Common use of Longer Delays May Apply Clause in Contracts

Longer Delays May Apply. In some cases, we may delay the availability of funds you deposit by check for a longer period under the following circumstances: • We believe a check you deposit will not be paid. (The first $500 will not be made available immediately.) • If you deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will not be available until the second business day after the day of your deposit totaling more than $5,525 on any one day. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day, the first $5,525 of a day’s total deposits of these checks will be available on the second business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. (The first $500 will be made available immediately.) • You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) • You have overdrawn your account repeatedly in the last six (6) months. (The first $500 of your deposit will not be made available immediately.) • There is an emergency, such as failure of communications or computer equipment. (The first $500 of your deposit will not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsement. (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if your ability to withdraw funds is delayed for any of these reasons, and we will tell you when the funds will be available. If we decide to take any action after you have left the premises, we will mail you a notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The funds will generally be available no later than the seventh business day after the day of your deposit. There may be other circumstances in which holds are applied to your deposit. We will generally notify you of any such hold, the reason for the hold, and any steps you or we may need to take to resolve the issue giving rise to the hold.

Longer Delays May Apply. Second Business Day Availability In some cases, we may delay not make all of the availability funds from a check available on the same business day as the deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $100 of your deposit will be immediately available. An additional $125 will be made available during nightly processing on the business day we receive your deposit, for a total of $225. If we are not going to make all of the funds from a check deposit available on the same business day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. Seventh Business Day Availability 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. (The first $500 will not be made available immediately.) • If you You deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will not be available until the second business day after the day of your deposit totaling more than $5,525 on any one day. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day, the first $5,525 of a day’s total deposits of these checks will be available on the second business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. (The first $500 will be made available immediately.) • You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) • You have overdrawn your account repeatedly in the last six (6) months. (The first $500 of your deposit will not be made available immediately.) • There is an emergency, such as failure of computer or communications or computer equipment. (The first $500 of your deposit will not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsement. (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if we delay your ability to withdraw funds is delayed for any of these reasons, and we will tell you when the funds will be available. If we decide to take any action after you have left the premises, we will mail you a notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The funds They will generally be available no later than the seventh business day after the day of your deposit. There may be other circumstances in which holds are applied to your deposit. We When a hold is placed for longer than two business days, you will generally notify you of not have any such hold, the reason funds immediately available for the hold, and any steps you or we may need to take to resolve the issue giving rise to the holduse.

Longer Delays May Apply. In some cases, we will not make all of the funds that you deposit by check available to you on the first banking day after the day of your deposit. Depending on the type of check that you deposit, funds may delay not be available until the availability second banking day after the day of your deposit. However the first $225 of your deposits will be available on the first banking day. If we are not going to make all of the funds from your deposit available on the first banking 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 not later than the banking 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 at the time you make the deposit. In addition, 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. (The first $500 will not be made available immediately.) • If you You deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will not be available until the second business day after the day of your deposit totaling more than $5,525 5,525.00 on any one (1) day. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day, the first $5,525 of a day’s total deposits of these checks will be available on the second business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. (The first $500 will be made available immediately.) • You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) • You have overdrawn your account repeatedly in the last six (6) months. (The first $500 of your deposit will not be made available immediately.) • There is an emergency, such as failure of computer or communications or computer equipment. (The first $500 of your deposit will not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsement. (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit you, if we delay your ability to withdraw funds is delayed for any of these reasons, and we will tell you when the funds will be available. If we decide to take any action after you have left the premises, we will mail you a notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The funds They will generally be available no later than the seventh business fifth banking day after the day of your deposit. There may be other circumstances in which holds are applied to your deposit. We will generally notify you of any such hold, the reason for the hold, and any steps you or we may need to take to resolve the issue giving rise to the hold.

