Common use of Determining the Availability of a Deposit Clause in Contracts

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business day, that day will be the day of your deposit. If you make your deposit after 3 p.m. or on a day that is not a business day, the next business day will be the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.am – 6:30 pm), that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m.4:00 pm, that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m.4:00 pm, the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. 3:00 pm on a business day, that day will be the day of your deposit. If you make your deposit after 3 p.m. 3:00 pm or on a day that is not a business day, the next business day will be the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. 7:00 pm on a business day, that day will be the day ofyour of your deposit. If you make your deposit after 7 p.m. 7:00 pm on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific TimeFederal Holidays. If you make a deposit directly prior to a teller the branch closing on a business day while that we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If However, if you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared after the branch location before 3 p.m. closes, on a Saturday or on a day we are not open, we will consider that the deposit was made on the next business day, that day we are open. The length of the delay varies depending on the type of deposit and is explained below. SAME DAY AVAILABILITY Funds from electronic direct deposits to your account will be available on the day we receive the deposit. A total of $100 aggregate deposit per business day will be avilable on the day we receive the deposit. NEXT-DAY AVAILABILITY Funds from the follwing deposits are available on the first business day after the day of your deposit: • U.S. Treasury checks that are payable to you • wire transfers • checks drawn on Olive View Federal Credit Union If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • cash • 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 US postal money orders, if these items are payable to you If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day of your deposit. If LONGER DELAYS MAY APPLY Funds you make your deposit after 3 p.m. or on a day that is not a business day, the next business day will be the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will check may be delayed for a longer period under the time it takes us to collect following circumstances: • We believe a check you deposited will not be paid. • You deposit checks totaling more than $5,000 on any one day. • A redeposit check that has been returned unpaid. • You have had a prior check deposit returned for any reason. • You have deposited an empty envelope at an ATM in the funds from last six months. • You have overdrawn your account repeatedly in the paying financial institution and may take anywhere from several weeks to several months before last six months. • There is an emergency, such deposits will be made available to youas failure of computer or communications equipment.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your my deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, day except Saturdays, Sundays, Sundays and federal holidays. All times provided below are Pacific Time. If you I make a deposit directly to a teller before 5:00 p.m. on a business day while we that you are open for business (generally 6:30 a.m.-6:30 p.m.)open, you will consider that day is to be the day of your my deposit. If However, if I make a deposit after 5:00 p.m. on a business day that you place your are open; or, on a day you are not open, you will consider that the deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., was made on the next business day you are open. THE LENGTH OF THE DELAY VARIES DEPENDING ON THE TYPE OF DEPOSIT AND IS EXPLAINED BELOW. SAME-DAY AVAILABILITY: Funds from electronic direct deposits to my account will be available on the day you receive the deposit. NEXT-DAY AVAILABILITY: Funds from the following deposits are available on the first business day after the day of your my deposit. : • U.S. Treasury checks that are payable to me • Wire transfers • Checks drawn on UMe Federal Credit Union If you I make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or in person to a teller at a shared branch location before 3 p.m. one of your employees, funds from the following deposits also are available on a the first business day, that day will be after the day of my deposit: • Cash • State and local government checks that are payable to me • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to me If I do not make my deposit in person to one of your employees (for example, if I mail the deposit. If you make your deposit after 3 p.m. or ), funds from these deposits will be available on a day that is not a business day, the next second business day will be after the day of your my deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller before closing on a business day while that we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will 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. The length of the delay varies depending on the type of deposit and is explained below. If you make a deposit at a BECU-owned an ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. 8:00 P.M. on a business dayday that we are open, we will consider that day will to be the day of your deposit. If However, if you make your a deposit at an ATM after 3 p.m. 8:00 P.M. or on a day we are not open, we will consider that is not a business day, the deposit was made on the next business day we are open. Same-Day Availability Funds from cash deposits made in person to one of our employees and electronic direct deposits to your account will be available on the day we receive the deposit, as well as: U.S. Treasury checks that are payable to you. Wire transfers. Checks drawn on Xxxxx Federal Savings Bank. State and local government checks that are payable to you. Cashier’s, certified, and xxxxxx’s checks that are payable to you. Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. Other Check Deposits Our policy is to make funds from other checks available as follows. The first $2,000 from a deposit of other checks will be available on the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through The remaining funds will be available on the United States Postal Service (USPS), second business day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited checkFor example, cashier’s checkif you deposit a check of $3,000 on a Monday, draft, or money order $2,000 of the deposit i s av ai labl e on Monday. The rem ai ni ng $1,000 i s availabl e on Wednesday. If we cash a check for you that is drawn on another bank, we may withhold the availability of a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability 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 Foreign Items will it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check that you deposited. LONGER DELAYS MAY APPLY Funds you deposit by check may be delayed for a longer period under the time it takes us following circumstances: We believe a check you deposit will not be paid. 