended hold on transactions that may be fraudulent or suspicious. Determining the first Availability of a Deposit The length of the delay is counted in business day after days from the day we receive of your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 that is received by us via the U.S. Postal Service, overnight carrier or courier before its closing 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 you make a deposit is received by us after the branch of deposit’s closing 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. If you make a deposit at an ATM Mobile Deposit before 6:30 4:00 p.m. (cutoff times may be later on some days or at some locations) PT on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make If a deposit at an ATM is received by us through Mobile Deposit after 6:30 4:00 p.m. or PT on a day we are not openopen for business, we will consider that the deposit was to be made on the next business day we are open. Please note COMMUNICATIONS, NOTICES AND STATEMENTS WE MAY SEND YOU About Sending Communications, Notices and Statements to You 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 dollar amounts listed below post office informs us are subject undeliverable; • send communications 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 you at the time 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. Delivery of Communications about Changes When we inform you of changes affecting your depositaccounts, rights and obligations, we do so by delivering or making the communication available to you. Longer Delays May Apply In some cases, we will not make all may post a notice of the funds that you deposit by check available to you a change on the first business day after the day of your depositour website. 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 dayOtherwise, we will notify may mail the communication regarding a change to you at the time address currently in our records or via text message, e- mail, secure messaging or other means (if you make your deposithave agreed to such method). We will also tell you when the funds will be availablemay provide a communication as a message on your statement or as a statement insert. If your deposit a communication of a change is not made directly returned to one of our employeesus as undeliverable, or if we decide stop sending communications to take this action after 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. Change of Address You agree to notify us immediately of any change of your 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 left moved and have a new address. It is your responsibility to ensure that the premisescontact information in your Online Banking profile is current and accurate. This includes, but is not limited to, name, address, phone numbers, and email address. Changes in Ownership and Authorized Signers 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 will mail you the notice may continue to honor items and instructions given earlier by the day after 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 depositaccount 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. PROTECTING YOUR ACCOUNTS Precautions You Should Take 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 Closing a Compromised Account If you or we suspect that your account is or may be compromised (including any unauthorized transactions on the account), we may recommend that you close your account and open a new account. If we recommend that you will need close your account and you do not do so, we are not liable to you for subsequent losses or damages on the funds from account due to unauthorized transactions. When you open a deposit right awaynew account, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed are responsible 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 ($5,525 as of July 1, 2020) on notifying any one day; • You redeposit a check third parties that has been returned unpaid; • You have overdrawn need to know your new 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 depositnumber.

Your Ability to Withdraw Funds. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the second business day after the day we receive your deposit, with the first $200 available on the first business day after the day we receive of your deposit. Electronic direct deposits will be available on the day we receive the deposit. Cash, wire transfers, and some specified check deposits will also be available before the second business day, as detailed below. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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 after 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. 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) 2:30 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 6:30 p.m. 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. Please note that Same-Day Availability Funds from electronic direct deposits to your account will be available on 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 day we receive the Bank’s point of deposit disclosures for the dollar amounts in effect at the time of your deposit. Longer Delays May Apply In some cases, we will not make all of Next-Day Availability Funds from the funds that you deposit by check following deposits are available to you on the first business day after the day of your deposit: U.S. Treasury checks that are payable to you. Depending Wire transfers. Checks drawn on American Broadcast Employees 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 type of check that you deposit, funds may not be available until the second first business day after the day of your deposit: Cash. The first $200 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 teller’s checks that are payable to you if you use a special deposit slip available from our tellers. 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 ($225 as of July 1for example, 2020) of your depositsif you mail the deposit), however, may funds from these deposits 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. 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 ($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 second business day after the day of we receive your deposit.

Your Ability to Withdraw Funds. These provisions apply only to demand deposit checking Accounts where deposits are made via Mobile Deposits. You agree that electronic images submitted via Mobile Deposits from your mobile device are not subject to the funds availability requirements of the Federal Reserve Board’s Regulation CC. Our policy is to generally make funds from your cash and check deposits Mobile Deposits available to you on the first business day Business Day after the day we receive your deposit. Electronic direct Funds that are deposited using Mobile Deposits will not be deemed “received” by us until we have received an electronic image that meets all of the requirements for deposits will be available on the day we receive the deposit(including all requirements to create a Substitute Check) stated in this Agreement and in any Documentation. Once they the funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, that after we make funds available to you, items 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 transactions drawn on your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysAccount. If you make a deposit in a branch before its closing time, via Mobile Deposits by the cut-off time of 5:00 p.m. CST on a business day that we are openis not a Business Day, we will consider that day to be the day of your deposit. However, if you make a such deposit after 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 Business Day we are 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. 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. Longer Delays May Apply Apply. In some cases, we will not make all of the funds that you deposit by check via Mobile Deposits available to you on the first business day 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 Business Day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of Funds shall be made available in accordance with your deposits, however, may be available on the first business dayFunds Availability Disclosure provided with your Account Agreement. If we are not going to make all of the funds from your deposit available on the first business dayBusiness Day, we will generally notify you at the time you make your deposit. We will also attempt to 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 awayvia Mobile Deposits, you should ask contact us to inquire when the funds will be available. In addition, funds you deposit by check via Mobile Deposits may be delayed for a longer period under the following circumstancesfor a variety of additional reasons as determined in Bank’s sole discretion, including, but not limited to: • We believe a check you deposit will not be paid; paid • We believe a check you deposit is a duplicate image • You deposit checks totaling more than $5,000 ($5,525 as of July 1any applicable per item limit, 2020) daily dollar amount limit, monthly item limit or any other limitations on any one day; your Services that Bank may impose • You redeposit a check that has been returned unpaid; unpaid • You have overdrawn your account Account repeatedly in the last six (6) months; or months • There is an emergency, such as failure of computer or communications equipment. equipment • We will notify you if we delay your ability exercise our rights to withdraw funds for investigate 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.unusual or suspicious Mobile Deposit items as determined in Bank’s sole discretion

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits made in person to one of our employees available to you on the first same business day that we receive your deposit, with next day availability if conditions aren't met. Any deposits that are not made in person to one of our employees will not be available until the second business day after the day we receive date of your deposit. Electronic direct deposits will be available on the day we receive the deposit, unless they involve an International ACH Transaction (see below for more information on International ACH Transactions). Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, that after we make funds available We reserve the right 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. For determining the delay 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 its closing time, on a business day that we are open, we will consider that day to be electronic deposits for the day of your deposit. However, if you make a deposit after 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. 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. 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 maximum time allowed by law on July 1, 2020 and July 1 the rules of each fifth year, thereafter. See the Bank’s point of deposit disclosures for the dollar amounts payment systems in effect at the time of your depositwhich we participate. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first business dayday after the date of deposit. 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 7th business day after the day of your deposit under the following circumstances: • 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. Our The Bank’s policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 before 2:00 p.m. at a branch (some branch locations have a later cutoff hour), or before its closing time12:00 p.m. at one of our 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. In this regard, the cutoff hour for deposits at our branches is no earlier than 2:00 p.m., but may vary from branch to branch depending on the location 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 the applicable branch of deposit’s closing timecutoff 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. 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. 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. Longer Delays May Apply In some cases, we 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 first $200 ($225 as of July 1, 2020) of your depositsdeposit, however, may be available on the first (1st) business day. If we are the Bank is not going to make all of the funds from your deposit 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 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 $5,000 ($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.one

