Common use of Shared Branching Clause in Contracts

Shared Branching. With respect to items deposited at shared branch locations (meaning branches of credit unions other than this Credit Union that accept deposits for our members through participation in a shared branch network), funds will be available as stated in this disclosure with the addition of the following exceptions: • Your Ability to Withdraw Funds: Our policy is to delay the availability of funds from non-cash deposits that are accepted at a shared branch location. 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 or other withdrawals you have authorized. • Foreign checks will not be accepted at a shared branch. • Shared Branch Transaction Limits: The shared branch that you are visiting may impose withdrawal limits. • All Transactions with the Credit Union are subject to our policies and procedures – including security, identification, Bank Secrecy Act, and all other applicable laws, rules and regulations.