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. A Large Deposit Exception may be exercised when checks deposited in a single day exceed $5,000.00. The first $5,000.00 is subject to collect the permanent schedule detailed above, with the first $2,000.00 being available the same day of deposit, the next $3,000.00 being available the second day after the day of deposit and the remainder amount over $5,000.00 would be available on the seventh day. 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 from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available. They will generally be available to youno later than the seventh business day after the day of your deposit.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 PM. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 PM ET at an HSBC ATM on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Same Day Availability Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name • Real-Time Payments the Bank receives for credit to your HSBC Bank USA, N.A. account through the RTP System, which are typically available in real time. Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic Direct Deposits. • Wire Transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12am (Midnight) ET, the deposit will be considered received the next Calendar Day. NEXT DAY AVAILABILITY Funds from the following deposits are available to you on the first Business Day after the day of your deposit: • U.S. Treasury checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. • Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on the first Business Day after the day of your deposit: • State and local government checks payable to you. • Cashier's, certified, and xxxxxx's checks payable to you. • If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Other Check Deposits Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $200 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Longer Delays May Apply Funds you make deposit by check may be delayed for a longer period under the following circumstances: • The Bank believes a check you deposit at will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a drop boxcheck that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 PM. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. via mRDC on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 PM ET at an HSBC ATM or via mRDC on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Same Day Availability Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name • Real-Time Payments the Bank receives for credit to your HSBC Bank USA, N.A. account through the RTP System, which are typically available in real time. Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic Direct Deposits. • Wire Transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12am (Midnight) ET, the deposit will be considered received the next Calendar Day. NEXT DAY AVAILABILITY Funds from the following deposits are available to you on the first Business Day after the day of your deposit: • U.S. Treasury checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. • Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on 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. • If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Other Check Deposits Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $225 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Longer Delays May Apply Funds you make deposit by check may be delayed for a longer period under the following circumstances: • The Bank believes a check you deposit at will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a drop boxcheck that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. You may make deposits to your account at anytime at any branch or bymail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business inbusiness days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every day is Every dayis a business day, day except Saturdays, Sundays, and federal Federal holidays. All times provided below are Pacific Time. If you make a your deposit directly to a teller before 2:00 p.m. on a business day while daythat we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will dayto be the day of your deposit. If However, if you make a your deposit at a BECU-owned ATM (displaying our “BECU” logo) after 2:00 p.m., or to a teller at a shared branch location before 3 p.m. on a day we are not open, we will consider that the deposit was made on the next business day, that day we are open. The lengthof delayvaries depending onthe type of deposit and is explained below. Same-Day Availability: Funds fromelectronic direct deposits to your account will be available on the day we receive the deposit. Next-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. • Wire transfers. • Checks drawn on IDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a the first business day, the next business day will be dayafter the day of your deposit: • Cash • State and local government checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. (Please note that next dayavailability for these items only applies if the IDB Bank office or branch is located in the same State that issuedthe xxxxxxx the same State as the unit of local government that issued the check). • Cashier's, certified, and xxxxxx's checks that are payable to you if you use a specialdeposit slip available from an Account Officer on our banking platform. • 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 a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in personto one of our processing center. If tellers (e.g., if you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or mail your deposit. Any deposited check), cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such these types of deposits will be made available to youon the secondbusiness day after the day we receive your deposit.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 PM. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 PM ET at an HSBC ATM on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Same Day Availability Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name. • Real Time Payments (RTP). Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic direct deposits. • Wire transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12 AM (Midnight) ET, the deposit will be considered received the next Calendar Day. NEXT DAY AVAILABILITY Funds from the following deposits are available to you on the first Business Day after the day of your deposit: • U.S. Treasury checks payable to you. • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you. • Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on the first Business Day after the day of your deposit: • State and local government checks payable to you. • Cashier's, certified, and xxxxxx's checks payable to you. • If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Other Check Deposits Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $200 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Longer Delays May Apply Funds you make deposit by check may be delayed for a longer period under the following circumstances: • The Bank believes a check you deposit at will not be paid. • You deposit checks totaling more than $5,000 on any one day. • You redeposit a drop boxcheck that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length day of the delay availability is counted in business days Business Days from the day of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, Business Day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to at a teller branch on a business day while we are open for business (generally 6:30 a.m.