Common use of Funds Availability Policy Clause in Contracts

Funds Availability Policy. Your Ability To Withdraw Funds. Our policy is to delay the availability of funds from your cash and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a 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 a deposit before closing 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 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. Same-Day Availability. Funds from electronic 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 (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 (2nd) business day after the day we receive your deposit.

Funds Availability Policy. Your Ability To Withdraw Funds. Our policy is to delay the availability of make funds from your cash and check depositsdeposits available to you on the first (1st) business day after the day we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once deposited funds are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining 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 Availability of a Deposit. The length of the delay is counted in fifth (5th) business days from day after the day of your deposit. Every 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 day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing 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 closing 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. The length Longer Delays May Apply In some cases, we will not make all of the delay varies depending 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 deposit and is explained belowcheck that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. Same-Day Availability. Funds from electronic direct However, the first $225 of your 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 (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you we are not going to make all of the deposit in person to one of our employees, funds from the following deposits are also your deposit available on the first (1st) business day after the day of your deposit: • Cash, we will notify you at the time you make your deposit. • 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 youWe will also tell you when the funds will be available. If you do not make your deposit in person is not made directly to one of our employees (for exampleemployees, 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 mail have agreed to receive notices from us in an electronic format, by the deposit), funds from these deposits will be available on the second (2nd) business day after the day 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:

Funds Availability Policy. Your Ability To Withdraw FundsThis policy statement applies to all accounts. Our policy is to delay the availability of make funds from your cash and check depositsdeposits available to you on the same day we receive your deposit. During the delayAt that time, you may not can withdraw the funds in cash cash, and we will not use the funds to pay checks that you have written. Determining Please remember even after we have made funds available to you and you have withdrawn the Availability of a Deposit. The length of the delay is counted in business days from the day of funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit. Every For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, Sundays and federal Federal holidays. If you make a deposit before 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 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. If 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 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 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 length funds in the other account would not be available for withdrawal until the time periods described elsewhere in this disclosure for the type of the delay varies check you deposited. Case‐by‐Case Delays: In some cases depending on the type of deposit and is explained below. Same-Day Availability. Funds from electronic direct deposits check you deposit, we will not make all of the funds deposited by check available to your account will be available you on the same day we receive your deposit; however, the deposit. Next-Day Availability. Funds from the following first $200 of your deposits are will be made available on the first (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 (2nd) business day after the day we receive your deposit.. If we are not going to make all of the funds from your deposit available on the same day we receive your deposit, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice no later than the day after we received your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available. Safeguard Exceptions: Funds you deposit by check may be delayed for a longer period under the following circumstances:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,000 on any one day.  You redeposit a check that has been returned unpaid.  You have overdrawn your account repeatedly in the last six months.  There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. ATMs We Own or Operate: Full service ATMs (withdrawals and deposits accepted) are located at the following locations:  0000 X Xxxxxx Xx – Alpena, MI 49707  1013 US 00 X – Xxxxxx, XX 00000  0000 X Xxxxxxxx Xx – Alpena, MI 49707 (Withdrawals only, located inside Alpena Regional Medical Center)  12285 Jerome St – Atlanta, MI 49709  000 X Xxxxxx Xx – Xxxxxxx, XX 00000  000 X Xxxxx Xx – Xxxxxx, XX 00000  11610 US 23 S – Ossineke, MI 49766  118 X X‐55 – Tawas City, MI 48764 You may only make deposits to ATMs located in the State of Michigan. TRUTH‐IN‐SAVINGS DISCLOSURE

Funds Availability Policy. Your Ability To Withdraw Funds. Our Subject to the Amendments and Termination provisions set forth at Section A above, our policy is to delay the availability of make funds from your cash and check depositsdeposits available to you on the first business day after the day we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once they are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining Please remember that even after we have had funds available to you, and you have withdrawn the Availability of a Depositfunds, you are still responsible for checks you deposit that are returned to us unpaid and for other problems involving your deposit. The length of For determining the delay is counted in business days from the day availability of your deposit. Every , every day is a business day day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing 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 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 Longer Delays May Apply Funds you deposit by check may be delayed for a longer period under the delay varies depending following circumstances: • We believe a check you deposit will not be paid. • Matching funds are not on the type of deposit. • You deposit and is explained belowchecks totaling more than $5,000 on any one day. Same-Day Availability• You redeposit a check that has been returned unpaid. Funds from electronic direct deposits to • You have overdrawn your account repeatedly in the last six months. • There is an emergency, such as failure of computer or communications equipment. We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available on no later than the day we receive the deposit. Next-Day Availability. Funds from the following deposits are available on the first (1st) ninth business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 (2nd) business day after the day we receive your deposit.

Funds Availability Policy. Your Ability To Withdraw FundsThis section applies to deposits made at Logix-owned ATMs and at select ATM locations displaying the CO-OP Network symbol. Our policy is Logix-owned ATMs are easily identifiable by our name on the ATM screen. Funds from deposits made at Logix-owned ATMs are subject to delay verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the second business day following the date of deposit. Funds from deposits made at non-Logix-owned ATMs displaying the CO-OP Network symbol are also subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the fifth business day following the date of deposit. Longer delays may apply. For determining the availability of funds from your cash and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every every day is a business day day, except Saturdays, Sundays, and federal holidays. If you make Generally, deposits received after 12:00 p.m. (noon) local time will be processed the following business day. Each calendar day (including Saturday, Sunday and holidays) is a deposit before closing on processing day. At Logix-owned ATMs, a business processing day that we are openis the actual 24 hour calendar day period, midnight to midnight (12:00 a.m. Pacific Time [PT)).Processing days may be different at non-Logix owned ATMs and POS Networks (for example, 3:00 p.m. to 3:00 p.m.). For posting transactions dividend calculation, finance charge accruals, and for any matter under dispute, the processing date will be the effective date of the transaction. Longer Delays May Apply In some cases, we will consider not make all of the funds that you deposit at Logix-owned ATMs available to you on the second business day after the day of your deposit, or that you deposit at non-Logix owned ATMs available to be you on the fifth business day after 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 first $225 of each day’s deposits 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. Sameat Logix-Day Availability. Funds from electronic direct deposits to your account owned ATMs will be available on the day we receive the deposit. Next-Day Availability. Funds from the following deposits are available on the first (1st) business day after following the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you we are not going to make all of the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 (2nd) or fifth business day following the date of deposit, as stated above, we will notify you by mail by the first business day after the day we receive your depositdeposit and tell you when the funds will be available. If you will need the funds right away, you should ask us when the funds will be available.

Funds Availability Policy. Your Ability To Withdraw Funds. General Our policy is to delay the availability of make funds from your cash and check depositsdeposits available to you on the first (1st) business day after the day we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once deposited funds are available, you may not can withdraw the funds in cash cash, and we will not use the funds to pay checks that you have written. Determining For determining the Availability of a Deposit. The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing 3:00 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 closing 3:00 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. The length Deposits at ATMs 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 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. Longer Delays May Apply In some cases, we will not make all of the delay varies depending 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 deposit and is explained belowcheck that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. Same-Day Availability. Funds from electronic direct However, the first $300 of your 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 (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you we are not going to make all of the deposit in person to one of our employees, funds from the following deposits are also your deposit available on the first (1st) business day after the day of your deposit: • Cash, we will notify you at the time you make your deposit. • 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 youWe will also tell you when the funds will be available. If you do not make your deposit in person is not made directly to one of our employees (for exampleemployees, 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 mail 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 right away, you should ask us when the funds will be available. In addition, funds from you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposit will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (6) months. • 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 deposits reasons, and we will tell you when the funds will be available. They will generally be available on no later than the second eighth (2nd8th) business day after the day we receive of your deposit.

Funds Availability Policy. Your Ability To Withdraw FundsGeneral 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 delay be in accordance with Regulation CC or other applicable Federal regulation on the availability of funds from on your cash cash, check deposits and check depositsElectronic payments. During the delay, you 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. But, Xxxx 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. Deposit The length of the delay is counted in business days Banking Days from the day of your deposit. Every day is a business 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 closing 4:00 p.m. 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 closing 4:00 p.m. 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. The length of the delay varies depending on the type of deposit and is explained below. Same-• Same Banking Day Availability. Availability Funds from electronic direct deposits to your account Account will be available on the day we receive the deposit. Next-• Xxxx, when presented in person to one of our Associates. • Wire transfers, including pre authorized credits, such as social security benefits and payroll checks. • Next Banking Day Availability. Availability Funds from the following deposits are available for withdrawal on the first (1st) business day Banking Day after the day of your deposit: 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. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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, loan bank checks and postal money orders, if these items are payable to you. • Checks drawn on Helm. • 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 employees Associates (for example, if you mail the deposit), ) funds from these deposits will be available on the second (2nd) business day 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. (Other checks may be subject to longer hold periods as specified below).

Funds Availability Policy. Your Ability To Withdraw Funds. Our policy is to delay the availability of make funds from your my cash and check depositsdeposits available to me on the first (1st) business day after the day you receive my deposit. During Electronic direct deposits will be available on the delayday you receive the deposit. Funds from any deposits (cash or checks) made at automated teller machines (ATMs) you do not own or operate will not be available until the fifth (5th) business day after the day of my deposit. This rule does not apply at ATMs that you own or operate. All ATMs that you own or operate are identified as our machines. Once they are available, you may not I can withdraw the funds in cash and we you will not use the funds to pay checks that you I have written. Determining For determining the Availability availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every my deposits, every day is a business day day, except Saturdays, Sundays, and federal holidays. If you I make a deposit before closing 2:00 p.m. 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 closing 2:00 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. The length LONGER DELAYS MAY APPLY. In some cases, you will not make all of the delay varies depending funds that I deposit by check available to me on the first (1st) business day after the day of my deposit. Depending on the type of deposit and is explained below. Same-Day Availability. Funds from electronic direct deposits to your account will check that I deposit, funds may not be available on until the fifth (5th) business day after the day we receive the of my deposit. Next-Day Availability. Funds from However, the following first $200.00 of my deposits are may be available on the first (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you are not going to make all of the deposit in person to one of our employees, funds from the following deposits are also my deposit available on the first (1st) business day after the day of your deposit: • Cash, you will notify me at the time I make my deposit. • 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 youYou will also tell me when the funds will be available. If you do my deposit is not make your deposit in person made directly to one of our employees (for exampleyour employees, or if you decide to take this action after I have left the premises, you will mail me the deposit), funds from these deposits will be available on notice by the second (2nd) business day after you receive my deposit. If I will need the day we receive your deposit.funds from a deposit right away, I should ask you when the funds will be available. In addition, funds I deposit by check may be delayed for a longer period under the following circumstances:

Funds Availability Policy. Your Ability To Withdraw Funds. Our policy is to delay the availability of funds from your cash and check depositsdepos- its. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every day is a business day except SaturdaysSatur- days, Sundays, and federal holidays. If you make a deposit de- posit before closing 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 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. Same-Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Next-Day Availability. Funds from the following deposits depos- its are available on the first (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • State and local government checks that are payable to you. • Cashier’s, certified, and xxxxxxteller’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 pay- able 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 (2nd) business day after the day we receive your deposit.. Other Check Deposits. The first $2,500 from a deposit of other checks will be available on the day of your de- posit. The remaining funds will be available on the second (2nd) business day after the day of your deposit. For ex- ample, if you deposit a check in the amount of $3,100 on a Monday, $2,500 of the deposit is available on Monday. The remaining $600 will be available on Wednesday. Longer Delays May Apply Funds you deposit by check may be delayed for a longer period under the following circumstances:

Funds Availability Policy. Your Ability To Withdraw Funds. Our policy is to delay the availability of make funds from your cash and check depositsdeposits available to you on the first (1st) business day after the day we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once deposited funds are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining 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 Availability of a Deposit. The length of the delay is counted in fifth (5th) business days from day after the day of your deposit. Every 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 day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing 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 closing 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. The length Longer Delays May Apply In some cases, we will not make all of the delay varies depending 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 deposit and is explained belowcheck that you deposit, funds may not be available until the fifth (5th) business day after the day of your deposit. Same-Day Availability. Funds from electronic direct However, the first $200 of your 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 (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you we are not going to make all of the deposit in person to one of our employees, funds from the following deposits are also your deposit available on the first (1st) business day after the day of your deposit: • Cash, we will notify you at the time you make your deposit. • 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 youWe will also tell you when the funds will be available. If you do not make your deposit in person is not made directly to one of our employees (for exampleemployees, 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 mail have agreed to receive notices from us in an electronic format, by the deposit), funds from these deposits will be available on the second (2nd) business day after the day 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:

Funds Availability Policy. Your Ability To Withdraw FundsAll 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 delay the availability of make funds from your cash and check depositsdeposits available to you on the first (1st) business day after the day we receive your deposit. During Electronic direct deposits will be available on the delayday 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 fifth (5th) 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. Funds from any deposits (cash or checks) made at our ATMs may not be available until the second (2nd) business day after the day of your deposit. Once deposited funds are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining For determining the Availability of a Deposit. The length of the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before closing 5 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 a deposit after closing 5 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 Longer Delays May Apply In some cases, we will not make all of the delay varies depending on the type of funds that you deposit and is explained below. Same-Day Availability. Funds from electronic direct deposits by check available to your account will be available on the day we receive the deposit. Next-Day Availability. Funds from the following deposits are available you on the first (1st) business day after the day of your deposit: • U.S. Treasury checks . Depending on the type of check that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employeesdeposit, funds from may not be available until the following seventh (7th) business day after the day of your deposit. However, the first $225.00 of your deposits are also will be available on the first (1st) business day after the day of your deposit: • Cash. • 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 we are not going to make all of the funds from 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 first (2nd1st) business day after the day of 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 right away, you should ask us when the funds will be available. In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

Funds Availability Policy. Your Ability To Withdraw FundsThis Funds Availability Policy (Policy) applies to deposits made into a checking or savings account at a branch, automated teller machine (ATM), or by mail. Our This Policy does not apply to deposits made remotely through mobile deposit services. With some exceptions described below, it is our policy is to delay the availability of make funds from your cash and check depositsdeposits available on or before the first business day after the day we receive your deposit. During the delayAt that time, you may not can withdraw the funds in cash and we will not use the funds to pay checks or other items. For example, if you deposit a check on Monday, you may not be able to access the funds from that deposit, including for payment of other checks, until Tuesday or possibly later. Refer to the availability timelines below for details about when you have writtencan use the funds from different types of deposits. Additionally, we may place a longer hold and credit will not be received on non-U.S. items until the collection process is completed. Determining the Availability of When a Deposit. The length of the delay Deposit is counted in Received If you make a deposit with an associate at a branch on a business days from day, we will consider that day to be the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before closing on a business day that we are openbefore our cutoff time at a Landmark ATM, we will consider that day to be the day of your deposit. However, if you make a deposit after closing or on a day we are that is not opena business day or make an ATM deposit after the ATM cutoff time, we will consider that the deposit was to have been made on the next business day for purposes of funds availability. For example, if you make a deposit at an ATM at 9:00 p.m. on a Friday, the deposit will be considered received on the following Monday. • For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. • For deposits and transfers at most Landmark ATMs, the cutoff time is 7:00 p.m. local time. In some cases, the cutoff time may be delayed at Landmark’s discretion. During the delay, your deposit will be treated as if it was received before 7:00 p.m. Please note, the date printed on your ATM deposit receipt will reflect the calendar day you made your deposit, which may not be the same as the day we consider it received for purposes of funds availability as outlined in this Policy. • Deposits placed in a night depository are considered received when we remove them from the night depository; we will remove deposits no later than the next business day. • Branches in some locations may be closed on business days because of an emergency, and deposits made at a night depository when those branches are closed will be considered received on the next business day when the branch is open. The length of the delay varies depending • We will not accept cash deposits by mail. All deposits made by mail will be considered received on the type date the deposit is received by that location. Quick Reference Guide Xxxxxxx made to an associate at a branch? Type of deposit Deposit Funds Availability Yes Qualified Payroll Check* Cash Check drawn on a Landmark account (“On-us Check”) Electronic (wire and is explained below. Same-Day Availability. Funds from electronic direct ACH) deposits to your account will be available on the day we receive the deposit. NextU.S. Treasury Checks Cashier/Certified/Teller Check U.S. Postal Money Order State or Local Government Check Pre-Printed Insurance Check Same Day Availability. Funds All Other Types of Checks Next Business Day No Deposits at Landmark ATMs Next Business Day Deposits at non-Landmark ATMs Fifth Business Day All other types of deposits (excluding mobile deposits) Next Business Day * Qualified Payroll Check means a payroll check following two consecutive deposits that cleared from the following deposits are available on the first (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 (2nd) business day after the day we receive your depositsame employer.

Funds Availability Policy. Your Ability To Withdraw Funds. Our policy is to delay the availability of make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits, wire transfers and cash deposits made in person will be available on the day we receive your deposit. During Once the delayfunds are available, you may not can withdraw the funds them in cash and we will not use the funds to pay checks that you have writtenwritten and other debits that you have authorized. Determining the Availability of a Deposit. The length of Deposits To determine the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day day, except Saturdays, Sundays, Sundays and federal holidays. If you make a deposit before closing 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 closing 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 open. The length of the delay varies depending considered deposited on the type of deposit and next business day the night depository or lockbox is explained belowopen. Same-Day Availability. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Next-Day Availability. Availability Funds from the following deposits are available on the first (1st) business same day after the day of your depositthey are deposited: • U.S. Treasury checks that are payable to you. Funds received for deposit by an electronic payment (including ACH credits and transfers); • Wire transfers. ; • Checks drawn on us. If you make this institution (unless funds are not available in the deposit in person to one of our employees, funds from Account on which the following check is drawn); • Cash deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 youmade at a teller window. If you do not make your deposit in person to one of our employees tellers (for example, if you mail the deposit), funds from these deposits will be available on the second (2nd) first business day after the day of your deposit. Longer Delays May Apply Funds you deposit by check may be delayed for a longer period under the following circumstances: • You deposit checks totaling more than $5,000 on any one day. • 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 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 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. Your Ability To Withdraw FundsThis section applies to deposits made at Logix-owned ATMs and at select ATM locations displaying the CO-OP Network symbol. Our policy is Logix-owned ATMs are easily identifiable by our name on the ATM screen. Funds from deposits made at Logix-owned ATMs are subject to delay verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the second business day following the date of deposit. Funds from deposits made at non-Logix-owned ATMs displaying the CO-OP Network symbol are also subject to verification, may not be available for immediate withdrawal, and will generally be available for withdrawal the fifth business day following the date of deposit. Longer delays may apply. For determining the availability of funds from your cash and check deposits. During the delay, you may not withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. The length of the delay is counted in business days from the day of your deposit. Every every day is a business day day, except Saturdays, Sundays, and federal holidays. If you make Generally, deposits received after 12:00 p.m. (noon) local time will be processed the following business day. Each calendar day (including Saturday, Sunday and holidays) is a deposit before closing on processing day. At Logix-owned ATMs, a business processing day that we are openis the actual 24 hour calendar day period, midnight to midnight (12:00 a.m. Pacific Time [PT)).Processing days may be different at non-Logix owned ATMs and POS Networks (for example, 3:00 p.m. to 3:00 p.m.). For posting transactions dividend calculation, finance charge accruals, and for any matter under dispute, the processing date will be the effective date of the transaction. Longer Delays May Apply In some cases, we will consider not make all of the funds that you deposit at Logix-owned ATMs available to you on the second business day after the day of your deposit, or that you deposit at non-Logix owned ATMs available to be you on the fifth business day after 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 first $200 of each day’s deposits 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. Sameat Logix-Day Availability. Funds from electronic direct deposits to your account owned ATMs will be available on the day we receive the deposit. Next-Day Availability. Funds from the following deposits are available on the first (1st) business day after following the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you we are not going to make all of the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 (2nd) or fifth business day following the date of deposit, as stated above, we will notify you by mail by the first business day after the day we receive your depositdeposit and tell you when the funds will be available. If you will need the funds right away, you should ask us when the funds will be available.

Funds Availability Policy. Your Ability To Withdraw FundsMembers First Credit Union uses the following guidelines in determining funds availability. Our policy Availability is measured in business days following the banking day on which the deposit is made; multiple items deposited during the same banking day are aggregated. Business days are defined as any day other than a Saturday, Sunday, or federally declared legal holiday; banking days are any business day when we are open for substantially all of our banking activities. All references to delay the number of days to funds availability in this guide indicate maximum time limits for making funds available; we may provide earlier availability of funds if we choose and may extend the time when funds are available in some circumstances. The credit union may withhold the availability of a corresponding amount of funds in your account, should funds exceeding the amount made available at the time of deposit be returned to you or withdrawn prior to scheduled availability. For items not presented in person, the date of deposit is the business day the credit union reviews the deposit for credit to the account. Member Liability – Please understand you are responsible for any loss resulting from items deposited into your cash and check depositsaccount. During the delayFor your convenience, you funds may be made available for withdrawal before final payment has been received. If at any time it’s determined that an item may not withdraw the funds in cash and we or will not use be paid, the funds to pay checks that you have written. Determining Credit Union may withhold the Availability availability of a Deposit. The length corresponding amount of funds that are already in your account or debit your account for the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays, Sundays, and federal holidaysamount credited. If sufficient funds are no longer available in your account, your account may be overdrawn and you make a deposit before closing on a business day that we are openwill be responsible for the negative balance and any associated fees. Endorsements – To protect your account, we will consider that day may require endorsements to be the day of your deposit. However, if you make made in person and payees to present 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 belowvalid photo ID. Same-Day Availability. * - Funds from electronic direct deposits to your account made in person will be made available on the day we receive the deposit. Next-Day Availability. Funds from date of deposit for the following deposits are available items: • Cash • Checks drawn “on the first us” (1stShare/Loan drafts or cashier checks drawn on Members First Credit Union) business day after the day of your deposit: • Electronic payments including wire transfers and preauthorized credits such as payroll or Social Security benefits • U.S. Treasury checks, U.S. Postal Service Money Orders, Federal Reserve Bank and Federal Home Loan Bank checks that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employeesFederal, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • State and state, or local government checks that are payable to you. • Cashier’s, certified, teller’s, and xxxxxxtraveler’s checks • Payroll checks (drawn off an official payroll account) *Special Rules for Same-Day Availability Items: - Endorsements for all payees are required. - Third party items will not be accepted. - Items payable jointly to a member and a non-member may only be deposited into that are payable member’s account in the presence of the non- member xxxxx, who must present valid photo identification to youa credit union employee at the time of deposit. • Federal Reserve Bank checks, Federal Home Loan Bank checks, The ID description 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 (expiration for example, if you mail the deposit), funds from these deposits will any non-member payee may be available recorded on the second (2nd) business day after check at the day we receive your deposittime of verification.

