Common use of FUNDS AVAILABILITY POLICY Clause in Contracts

FUNDS AVAILABILITY POLICY. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. This policy statement applies to all accounts. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the same day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are availableAt that time, you can withdraw the funds in cash cash, and we will use the funds to pay checks that you have written. Funds from Please remember even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of other problems involving your deposit. For determining the availability of your deposits, every day is a business day, day except Saturdays, Sundays, Sundays and federal Federal holidays. If you make a deposit before 6:00 p.m. Pacific Standard Time closing on a business day that we are open, we will consider that day to be the day of your deposit. However; however, if you make a deposit after 6:00 p.m. Pacific Standard Time, closing or on a day we are not open, open we will consider that the deposit was made on the next business day we are open. In some casesIf we cash a check for you drawn on another financial institution, we may withhold the availability of a corresponding amount of funds already in your account. Those funds will not 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 drawn on another financial institution, we may make all funds from the deposit available for withdrawal immediately but delay your availability to withdraw a corresponding amount of the funds that you have on deposit by check in another account with us. The funds in the other account would not be available to you on for withdrawal until the first (1st) business day after the day of your deposit. Depending on time periods described elsewhere in this disclosure for the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) business day after the day of your depositdeposited. If we are not going to make all of the funds from your deposit available on the first (1st) business same day after the day of we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, employees or if we decide to take this action after you have left the premises, we will mail you the notice or electronically deliver no later than the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive received your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1.  We believe a check you deposit will not be paid. 2.  You deposit checks totaling more than $5,000 on any one day. 3.  You redeposit a check that has been returned unpaid. 4.  You have overdrawn your account repeatedly in the last six (6) months. 5.  There is an emergency, such as failure of computer or 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  ▇▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇ – Alpena, MI 49707  1013 US ▇▇ ▇ – ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇  ▇▇▇▇ ▇ ▇▇▇▇▇▇▇▇ ▇▇ – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  ▇▇▇ ▇ ▇▇▇▇▇▇ ▇▇ – ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇  ▇▇▇ ▇ ▇▇▇▇▇ ▇▇ – ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇  11610 US 23 S – Ossineke, MI 49766  118 ▇ ▇‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the seventh (7th) business day after the day State of your depositMichigan.

FUNDS AVAILABILITY POLICY. Our Your policy is to make funds from your my cash and check deposits available to you me on the first (1st) business day after the day we you receive your my deposit. Electronic direct deposits will be available on the day we you receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we you do not own or operate will not be available until the fifth (5th) business day after the day of your my deposit. This rule does not apply at ATMs that we you own or operate (proprietary ATMs)operate. All ATMs that we you own or operate are identified as our machines. Funds from any deposits (Once they are available, I can withdraw the funds in cash or checks) made at proprietary ATMs may not be available until and you will use the second (2nd) business day after the day of your depositfunds to pay checks that I have written. For determining the availability of your my deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you I make a deposit before 6:00 2:00 p.m. Pacific Standard Time on a business day that we you are open, we you will consider that day to be the day of your my deposit. However, if you I make a deposit after 6:00 p.m. Pacific Standard Time2:00 p.m., or on a day we you are not open, we you will consider that the deposit was made on the next business day we you are open. In some cases, we will not make all of the funds that If you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your my deposit available on the first (1st) business day after the day of your deposit, we you will notify you me at the time you I make your my deposit. We You will also tell you me when the funds will be available. If your my deposit is not made directly to one of our your employees, or if we you decide to take this action after you I have left the premises, we you will mail you me the notice or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we you receive your my deposit. If you I will need the funds from a deposit immediatelyright away, you I should ask us you when the funds will be available. In addition, funds you I deposit by check may be delayed for a longer period under the following circumstances: 1. We You believe a check you I deposit will not be paid. 2. You I deposit checks totaling more than $5,000 5,000.00 on any one day. 3. You I redeposit a check that has been returned unpaid. 4. You I have overdrawn your my account repeatedly in the last six (6) months. 5. There is an emergency, such as failure of communications or computer equipment. We You will notify me if you if we delay your my ability to withdraw funds for any of these reasons, and we you will tell you me when the funds will be available. They will generally be available no later than the seventh eighth (7th8th) business day after the day of your my deposit.