-6:30 p.m.)Business Day the Bank is open, the Bank will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If you make a deposit before 10 p.m. ET at a BECU-owned any HSBC ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. on a business dayBusiness Day that the Bank is open, the Bank will consider that day will to be the day of your deposit. However, if you make a deposit after 10 p.m. ET at an HSBC ATM on a Business Day that the Bank is open or you make a deposit on the day the Bank is not open, the Bank will consider that deposit to be made on the next Business Day the Bank is open. The day of availability varies depending on the type of deposit and is explained below. Same Day Availability Funds from the following deposits will be available to you on the same Calendar Day* the Bank receives the deposit: • Cash (deposited in person with one of our tellers or at an ATM). • Funds transfers between HSBC Bank USA, N.A. accounts in the same name. Funds from the following deposits are available to you on the same Business Day the Bank receives the deposit: • Electronic direct deposits. • Wire transfers. * Every day is a Calendar Day. If the Bank receives the deposit after 12 a.m. (Midnight) ET, the deposit will be considered received the next Calendar Day. NEXT DAY AVAILABILITY Funds from the following deposits are available to you on the first Business Day after the day of your deposit:  U.S. Treasury checks payable to you.  Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you.  Checks drawn on HSBC Bank USA, N.A. If you make a deposit in person to one of our employees using a special deposit slip available on request at any branch, funds from the following deposits are available on the first Business Day after the day of your deposit:  State and local government checks payable to you.  Cashier's, certified, and xxxxxx's checks payable to you.  If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second Business Day after 3 p.m. or on a the day that is not a business daythe Bank receives your deposit. Other Check Deposits Check deposits other than those identified in this disclosure are considered "Other Check Deposits." At least, the next business day first $200 of your "Other Check Deposits" will be available on the first Business Day after the day of your deposit. If The remaining balance of your "Other Check Deposits" will be available in accordance with the special funds availability schedule set forth below, based on account type and account location. Longer Delays May Apply Funds you make deposit by check may be delayed for a longer period under the following circumstances:  The Bank believes a check you deposit at will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a drop boxcheck that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as a non-BECU-owned ATMfailure of communications or computer equipment. The Bank will notify you if the Bank delays your ability to withdraw funds for any of these reasons, or and the Bank will tell you when the funds will be available. They will be available generally by mailing it to us through the United States Postal Service (USPS), sixth Business Day after the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. The length of delay varies depending on the type and manner of our deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policythis Section of this Agreement, every day is a business day, day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller before the close of business on a business day while that we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If However, if you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) after the close of business or to a teller at a shared branch location before 3 p.m. on a day we are not open, we will consider that the deposit was made on the next business day, that day we are open. The length of the delay varies depending on the type of deposit and is explained below. If you are unsure about when a particular deposit will be available for withdrawal, please ask us. Same-Day Availability Funds from electronic direct deposits to your account will be available on the day we receive the deposit. In general, $225 of a deposit is available for withdrawal in cash on the first (1st) business day after the day of deposit. Next-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 • Wire transfers • Checks drawn on American First Credit Union If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first business day after the day of your deposit: • Cash • State and local government checks that are payable to you • Corporate, certified, and xxxxxx’s checks that are payable to you • Federal Reserve Bank checks, Federal Home Loan Bank checks, and postal money orders, if these items are payable to you If you do not make your deposit in person to one of our employees (for example, if you mail the deposit), funds from these deposits will be available on the second business day after the day we receive your deposit. 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. If Depending on the type of check that you make your deposit after 3 p.m. or on a day that is deposit, funds may not a business day, be available until the next second business day will be after the day of your deposit. The first $225 of your deposits, however, will be available on the first business day. If you we are not going to make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day all of the deposit will be the business day we process funds from your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. available on a the first business day, that 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 ofyour after we receive your deposit. If you make your will need the funds from a deposit after 7 p.m. on a business dayright away, or on a day that is not a business day, you should ask us when the next business day funds will be the day of or your depositavailable. Any deposited checkSafeguard exceptions. In addition, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will you deposit by check may be delayed for a longer period under the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.following circumstances:

Determining the Availability of a Deposit. You may make deposits to your account at any time at any branch or by mail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Federal holidays. If you make your 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. However, if you make your deposit after 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. The length of delay varies depending on the type of deposit and manner of is explained below. Same-Day Availability: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. For determining Next-Day Availability: Funds from the availability of funds deposited to your Accounts, for purposes of following deposits are available on the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a first business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is after the day of your deposit: • U.S. Treasury checks that are payable to you. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit• Wire transfers. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. • Checks drawn on a business day, that day will be the day of your depositIDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a business day, the next first business day will be after the day of your deposit: • Cash • State and local government checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. (Please note that next day availability for these items only applies if the IDB Bank office or branch is located in the same State that issued the check or the same State as the unit of local government that issued the check). • Cashier's, certified, and xxxxxx's checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. • 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 a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in person to one of our processing center. If tellers (e.g., if you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or mail your deposit. Any deposited check), cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such these types of deposits will be made available to youon the second business day after the day we receive your deposit.

Determining the Availability of a Deposit. You may make deposits to your account at any time at any branch or by mail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Federal holidays. If you make your 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. However, if you make your deposit after 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. The length of delay varies depending on the type of deposit and manner of is explained below. Same-Day Availability: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. For determining Next-Day Availability: Funds from the availability of funds deposited to your Accounts, for purposes of following deposits are available on the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a first business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is after the day of your deposit: • U.S. Treasury checks that are payable to you. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit• Wire transfers. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. • Checks drawn on a business day, that day will be the day of your depositIDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a business day, the next first business day will be after the day of your deposit: • Cash • State and local government checks that are payable to you, provided you receive an approval from an Account Officer on our banking platform. (Please note that next day availability for these items only applies if the IDB Bank officeor branch is located in the same State that issued the check or the same State as the unit of local government that issuedthe check). • Cashier's, certified, and xxxxxx's checks that are payable to you, provided you receive an approval from an AccountOfficer on our banking platform. • 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 a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in person to one of our processing center. If tellers (e.g., if you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or mail your deposit. Any deposited check), cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such these types of deposits will be made available to youon the second business day after the day we receive your deposit.

Determining the Availability of a Deposit. The length of the delay is counted in business days from the day date of your deposit. The length of delay varies depending on the type and manner of deposit. For determining the availability of funds deposited to your Accounts, for purposes of the Funds Availability Policy, every Every day is a business day, day except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller before closing on a business day while that we are open for business (generally 6:30 a.m.-6:30 p.m.)open, we will consider that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will to be the day of your deposit. If However, if you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) after closing or to a teller at a shared branch location before 3 p.m. on a day we are not open, we will consider that deposit made on the next business dayday we are open. The length of the delay varies depending on the type of deposit as explained below. Same - Day Availability Funds from the following deposits are available on the day we receive the deposit: • Funds from electronic direct deposit • U.S. Treasury checks that are payable to you • Checks drawn on Taunton Federal Credit Union • Share drafts of members of Taunton Federal Credit Union • Cash • State and local government checks payable to you • Federal Reserve Bank checks; Federal Home Loan Bank checks; and U.S. Postal Money Orders if these items are payable to you. • Payroll checks • Wire Transfer deposits Next Day Availability Funds from the following deposits are available on the first business day following the day of deposit: • Cashiers, that day certified and tellers checks payable to you • $200 from other check deposits Other Check Deposits Funds from other check deposits will be available on the second business day after the day of your deposit. If For example, if you make your deposit after 3 p.m. or a check of $700 on a day Monday, $200 is available on Tuesday and the remaining $500 is available on Wednesday. If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your account. These funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check deposited. Longer Delays May Apply Funds you deposit by check may be delayed for a business longer period under the following circumstances: • We believe a check you deposit may 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 6 months. • There is an emergency such as a failure of computer or communications equipment. We will notify you if we delay availability to withdraw funds for any of these reasons, and we will tell you when the next funds will be available. Funds will generally be available no later than the seventh business day will be after the day of your deposit. If you make a deposit at a drop box, a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPS), the day of the deposit will be the business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items will be delayed for the time it takes us to collect the funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available to you.