Your Ability to Withdraw Funds. Our 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 your cash and check certain electronic deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive Bank receives the deposit. Once they 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 availablecollected. During the delay, you can may not withdraw the funds in cash, and we the Bank will not use the funds to pay checks you have written or other debits against the account that you have writteninitiated, such as electronic bill payments. Please keep Determining the Availability of a Deposit The length of the delay is counted in mind, however, that after we make funds available to you, and you have withdrawn business days from the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving day of your deposit. For determining the availability of your deposits, every 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 in a branch before its closing 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. However, if you make a deposit after 5:00 pm (PT) to a lobby drop box, we will consider the branch next business day we are open to be the day of your deposit’s closing time, . The availability of your deposit varies depending on the type of deposit and is explained below. If you make a deposit through Remote Deposit after 3:00 pm (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. 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 open to be the day of your deposit. However, if 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 at an ATM in person to one of our employees, funds from the following deposits are also available on the first business day after 6:30 p.m. or 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 a the second business day after the day we are not openreceive your deposit. If you make a deposit using our Remote Deposit Services, we funds from these deposits will consider that the deposit was made be available on the next 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 open. Please note that available as follows: Checks: The first $200 from a deposit of checks will be available on 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 first business day after the Bank’s point of deposit disclosures for the dollar amounts in effect at the time 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 of the funds that you deposit by check available to you on 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 ($225 as of July 1, 2020) of your deposits, however, may be available on no later than the first business dayday after your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally notify you at by mail or e-mail if 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 $5,000 ($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 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.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day Business Day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in before our 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 branch before its closing time, night depository) on a business day Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the branch of deposit’s closing 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. If you make a deposit at an ATM before 6:30 p.m. (cutoff times may be later Our name is on some days or at some locations) on a business day all the ATMs 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 6:30 p.m. own 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 depositoperate. 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 Business Day after the day of your deposit. The first $225 of your 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 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 dayBusiness 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 depositdeposit or the first day following the day the facts became known to the Bank. 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 $5,000 ($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 Business Day after the day of your deposit.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. If you mail a deposit, we will consider the deposit made on the day we receive the deposit. Electronic direct deposits and cash deposits will be available on the day we receive the deposit, unless they involve an International ACH Transaction. See below for more information on International ACH Transactions. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds them to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 will be available on the first business dayday after the date of deposit. 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 7th business day after the day of your deposit under the following circumstances: • 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. Our policy is to make funds from your cash cash, check, and check electronic direct deposits available to you on the first business day after the day we receive your depositimmediately. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. If you make a deposit after 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. Schedule of Cut-off Times: 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 keep in mind, however, remember that even after we make 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysLONGER DELAYS MAY APPLY Case-by-Case delays. If you make a deposit in a branch before its closing time, 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 after 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. 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. 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. 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 depositimmediately. 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 $200 200.00 ($225 as of 225.00 effective July 1, 2020) of your deposits, however, may will be available on the first business dayimmediately. If we are not going to make all of the funds from your deposit available on the first business dayimmediately, 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 5,000.00 ($5,525 as of 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 (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. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing 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. However, if you make a deposit at one of our branches after the branch of deposit’s closing time5:30 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. If For example, if you make deposit funds at a deposit at an CashPoints ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that Saturday, and we are openclosed the following Monday for a holiday, we will consider that day to be the day of your deposit. 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 depositTuesday. 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 same business day after the day of your 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit 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; • You paid 4You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You day 4You redeposit a check that has been returned unpaid; • You unpaid 4You have overdrawn your account repeatedly in the last six (6) months; or • There months 4There is an emergency, such as failure of computer or communications equipment. 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 fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy statement applies to “transaction” accounts, but not to savings accounts. Transaction accounts, in general, are accounts 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 the most common transaction accounts. Savings 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 your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing 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. However, if you make a deposit after the branch of deposit’s closing 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. 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) 7:00 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 6:30 p.m. 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. Please note If we cash a check for you that is drawn on another bank, we may withhold the dollar amounts listed below availability of a corresponding amount of funds that are subject to change and shall already in your account. Those funds will 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 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 your depositfunds that you have on deposit in another account with us. Longer Delays May Apply 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. LONGER DELAYS MAY APPLY 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 ($225 as of July 1, 2020) of your deposits, however, may 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 $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. FUNDS AVAILABILITY POLICY Our policy is to make funds from your cash and check deposits available to you on the first same business day after the day that we receive your deposit, unless they involve an International ACH Transaction. See below for more information on International ACH Transactions. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 will be available on the first business dayday after the date of deposit. 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 7th business day after the day of your deposit under the following circumstances: • 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. Our policy is to make funds Funds from your cash and check the following deposits are available to you on the first business day after the day we receive of your deposit: Cash, U.S. Treasury Checks that are payable to you, Wire Transfers, Checks drawn on Advia Credit Union. Electronic direct If your deposit is made directly to one of our employees, funds from the 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 payable to you, Federal Reserve financial institution checks, Federal Home Loan financial institution checks, and money orders, if these items are payable to you. If your deposit is not made directly to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second (2nd) business day we receive after the day of deposit. Once they are available, you can withdraw Deposits at Automated Teller Machines 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 funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, on a fifth business day that we are open, we will consider that day to be after the day of your deposit. However, if you make a deposit after the branch of deposit’s closing time, or on a day we are This rule does not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit apply at an ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day ATMs that we own or operate. All ATMs that we own or operate are open, we will consider that day to be the day of your deposit. 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 depositidentified as our machines. Longer Delays May Apply In some cases, 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 fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may 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 first business 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 (a) we believe a check you deposit will not be paid; • You (b) you deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You (c) you redeposit a check that has been returned unpaid; • You (d) you have overdrawn your account repeatedly in the last six (6) months; or • There (e) there is an emergency, ; such as failure of communication or 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 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. Our policy is This disclosure applies to make funds from your cash all demand deposit Accounts and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableServices, you can withdraw the funds in cash, and we will use the funds to pay checks that you have writtenincluding MobileCommand. Please keep in mind, however, remember that even after we make have made funds available to you, and you have withdrawn the funds, you are still responsible for checks Checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining Our policy is to generally make funds from your cash, Check, shared ATM and EFT deposits available to you on the availability of same Business Day we receive your depositsdeposit, every day is a business dayor, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, if received after 3:00 p.m. CT on a business day that Business Day or on a non-Business Day, the first Business Day after we are open, we will consider that day to be the day of receive your deposit. HoweverFor ACH EFTs, if your deposit will be made available in accordance with and subject to the NACHA Rules. For certain non-ACH EFTs, your deposit may not be considered received until we have obtained final payment of the funds. MOBILE DEPOSIT AND MOBILECOMMAND 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 make 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 deposit Mobile Deposit is submitted after the branch of deposit’s closing time3 p.m. CT, or on a day we are funds may not open, we will consider that the deposit was made on be available until the next business day we are openBusiness Day. If FCB will notify 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 of the day final status of your depositMobile Deposit through means provided for herein. 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 openLONGER DELAYS MAY APPLY Case-by-case delays. 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. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check Check available to you on the first business same day after the day of we receive your deposit. Depending on the type of check Check that you deposit, funds may not be available until the second business day Business Day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first business dayday we receive your deposit. If we are not going to make all of the funds from your deposit available on the first business daysame 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 notify you the notice by the day after we receive your depositas provided for herein. 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 Check may be delayed for a longer period under the following circumstances: • We believe a check Check you deposit will not be paid; . • You deposit checks Checks totaling more than $5,000 ($5,525 as of July 1, 2020) 5,525.00 on any one day; . • You redeposit a check Check that has been returned unpaid; . • You have overdrawn your account 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. Our general policy is to make funds from your cash and check deposits available to you on no later than the first business day after the day we receive your deposit. Electronic Our policy is to make funds from electronic direct deposits will be made through the automated clearing house (ACH) and incoming wire transfers available to you on the day we receive of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit in a branch before its closing 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 of your deposit. The 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 the branch of deposit’s closing 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. 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. 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. 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 that you deposit by check available to you on 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 decide to do this, the funds will generally be available by the eighth 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 no later than the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally 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 next business 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, we may delay the availability of 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 deposited more than $5,000 ($5,525 as of July 1, 2020) on any one day; • 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; • You have .  One or more of your accounts has been overdrawn your account repeatedly in the last six (6) months; or • .  There is an emergency, such as failure of communications or computer or communications 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 seventh eighth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Government Checks, Cashier’s Checks and Other Special Types of Checks 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. 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. Cash Withdrawal Limitation 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. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing 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. However, if you make a deposit at one of our branches or at a CashPoints ATM after the branch of deposit’s closing time5:30 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. If For example, if you make deposit funds at a deposit at an CashPoints ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that Saturday, and we are openclosed the following Monday for a holiday, we will consider that day to be the day of your deposit. 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 depositTuesday. 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 same business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit 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 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. Our policy is to make funds from your cash and check deposits available to you on the first business day Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive received the deposit. Once they the funds are available, you can withdraw the funds them in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make have made funds available to you, you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us as unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business dayBusiness Day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing 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. However, if you make a deposit after 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. 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. However, if you make a deposit at an ATM after 6:30 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 Business Day we are open. Please note If we accept for deposit a check that is drawn on another bank, we may make funds from the dollar amounts listed below 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 time periods that 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 described elsewhere in this disclosure for the dollar amounts in effect at the time type of your depositcheck that you deposited. Longer Delays May Apply 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 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 Business Day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first business dayBusiness Day. If we are not going to make all of the funds from your deposit available on the first business dayBusiness 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 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 can you deposit will not be paid; . • You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) 5000 on any one day; . • You redeposit a the 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 availableAlso, if your statement shows transfers that you did not make, including those made by card, code, or other means, tell us at once. They will generally be available no later than the seventh business day If you do not tell us within 60 days after the day FIRST statement on which the unauthorized transfer appeared was delivered to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods for a reasonable period. Additional Limit on Liability for Mastercard debit card. You will not be liable for any unauthorized transactions using your Mastercard debit card if: (i) you can demonstrate that you have exercised reasonable care in safe guarding your card from the risk of your depositloss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. (Mastercard is a registered trademark of Mastercard International Incorporated).

Your Ability to Withdraw Funds. This policy statement applies to all accounts. Our policy is to make funds from your cash cash, check, and check electronic direct deposits available to you on the first business day after the same day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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 after 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. If you make a deposit at an ATM before 6:30 p.m. 12:00 P.M. (cutoff times may be later on some days or at some locationsnoon) Pacific Standard Time 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 6:30 p.m. 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. 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, thereafterLONGER DELAYS MAY APPLY Case-by-case delays. See the Bank’s point of deposit disclosures for the dollar amounts in effect at the time of your deposit. 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 same day after the day of 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first business same day. If we are not going to make all of the funds from your deposit available on the first business daysame 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 ($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. Our general policy is to make funds from your cash and check deposits available to you on no later than the first business day after the day we receive your deposit. Electronic Our policy is to make funds from electronic direct deposits will be made through the automated clearing house (ACH) and incoming wire transfers available to you on the day we receive of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit in a branch before its closing 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 of your deposit. The 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 the branch of deposit’s closing 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. 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. 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. 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 that you deposit by check available to you on 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 to you by the second first 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 no later than the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally 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 next business 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, we may delay the availability of 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 ($5,525 as of July 1, 2020) on any one day; 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; . • You have One or more of your accounts has been overdrawn your account repeatedly in the last six (6) months; or . • There is an emergency, such as failure of communications or computer or communications 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 seventh sixth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Government Checks, Cashier’s Checks and Other Special Types of Checks 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).

Your Ability to Withdraw Funds. This policy statement applies to all deposit accounts. Our policy is to make funds from your cash and check deposits available to you on the first business firstbusiness day after the day we receive your deposit. Electronic direct However, funds from the following deposits will be available on the day we receive the deposit: • Cash deposits made at the teller window • Wire transfers and electronic direct deposits, such as social securitybenefits and payroll payments. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make have made the funds available to youtoyou, 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 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 in a branch before its closing time, 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 after the branch of deposit’s closing timewe 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. If you make we accept for deposit a deposit at an ATM before 6:30 p.m. (cutoff times may be later check that is drawn on some days or at some locations) on a business day that we are openanother bank, we will consider may make the funds from that day check available for withdrawal immediately, but delay your availability to be the day withdraw a corresponding amount of your deposit. 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. Longer Delays May Apply In some cases, we will not make all of the funds that you have on deposit by check in another account with us. The funds in the other account would then not be available to you on for withdrawal until the first business day after the day of your deposit. Depending on time periods for 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 daydeposited. If we are not going to make all of the funds from your deposit available cash a check for you that is drawn on the first business dayanother bank, we may withhold the availability of a corresponding amount of funds that are already inan account you have with us. Those funds will notify you be available at the time the fundsfrom the check we cashed would have been available if 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 $5,000 ($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 depositdeposited it.

