Common use of Day Availability Clause in Contracts

Day Availability. Funds from the following deposits are available on the first business day after the day of your deposit: • U.S. Treasury checks that are payable to you • Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees: • State and local government check that are payable to you • Cashier, 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, if these items are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a local check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: o You deposit checks totaling more than $5,525 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 months. o We believe a check you deposit will not be paid. o There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Day Availability. Funds from electronic direct deposits to your account are available on the day we receive the deposit. Also, funds from the following deposits are available on the first same business day after the day of your deposit: ; • Cash; • U.S. Treasury checks that are payable to you you; • Wire transfers; • Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees: HVCU; • State and local government check that are payable to you • Cashier, certified, and teller's checks that are payable to you you; • Cashier’s, certified, teller’s and Traveler’s Checks that are payable to you; • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. US Postal Service money ordersMoney Orders, if these items that are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The first you; • Lesser of $225 or aggregate amount from any HVCU or non-HVCU ATM cash and/or check deposit; • Lesser of $225 or aggregate amount deposited by personal or business items; and • Payroll checks that have a deposit of checks will be available clear indication on the first business day after face that the day check is for payroll purposes. (See Special Rules for New Members). If you do not make your deposit in person to one of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For our employees (for example, if you mail the deposit or use an HVCU ATM), funds from these deposits are available on the day we receive your deposit. When the items above are presented, the first $225 is available immediately and the remainder will not be available until the second business day. For example if you deposit a local check of $700 on a Monday, $225 of the deposit is available on TuesdayMonday. The remaining $475 is available on Wednesday. • We may delay your ability to withdraw funds deposited by believe a check into your account an additional number of days for these reasons: o you deposit will not be paid; • You deposit checks totaling more than $5,525 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 months. o We believe a check you deposit will not be paid. o ; • There is an emergency, such as a failure of computer or communications or computer equipment. We will notify you You are notified if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will are available, which may be available. They will generally be available no later than the seventh business day up to 30 days after the day of your depositnormal availability unless otherwise stated. If you need the funds from a deposit right away, you should ask when the funds are available.

Day Availability. Funds from the following deposits are available on the first business day after the day of your deposit: •  U.S. Treasury checks that are payable to you •  Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees: •  State and local government check that are payable to you •  Cashier, 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, if these items are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a local check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: o You deposit checks totaling more than $5,525 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 months. months o We believe a check you deposit will not be paid. o There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Day Availability. Funds from electronic direct deposits and wire transfers to your account will be available on the day we receive the deposit. The first $5,525 from the following deposits are is available on the first business day after we receive the day of your deposit: • » U.S. Treasury checks that are payable to you • Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees, funds from the following deposits will be available on the day we receive the deposit: • » Cash If you make the deposit in person to one of our employees, the first $5,525 from the following deposits will be available on the day we receive the deposit: » State and local government check that are payable to you • Cashier, certified, and teller's checks that are payable to you • you, » Cashier’s, certified, and teller checks that are payable to you, » Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service postal money orders, if these items are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The first $225 from a deposit 250 of other checks which are deposited will be made available on the first business day after the day of your depositimmediately. The remaining funds will be made available on the second business day after the day of your deposit. For example, if Funds may be delayed for a longer period under the following special circumstances: » We believe a check you deposit a local check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: o will not be paid » You deposit checks totaling more than $5,525 on any one day. o day » The deposit is made to a non-transactional account, ie savings, certificate » You redeposit a check that has been returned unpaid. o unpaid » You have overdrawn your account repeatedly in the last six months. o We believe a check you deposit will not be paid. o months » There is an emergency, such as failure of communications or computer equipment. » Your account has not been kept in a satisfactory status. » 48 hour notice may apply if you request a withdrawal of more than $5,525 on any one day. We will notify you if we delay your ability to withdraw funds for any of these those 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. This period of time may be extended repeatedly for any of the above reasons.

Day Availability. Funds from electronic direct deposits to your account are available on the day we receive the deposit. Also, funds from the following deposits are available on the first same business day after the day of your deposit: ; • Cash;‌ • U.S. Treasury checks that are payable to you you;‌ • Wire transfers;‌ • Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees: HVFCU;‌ • State and local government check that are payable to you • Cashier, certified, and teller's checks that are payable to you you;‌ • Cashier’s, certified, teller’s and Traveler’s Checks that are payable to you;‌ • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. US Postal Service money ordersMoney Orders, if these items that are payable to you The Bank policy is to make you;‌ • Lesser of $200 or aggregate amount from any HVFCU or non-HVFCU ATM cash and/or check deposit;‌ • Lesser of $200 or aggregate amount deposited funds available based upon local check availability as follows: The first $225 from by personal or business items; and‌ • Payroll checks that have a deposit of checks will be available clear indication on the first business day after face that the day check is for payroll purposes.‌ If you do not make your deposit in person to one of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For our employees (for example, if you mail the deposit or use an HVFCU ATM), funds from these deposits are available on the day we receive your deposit. When the items above are presented, the first $200 is available immediately and the remainder will not be available until the second business day. For example if you deposit a local check of $700 on a Monday, $225 200 of the deposit is available on TuesdayMonday. The remaining $475 500 is available on Wednesday. We may delay your ability to withdraw funds deposited Longer Delays May Apply. Funds you deposit by check into your account an additional number of days may be delayed for these reasons: o 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 5,000 on any one day. o day;‌ • You redeposit a check that has been returned unpaid. o unpaid;‌ • You have overdrawn your account repeatedly in the last six months. o We believe a check you deposit will not be paid. o months;‌ • There is an emergency, such as a failure of computer or communications or computer equipment. We will notify you equipment.‌ You are notified if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will are available, which may be available. They will generally be available no later than the seventh business day up to 30 days after the day of your depositnormal availability unless otherwise stated. If you need the funds from a deposit right away, you should ask when the funds are available.