Determining the Availability of a Deposit. You may make deposits to your account at any time at any branch or by mail. Deposit by mail forms may be obtained from your branch. The Bank may refuse, limit, or return any deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and Federal holidays. If you make your 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. However, if you make your deposit after 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. The length of delay varies depending on the type of deposit and manner of is explained below. Same-Day Availability: Funds from electronic direct deposits to your account will be available on the day we receive the deposit. For determining Next-Day Availability: Funds from the availability of funds deposited to your Accounts, for purposes of following deposits are available on the Funds Availability Policy, every day is a business day, except Saturdays, Sundays, and federal holidays. All times provided below are Pacific Time. If you make a deposit directly to a teller on a first business day while we are open for business (generally 6:30 a.m.-6:30 p.m.), that day is after the day of your deposit: • U.S. Treasury checks that are payable to you. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center before 4 p.m., that day is the day of your deposit• Wire transfers. If you place your deposit in a Lobby Express Box in Tukwila Financial Center or Xxxxxxx Financial Center after 4 p.m., the next business day will be the day of your deposit. If you make a deposit at a BECU-owned ATM (displaying our “BECU” logo) or to a teller at a shared branch location before 3 p.m. • Checks drawn on a business day, that day will be the day of your depositIDB Bank. If you make your deposit after 3 p.m. or in person to one of our tellers, funds from the following types of deposits are also available on a day that is not a business day, the next first business day will be after the day of your deposit: • Cash • State and local government checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. (Please note that next day availability for these items only applies if the IDB Bank office or branch is located in the same State that issued the check or the same State as the unit of local government that issued the check). • Cashier's, certified, and xxxxxx's checks that are payable to you if you use a special deposit slip available from an Account Officer on our banking platform. • 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 a your deposit at a drop boxin person to one of our tellers (e.g., a non-BECU-owned ATM, or by mailing it to us through the United States Postal Service (USPSif you mail your deposit), funds from these types of deposits will be available on the second business day after the day we receive your deposit. All Other Check Deposits: The first $200 of the aggregate deposit by check or checks (excluding those discussed above) will be available on the first business day after the day of your deposit for withdrawal in cash or to pay checks you have written to others. On the deposit will be the second business day we process your deposit in our processing center. If you make an Online Deposit or Mobile Deposit before 7 p.m. on a business day, that day will be the day ofyour deposit. If you make your deposit after 7 p.m. on a business day, or on a day that is not a business day, the next business day will be the day of or your deposit. Any deposited check, cashier’s check, draft, or money order that is drawn on a bank outside of the U.S or is issued in any currency other than U.S. dollars (Foreign Item) is exempt from this Funds Availability Policy. Availability of funds from deposited Foreign Items an additional $400 will be delayed available for cash withdrawal and/or electronic payment(s) (e.g., wires) and the time it takes us to collect the remaining funds from the paying financial institution and may take anywhere from several weeks to several months before such deposits will be made available only for payment of checks you have written to you.others. On the third business day after the day of your deposit, all funds will be available for withdrawal (e.g., cash, electronic payments, payment of checks). EXCEPTIONS