Longer Delays May Apply. In some cases, we may delay not make all of the availability of funds you deposit by check for a longer period under the following circumstances: • We believe from a check you deposit will not be paid. (The first $500 will not be made available immediately.) • If you deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first same business day after as the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If Depending on the type of check that you do not make the deposit in person to one of our employees (for exampledeposit, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will funds may not be available until the second business day after the day of your deposit. The first $100 of your deposit will be immediately available. An additional $100 will be made available during nightly processing on the business day we receive your deposit, for a total of $200. If we are not going to make all of the funds from a check deposit available on the same business day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the prem- ises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, the withdrawal of funds that you deposit by check may be delayed for a longer period under one or more of the following circumstances:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,525 5,000 on any one day. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day, the first $5,525 of a day’s total deposits of these checks will be available on the second business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. (The first $500 will be made available immediately.) •  You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) •  You have overdrawn your account repeatedly in the last preceding six (6) months. (The first $500 of your deposit will not be made available immediately.) •  There is an emergency, such as failure of communications or computer equipment.  You deposit checks to a new account (The first $500 of your deposit will 200 same day credit may not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsementgiven). (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if we delay your ability to withdraw funds is delayed for any of these reasons, and we will tell you when the funds will be available. If we decide to take any action after you have left the premises, we will mail you a notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The funds will generally be available no later than the seventh business day after the day of your deposit. There may be other circumstances in which holds are applied to your deposit. We When a hold is placed for longer than two business days, you will generally notify you of not have any such hold, the reason funds immediately available for the hold, and any steps you or we may need to take to resolve the issue giving rise to the holduse.

Longer Delays May Apply. In some cases, we may delay not make all of the availability funds from a check available on the same business day as the deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. The first $100 of your deposit will be immediately available. An additional $100 will be made available during nightly processing on the business day we receive your deposit, for a total of $200. If we are not going to make all of the funds from a check deposit available on the same business day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, the withdrawal of funds that you deposit by check may be delayed for a longer period under one or more of the following circumstances: • We believe a check you deposit will not be paid. (The first $500 will not be made available immediately.) • If you You deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will not be available until the second business day after the day of your deposit totaling more than $5,525 5,000 on any one day. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day, the first $5,525 of a day’s total deposits of these checks will be available on the second business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. (The first $500 will be made available immediately.) • You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) • You have overdrawn your account repeatedly in the last preceding six (6) months. (The first $500 of your deposit will not be made available immediately.) • There is an emergency, such as failure of communications or computer equipment. • You deposit checks to a new account (The first $500 of your deposit will 200 same day credit may not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsementgiven). (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if we delay your ability to withdraw funds is delayed for any of these reasons, and we will tell you when the funds will be available. If we decide to take any action after you have left the premises, we will mail you a notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The funds will generally be available no later than the seventh business day after the day of your deposit. There may be other circumstances in which holds are applied to your deposit. We When a hold is placed for longer than two business days, you will generally notify you of not have any such hold, the reason funds immediately available for the hold, and any steps you or we may need to take to resolve the issue giving rise to the holduse.

Longer Delays May Apply. In some cases, we may delay not make all of the availability of funds you deposit by check for a longer period under the following circumstances: • We believe from a check you deposit will not be paid. (The first $500 will not be made available immediately.) • If you deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first same business day after as the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If Depending on the type of check that you do not make the deposit in person to one of our employees (for exampledeposit, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will funds may not be available until the second business day after the day of your deposit. The first $100 of your deposit will be immediately available. An additional $100 will be made available during nightly processing on the business day we receive your deposit, for a total of $200. If we are not going to make all of the funds from a check deposit available on the same business day of your deposit, we will notify you at the time you make your deposit. We also will tell you when the funds will be available. If your deposit is not made directly to one of our associates, or if we decide to take this action after you have left the premises, we will mail you the notice no later than the next business day after we receive your deposit. If you will need the funds from a deposit right away, you should ask when the funds will be available. In addition, the withdrawal of funds that you deposit by check may be delayed for a longer period under one or more of the following circumstances:  We believe a check you deposit will not be paid.  You deposit checks totaling more than $5,525 5,000 on any one day. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day, the first $5,525 of a day’s total deposits of these checks will be available on the second business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. (The first $500 will be made available immediately.) •  You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) •  You have overdrawn your account repeatedly in the last preceding six (6) months. (The first $500 of your deposit will not be made available immediately.) •  There is an emergency, such as failure of communications or computer equipment.  You deposit checks to a new account (The first $500 of your deposit will 200 same day credit may not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsementgiven). (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if we delay your ability to withdraw funds is delayed for any of these reasons, and we will tell you when the funds will be available. If we decide to take any action after you have left the premises, we will mail you a notice by the next business day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The funds will generally be available no later than the seventh business day after the day of your deposit. There When a hold is placed for longer than two business days, you will not have any funds immediately available for use. SPECIAL RULES FOR NEW ACCOUNTS The following special rules may apply during the first thirty (30) days your account is open. Funds from the first $5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state, and local government checks, U.S. Treasury checks, U.S. Postal Service Money Orders, and checks drawn on Federal Reserve Banks and Federal Home Loan Banks will be available on the same business day we receive your deposit if the deposit meets certain conditions. For example, these checks (other circumstances than U.S. Treasury checks) must be deposited in which holds are applied an account held by the payee and must be deposited in person to an associate of the Bank. If your deposit of these checks (other than U.S. Treasury checks) is not made in person to one of our associates, the first $5,000 may not be available until the second business day after the day of your deposit. We The excess over $5,000 will be available by the ninth business day after the day of your deposit. Proceeds of a U.S. Treasury check which are deposited in an account held by the payee will be available on the same business day we receive your deposit even if not deposited in person to one of our associates. Funds from all other check deposits generally notify you of any such hold, will be available as outlined in the reason GENERAL WITHDRAWAL POLICY section. ATM deposit functionality may be limited for the hold, and any steps you or we may need to take to resolve the issue giving rise to the holdtemporary access devices issued for new deposit accounts.