FUNDS AVAILABILITY POLICY. Our ‌ 1. General Funds Availability Policy‌ For savings accounts, we reserve the right to place reasonable holds on deposited funds to the extent permitted by law. For checking accounts, our general policy is to make funds from your cash and check deposits available to you on the first (1st) same business day after the day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited the funds are available, you can withdraw the funds them in cash and and/or we will use the funds them to pay checks that you have been written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and excepting federal holidays, is defined as Monday through Friday. If you make a deposit before 6:00 p.m. Pacific Standard Time 5:30 pm on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time, 5:30 pm or on a day that we are not open, we will consider that the deposit was made on the next business day we are open. 2. Reservation of Right to Hold‌ In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) same business day after the day of that we receive your deposit. Depending on the type of check that you depositdeposit (e.g., large checks without available funds or third party checks), funds may not be available until the fifth (5th) second business day after the day of your deposit. However, the first $225 of your deposits deposit will be available on the first (1st) business day after the day of your depositday. If we are not going to make all of the funds from your deposit available on the first (1st) business day after the day of your depositday, 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. General Policy At Helm, we take the trust you have placed in us as your banker very seriously. Therefore, we attempt to provide you with the earliest funds availability consistent with our need for sound banking practices. It is also designed to protect Helm from unjustified risk of loss through dishonored and returned checks. Our policy is to make be in accordance with Regulation CC or other applicable Federal regulation on the availability of funds from on your cash and cash, check deposits available to you on and Electronic payments. During the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are availabledelay, you can may not withdraw the funds in cash and we will not use the funds to pay checks that you have writtenwritten except as provided herein. Funds But, ▇▇▇▇ may choose to give early availability funds (same day availability) on some transactions. Remember that even after we have made funds available to you, you are still responsible for any returned items charged to your Account. • Determining the Availability of a Deposit The length of the delay is counted in Banking Days from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every Every day is a business day, banking day except Saturdays, Sundays, holidays, and federal holidaysany other day financial institutions in Miami, Florida, U.S. are not open for business. If you make a deposit before 6:00 4:00 p.m. Pacific Standard Time on a business day Banking Day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 4:00 p.m. Pacific Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day Banking Day we are open. In some cases, we will not make all The length of the funds that you delay varies depending on the type of deposit by check and is explained below. • Same Banking Day Availability Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. • ▇▇▇▇, when presented in person to you one of our Associates. • Wire transfers, including pre authorized credits, such as social security benefits and payroll checks. Funds from the following deposits are available for withdrawal on the first (1st) business Banking Day after the day of your deposit (for example, if you deposit any of these items on Monday before 4:00 pm E.T., funds will be available on Tuesday). • U.S. Treasury checks that are payable to you. • State and local government checks that are payable to you. • Cashier’s, certified, and ▇▇▇▇▇▇’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. • The first $225.00 or the total amount of the deposit if it is less than $225.00. • Second Banking Day Availability • If you do not make your deposit in person to one of our Associates (for example, you mail the deposit) funds will be available on the second (2nd) Banking Day after the day of your deposit (for example, if you mail a cashier’s check that we receive Monday evening, those funds will be available on Wednesday). • The remaining funds from the first $225.00 from a deposit of other checks will be available on the second (2nd) Banking Day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check Other checks may be delayed for a subject to longer period under the following circumstances: 1. We believe a check you deposit will not be paidhold periods as specified below). 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. Our Your policy is to make funds from your my cash and check deposits available to you me on the first (1st) business day after the day we you receive your my deposit. Electronic direct deposits will be available on the day we you receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we you do not own or operate will not be available until the fifth (5th) business day after the day of your my deposit. This rule does not apply at ATMs that we you own or operate (proprietary ATMs)operate. All ATMs that we you own or operate are identified as our machines. Funds from any deposits (Once they are available, I can withdraw the funds in cash or checks) made at proprietary ATMs may not be available until and you will use the second (2nd) business day after the day of your depositfunds to pay checks that I have written. For determining the availability of your my deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you I make a deposit before 6:00 3:00 p.m. Pacific Standard Time PST on a business day that we you are open, we you will consider that day to be the day of your my deposit. However, if you I make a deposit after 6:00 p.m. Pacific Standard Time3:00 p.m., or on a day we you are not open, we you will consider that the deposit was made on the next business day we you are open. In some cases, we will not make all $600 of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds my deposits may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) business day after the day of your deposit. If we you are not going to make all of the funds from your my deposit available on the first (1st) business day after the day of your deposit, we you will notify you me at the time you I make your my deposit. We You will also tell you me when the funds will be available. If your my deposit is not made directly to one of our your employees, or if we you decide to take this action after you I have left the premises, we you will mail you me the notice or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we you receive your my deposit. If you I will need the funds from a deposit immediatelyright away, you I should ask us you when the funds will be available. In addition, funds you I deposit by check may be delayed for a longer period under the following circumstances: 1. We You believe a check you I deposit will not be paid. 2. You I deposit checks totaling more than $5,000 5,525 on any one day. 3. You I redeposit a check that has been returned unpaid. 4. You I have overdrawn your my account repeatedly in the last six (6) months. 5. There is an emergency, such as failure of communications or computer equipment. We You will notify me if you if we delay your my ability to withdraw funds for any of these reasons, and we you will tell you me when the funds will be available. They will generally be available no later than the seventh eleventh (7th11th) business day after the day of your my deposit.

FUNDS AVAILABILITY POLICY. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate may not be available until the seventh (7) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate. All ATMs that we own or operate are identified as our machines. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 4:00 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time5:00 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. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth seventh (5th7) business day after the day of your deposit. However, the first $225 200 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, format by the business day after we receive your deposit. If you will need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid.paid.‌ 2. You deposit checks totaling more than $5,000 10,000 on any one day.day.‌ 3. You redeposit a check that has been returned unpaid.unpaid.‌ 4. You have overdrawn your account repeatedly in the last six (6) months.months.‌ 5. There is an emergency, such as failure of communications or computer equipment. equipment.‌ We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. Our policy is to make funds from your cash and check deposits available to you on the first frst (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth ffth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified identifed as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. Pacific Pacifc Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Pacifc Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the first frst (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth ffth (5th) business day after the day of your deposit. However, the first frst $225 200 of your deposits will be available on the first frst (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first frst (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth seventh (5th7th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. 12:00 am (midnight) Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. 12:00 am (midnight) Pacific Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth seventh (5th7th) business day after the day of your deposit. However, the first $225 200 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your depositdeposit as long as the deposit is made before the established daily cut-off time. If you will need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits, wire transfers and cash deposits made in person will be available on the day we receive the your deposit. Once deposited the funds are available, you can withdraw the funds them in cash and we will use the funds to pay checks that you have writtenwritten and other debits that you have authorized. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining To determine the availability of your deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before 6:00 p.m. Pacific Standard Time on a On business day days that we are open, if you make a deposit with a Bank teller we “will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day. For deposits made at Brookline Bank ATMs the cutoff time is 2:00P.M. All Brookline Bank ATMs are clearly defined as such. If you mail funds to us, the funds are considered deposited on the business day we receive them. Funds deposited in a night depository or lockbox are considered deposited on the next business day the night depository or lockbox is open. In some cases, we will Funds from the following deposits are available on the same day they are deposited: • Funds received for deposit by an electronic payment (including ACH credits and transfers); • Wire transfers; • Checks drawn on this institution (unless funds are not available in the Account on which the check is drawn); • Cash deposits made at a teller window. If you do not make all your deposit in person to one of our tellers (for example, if you mail the deposit), funds that you deposit by check from these deposits will be available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds Funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. : • You deposit checks totaling more than $5,000 on any one day. 3. • We believe a check you deposit will not be paid. • You redeposit a check that has been returned unpaid. 4. • You have overdrawn your account Account repeatedly in the last six (6) months. 5. • 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 (7th) fifth business day after the day of your deposit. If the decision to delay availability is not made at the time you make the deposit, we will mail you a notice by the first business day after we receive your deposit. The notice will tell you when the funds will be available.

FUNDS AVAILABILITY POLICY. This policy statement applies to “transaction accounts”. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third parties and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts (Refer to Section V for more information regarding checking accounts). Feel free to ask us whether any of your other accounts might also be considered transaction accounts. Our general policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on Once the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs written and other electronic debits that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your depositpresented for payment. For determining the availability of your deposits, every day is a ”business day”, except Saturdays, SundaysSundays and holidays observed by the Credit Union. Our business days are Monday through Friday, excluding New Year’s Day, ▇▇▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇, ▇▇. Day, President’s Day, Good Friday, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, the Friday after Thanksgiving Day, Christmas Day, and federal holidayson the last weekday preceding Christmas and New Year’s Day, and on any day designated for their observance. If you make a deposit at one of our offices before 6:00 5:00 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 5:00 p.m. Pacific Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. Remember, even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving yourdeposit. Funds from the following deposits will be available on the same day we receive the deposit: • Cash deposited in person to one of our employees; • Funds from electronic deposits (ACH) to your account; or • Checks drawn on the Credit Union and deposited in person to one of our employees. • Funds from the following deposits will be available on the first business day after the day of your deposit • Wire transfers to your account; • U.S. Treasury checks and U.S. Postal money orders that are payable to you; • Federal Reserve Bank and Federal Home Loan Bank checks that are payable to you; • State and local government checks that are payable to you; • Cashier’s, certified, and teller’s checks that are payable to you; or • Checks drawn on the Credit Union and deposited into our night depository receptacle. 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. The first $200 of your deposits, however, will be available on the first business day after the day of your deposit. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not will generally be available until on the fifth (5th) second business day after the day of your deposit. However, the The first $225 200 of your deposits will deposits, however, may be available on the first (1st) business day after the day of your deposit. day.‌ If we are not going to make all of the funds from your deposit available on the first (1st) business day after the day of your depositday, 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. : • We believe a check you deposit will not be paid. 2. ; • You deposit checks totaling more than $5,000 on any one day. 3. You ; • You/we redeposit a check that has been returned unpaid. 4. returnedunpaid; • You have overdrawn your account repeatedly in the last six (6) months. 5. ; or • There is an emergency, emergency such as a natural disaster, failure of computer or communications equipment, or computer equipmentother situations that interrupt the processing of checks. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will may not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs)operate. All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary our ATMs may not be available until the second (2nd) business day after the day of your deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 3 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time3 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. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 200 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. You deposit checks or share drafts totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 eighth (7th8th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. Information contained in this section applies to all deposit accounts. Our general policy is to make funds from your available to you on the following basis. We intend to make cash and check deposits available to you immediately on the first (1st) business day after the day we receive your depositdeposits. Electronic Similarly, electronic direct deposits will also be available to you on the day we receive the deposit. Once deposited When funds are availableavailable to you, you can may withdraw the funds them in cash and we will may use the funds them to pay checks that you have written. Funds Please remember that even after we have made funds available to you and you have withdrawn the funds, you available if you had deposited them. If we accept for deposi the time funds from any deposits (cash or checks) made at automated teller machines (ATMs) the check we do not own or operate cashed would have been already in your account. Those funds will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day a corresponding amount of funds that are for you that is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. Pacific Standard Time drawn on a business day that we are openanother bank, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 of your deposits will be available on the first (1st) business day after the day of withhold any other issues involving your deposit. If we cash a check returned to us unpaid and, subject to applicable law, for are not going to make all of the funds from your still responsible for checks that you deposit available that are on the first (1st) business day after the day of your deposit, we will notify you to the extent possible 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the next business day after we receive your deposit. If you will need the funds from a the deposit immediatelyright away, you should ask us when the funds will be available. In addition, in the case of an exception hold, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. : • We believe a check you deposit will not be paid. 2. ; one day; You deposit checks totaling more than $5,000 5,750 on any one day. 3. • returned unpaid; You redeposit a check that has been returned unpaid. 