Your Ability to Withdraw Funds. Our general policy is to make funds from your cash and in-person check deposits available to you on the same business day we receive your deposit. Funds from checks deposited to a CashPoints ATM are generally made available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 of your deposit. 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 in a branch before its closing time, on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make open at our branch or at a deposit after 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. If you make a deposit at an CashPoints 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 open5:30 p.m., we will consider that day to be the day of your deposit. However, if you make a deposit at an our branch or a CashPoints ATM after 6:30 p.m. 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. Please note that For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the dollar amounts listed below are subject to change and shall be adjusted by law following Monday for a holiday, we will consider the deposit made 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 depositTuesday. 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 same or next business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second seventh business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may 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. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We we believe a check you deposit will not be paid; paid • You deposit the check you deposited, or other checks totaling more than $5,000 ($5,525 as of July 1you have previously deposited, 2020) on any one day; • You redeposit a check that has been returned unpaid; unpaid • You you make a large deposit (however, up to $5,525 will be available on the same or next business day) • you make a deposit to a new transaction account • you have overdrawn one of your account accounts with us repeatedly in the last six (6) months; or months • There there is an emergency, such as a weather emergency, power outage or failure of computer or communications equipment. 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 With respect to deposits made to Checking accounts, CPG accounts and HSAs, funds from the deposit will generally be available no later than the seventh business day after the day of your deposit.. Special Rules

Your Ability to Withdraw Funds. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing time, on a business day that day, we are open, we will consider that day to be the day open at one of your deposit. However, if you make our branches or at a deposit after 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. If you make a deposit at an CashPoints 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 open5:00 p.m., we will consider that day to be the day of your deposit. However, if you make a deposit at an one of our branches or a CashPoints ATM after 6:30 p.m. 5:00 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. Please note that For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the dollar amounts listed below are subject to change and shall be adjusted by law following Monday for a holiday, we will consider the deposit made 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 depositTuesday. 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 same business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We we believe a check you deposit will not be paid; paid • You deposit the check you deposited, or other checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You redeposit a check that you have previously deposited has been returned unpaid; unpaid • You you have overdrawn one of your account accounts with us repeatedly in the last six (6) months; or months • There there is an emergency, such as a weather emergency, power outage or failure of computer or communications equipment. 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 fifth business day after the day of your deposit.. Special Rules

Your Ability to Withdraw Funds. Our 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 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 your cash and check certain electronic deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive Bank receives the deposit. Once they 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 availablecollected. During the delay, you can may not withdraw the funds in cash, and we the Bank will not use the funds to pay checks you have written or other debits against the account that you have writteninitiated, such as electronic bill payments. Please keep Determining the Availability of a Deposit The length of the delay is counted in mind, however, that after we make funds available to you, and you have withdrawn business days from the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving day of your deposit. For determining the availability of your deposits, every 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 in a branch before its closing 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. However, if you make a deposit after 5:00 pm (PT) to a lobby drop box, we will consider the branch next business day we are open to be the day of your deposit’s closing time, . The availability of your deposit varies depending on the type of deposit and is explained below. If you make a deposit through Remote Deposit after 3:00 pm (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. 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 open to be the day of your deposit. However, if 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 at an ATM in person to one of our employees, funds from the following deposits are also available on the first business day after 6:30 p.m. or 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 a 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 not openavailable 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 consider that the deposit was made on the next notify you by e-mail within one business day after 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 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 of the funds that you deposit by check available to you on 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 ($225 as of July 1, 2020) of your deposits, however, may be available on no later than the first business dayday after your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally notify you at by mail or e-mail if 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 $5,000 ($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 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. Privacy Policy 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 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. Our 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 your cash and check certain electronic deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive Bank receives the deposit. Once they 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 availablecollected. During the delay, you can may not withdraw the funds in cash, and we the Bank will not use the funds to pay checks you have written or other debits against the account that you have writteninitiated, such as electronic bill payments. Please keep Determining the Availability of a Deposit The length of the delay is counted in mind, however, that after we make funds available to you, and you have withdrawn business days from the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving day of your deposit. For determining the availability of your deposits, every Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, our established cutoff time on a business day that we are open, we will consider that day to be the day of your depositdeposit is received by the Bank. However, if you make a deposit after the branch of deposit’s closing time, our cutoff 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 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 open to be the day of your deposit. HoweverThe 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, if 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 6:30 p.m. or the banking day of deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on a 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 not open, we available as follows: Checks: The first $225 from a deposit of checks will consider that the deposit was made be available on the next first business day we are open. Please note that after 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 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 of the funds that you deposit by check available to you on 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 ($225 as of July 1, 2020) of your deposits, however, may be available on no later than the first business dayday after your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally notify you at by mail or e-mail if 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 $5,000 ($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 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. Our general policy is to make funds from your cash and check deposits available to you on no later than the first business day after the day we receive your deposit. Electronic Our policy is to make funds from electronic direct deposits will be made through the automated clearing house (ACH) and incoming wire transfers available to you on the day we receive of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit in a branch before its closing 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 of your deposit. The 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 the branch of deposit’s closing 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. 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. 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. 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 that you deposit by check available to you on 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 decide to do this, the funds will generally be available by the eighth 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 no later than the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally 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 next business 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, we may delay the availability of 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 deposited more than $5,000 ($5,525 as of July 1, 2020) on any one day; 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; . • You have One or more of your accounts has been overdrawn your account repeatedly in the last six (6) months; or . • There is an emergency, such as failure of communications or computer or communications 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 seventh eighth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Government Checks, Cashier’s Checks and Other Special Types of Checks 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. 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. Cash Withdrawal Limitation 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. ‌‌ Our general policy is to make funds from your cash and check deposits available to you on no later than the first second business day after the day we receive your deposit. Electronic direct deposits 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 day we receive of the deposit. Our policy is to make funds from electronic direct deposits made through the automated clearinghouse (ACH) and incoming wire transfers available to you on the day of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit in a branch before its closing time, 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 after 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. 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. 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. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on by the first second 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 dayfor a longer period. If we are not going to make all of the funds from your deposit available on by the first second business dayday after the day of your deposit, we will generally 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, employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business 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, we may delay the availability of funds you deposit by check may be delayed for a longer period peri- od 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 (first $5,525 as of July 11st, 2020) on any one day; ). • You redeposit a check that has been returned unpaid; . • You have overdrawn your account repeatedly repeat- edly in the last six (6) months; or . • There is an emergency, such as failure of communications or 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. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. In some cases, operational constraints may delay availability of these funds until the next business day after we receive your deposit. We will only provide you with a notice if we delay availability of these funds beyond the next business day as discussed below in the section headed "Longer Delays May Apply". Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds them to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have deposit cut off times posted in the lobby of each Banking Center. Our earliest cutoff time is 2:00 P.M. If you make a deposit in a branch before its closing time, our cutoff time 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 after the branch of deposit’s closing time, our cutoff 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 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. 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. 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 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 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 ($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. Our policy is to make funds from your cash and check deposits available to you on the first business day Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day Business Day we receive the depositdeposit . Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in before our 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 branch before its closing time, night depository) on a business day Business Day that we are open, we will consider that day to be the day of your depositdeposit . However, if you make a deposit after the branch of deposit’s closing 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 openopen . If you make a deposit at an ATM before 6:30 p.m. (cutoff times may be later Our name is on some days or at some locations) on a business day all the ATMs 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 6:30 p.m. own 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 depositoperate . Longer Delays May Apply 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 Business Day after the day of your deposit. The first $225 of your 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 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 dayBusiness 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 premiseshaveleft thepremises, we will mail you the notice by the day after dayafter we receive your depositdeposit or the first day following the day the facts became known to the Bank . If you will need the funds from a deposit right away, you should ask us when the funds will fundswill 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; 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; unpaid . • You have overdrawn your account repeatedly in the last six (6) months; or months . • There is an emergency, such as failure of computer or communications equipmentequipment . 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 whenthefundswill be available. They will Theywill generally be available no later than the thanthe seventh business day Business Day after the day of your depositdeposit .

Your Ability to Withdraw Funds. Our general policy is to make funds from your cash and check deposits available to you on no later than the first business day after the day we receive your deposit. Electronic Our policy is to make funds from electronic direct deposits will be made through the automated clearing house (ACH) and incoming wire transfers available to you on the day we receive of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit in a branch before its closing 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 of your deposit. The 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 the branch of deposit’s closing 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. 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. 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. 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 that you deposit by check available to you on 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 eighth 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 no later than the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally 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 next business 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, we may delay the availability of 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 deposited more than $5,000 ($5,525 as of July 1, 2020) on any one day; 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; . • You have One or more of your accounts has been overdrawn your account repeatedly in the last six (6) months; or . • There is an emergency, such as failure of communications or computer or communications 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 we will tell you when the funds will be available. They will generally be available no later than the seventh eighth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Government Checks, Cashier’s Checks and Other Special Types of Checks 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 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. Cash Withdrawal Limitation 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. Our general policy is to make funds from your cash and check deposits available to you on no later than the first business day after the day we receive your deposit. Electronic Our policy is to make funds from electronic direct deposits will be made through the automated clearing house (ACH) and incoming wire transfers available to you on the day we receive of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit in a branch before its closing 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. However, if you make a deposit in a banking center or at an ATM after the branch of deposit’s closing 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. 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. 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. 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 that you deposit by check available to you on 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 ($225 as of July 1, 2020) of your deposits, however, may be available on no later than the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally 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 next business 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, we may delay the availability of 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 ($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 communications or 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. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing 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. However, if you make a deposit at one of our branches or at a CashPoints ATM after the branch of deposit’s closing time5:30 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. If For example, if you make deposit funds at a deposit at an CashPoints ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that Saturday, and we are openclosed the following Monday for a holiday, we will consider that day to be the day of your deposit. 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 depositTuesday. 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 same business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit 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; • paid Ø You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You redeposit have redeposited a check that has been returned unpaid; • unpaid Ø You have overdrawn your account repeatedly in the last six (6) months; or • months Ø There is an emergency, such as failure of computer or communications equipment. 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 fifth business day after the day of your deposit.. Special Rules