Day Availability. Funds from the following deposits are available on the first business day after the day of your deposit: •  U.S. Treasury checks that are payable to you •  Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees: •  State and local government check that are payable to you •  Cashier, 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, if these items are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The first $225 200 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a local check of $700 on Monday, $225 200 of the deposit is available on Tuesday. The remaining $475 500 is available on Wednesday. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: o You deposit checks totaling more than $5,525 5,000 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 months. months o We believe a check you deposit will not be paid. o There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.

Day Availability. Funds from electronic direct deposits and wire transfers to your account will be available on the day we receive the deposit. The first $6,725 from the following deposits are is available on the first business day after we receive the day of your deposit: • U.S. Treasury checks that are payable to you • Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees, funds from the following deposits will be available on the day we receive the deposit: • Cash If you make the deposit in person to one of our employees, the first $6,725 from the following deposits will be available on the day we receive the deposit: • State and local government check that are payable to you • Cashier, certified, and teller's checks that are payable to you you, • Cashier’s and teller checks that are payable to you, • Federal Reserve Bank checks, Federal Home Loan Bank checks, and U.S. Postal Service postal money orders, if these items are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The first $225 from a deposit 275 of other checks which are deposited will be made available on the first business day after the day of your depositimmediately. The remaining funds will be made available on the second business day after the day of your deposit. For example, if Funds may be delayed for a longer period under the following special circumstances: • We believe a check you deposit a local check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: o will not be paid • You deposit checks totaling more than $5,525 6,725 on any one day. o day • The deposit is made to a non-transactional account, i.e., savings, certificate • You redeposit a check that has been returned unpaid. o unpaid • You have overdrawn your account repeatedly in the last six months. o We believe a check you deposit will not be paid. o months • There is an emergency, such as a failure of communications or computer equipment. • Your account has not been kept in a satisfactory status. • 48-hour notice may apply if you request a withdrawal of more than $6,725 on any one day. We will notify you if we delay your ability to withdraw funds for any of these those 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. This period of time may be extended repeatedly for any of the above reasons.

Day Availability. Funds from the following deposits will be available on the business day of your deposit: cash deposits made in-person, wire transfers, electronic payments, including pre-authorized credits such as Social Security benefits and payroll payments, and checks drawn on the Bank for which there are sufficient available funds on deposit. In some cases, we will not make all the funds that you deposit by check available on the first business day after ▇▇▇▇ the day of your deposit: • U.S. Treasury checks that are payable to you • Checks drawn . Depending on FIRST COUNTY BANK If you make the deposit in person to one type of our employees: • State and local government check that are payable to you • Cashierdeposit, certifiedfunds may not be available until the second business day ▇▇▇▇ the day of your deposit; however, 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, if these items are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The the first $225 from a deposit of checks will your deposits may be available on the first business day after ▇▇▇▇ the day of your deposit. The remaining If we are not going to make all the funds will be from your deposit available on the second first business day after ▇▇▇▇ the day of your deposit, we will notify you at the time you make your deposit. For exampleWe 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 ▇▇▇▇ you have lek the premises, we will mail you the notice by the day ▇▇▇▇ we receive your deposit. If you need funds from a deposit by check right away, you should ask us when the funds will be available. In addition, funds you deposit a local check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. We may delay your ability to withdraw funds deposited by check into your account an additional number of days may be delayed for these reasonsa longer period under the following circumstances: o • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 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 months. o We believe a check you deposit will not be paid. o • There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They Funds will generally be available no later than the seventh fourth 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 for further investigation; this additional required handling may delay setlement until the investigation is completed. Checks drawn on financial institutions outside of the U.S. (foreign checks) cannot be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies outlined in this disclosure. Generally, the availability of funds from deposits of foreign checks will be delayed for the time it takes us to collect the funds from the financial institutions upon which they are drawn.

Day Availability. Funds from the following deposits are available on the first business day after the day of your deposit: • U.S. Treasury checks that are payable to you • Checks drawn on FIRST COUNTY BANK If you make the deposit in person to one of our employees: • State and local government check that are payable to you • Cashier, 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, if these items are payable to you The Bank policy is to make deposited funds available based upon local check availability as follows: The first $225 from a deposit of checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a local check of $700 on Monday, $225 of the deposit is available on Tuesday. The remaining $475 is available on Wednesday. We may delay your ability to withdraw funds deposited by check into your account an additional number of days for these reasons: o You deposit checks totaling more than $5,525 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 months. months o We believe a check you deposit will not be paid. o There is an emergency, such as failure of communications or computer equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit.