Common use of Renewal Policy Clause in Contracts

Renewal Policy. For all accounts, your account will not automatically renew, but you may renew the account at your option. Dividends will not be paid after maturity. The balance will be transferred to another account of yours. Non-transferable/Non-negotiable. Your account is non-transferable and non- negotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Union. FUNDS AVAILABILITY POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS AT THE CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION. General Policy. Our policy is to make funds from your check deposits available to you on the next business day after the day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds and we will use the balance of available 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 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.

Renewal Policy. The renewal policy for your accounts is stated in the Rate Schedule. For all accounts, your account will not automatically renew, but you may renew for another term upon maturity. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account at your optionwithout being charged an early withdrawal penalty. Dividends will not be paid after maturity. The balance will be transferred to another account of yours. Non-transferableNontransferable/Non-negotiableNonnegotiable. Your account is non-transferable nontransferable and non- negotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Unionnonnegotiable. FUNDS AVAILABILITY POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS AT THE CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION. General Policy. Our policy is to make funds from your cash and check deposits available to you on the next 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 they are available, you can withdraw the funds in cash and we will use the balance of available 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 closing 5:00 p.m. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing 5:00 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. 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 same business day that we receive your deposit. Funds may not be available until the second business day after the day of your deposit. However, the first $200.00 of your deposit will be available on the first 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 same business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take this action after you have left the premises, we will mail you the notice by the next 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.

Renewal Policy. For all accounts, your account will not automatically renew, but you may renew the account at your option. Dividends will not be paid after maturity. The balance will be transferred to another account of yours. Non-transferable/Non-negotiable. Your account is non-transferable and non- negotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Union. FUNDS AVAILABILITY POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS AT THE CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION. General Policy. Our policy is to make funds from your cash and check deposits available to you on the next first business day after the day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the balance of available 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 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.

Renewal Policy. For all accounts, your account The Credit Union will not automatically renew, but you may renew give the account owners at your option. Dividends will not be paid after least 30 days notice prior to maturity. The balance owners will be transferred able to another choose how the certificate will be treated at maturity. The certificate will be renewed for the same term at the rate in effect if no instructions are received from the owner before the maturity date. You have a grace period of ten (10) days after maturity in which to withdraw funds in the account of yourswithout being charged an early withdrawal penalty. Non-transferableFor certificate specials, the renewal maturity term is stated on your actual share certificate received at certificate opening. Nontransferable/Non-negotiableNonnegotiable. Your account is non-transferable nontransferable and non- negotiable. The funds in your account may not be pledged to secure any obligations of an owner, except obligations with the Credit Unionnonnegotiable. FUNDS AVAILABILITY POLICY DISCLOSURE THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS AT THE CREDIT UNION. YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION. General Policy. Our policy is to make funds from your cash and check deposits available to you on the next first business day after the day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the balance of available 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 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.