Your Ability to Withdraw Funds. Our policy is to make funds from your cash cash, check, and check electronic direct deposits available to you on the first business day after the day we receive your depositimmediately. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. If you make a deposit after 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. Schedule of Cut-off Times: 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 keep in mind, however, remember that even after we make 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysLONGER DELAYS MAY APPLY Case-by-Case delays. If you make a deposit in a branch before its closing time, 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 after 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. 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. 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. 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 depositimmediately. 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) 200.00 of your deposits, however, may will be available on the first business dayimmediately. If we are not going to make all of the funds from your deposit available on the first business dayimmediately, 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 ($5,525 as of July 1, 2020) 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 (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. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. In some cases, operational constraints may delay availability of these funds until the next business day after we receive your deposit. We will only provide you with a notice if we delay availability of these funds beyond the next business day as discussed below in the section headed "Longer Delays May Apply". Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds them to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have deposit cut off times posted in the lobby of each Banking Center. Our earliest cutoff time is 2:00 P.M. If you make a deposit in a branch before its closing time, our cutoff time 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 after the branch of deposit’s closing time, our cutoff 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 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. 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. 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 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 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 ($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 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. (Funds Availability Policy) Funds “availability” means your ability to withdraw funds from your Account, whether those withdrawals are made in cash, by check, automatic payment, or any other method we offer you for access to your Account. If deposited funds are not available to you on a given day, you may not withdraw funds in cash and we may not use the funds to pay items that you have written or honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you, this may result in an overdraft and we may charge a fee for this. Please see the Fee Schedule for overdraftfees. Your Ability to Withdraw Funds Our policy is to make available certain funds from deposited in your cash and check deposits available to you Account on the first business day Business Day after the day we receive your deposit. Electronic direct deposits will be In some cases, we may delay your ability to withdraw funds beyond the first Business Day. Determining the Availability of a Deposit The day funds become available on and the length of the delay is determined by counting Business Days from the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 of your deposit. For determining the availability of your deposits, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, person on a business day that Business Day we are open, we will consider that day to be the day of your depositdeposit for purposes of calculating when your funds will become available. However, if If you make a deposit after the branch of deposit’s closing timeon a day that is not a Business Day, 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. 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. 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. Longer Delays May Apply In some cases, we will not make all The length of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending delay varies 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 and 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 $5,000 ($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 equipmentexplained below. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell disclose to you when the funds will be available. They This disclosure will generally be available given at the time of deposit. If a hold is placed after the transaction has occurred or on a mail or night drop check deposit, written notice will be mailed no later than the seventh business day after next Business Day. Same Day Availability Funds from electronic direct deposits to your Account will be available on the day of they are received into your depositAccount.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 before the closing time for the branch before its closing time, 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 after the closing time for 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. If you make a deposit at an ATM before 6:30 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. However, if you make a deposit at an ATM after 6:30 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. 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. 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 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 send 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 $5,000 ($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. Our policy is to make funds from your cash and check deposits available to you on the first same business day after the day that we receive your deposit, unless they involve an International ACH Transaction. See below for more information on International ACH Transactions. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 will be available on the first business dayday after the date of deposit. 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 7th business day after the day of your deposit under the following circumstances: • 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. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing time, on a business day that we are open, we will consider that day to be the day open at one of your deposit. However, if you make our branches or at a deposit after 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. If you make a deposit at an CashPoints 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 open5:30 p.m., we will consider that day to be the day of your deposit. However, if you make a deposit at an one of our branches or at a CashPoints ATM after 6:30 p.m. 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. Please note that For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the dollar amounts listed below are subject to change and shall be adjusted by law following Monday for a holiday, we will consider the deposit made 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 depositTuesday. 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 same business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We we believe a check you deposit will not be paid; paid • You deposit the check you deposited, or other checks totaling more than $5,000 ($5,525 as of July 1you have previously deposited, 2020) on any one day; • You redeposit a check that has been returned unpaid; unpaid • You you have overdrawn one of your account accounts with us repeatedly in the last six (6) months; or months • There there is an emergency, such as a weather emergency, power outage, or failure of computer or communications equipment. 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 fifth business day after the day of your deposit.. Special Rules

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day Business Day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in before our 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 branch before its closing time, night depository) on a business day Business Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the branch of deposit’s closing 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. If you make a deposit at an ATM before 6:30 p.m. (cutoff times may be later Our name is on some days or at some locations) on a business day all the ATMs 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 6:30 p.m. own 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. operate.‌ 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 Business Day after the day of your deposit. The first $225 of your 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 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 dayBusiness 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 depositdeposit or the first day following the day the facts became known to the Bank. 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; paid.‌ • You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; day.‌ • You redeposit a check that has been returned unpaid; unpaid.‌ • You have overdrawn your account repeatedly in the last six (6) months; or months.‌ • There is an emergency, such as failure of computer or communications equipment. 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 Business Day after the day of your deposit.

Your Ability to Withdraw Funds. Our 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 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 your cash and check certain electronic deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive Bank receives the deposit. Once they 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 availablecollected. During the delay, you can may not withdraw the funds in cash, and we the Bank will not use the funds to pay checks you have written or other debits against the account that you have writteninitiated, such as electronic bill payments. Please keep Determining the Availability of a Deposit The length of the delay is counted in mind, however, that after we make funds available to you, and you have withdrawn business days from the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving day of your deposit. For determining the availability of your deposits, every 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 in a branch before its closing 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. However, if you make a deposit after 5:00 pm (PT) to a lobby drop box, we will consider the branch next business day we are open to be the day of your deposit’s closing time, . The availability of your deposit varies depending on the type of deposit and is explained below. If you make a deposit through Remote Deposit after 3:00 pm (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. 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 open to be the day of your deposit. However, if 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 at an ATM in person to one of our employees, funds from the following deposits are also available on the first business day after 6:30 p.m. or 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 a 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 not openavailable 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 consider that the deposit was made on the next notify you by e-mail within one business day after 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 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 of the funds that you deposit by check available to you on 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 ($225 as of July 1, 2020) of your deposits, however, may be available on no later than the first business dayday after your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally notify you at by mail or e-mail if 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 $5,000 ($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 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. Privacy Policy 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 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. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing 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. However, if you make a deposit at one of our branches or at a CashPoints ATM after the branch of deposit’s closing time5:30 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. If For example, if you make deposit funds at a deposit at an CashPoints ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that Saturday, and we are openclosed the following Monday for a holiday, we will consider that day to be the day of your deposit. 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 depositTuesday. 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 same business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; • paid You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You redeposit have redeposited a check that has been returned unpaid; • unpaid You have overdrawn your account repeatedly in the last six (6) months; or • months There is an emergency, such as failure of computer or communications equipment. 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 fifth business day after the day of your deposit.. Special Rules

Your Ability to Withdraw Funds. Our general policy is to make funds from your cash and check deposits available to you on the first 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 first business day after the day we receive 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. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing 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. However, if you make a deposit at one of our branches after the branch of deposit’s closing time5:30 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. 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. 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. 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 same business day after the day of your 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 first first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the first same business dayday of your deposit (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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit 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; • You paid 4You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You day 4You redeposit a check that has been returned unpaid; • You unpaid 4You have overdrawn your account repeatedly in the last six (6) months; or • There months 4There is an emergency, such as failure of computer or communications equipment. 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 fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first next business day after the day we receive of deposit. Determining the Availability of a Deposit The length of the delay is counted in business days from the day of your deposit. Electronic direct deposits Every day is a business day except Saturdays, Sundays, and Legal Holidays. Transactions conducted at branches with Saturday hours are considered Monday’s business day. The Credit Union’s business day is from the time the branch opens until the branch closes. Transactions performed after the end of the business day indicated will be considered received as of the next business day. Same‐Day Availability Funds deposited into your account by the following methods will be available on the day we receive the deposit: • Funds from electronic direct deposits. Once they • Wire transfers • Cash • U.S. Treasury checks that are availablepayable to you. • State and local government checks that are payable to you. • Cashier’s, you can withdraw the funds in cashcertified, and we will use the funds to pay teller’s checks that you have written. Please keep in mind, however, that after we make funds available are payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, Traveler’s Checks, and you have withdrawn the fundspostal money orders, you if these items are still responsible for checks you deposit that are returned payable to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysyou. If you do not make a your deposit in a branch before its closing time, on a business day that we are open, we will consider that day person to be the day one of your deposit. Howeverour employees (for example, if you make a deposit mail the deposit), funds from these deposits will be available after 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. 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. 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 receive your deposit. 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 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 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. Our general policy is to make funds from your cash and check deposits deposit of checks available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your depositsdeposits at a branch, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit in a branch before its closing time, on a non-business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the branch of deposit’s closing time, or on a day we are not openday, we will consider that the deposit was made on the next business day we day. ATM deposits have a daily settlement time of 3:30 P.M. ATM deposits made before settlement Monday through Friday are openavailable on the next business day. 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) Deposits made after settlement and deposits on a Saturday, Sunday or federal holiday are available on the second business day that we following the day of deposit. All times are open, we Eastern Time. Same Day Availability Funds from the following deposits will consider that day to be available on the business day of your deposit. However: cash, if you make a deposit at an ATM after 6:30 p.m. or wire transfers, electronic payments, including preauthorized credits such as Social Security benefits and payroll payments, and checks drawn on a day we Salem Five Cents Savings Bank for which there are not open, we will consider that the deposit was made sufficient available funds 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. 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 However, the first $200 ($225 as of July 1, 2020) of your deposits, however, may deposits will be available on the first business dayday after the day of your deposit. 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 employeestellers, 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. 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 $5,000 ($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 communications or 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 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. Our 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 your cash and check certain electronic deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive Bank receives the deposit. Once they 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 availablecollected. During the delay, you can may not withdraw the funds in cash, and we the Bank will not use the funds to pay checks you have written or other debits against the account that you have writteninitiated, such as electronic bill payments. Please keep Determining the Availability of a Deposit The length of the delay is counted in mind, however, that after we make funds available to you, and you have withdrawn business days from the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving day of your deposit. For determining the availability of your deposits, every Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, our established cutoff time on a business day that we are open, we will consider that day to be the day of your depositdeposit is received by the Bank. However, if you make a deposit after the branch of deposit’s closing time, our cutoff 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 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 open to be the day of your deposit. HoweverThe 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 , if 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 6:30 p.m. or the banking day of deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on a 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 not open, we available as follows: Checks: The first $225 from a deposit of checks will consider that the deposit was made be available on the next first business day we are open. Please note that after 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 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 of the funds that you deposit by check available to you on 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 ($225 as of July 1, 2020) of your deposits, however, may be available on no later than the first business dayday after your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally notify you at by mail or e-mail if 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 $5,000 ($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 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 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. Online Banking and Bill Payment Services