Funds Availability Policy. Your Ability To Withdraw Funds. Our policy is to delay the availability of make funds from your cash and check depositsdeposits available to you on the first (1st) business day after the day we receive your deposit. During Electronic direct deposits will be available on the delayday we receive the deposit. Once deposited funds are available, you may not can withdraw the funds in cash and we will not use the funds to pay checks that you have written. Determining 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 Availability of a Deposit. The length of the delay is counted in seventh (7th) business days from day after the day of your deposit. Every 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 day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing 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 closing 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. The length Longer Delays May Apply In some cases, we will not make all of the delay varies depending 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 deposit and is explained belowcheck that you deposit, funds may not be available until the seventh (7th) business day after the day of your deposit. Same-Day Availability. Funds from electronic direct However, the first $200 of your 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 (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you we are not going to make all of the deposit in person to one of our employees, funds from the following deposits are also your deposit available on the first (1st) business day after the day of your deposit: • Cash, we will notify you at the time you make your deposit. • 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 youWe will also tell you when the funds will be available. If you do not make your deposit in person is not made directly to one of our employees (for exampleemployees, 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 mail have agreed to receive notices from us in an electronic format, by the deposit), funds from these deposits will be available on the second (2nd) business day after the day we receive your deposit.deposit 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:

Funds Availability Policy. Your Ability To Withdraw FundsFunds This disclosure describes your ability to withdraw funds from your Park Bank checking account. Our policy is to delay the The availability of funds from your cash deposited into an account mayvary and check depositsis explainedbelow. During the delayOnce funds are available, you may not can withdraw the funds in cash incash and we will not use the funds to pay checks that you have written. Determining the Availability of a Deposit. The length of Deposit For determining the delay is counted in business days from the day availability of your deposit. Every deposits, every day is a business day day, except Saturdays, Sundays, and federal holidays. If you make a deposit before closing 6 PM on a business day that we are open, we will consider that day to dayto be the day of your deposit. However, if you make a deposit after closing 6 PM or on a day we daywe are not open, we will consider that the deposit was made on the next business day we daywe are open. The length availability of the delay your deposits varies depending on the type of deposit and is explained belowexplainedbelow. Same-Same Business Day Availability. Funds from Availability Cash and electronic direct deposits to your account will be available on the day we receive the deposit. Next-Next Business Day Availability. Availability Funds from the following wire transfers and from check deposits that are payable to you anddeposited in person to one of our employees (including with a Video Banker) are available on the first (1st) business day after the day of your deposit: • U.S. Treasury checks that are payable to you. • Wire transfers. • Checks drawn on us. If you make the deposit in person to one of our employees, funds from the following deposits are also available on the first (1st) business day after the day of your deposit: • Cash. • 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 inpersonto one of our employees (for example, if you mail the depositdeposit or make the deposit using your mobile device), funds from these deposits will be available on the secondbusiness dayafter the day we receive your deposit. ATM Deposit Availability Funds from an ATM deposit made before 2:30 PM on a business daywill be available on the second (2nd) business day after the day we receive your deposit, whether the deposit is cashor checks.