Common use of Day Availability Clause in Contracts

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 same business day of your deposit; • Cash; • U.S. Treasury checks that are payable to you; • Wire transfers; • Checks drawn on HVCU; • State and local government checks that are payable to 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 US Postal Money Orders, that are payable to 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 clear indication on the face that the check is for payroll purposes. (See Special Rules for New Members). If you do not make your deposit in person to one of 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 check of $700 on a Monday, $225 of the deposit is available on Monday. The remaining $475 is available on Wednesday. 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 $5,525 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 a failure of computer or communications equipment. You are notified if we delay your ability to withdraw funds for any of these reasons, and we tell you when the funds are available, which may be up to 30 days after the normal 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 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 same business day of your deposit; • Cash; • U.S. Treasury checks that are payable to you; • Wire transfers; • Checks drawn on HVCUHVFCU; • State and local government checks that are payable to 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 US U.S. Postal Money Orders, that if these items are payable to you; • Lesser of $225 200 or aggregate amount from any HVCU HVFCU or non-HVCU HVFCU ATM cash and/or check deposit; • Lesser of $225 200 or aggregate amount deposited by personal or business items; and • Payroll checks that have a clear indication on the face that the check is for payroll purposes. purposes (See Special Rules for New Members). If you do not make your deposit in person to one of our employees (for example, if you mail the deposit or use an HVCU HVFCU ATM), funds from these deposits are available on the day we receive your deposit. When the items above are presented, the first $225 200 is available immediately and the remainder will not be available until the second business dayday after the day of deposit. For example if you deposit a check of $700 on a Monday, $225 200 of the deposit is available on Monday. The remaining $475 500 is available on Wednesday. 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 $5,525 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 a failure of computer or communications equipment. You are notified if we delay your ability to withdraw funds for any of these reasons, and we tell you when the funds are available, which may be up to 30 days after the normal 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 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 same business day of your deposit; • Cash; Cash;‌ • U.S. Treasury checks that are payable to you; you;‌ • Wire transfers; transfers;‌ • Checks drawn on HVCU; HVFCU;‌ • State and local government checks that are payable to you; you;‌ • Cashier’s, certified, teller’s and Traveler’s Checks that are payable to you; you;‌ • Federal Reserve Bank checks, Federal Home Loan Bank checks, and US Postal Money Orders, that are payable to you; you;‌ • Lesser of $225 200 or aggregate amount from any HVCU HVFCU or non-HVCU HVFCU ATM cash and/or check deposit; deposit;‌ • Lesser of $225 200 or aggregate amount deposited by personal or business items; and and‌ • Payroll checks that have a clear indication on the face that the check is for payroll purposes. (See Special Rules for New Members). purposes.‌ If you do not make your deposit in person to one of our employees (for example, if you mail the deposit or use an HVCU HVFCU ATM), funds from these deposits are available on the day we receive your deposit. When the items above are presented, the first $225 200 is available immediately and the remainder will not be available until the second business day. For example if you deposit a check of $700 on a Monday, $225 200 of the deposit is available on Monday. The remaining $475 500 is available on Wednesday. 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; paid;‌ • You deposit checks totaling more than $5,525 5,000 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 months; months;‌ • There is an emergency, such as a failure of computer or communications equipment. equipment.‌ You are notified if we delay your ability to withdraw funds for any of these reasons, and we tell you when the funds are available, which may be up to 30 days after the normal 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 electronic direct deposits to your account are available on the day we receive the deposit. Also, funds from the following deposits are will be available on the same business day of your deposit; • Cash; • U.S. Treasury : cash deposits made in-person, wire transfers, electronic payments, including pre-authorized credits such as Social Security benefits and payroll payments, and checks that are payable to you; • Wire transfers; • Checks drawn on HVCU; • State and local government checks that the Bank for which there are payable to you; • Cashier’ssufficient available funds on deposit. LONGER DELAYS MAY APPLY In some cases, certified, teller’s and Traveler’s Checks that are payable to you; • Federal Reserve Bank checks, Federal Home Loan Bank checks, and US Postal Money Orders, that are payable to 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 clear indication on the face that the check is for payroll purposes. (See Special Rules for New Members). If you do we will not make your all the funds that you deposit in person to one of our employees (for example, if you mail the deposit or use an HVCU ATM), funds from these deposits are by check available on the first business day we receive xxxx the day of your deposit. When Depending on the items above are presentedtype of check that you deposit, the first $225 is available immediately and the remainder will funds may not be available until the second business day. For example if you deposit a check day xxxx the day of $700 on a Mondayyour deposit; however, the first $225 of your deposits may be available on the first business day xxxx the day of your deposit. If we are not going to make all the funds from your deposit available on the first business day xxxx the day of your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is available on Mondaynot made directly to one of our employees, or if we decide to take this action xxxx you have lek the premises, we will mail you the notice by the day xxxx we receive your deposit. The remaining $475 is available on WednesdayIf you need funds from a deposit by check right away, you should ask us when the funds will be available. Longer Delays May Apply. Funds In addition, funds you deposit by check may be delayed for a longer period under the following circumstances; : • We believe a check you deposit will not be paid; . • You deposit checks totaling more than $5,525 on any one day; . • You redeposit a check that has been returned unpaid; . • You have overdrawn your account repeatedly in the last six months; . • There is an emergency, such as a failure of communications or computer or communications equipment. You are notified We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when funds will be available. Funds will generally be available no later than the fourth business day xxxx 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 are available, which may from deposits of foreign checks will be up delayed for the time it takes us to 30 days after the normal availability unless otherwise stated. If you need collect the funds from a deposit right away, you should ask when the funds financial institutions upon which they are availabledrawn.

Day Availability. Funds from electronic direct deposits and wire transfers to your account are will be available on the day we receive the deposit. Also, funds The first $5,525 from the following deposits are is available on the same business day of your we receive the deposit; • Cash; • : » U.S. Treasury checks that are payable to you; • Wire transfers; • Checks drawn you If you make the deposit in person to one of our employees, funds from the following deposits will be available on HVCU; • 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 checks that are payable to you; • , » Cashier’s, certified, teller’s and Traveler’s Checks teller checks that are payable to you; • , » Federal Reserve Bank checks, Federal Home Loan Bank checks, and US Postal Money Orderspostal money orders, that if these items are payable to you; • Lesser you Second-Day Availability The first $250 of $225 or aggregate amount from any HVCU or non-HVCU ATM cash and/or check deposit; • Lesser of $225 or aggregate amount other checks which are deposited by personal or business items; and • Payroll checks that have a clear indication on the face that the check is for payroll purposeswill be made available immediately. (See Special Rules for New Members). If you do not make your deposit in person to one of our employees (for example, if you mail the deposit or use an HVCU ATM), The remaining funds from these deposits are will be made available on the second business day we receive after 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 check of $700 on a Monday, $225 of the deposit is available on Monday. The remaining $475 is available on Wednesday. Longer Delays May Apply. Apply Funds you deposit by check may be delayed for a longer period under the following special circumstances; • : » We believe a check you deposit will not be paid; • paid » You deposit checks totaling more than $5,525 on any one day; • day » The deposit is made to a non-transactional account, ie savings, certificate » You redeposit a check that has been returned unpaid; • unpaid » You have overdrawn your account repeatedly in the last six months; • months » There is an emergency, such as a failure of communications or computer or communications equipment. You are notified » 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 are will be available, which . They will generally be available no later than the seventh business day after the day of your deposit. This period of time may be up to 30 days after extended repeatedly for any of the normal availability unless otherwise stated. If you need the funds from a deposit right away, you should ask when the funds are availableabove reasons.