Your Ability to Withdraw Funds. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the first second business day after the 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. Cash, wire transfers, and some specified check deposits will also be available before the second business day, as detailed below. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 3:30 P.M. (cutoff 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. However, if you make a deposit after the branch of deposit’s closing 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. 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) 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. However, if you make a deposit at an ATM after 6:30 p.m. 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. Please note that Same-Day Availability Funds from the dollar amounts listed below following deposits are subject to change and shall be adjusted by law on July 1, 2020 and July 1 of each fifth year, thereafter. See available the Bank’s point of deposit disclosures for the dollar amounts in effect at the time of 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. Longer Delays May Apply In some casesSame-Day Availability for Certain Deposits Made in Person Funds from the following deposits are available the same business day we receive your deposit 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, we will 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 all your deposit in person to one of our employees (for example, if you mail 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 from these deposits will be available until on 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 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. Our 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 your cash and check certain electronic deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive Bank receives the deposit. Once they 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 availablecollected. During the delay, you can may not withdraw the funds in cash, and we the Bank will not use the funds to pay checks you have written or other debits against the account that you have writteninitiated, such as electronic bill payments. Please keep Determining the Availability of a Deposit The length of the delay is counted in mind, however, that after we make funds available to you, and you have withdrawn business days from the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving day of your deposit. For determining the availability of your deposits, every Every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, our established cutoff time on a business day that we are open, we will consider that day to be the day of your depositdeposit is received by the Bank. However, if you make a deposit after the branch of deposit’s closing time, our cutoff 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 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 open to be the day of your deposit. HoweverThe 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, if 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 6:30 p.m. or the banking day of deposit. If you make a deposit using our Remote Deposit Services, funds from these deposits will be available on a 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 not open, we available as follows: Checks: The first $225 from a deposit of checks will consider that the deposit was made be available on the next first business day we are open. Please note that after 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 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 of the funds that you deposit by check available to you on 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 ($225 as of July 1, 2020) of your deposits, however, may be available on no later than the first business dayday after your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally notify you at by mail or e-mail if 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 $5,000 ($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 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. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit, subject to any holds that may be placed due to the reasons provided below. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds from your check deposits are available, you can withdraw transact as per the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 depositPermitted Use Of Account section above. 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 its closing 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. However, if you make a deposit after the branch of deposit’s closing time, 5:00 pm 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. Endorsing Checks for Deposits Once our remote deposit capture functionality is operational, you can deposit your checks via the Avant Banking app. If the back of your check has “CHECK HERE IF MOBILE DEPOSIT”, then please check the checkbox and endorse your name. Otherwise endorse the back of your check and write, “For Mobile Deposit to Avant Only”. If you make deposit an item that is made payable to and/or endorsed by a deposit at person who is not an ATM before 6:30 p.m. (cutoff times Account owner, we may be later on some days refuse the item for deposit. We may also require verification of any endorsement through endorsement guarantee or at some locations) personal identification. Any endorsements on a business day that we are open, we will consider that day check or other item you give us for deposit to be your Account must appear only in the day of your deposit. 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 area on the next business day we are openreverse side that is reversed for your use and may not appear within or extend into any area that is reserved for financial institution use. Please note that Otherwise, the dollar amounts listed below are subject to change endorsement may interfere with our processing 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. Longer Delays May Apply In some cases, we will not make all collection of the funds item. We may refuse items 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 depositdo not follow these endorsement requirements, funds or we 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 depositsin our discretion accept any such nonconforming endorsement, however, may be available on the first business day. If we are not going you agree 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 hold 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 $5,000 ($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 harmless for any losses we incur as a result 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 depositsuch acceptance.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 before the closing time for the branch before its closing time, 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 after the branch closing time of deposit’s closing timethe 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. 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. 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. 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 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 send you the notice by the next business 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 $5,000 ($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. Our general policy is to make funds from your cash and in-person check deposits available to you on the same business day we receive your deposit. Funds from checks deposited to a CashPoints ATM are generally made available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 of your deposit. 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 in a branch before its closing time, 5:30 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 open at either an SECU branch or a deposit after 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. 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 openCashPoints ATM, we will consider that day to be the day of your deposit. However, if you make a deposit at an SECU branch or at a CashPoints ATM after 6:30 p.m. 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. Please note that For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the dollar amounts listed below are subject to change and shall be adjusted by law following Monday for a holiday, we will consider the deposit made 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 depositTuesday. 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 same or next business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second seventh business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your in-person deposits, however, may 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. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 employeesan 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We we believe a check you deposit will not be paid; paid • You deposit the check you deposited, or other checks totaling more than $5,000 ($5,525 as of July 1you have previously deposited, 2020) on any one day; • You redeposit a check that has been returned unpaid; unpaid • You make a large deposit (however, up to $5,525 will be available on the same or next business day) • You make a deposit to a new transaction account • you have overdrawn one or more of your account accounts with us repeatedly in the last six (6) months; or months • There there is an emergency, such as a weather emergency, power outage, or failure of computer or communications equipment. 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 With respect to deposits made to Checking accounts, CPG accounts and HSAs, funds from the deposit will generally be available no later than the seventh business day after the day of your deposit.. Special Rules

Your Ability to Withdraw Funds. Our This policy statement applies to all deposit accounts. Except for checks deposited through Mobile Deposit Capture, our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Cash, wire transfers, and some specified check deposits will also be available before the second business day, as detailed below. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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 after 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. 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) 5:30 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 6:30 p.m. 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. Please note that Same-Day Availability Funds from cash deposits, wire transfers and electronic direct deposits to your account will be available on 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 day we receive the Bank’s point of deposit disclosures for the dollar amounts in effect at the time of your deposit. Longer Delays May Apply In some cases, we will not make all of Next-Day Availability Funds from the funds that you deposit by check following deposits are available to you on the first business day after the day of your deposit: U.S. Treasury checks that are payable to you. Depending Checks drawn on Thomaston Savings Bank. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the type of check that you deposit, funds may not be available until the second first business day after the day of your deposit: State and local government checks that are payable to you. The first $200 ($225 as of July 1Cashier’s, 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 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 reasonscertified, and we will tell you when the funds will be availablexxxxxx’s checks that are payable to you. They will generally be available no later than the seventh business day after the day of your depositFederal 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. Our policy is to make funds from your Your cash and check deposits available to you You on the first same business day after the day we We receive your Your deposit. Electronic direct deposits will be available on the day we We receive the deposit. Once they the funds are available, you You can withdraw the funds them in cash, cash and we We will use the funds them to pay checks that you You have written. Please keep in mind, however, 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. For determining the availability of your Your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you You make a deposit in a branch before its closing time, on a business day that we We are open, we We will consider that day to be the day of your Your deposit. However, if you You make a deposit after the branch of deposit’s closing time, or on a day we We are not open, we We will consider that the deposit was made on the next business day we We are 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 depositLONGER DELAYS MAY APPLY. 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. 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 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 Funds You deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you You deposit will not be paid; . • You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) 5,525.00 on any one day; . • You redeposit deposit a check that has been returned unpaid; . • You have overdrawn your account Your Account repeatedly in the last six (6) months; or . • There is an emergency, such as failure of communications or computer or communications equipment. We will notify you You if we We delay your Your ability to withdraw funds for any of these reasons, and we We will tell you You when the funds will be available. They will generally be available no later than by the seventh 2nd business day after the day of your Your deposit. In any case, We reserve the right to refuse an item for deposit or encashment. AUTOMATED TELLER MACHINES (ATM). Transactions made at ATMs that We own will be posted to Your Account the same business day. Funds will not be available to You on the day of Your transaction, however, the first $225.00 of Your ATM deposits during a business day will be immediately available for withdrawal. Your ATM receipt will show this as an increase in Your "available balance" and the "new balance" on the receipt will reflect Your balance prior to that business day's ATM deposits plus the first $225.00 of such deposits. In some cases, funds may not be available to You on the next business day following verification of Your transaction. We will mail You a notice by the next business day after We verify Your deposit notifying You when the funds will be available, if a hold (freeze) has been placed on the deposit or a portion of the deposit. DEPOSITS BY MAIL OR NIGHT DEPOSITORY (DROP BOX). Deposits made by mail or at one of Our drop boxes will be posted to Your Account on the day We receive mail or the next business day for drop box deposits. We will mail You a notice by the next business day after We verify Your deposit notifying You when the funds will be available, if a hold (freeze) has been placed on the deposit or a portion of the deposit. The number of mail and drop box transactions processed daily by the Credit Union prohibits Us from mailing a receipt for Your transactions.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first same business day after the day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the eleventh business day after the day of your deposit under the following circumstances: • 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. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing 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. However, if you make a deposit at one of our branches after the branch of deposit’s closing time5:30 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. If For example, if you make deposit funds at a deposit at an CashPoints ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that Saturday, and we are openclosed the following Monday for a holiday, we will consider that day to be the day of your deposit. 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 depositTuesday. 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 same business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right awayawa y, you should ask us when the funds will be available. In addition, funds you deposit 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; • You paid 4You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You day 4You redeposit a check that has been returned unpaid; • You unpaid 4You have overdrawn your account repeatedly in the last six (6) months; or • There months 4There is an emergency, such as failure of computer or communications equipment. 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 fifth business day after the day of your deposit.

Your Ability to Withdraw Funds. Our general policy is to make funds from your cash and check deposits deposit of checks available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your depositsdeposits at a branch, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit in a branch before its closing time, on a non- business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after the branch of deposit’s closing time, or on a day we are not openday, we will consider that the deposit was made on the next business day we ATM deposits have a daily settlement time of 3:30 P.M. ATM deposits made before settlement Monday through Friday are openavailable on the next business day. 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) Deposits made after settle- ment and deposits on a Saturday, Sunday or federal holiday are available on the second business day that we following the day of deposit. All times are open, we Eastern Time. Same Day Availability Funds from the following deposits will consider that day to be available on the business day of your deposit. However: cash, if you make a 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 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. 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 However, the first $200 ($225 as of July 1, 2020) of your deposits, however, may deposits will be available on the first business day. If day after the day of your deposit.. IIf 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 employeestellers, 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 deposit. deposi 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 $5,000 ($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 communica- tions or 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 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. Holds on Other Funds 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. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, day except Saturdays, Sundays, federal holidays and federal holidaysother days that commercial banks are permitted to close in the state where your branch is located. If you make a deposit in a branch before its closing time, on On a business day that we are open, if you make a deposit before 2:00 p.m. local at an automated teller machine (ATM), or before 7:00 p.m. PST for Remote Deposit Capture, or before 5:00 p.m. PST for Mobile Banking or at a Branch, we will consider that day to be the day of your deposit. However, if you make a deposit after the branch of deposit’s closing time, these hours 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 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. 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. Longer Delays May Apply 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 (2nd) business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may 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 premisesa branch, 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: • o We believe a check you deposit will not be paid; • . o You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • . o You redeposit a check that has been returned unpaid; • . o You have overdrawn your account repeatedly in the last six (6) months; or • . o 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 (7th) business day after the day of your deposit.

Your Ability to Withdraw Funds. This policy statement applies to “transaction” accounts and savings accounts. Transaction accounts, in general, are accounts 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 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 delay the availability of funds from your cash and check deposits available to you on deposits. During the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availabledelay, you can may not withdraw the funds in cash, cash and we will not use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. For determining Determining the availability Availability of a Deposit The length of the delay is counted in business days from the day of your deposits, every deposit. Every day is a business day, day except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, 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 after 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. If you make a The length of the delay varies depending on the type of deposit at an ATM before 6:30 p.m. (cutoff times may and is explained below. Same-Day Availability Funds from electronic direct deposits to your account and cash deposits will be later available 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 we receive the deposit. However, if you make a deposit at an ATM after 6:30 p.m. or on a day we Next-Day Availability Funds from the following deposits 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. 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: • Cash deposits made at one of our ATMs. Depending • 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 type first business day after the day of check 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 may not from these deposits will be available until on the second business day after the day we receive your deposit. Second Day Availability 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 first remaining $200 ($225 as of July 1, 2020) of your deposits, however, may be is available on the first business dayWednesday. If we are not going to make all of the funds from your deposit available cash a check for you that is drawn on the first business dayanother bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will notify you be available at the time funds from the check we cashed would have been available if you make your deposit. We will also tell you when the funds will be availablehad deposited it. If your we accept for 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 $5,000 ($5,525 as of July 1, 2020) on any one day; • You redeposit a check that has been returned unpaid; • You 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 overdrawn your on deposit in another account repeatedly with us. The funds 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 other account would then not be available no later than for withdrawal until the seventh business day after time periods that are described elsewhere in this disclosure for the day type of your depositcheck that you deposited.

Your Ability to Withdraw Funds. Our policy is The availability periods described in this section do not apply to 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 your One Account), or other similar services. One will hold the funds for up to nine business days from the date of deposit. In some instances, funds 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 such other factors as One, in its sole discretion, deems relevant. We endeavor to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will , subject to any holds that may be available on placed due to the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 depositreasons provided below. For determining the availability of your deposits, 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 in a branch before its closing 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. However, if you make a deposit after the branch of deposit’s closing 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. Endorsing Checks for Deposits 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 openmay 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. Substitute Checks 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 make deposit such an item, you give One and Coastal Community Bank the same warranties and indemnities that One and Coastal Community Bank, as a deposit at an ATM before 6:30 p.m. (cutoff times reconverting bank, would give under applicable law or regulation and you agree to reimburse One for claims, losses, costs, and damages One 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. 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. 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 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 depositincur. If you will need the funds from provide One with an electronic representation of a substitute check for deposit right awayinto your Account instead of an original check, you should ask us when agree to reimburse One for all claims, losses, costs, and damages One incurs because the funds will be availablesubstitute check resulting from the electronic representation does not meet applicable substitute check standards or causes duplicate payments. In additionCheck Legends, funds you deposit by check Restrictions, or NotationsOne has no duty to honor and may be delayed for a longer period under the following circumstances: • We believe disregard any information on a check you deposit will not be paid; • You deposit 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 totaling more than $5,000 or other items bearing restrictions or notations ($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 “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 computer or communications equipmentthe check. We The notation will notify have no effect on One, and you if we delay your ability agree to withdraw funds accept responsibility for payment of the item and One is not liable to you for any claims, costs, losses, or damages that result from the placement of these reasonsrestrictions or other notations on checks or other items, 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 depositor from One’s disregarding them.

Your Ability to Withdraw Funds. This policy statement applies to all accounts. Our policy is to make funds from your cash cash, check, and check electronic direct deposits available to you on the first business day after the same day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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. However, if you make a deposit after the branch of deposit’s closing time, 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. 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 depositLONGER DELAYS MAY APPLY Case-by-case delays. 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. 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 same day after the day of 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first business same day. If we are not going to make all of the funds from your deposit available on the first business daysame 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 ($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. at the University of Nebraska Federal Credit Union Our policy is to make funds from your cash and check deposits deposit available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, At that time you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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 remember that even after we have made funds available to you, and you have withdrawn the dollar amounts listed below funds, you are subject still respon- sible for checks you deposit that are returned to change us unpaid 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 any other problems involving your deposit. 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may be available on the first business day. DDEPIOSSIT ACCCOULNT OSURES If we are not going to make all of the funds from your deposit available on the first business dayday 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 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 deposit. If you will need the funds from a the 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 $5,000 ($5,525 as of July 1, 2020) on any one day; . • You redeposit a check that has been returned unpaid; . • You have overdrawn over drawn your account repeatedly in the last six (6) months; or . • There is an emergency, such as failure of communications or 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 “transaction” accounts. Transaction accounts, in general, are accounts which permit an unlimited number of telephone and pre-authorized transfers to other accounts of yours with us. 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 your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw draw the funds in cash, cash and we will use the funds to pay checks that you have writtenwritten or any electronic debits you have authorized. Please keep in mind, however, remember that even after we make 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. 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 in a branch before its closing 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. However, if you make a deposit after the branch of deposit’s closing 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. 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. 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. Longer Delays May Apply 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 fifth business day after the day of your deposit. The However, the first $200 ($225 as of July 1, 2020) of your deposits, however, may checking deposits will be made available on the first business dayday after we receive your deposit. If we are not going to make all of the funds from your deposit available on the first business dayday 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 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. GenFed reserves the right to refuse or return any deposit received 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: • 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 communications or 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 sixth business day after the day of your deposit.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 before the closing time for the branch before its closing time, 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 after the branch closing time of deposit’s closing timethe 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. 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. 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. 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 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 send you the notice by the next business 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 $5,000 ($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. Our general policy is to make funds from your cash and check electronic deposits available the business day after the day we receive them. Funds from deposits of cash, US Treasury Checks payable to you 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. Electronic deposits are considered received when we receive 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 generally be available the second business day after the day of your deposit. Electronic direct deposits will be Funds after the first $225 of other types of checks are generally available on the second business day after the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 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 in a branch before its closing 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. However, if you make a deposit after the branch close of deposit’s closing time, 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. 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. 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. Longer Delays May Apply 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 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 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 will need the funds from a deposit right awayimmediately, you should ask us when the funds will be available. In addition, funds 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 ($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 communications or 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 These funds will generally be available no later than the seventh sixth business day after the day of your deposit.

Your Ability to Withdraw Funds. Our For consumers, our policy is to make funds from your cash and check deposits available to you on the first business day after the day on which we receive your depositdeposit . Electronic direct deposits will be available on the day we receive the depositdeposit . Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have writtenwritten . For business accounts, our policy is to provide availability of funds for your deposits based on the collection of the deposited items from the paying institution . Please keep in mind, however, that after we make funds available to you, and you have withdrawn the funds, you are still responsible call your Business Banker for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysfurther information . If you make a deposit in a branch before its closing time, close of business at the location where received on a business banking day that we are open, we will consider that day to be the day of your depositdeposit . However, if If you make a deposit (including electronic direct deposits) after close of business at the branch of deposit’s closing time, location where received or on a day we are not open, we will consider that the deposit was made on the next business banking day we are 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. 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 open for the dollar amounts in effect at conduct of the time majority of your depositour business . 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 depositdeposit . Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your depositdeposit . The first $200 ($225 as of July 1, 2020) of your deposits, however, may be available on the first business dayday after the day of your deposit . 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 depositdeposit . We will also tell you when the funds will be availableavailable . 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 depositdeposit . If you will need the funds from a deposit right away, you should ask us when we will make the funds will be availableavailable . 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; paid . • You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; day . • You redeposit a check that has been returned unpaid; unpaid . • You have overdrawn your account repeatedly in the last six (6) months; or months . • There is an emergency, such as failure of computer or communications equipmentequipment . 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 availableavailable . They will generally be available no later than the seventh business day after the day of your depositdeposit .

Your Ability to Withdraw Funds. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the second business day after the day we receive your deposit, with the first $200 available on the first business day after the day we receive of your deposit. Electronic direct deposits will be available on the day we receive the deposit. Cash, wire transfers, and some specified check deposits will also be available before the second business day, as detailed below. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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 after 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. 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) 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 6:30 p.m. 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. Please note Same-Day Availability 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 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. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available 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 Other Check Deposits Subject to Second-Day Availability The first $200 from a deposit of other checks will be available on the first business day after the day of your deposit. Depending on the type of check that you deposit, The remaining funds may not will be available until on the second business day after the day of your deposit. The first For example, if you deposit a check of $700 on a Monday, $200 ($225 as of July 1, 2020) of your deposits, however, may be the deposit is available on the first business dayTuesday. The remaining $500 is available on Wednesday. If we are not going to make all of the funds from your deposit available cash a check for you that is drawn on the first business dayanother bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will notify you be available at the time funds from the check we cashed would have been available if you make your deposit. We will also tell you when the funds will be availablehad 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 deposit is not made directly availability to one withdraw a corresponding amount of our employees, or if we decide to take this action after funds that you have left on deposit in another account with us. The funds in the premises, we will mail 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 the notice by the day after we receive your depositdeposited. If you will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds LONGER DELAYS MAY APPLY 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 ($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 disclosure describes your ability to withdraw funds at First Community Credit Union. It only applies to the availability of funds in transaction accounts. The Credit Union reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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 after 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. 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) 6:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if If you make a deposit at an ATM after 6:30 p.m. 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. Please note that the dollar amounts listed below All ATM deposits are subject to change verification and shall 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 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 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 your depositfunds that you have on deposit in another account with us. Longer Delays May Apply 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. LONGER DELAYS MAY APPLY 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 ($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. Safeguard exceptions. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: • We -We believe a check you deposit will not be paid; • You . -You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You . -You redeposit a check that has been returned unpaid; • You . -You have overdrawn your account repeatedly in the last six (6) months; or • There . -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 all accounts. Our policy is to make funds from your cash and check deposits available to you on the second business day after the day we receive your deposit, with the first $225 available on the first business day after the day we receive of your deposit. Electronic direct deposits will be available on the day we receive the deposit. Cash, wire transfers, and some specified check deposits will also be available before the second business day, as detailed below. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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 after 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. 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) 4:30 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 6:30 p.m. 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. Please note that Same-Day Availability Funds from electronic direct deposits to your account will be available on 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 day we receive the Bank’s point of deposit disclosures for the dollar amounts in effect at the time of your deposit. Longer Delays May Apply In some cases, we will not make all of Next-Day Availability Funds from the funds that you deposit by check following deposits are available to you on the first business day after the day of your deposit: U.S. Treasury checks that are payable to you. Depending Wire transfers. Checks drawn on Evergreen Credit Union. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the type of check that you deposit, funds may not be available until the second first business day after the day of your deposit: Cash. The first $200 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 ($225 as of July 1for example, 2020) of your depositsif you mail the deposit), however, may funds from these deposits 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. 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 ($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 second business day after the day of we receive your deposit.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. In some cases, operational constraints may delay availability of these funds until the next business day after we receive your deposit. We will only provide you with a notice if we delay availability of these funds beyond the next business day as discussed below in the section headed "Longer Delays May Apply". Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds them to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. We have deposit cut off times posted in the lobby of each Banking Center. Our earliest cutoff time is 6:00 P.M. If you make a deposit in a branch before its closing time, our cutoff time 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 after the branch of deposit’s closing time, our cutoff 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 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. 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. 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 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 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 ($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 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. Our policy is to make funds from your cash and check deposits available to you on for withdrawal no later than the first business day after the day we receive your deposit. Electronic direct deposits will be available on the settlement date and not necessarily the day we receive the your deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In some cases, 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 fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may 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 first business 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 (a) we believe a check you deposit will not be paid; • You (b) you deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You (c) you redeposit a check that has been returned unpaid; • You (d) you have overdrawn your account repeatedly in the last six (6) months; or • There (e) there is an emergency, ; such as failure of communication or 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 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. Our policy is We endeavor to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will , subject to any holds that may be available on placed due to the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 depositreasons provided below. For determining the availability of your deposits, 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 in a branch before its closing 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. However, if you make a deposit after the branch of deposit’s closing 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 we are openday. Endorsing Checks for Deposits 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 make deposit an item that is made payable to and/or endorsed by 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 openperson who is not you, the Account owner, we will consider that day to be may refuse the day of your deposit. 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 item for the dollar amounts in effect at the time of your deposit. 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 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 may also tell require verification of any endorsement through endorsement guarantee or personal identification. Any endorsements on a check or other item you when give us for deposit to your Account must appear only in the funds will be availablearea 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. If your deposit is Otherwise, the endorsement may interfere with our processing and collection of the item. We may refuse items that do not made directly to one of our employeesfollow these endorsement requirements, 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 awaymay in our discretion accept any such nonconforming endorsement; however, you should ask agree to hold 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 $5,000 ($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 harmless for any losses we incur as a result 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 depositsuch acceptance.