4. previously • last 6 months; or You have overdrawn your account repeatedly in the last six (6) months. 5• t a check that is drawn on another bank, we may make the funds from the deposit available for withdrawal immediately applicable time periods that are described elsewhere in this disclosure for the type of check that you deposited. There is an emergency, such as failure would then not be available for withdrawal until the or another account with us. The funds in the other account amount of communications or computer equipment. We will notify funds that you if we have on deposit in this account but delay your ability availability to withdraw funds for any of these reasons, and we will tell you when the funds will be availablea corresponding deposit. They will generally be available no later than the seventh (7th) business day after the day of your deposit.will be available. They will generally be available no later for any of these reasons and we will tell you when the funds We will notify you if we delay your ability to withdraw funds or internet access device. your account electronically, including through the computer such as payroll, that we allow to be deposited directly to Social Security Administration benefits or other deposits, You may arrange for the direct deposit to your account of communications equipment. There is an emergency, such as failure of computer or •

FUNDS AVAILABILITY POLICY. All credits for deposit are provisional until we receive final payment from the institution that the check(s) is/are drawn on. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will may not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs)operate. All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary our ATMs may not be available until the second (2nd) business day after the day of your deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before 6:00 5 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time5 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. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth seventh (5th7th) business day after the day of your deposit. However, the first $225 225.00 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 not made directly to one of our employees, employees or if we decide to take this action after you have left the premises, we will mail you the notice or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediatelyright away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 (7th) business day after the day of your deposit.

FUNDS AVAILABILITY POLICY. Our Note: This Funds Availability Policy does not apply to deposits made via Xceed Mobile Deposit. Credits for Deposits A receipt may be provided or made available upon request for all deposits to my account, except for remote deposits (e.g., lockbox, night depository services, certain funds transfers). However, the amount on my deposit receipt is based solely on my deposit ticket. Funds from my deposits to my account may not be made immediately available. You shall not be construed to have received for deposit checks sent by mail or placed in the night depository until you have either received actual delivery from the U.S. Postal Service or have removed the checks from the depository. Checks placed in such depository will be removed not later than the next business day. All deposits made by mail and addressed to you without using a specific Financial Center name and street address will be considered received as of the date such deposit is received by such location. For checking accounts, funds will be made available according to Federal Reserve Regulation CC and your Funds Availability Policy. Credits for all deposits are subject to final verification and, after review, you may make adjustments to my account for any errors, including any errors appearing on my deposit ticket with no notice to me. In addition, the availability of funds for withdrawal does not mean that the deposited check or other item is “good,” has “cleared,” or has been paid by the paying financial institution, or that the item will not be returned unpaid and my account subsequently debited, notwithstanding the passage of any period of time or any representation or belief to the contrary. You may accept credits to my account that have been originated by third parties (e.g., ACH credits, wire transfers). However, you may reverse any credit to my account that the originator of such deposit has informed you was in error or was intended for another account without investigating whether such credit was not properly payable to me. You need not accept for deposit items drawn on a non-U.S. financial institution or items payable in a foreign currency and may instead accept such items on a collection basis, even after you have taken physical possession of such items. If accepted on a collection basis, you will not be obligated to credit my account for such items until you have received final payment. The actual credit for items payable in a foreign currency will be at the exchange rate in effect at the time of final collection in U.S. dollars. Regardless of whether such items are accepted for deposit or on a collection basis, your Funds Availability Policy will not apply to these items. I agree that you act only as a collecting agent in receiving items for deposit or collection and assume no responsibility beyond reasonable care. You will use reasonable care in the selection of collecting agents but will not be liable in the case of their failure or negligence or for losses in transit. I agree that you, and each of your correspondents, may send checks subject to collection, directly or indirectly, to any financial institution, depository, maker, or drawer in accordance with your usual custom and may accept checks, drafts, or credits on a conditional basis. In general, your policy is to make funds from your cash and check deposits available to you me on the first (1st) business day after the day you receive my deposit. The first $225 of this deposit will be available