Common use of Your Ability to Withdraw Funds Clause in Contracts

Your Ability to Withdraw Funds. Our policy is to make funds from your 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 the funds are available, you can withdraw them and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.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 before 2:00 P.M. 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 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are open. If we are not going to make all of the funds from your deposit available on the 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:

Your Ability to Withdraw Funds. Our policy is to make funds from your 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 the funds are available, you can withdraw them in cash and we will use the funds them to pay checks that you have written. Please remember that even after we have made funds available to youHowever, and you have withdrawn the fundsin some cases, you are responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.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 before 2:00 P.M. on a business day that we are open, we will consider that day to funds may be delayed under the day of your deposit. If you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are openfollowing circumstances. 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 • We believe a check you deposit by will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check may that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be delayed for a longer period under the following circumstances:available.

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 the funds they are available, you can withdraw them the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to youHowever, and you have withdrawn the fundsin some cases, you are 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 before 2:00 P.M. on a business day that we are open, we will consider that day to funds may be delayed under the day of your deposit. If you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are openfollowing circumstances. 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 • We believe a check you deposit by will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check may that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be delayed for a longer period under the following circumstances:available.

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 the funds they are available, you can withdraw them the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after We reserve the right to delay availability of electronic deposits for the maximum time allowed by law and the rules of payment systems in which we have made funds available to youparticipate. However, and you have withdrawn the fundsin some cases, you are 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 before 2:00 P.M. on a business day that we are open, we will consider that day to funds may be delayed under the day of your deposit. If you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are openfollowing circumstances. 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 • We believe a check you deposit by will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check may that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be delayed for a longer period under the following circumstances:available.

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 the funds are available, you can withdraw them in cash and we will use the funds them to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are 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 before 2:00 P.M. our cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. If However, if you make a deposit after 2:00 P.M. 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 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 $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your Account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. 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 the funds are available, you You can withdraw them in cash and we We will use the funds them to pay checks that you You have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are responsible for checks you deposit that are returned to us unpaid and for any other problems involving your depositLONGER DELAYS MAY APPLY. 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 2:00 P.M. 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 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are open. If we are not going to make all of the funds from your deposit available on the 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:: 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

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 the funds are available, you can withdraw them in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. 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 2:00 4:00 P.M. EDT on a business day that we are open, we will consider that day to be the day of your deposit. If However, if you make a deposit after 2:00 4:00 P.M. EDT or on a day we are not open, we will consider that the deposit was made on the next business day we are open. If we are not going to make all of the funds from your deposit available on the 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 on any one day. You redeposit a check that has been returned unpaid. You have overdrawn your account repeatedly in the last six months. There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. 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 the funds they are available, you can withdraw them the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to youHowever, and you have withdrawn the fundsin some cases, you are 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 before 2:00 P.M. on a business day that we are open, we will consider that day to funds may be delayed under the day of your deposit. If you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are openfollowing circumstances. 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. In addition, funds • We believe a check you deposit by will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check may that has been returned unpaid. • You have overdrawn your account repeatedly in the last 6 months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be delayed for a longer period under the following circumstances:available.

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 the funds are available, you can withdraw them in cash and we will use the funds them to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are 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 before 2:00 P.M. our cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. If However, if you make a deposit after 2:00 P.M. 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 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 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. 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 the funds are available, you can withdraw them in cash and we will use the funds them to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are 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 before 2:00 P.M. our cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. If However, if you make a deposit after 2:00 P.M. 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 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 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your Account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. 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 ACHˆTransaction. See below for more information on International ACH Transactions. Once the funds they are available, you can withdraw them the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to youHowever, and you have withdrawn the fundsin some cases, you are 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 before 2:00 P.M. on a business day that we are open, we will consider that day to funds may be delayed under the day of your deposit. If you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are openfollowing circumstances. 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•# We reasonably believe a check will not be paid •# Checks total more than $5,525 on any one day •# The check has been returned unpaid •# An account is overdrawn •# An account has been overdrawn repeatedly in the last six (6) months •# There is an emergency such as communications failure with computer equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds you deposit by check may will be delayed for a longer period under the following circumstances:available.

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 the funds are available, you can withdraw them and we will use the funds to pay checks that you have writtenin cash. Please remember that even after we 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 before 2:00 P.M. 6:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. If However, if you make a deposit after 2:00 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 Business Day we are open. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in the account to which the deposit is made. The funds in the account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. If we are not going to make all of the funds from your deposit available on the first business 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. In addition, funds • We believe a check can you deposit will not be paid. • You deposit checks totaling more than $5000 on any one day. • You redeposit the check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. Also, if your statement shows transfers that you did not make, including those made by check card, code, or other means, tell us at once. If you do not tell us within 60 days after the FIRST statement on which the unauthorized transfer appeared was delivered to you, you may be delayed 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 longer period under the following circumstances:reasonable period.

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 the funds are available, you can withdraw them in cash and we will use the funds them to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are 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 before 2:00 P.M. our cutoff time on a business day that we are open, we will consider that day to be the day of your deposit. If However, if you make a deposit after 2:00 P.M. 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 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 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Your Ability to Withdraw Funds. 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 ACHˆTransaction. See below for more information on International ACH Transactions. Once the funds they are available, you can withdraw them the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to youLonger Delays May Apply However, and you have withdrawn the fundsin some cases, you are 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 before 2:00 P.M. on a business day that we are open, we will consider that day to funds may be delayed under the day of your deposit. If you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are openfollowing circumstances. 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• We reasonably believe a check will not be paid • Checks total more than $5,000 on any one day • The check has been returned unpaid • An account is overdrawn • An account has been overdrawn repeatedly in the last six (6) months • There is an emergency such as communications failure with computer equipment We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds you deposit by check may will be delayed for a longer period under the following circumstances:available.

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 the funds they are available, you can withdraw them the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are 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 before 2:00 P.M. 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. If However, if you make a deposit at one of our branches or at a CashPoints ATM after 2:00 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. If For example, if you deposit funds at a CashPoints ATM on a Saturday, and we are not going to make all of closed the funds from your deposit available on the first business dayfollowing Monday for a holiday, we will notify you at consider 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:on Tuesday.

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 the funds they are available, you can withdraw them the funds in cash and we will use the funds to pay checks that you have written. Please remember that even after we have made funds available to youHowever, and you have withdrawn the fundsin some cases, you are 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 before 2:00 P.M. on a business day that we are open, we will consider that day to funds may be delayed under the day of your deposit. If you make a deposit after 2:00 P.M. or on a day we are not open, we will consider that deposit was made on the next business day we are openfollowing circumstances. 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 • We believe a check you deposit by will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check may that has been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be delayed for a longer period under the following circumstances:available.