Your Ability to Withdraw Funds. Our general policy is to make funds from your cash and check deposits available to you on no later than the first second business day after the day we receive your deposit. Electronic direct 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 day we receive of the deposit. Our policy is to make funds from electronic direct deposits made through the automated clearinghouse (ACH) and incoming wire transfers available to you on the day of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you Mobile Deposit Funds Availability Mobile Deposit is available 24 hours a day, 7 days a week for purposes of deposits made using the mobile deposit service. With regard to the availability of deposits made using the Mobile Deposit services, our general policy is to make a deposit in a branch before its closing time, on a business day that funds available after we are open, we will consider that day to be receive and accept the day deposit. The first $225 of your deposit. However, if you make a deposit after the branch of deposit’s closing time, or on a day we are not open, we will consider that the deposit was made on be available the next business day we are openafter the day of deposit, and the remainder of the deposit to be available on the second business day. 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 at an ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on case-by-case basis. For determining the availability of your deposits, every day is considered a business day that we are openexcept Saturdays, we will consider that day to be the day of your deposit. HoweverSundays, 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 depositFederal Holidays. Longer Delays May Apply In some cases, we will not make all of the funds that you deposit by check available to you on by the first second 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 dayfor a longer period. If we are not going to make all of the funds from your deposit available on by the first second business dayday after the day of your deposit, we will generally 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, employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next business 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, we may delay the availability of 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 ($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 communications or 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. Our policy is to make delay the availability of funds from your cash and check deposits available deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks and other payment transactions that you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposithave authorized. Once they funds are made available, you can withdraw the funds in cash, cash and we will use the funds to pay checks and other payment transactions that you have writtenauthorized. Deposits received at unstaffed facilities such as night depositories will be credited on the day funds are removed and processed by the Credit Union. Please keep in mind, however, remember that even after we make have made funds available to you, 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. Determining the Availability of a Deposit The length of the delay is counted in business days from 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 in a branch before its closing time, 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 after 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. If you make a The length of the delay varies depending on the type of deposit at an ATM before 6:30 p.m. (cutoff times may and is explained below. Same-Day Availability Funds from electronic direct deposits to your Account will be later available 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 we receive the deposit. However, if you make a deposit at an ATM after 6:30 p.m. or on a day we Next-Day Availability Funds from the following deposits 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. 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: ● U.S. Treasury checks that are payable to you. Depending ● Wire transfers ● Checks drawn on Laredo 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 type of check that you deposit, funds may not be available until the second first business day after the day of your deposit: ● Cash ● State and local government checks that are payable to you. The first $200 ● 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 ($225 as of July 1for example, 2020) of your depositsif you mail the deposit), however, may funds from these deposits 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. 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 ($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 second business day after the day of we receive your deposit.

Your Ability to Withdraw Funds. Our general policy is to make funds from your cash and check deposits available to you on no later than the first business day after the day we receive your deposit. Electronic Our policy is to make funds from electronic direct deposits will be made through the automated clearing house (ACH) and incoming wire transfers available to you on the day we receive of the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and United States federal holidays. If you make a deposit in a branch before its closing 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 of your deposit. The 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 the branch of deposit’s closing 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. 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. 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. 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 that you deposit by check available to you on 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 to you by the second first 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 no later than the first business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on by the first business dayday after the day of your deposit, we will generally 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 next business 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, we may delay the availability of 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 ($5,525 as of July 1, 2020) on any one day; 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; . • You have One or more of your accounts has been overdrawn your account repeatedly in the last six (6) months; or . • There is an emergency, such as failure of communications or computer or communications 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 we will tell you when the funds will be available. They will generally be available no later than the seventh sixth business day after the day of your deposit. In some situations, we may place a hold on funds for up to 30 days. Government Checks, Cashier’s Checks and Other Special Types of Checks 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 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. Our policy is to make funds from your cash and check deposits available to you on for withdrawal no later than the first business day after the day we receive your deposit. Electronic direct deposits will be available on the settlement date and not necessarily the day we receive the your deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. If you make a deposit Deposits at an ATM before 6:30 p.m. Automated Teller Machines Funds from any deposits (cutoff times may cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be later on some days or at some locations) on a available until the fifth business day that we are open, we will consider that day to be after the day of your deposit. However, if you make a deposit This rule does not apply at an ATM after 6:30 p.m. ATMs that we own or on a day operate. All ATMs that we own or operate 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 depositidentified as our machines. Longer Delays May Apply In some cases, 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 fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may 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 first business 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 (a) we believe a check you deposit will not be paid; • You (b) you deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You (c) you redeposit a check that has been returned unpaid; • You (d) you have overdrawn your account repeatedly in the last six (6) months; or • There (e) there is an emergency, ; such as failure of communication or 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 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 all deposit accounts. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing 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. However, if you make a deposit after the branch of deposit’s closing 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. If we cash a check for you make a deposit at an ATM before 6:30 p.m. (cutoff times may be later that is drawn on some days or at some locations) on a business day that we are openanother bank, we may withhold the availability of corresponding amount of funds that are already in your account. Those funds will consider that day to be the day of your deposit. 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 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 your depositfunds that you have on deposit in another account with us. Longer Delays May Apply 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. LONGER DELAYS MAY APPLY Case­by­case 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 ($225 as of July 1, 2020) of your deposits, however, may 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 $5,000 ($5,525 as of July 1, 2020) 5000 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. Our policy is to make delay the availability of funds from your cash and check deposits available to you on deposits. During the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availabledelay, you can may not withdraw the funds in cash, cash and we will not use the funds to pay checks that you have written. The length of the delay is counted in business days from 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 closing on a business day that we are open, we will consider that day to be the day of deposit. However, if you make a deposit after 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. The length of the delay varies depending on the type of deposit and is explained below. Please keep in mind, however, remember that even after we make 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Same-Day Availability Cash and federal holidays. If you make a deposit in a branch before its closing time, on a business day that we are open, we electronic direct deposits will consider that day to be the day of your deposit. However, if you make a deposit after 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. 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. 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. 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 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. Next-Day Availability Funds from the following deposits are available on the first business day after the day of your deposit. Depending : • 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 type first business day after the day of check 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 may not from these deposits will be available until on 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 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. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. For determining the availability of your 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 in a branch before its closing time, our cutoff hour 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 after the branch of deposit’s closing time, our cutoff 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. 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 do not accept deposits through ATMs 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 6:30 p.m. or on a day we are do 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 depositown. Longer Delays May Apply 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may 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. 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; • paid You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • day You redeposit a check that has been returned unpaid; • unpaid You have overdrawn your account repeatedly in the last six (6) months; or • months There is an emergency, such as failure of computer or communications equipment. 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. 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 is available for withdrawal in cash on the first business day after the day of deposit. In addition, a total of $450 of other funds becoming available on a given day is available for withdrawal in cash 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. Our general policy is to make funds from your cash and in-person check deposits available to you on the same business day we receive your deposit. Funds from checks deposited to a CashPoints ATM are generally made available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 of your deposit. 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 in a branch before its closing time, on a business day that we are open, we will consider that day to be the day open at one of your deposit. However, if you make our branches or at a deposit after 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. If you make a deposit at an CashPoints 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 open5:30 p.m., we will consider that day to be the day of your deposit. However, if you make a deposit at an one of our branches or at a CashPoints ATM after 6:30 p.m. 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. Please note that For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are closed the dollar amounts listed below are subject to change and shall be adjusted by law following Monday for a holiday, we will consider the deposit made 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 depositTuesday. 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 same or next business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second seventh business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your in-person deposits, however, may 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. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We we believe a check you deposit will not be paid; paid • You deposit the check you deposited, or other checks totaling more than $5,000 ($5,525 as of July 1you have previously deposited, 2020) on any one day; • You redeposit a check that has been returned unpaid; unpaid • You you make a large deposit (however, up to $5,525 will be available on the same or next business day) • you make a deposit to a new transaction account • you have overdrawn one or more of your account accounts with us repeatedly in the last six (6) months; or months • There there is an emergency, such as a weather emergency, power outage, or failure of computer or communications equipment. 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 With respect to deposits made to checking accounts, CPG accounts, and HSAs, funds from the deposit will generally be available no later than the seventh 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 (if the deposit takes place in person at our branch), or we will mail you notice as soon as practicable. Electronic Direct Deposits Special Rules