on the first business day after the day of my deposit. For my accounts, funds will be made available according to the Federal Reserve Board’s Regulation CC and your Funds Availability Policy. Funds may be held for a longer period after review of deposited items. Deposits at Xceed ATMs The first $225 per business day of cash or checks deposited at an Xceed ATM prior to 7:00 p.m. Pacific Time will be available immediately for cash withdrawals only; it is not available to pay checks and/or other transactions until the remaining funds are made available. The remaining funds will be available by the second business day after the day we receive are considered to have received your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Deposits at Nonproprietary ATMs Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we ATMs you do not own or operate will may not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until I make the second (2nd) business day after the day of your deposit. For purposes of determining the availability of your my deposits, every day is a business day, except SaturdaysSaturday, SundaysSunday, and federal holidays. If you I make a deposit before 6:00 p.m. Pacific Standard Time on a business day that we you are openopen during business hours or through the night depository or lockbox services, we you will consider that day to be the day of your my deposit. However, if you I make a deposit after 6:00 p.m. Pacific Standard Timeon a Saturday, Sunday, federal holiday, or through the night depository box or lockbox services on a day we you are not openopen or after business hours, we you will consider that the deposit was made on the next business day we you are open. Longer Delays May Apply In some cases, we you will not make all of the funds that you I deposit by check available to you me on the first (1st) business day after the day of your my deposit. Depending on the type of check that you I deposit, funds may not be available until the fifth (5th) second or seventh business day after following the day of your deposit. If there is reasonable doubt of collectability, funds may be held longer. However, the first $225 of your deposits my deposit will be available on the first business day. Note: You may delay the availability of my funds for one (1st1) business additional day after the day of your depositif I request a cash withdrawal, cashier’s check, money order, traveler’s check, certified check, official check, or any other irrevocable commitment to pay. If we are not going to make all you delay the availability of the funds from your deposit available on the first (1st) business day after the day of your depositmy funds, we you will notify you tell me at the time you I make your deposit. We will also my deposit and tell you me when the funds will be available. If your my deposit is not made directly to one of our employees, your employees or if we you decide to take this action after you I have left the premises, we you will mail you me the notice or electronically deliver of the notice, if you have agreed to receive notices from us in an electronic format, by delay the business day after we you receive my deposit or balance your depositATM. If you will I need the funds from a deposit immediatelyright away, you I should ask us you when the funds will be available. In addition, funds you I deposit by check may be delayed for a longer period under the following circumstances: 1. We a. You believe a check you deposit I deposited will not be paid. 2. You b. I deposit checks totaling more than $5,000 5,525 on any one day. 3. You c. I redeposit a check that has been returned unpaid. 4. You d. I have overdrawn your my account repeatedly in the last six (6) months. 5. e. There is an emergency, such as failure of computer or communications or computer equipment. We You will notify me if you if we delay your my ability to withdraw funds for any of these reasons, and we you will tell you me when the funds will be available. They Generally, they will generally be available no later than the seventh (7th) business day after the day of your my deposit.

FUNDS AVAILABILITY POLICY. Our policy is to make funds from your cash and check deposits available to you on the first (1st) business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposited funds are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we do not own or operate will not be available until the fifth (5th) business day after the day of your deposit. This rule does not apply at ATMs that we own or operate (proprietary ATMs). All ATMs that we own or operate are identified as our machines. Funds from any deposits (cash or checks) made at proprietary ATMs may not be available until the second (2nd) business day after the day of your deposit. For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. Pacific Standard Time on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 6:00 p.m. Pacific Standard Time, or on a day we are not open, we will consider that the deposit was made on the next business day we are open. In some cases, we will not make all of the funds that you deposit by check available to you on the first (1st) business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. However, the first $225 200 of your deposits will be available on the first (1st) business day after the day of your deposit. If we are not going to make all of the funds from your deposit available on the first (1st) business day after 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 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 or electronically deliver the notice, if you have agreed to receive notices from us in an electronic format, by the business day after we receive your deposit. If you will need the funds from a deposit immediately, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances: 1. We believe a check you deposit will not be paid. 2. You deposit checks totaling more than $5,000 on any one day. 3. You redeposit a check that has been returned unpaid. 4. You have overdrawn your account repeatedly in the last six (6) months. 5. 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 (7th) business day after the day of your deposit.