Your Ability to Withdraw Funds. Our policy is to make funds from your cash cash, check, and check electronic direct deposits available to you on the first business day after the day we receive your depositimmediately. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit on a business day that we are open, we will consider that day to be the day of your deposit. If you make a deposit after 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. Schedule of Cut-off Times: 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 keep in mind, however, remember that even after we make 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. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysLONGER DELAYS MAY APPLY Case-by-Case delays. If you make a deposit in a branch before its closing time, 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 after 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. 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. 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. 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 depositimmediately. 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 $200 200.00 ($225 as of 225.00 effective July 1, 2020) of your deposits, however, may will be available on the first business dayimmediately. If we are not going to make all of the funds from your deposit available on the first business dayimmediately, 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 5,000.00 ($5,525 as of 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 (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. Our policy is to make funds from your cash and check deposits available to you on the first same business day after the day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 7th business day after the day of your deposit under the following circumstances: • 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. Our policy is to make funds from your cash and check deposits available to you on the first same business day after the day that we receive your deposit, unless they involve an International ACH Transaction. See below for more information on International ACH Transactions. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first business daysame day of the deposit. If we are not going to make all of the funds from your deposit 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 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 10th business day after the day of your deposit under the following circumstances: • 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) 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 the availability of funds in transaction accounts. DATCU reserves the right to delay the availability of funds deposited to accounts that are not transaction accounts for periods longer than those disclosed in this policy. GENERAL POLICY Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are availableAt that time, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, 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 6:00 p.m. on a business day that we are open, we will consider that to be the day of your deposit. However, if a deposit is made after 6:00 p.m. on a business day or on a day we are not open, the deposit will be considered made on the next business day we are open. NEXT DAY AVAILABILITY Please keep in mind, however, remember that even after we make 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. For determining IMMEDIATE CREDIT MAY BE GIVEN ON THE FOLLOWING: •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 availability check must be payable to you and deposited into a transaction account of your depositsyours. Suspect Cashier’s Checks, every day is a business dayXxxxxx’s Checks, except SaturdaysCertified Checks, Sundays, Traveler’s Checks and federal holidays. If you make a deposit in a branch before its closing time, 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 after 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. If you make a deposit at an ATM before 6:30 p.m. (cutoff times U.S. Postal Money Orders may be later on some days subject to holds. Other types of Money Orders are considered “Payable Through” the issuer and do not fall under immediate or at some locations) on a business next-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 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 openavailability. Please note that refer to 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. Longer Delays May Apply section below for the availability rules governing these deposits. 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 same 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 However, the first $200 ($225 as of July 1, 2020) of your deposits, however, may deposit will be available on the first 1st business dayday after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first business daydate 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 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 $5,000 ($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. Our policy is to make funds from your cash and check deposits available to you on the first business day Business Day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive received the deposit. Once they the funds are available, you can withdraw the funds them in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make have made funds available to you, you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us as unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business dayBusiness Day, except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing 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. However, if you make a deposit after 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. 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. However, if you make a deposit at an ATM after 6:30 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. Please note If we accept for deposit a check that is drawn on another bank, we may make funds from the dollar amounts listed below 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 time periods that 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 described elsewhere in this disclosure for the dollar amounts in effect at the time type of your depositcheck that you deposited. Longer Delays May Apply 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 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 Business Day after the day of your deposit. The first $200 ($225 as of July 1, 2020) 225.00 of your deposits, however, may will be available on the first business dayBusiness Day. If we are not going to make all of the funds from your deposit available on the first business dayBusiness 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 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 ($5,525 as of July 1, 2020) 5,525.00 on any one (1) business day; • . ▪ You redeposit a the check that has been returned unpaid; • . ▪ You have overdrawn your account 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 Business Day after the day date of your deposit.

Your Ability to Withdraw Funds. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 5:00 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 after the branch of deposit’s closing time, 5:00 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 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 depositLONGER DELAYS MAY APPLY Case-by-case delays. 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. 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 fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) 100 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. 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 ($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 third business day after the day of your deposit.

Your Ability to Withdraw Funds. Our general policy is to make funds from 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 first business day after the day we receive of your deposit. Electronic direct deposits will be available on the effective date or the day we receive the deposit, whichever is later. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 in a branch before its closing 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. However, if you make a deposit at one of our branches or at a CashPoints ATM after the branch of deposit’s closing time5:30 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. If For example, if you make deposit funds at a deposit at an CashPoints ATM before 6:30 p.m. (cutoff times may be later on some days or at some locations) on a business day that Saturday, and we are openclosed the following Monday for a holiday, we will consider that day to be the day of your deposit. 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 depositTuesday. 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 same business day after the day of your a deposit. Depending on the type of check that you deposit, funds may not be available until the second fifth business day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your deposits, however, may will be available on the first same business dayday we receive your deposit. If Generally, if we are not going to make all of the funds from your deposit available on the same business day of your deposit (or the first business dayday 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 will need the funds from a deposit right away, you should ask us when the funds will be available. In addition, funds you deposit deposited by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid; • paid You deposit checks totaling more than $5,000 ($5,525 as of July 1, 2020) on any one day; • You redeposit have redeposited a check that has been returned unpaid; • unpaid You have overdrawn your account repeatedly in the last six (6) months; or • months There is an emergency, such as failure of computer or communications equipment. 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 fifth business day after the day of your deposit.. Special Rules

Your Ability to Withdraw Funds. (Funds Availability Policy) Funds “availability” means your ability to withdraw funds from your Account, whether those withdrawals are made in cash, by check, automatic payment, or any other method we offer you for access to your Account. If deposited funds are not available to you on a given day, you may not withdraw funds in cash and we may not use the funds to pay items that you have written or honor other withdrawals you request. If we pay items that you have written or honor other withdrawals before funds are available to you, this may result in an overdraft and we may charge a fee for this. Please see the Business Fee Schedule for overdraft fees. Your Ability to Withdraw Funds Our policy is to make available certain funds from deposited in your cash and check deposits available to you Account on the first business day Business Day after the day we receive your deposit. Electronic direct deposits will be In some cases, we may delay your ability to withdraw funds beyond the first Business Day. Determining the Availability of a Deposit The day funds become available on and the length of the delay is determined by counting Business Days from the day we receive the deposit. Once they are available, you can withdraw the funds in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, 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 of your deposit. For determining the availability of your deposits, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. If you make a deposit in a branch before its closing time, person on a business day that Business Day we are open, we will consider that day to be the day of your depositdeposit for purposes of calculating when your funds will become available. However, if If you make a deposit after the branch of deposit’s closing timeon a day that is not a Business Day, 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. 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. 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. Longer Delays May Apply In some cases, we will not make all The length of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending delay varies 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 and 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 $5,000 ($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 equipmentexplained below. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell disclose to you when the funds will be available. They This disclosure will generally be available given at the time of deposit. If a hold is placed after the transaction has occurred or on a mail/night drop check deposit, written notice will be mailed no later than the seventh business day after next Business Day. Same Day Availability Funds from electronic direct deposits to your Account will be available on the day of they are received into your depositAccount.

Your Ability to Withdraw Funds. Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit, unless they involve an International ACH Transaction. See below for more information on International ACH Transactions. Once they are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, 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. 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 its closing time, 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 after 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. 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. 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. Longer Delays May Apply In However, in some cases, we will not make all the availability of funds may be delayed under the funds that you deposit by check available to you on the first business day after the day of your depositfollowing circumstances. Case-by-Case Holds: 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 will be available on the first business dayday after the date of deposit. 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. Exception Holds: In addition, funds you deposit by check may be delayed for a longer period up to the 7th business day after the day of your deposit under the following circumstances: • 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 statement applies to “transaction” accounts. Transaction accounts, in general, are accounts 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. 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 your cash and check deposits available to you on the first next business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they the funds are available, you can withdraw the funds them in cash, and we will use the funds to pay checks that you have written. Please keep in mind, however, remember that even after we make 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. 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 its closing time, 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 after the branch of deposit’s closing time, or on a day 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 6:30 p.m. (cutoff times may be later on some days or at some locations) 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 6:30 p.m. 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. Please note If we cash a check for you that is drawn on another bank, we may withhold the dollar amounts listed below availability of a corresponding amount of funds that are subject to change and shall already in your account. Those funds will 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 available at the time of your deposit. 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 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 the check we cashed would have been available on the first business day, we will notify if 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 $5,000 ($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 deposithad deposited it.

Your Ability to Withdraw Funds. These provisions apply only to demand deposit checking Accounts where deposits are made via Mobile Deposits. You agree that electronic images submitted via Mobile Deposits from your mobile device are not subject to the funds availability requirements of the Federal Reserve Board’s Regulation CC. Our policy is to generally make funds from your cash and check deposits Mobile Deposits available to you on the first business day Business Day after the day we receive your deposit. Electronic direct Funds that are deposited using Mobile Deposits will not be deemed “received” by us until we have received an electronic image that meets all of the requirements for deposits will be available on the day we receive the deposit(including all requirements to create a Substitute Check) stated in this Agreement and in any Documentation. Once they the funds are available, you can withdraw the funds in cash, cash and we will use the funds to pay checks that you have written. Please keep in mind, however, that after we make funds available to you, items 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 transactions drawn on your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidaysAccount. If you make a deposit in a branch before its closing time, via Mobile Deposits by the cut-off time of 5:00 p.m. CST on a business day that we are openis not a Business Day, we will consider that day to be the day of your deposit. However, if you make a such deposit after 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 Business Day we are 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. 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. Longer Delays May Apply Apply. In some cases, we will not make all of the funds that you deposit by check via Mobile Deposits available to you on the first business day 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 Business Day after the day of your deposit. The first $200 ($225 as of July 1, 2020) of your depositsMobile Deposits, however, may will be available on the first business dayBusiness Day. If we are not going to make all of the funds from your deposit available on the first business dayBusiness Day, we will generally notify you at the time you make your deposit. We will also attempt to 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 awayvia Mobile Deposits, you should ask contact us to inquire when the funds will be available. In addition, funds you deposit by check via Mobile Deposits may be delayed for a longer period under the following circumstancesfor a variety of additional reasons as determined in Bank’s sole discretion, including, but not limited to: • We believe a check you deposit will not be paid; paid • We believe a check you deposit is a duplicate image • You deposit checks totaling more than $5,000 ($5,525 as of July 1any applicable per item limit, 2020) daily dollar amount limit, monthly item limit or any other limitations on any one day; your Services that Bank may impose • You redeposit a check that has been returned unpaid; unpaid • You have overdrawn your account Account repeatedly in the last six (6) months; or months • There is an emergency, such as failure of computer or communications equipment. equipment • We will notify you if we delay your ability exercise our rights to withdraw funds for investigate 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.unusual or suspicious Mobile Deposit items as determined in Bank’s sole discretion