Longer Delays May Apply. CASE BY CASE DELAYS - In some cases, we may delay will not make all the availability of funds that you deposit by check for a longer period under the following circumstances: • We believe a check available to you deposit will not be paid. (The first $500 will not be made available immediately.) • If you deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If Depending on the type of check that you do not make the deposit in person to one of our employees (for exampledeposit, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will funds may not be available until the second business day after the day of your deposit totaling more than $5,525 on any one daydeposit. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day225 of your deposit, the first $5,525 of a day’s total deposits of these checks however, will be available on the second first business day after day. If we are not going to make all of the day of funds from your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh first business day after the day of your deposit. (The first $500 day, we will be made available immediately.) • You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) • You have overdrawn your account repeatedly in the last six (6) months. (The first $500 of your deposit will not be made available immediately.) • There is an emergency, such as failure of communications or computer equipment. (The first $500 of your deposit will not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsement. (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if your ability to withdraw funds is delayed for any of these reasons, and we 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 any this action after you have left the premises, we will mail you a the notice by the next business day after we receive received your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The SAFEGUARD EXCEPTIONS - In addition, funds you deposit by check may be delayed for a longer period under the following circumstances • We believe a check you deposited will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has previously been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • An emergency, such as failure of computer or communications equipment. We will notify you if we delay your availability 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 business day after the day of your deposit. There In some cases, the first $225 of these deposits may not be other circumstances in which holds made available on the first business day after the deposit is received. SPECIAL RULES FOR NEW ACCOUNTS - If you are applied a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, travelers, and Federal, State, and Local Government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. We will generally notify you If your deposits of any such holdthese checks (other than a U.S. Treasury check) are not made in person to one of our employees, the reason for first $5,525 will not be available until the holdsecond business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. In some cases, the first $225 of these deposits may not be made available on the first business day after the deposit is received. DEPOSITS AT AUTOMATED TELLER MACHINES - Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first business day after the day of deposit. Also, the first $225 of a deposit will be available on the first business day after the day of deposit. Checks drawn on SouthEast Bank will be available on the first business day after the day of deposit provided the deposit is made at an ATM located on our premises. INTERNATIONAL ACH TRANSACTIONS (IAT) - IAT Credits may from time to time be temporarily suspended from processing while additional review is being conducted. This review may affect the settlement and/or availability of the funds. 00000 Xxxxxxxx Xxxx Xxxxxxxx, XX 00000 000-000-0000 Revised 1-2020 FACTS WHAT DOES SOUTHEAST BANK DO WITH YOUR PERSONAL INFORMATION? Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and any steps protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you or we may have with us. This information can include: • Social Security number and Income • Account Balances and Payment History • Credit Scores and Credit History All financial companies need to take share customers’ personal information to resolve run their everyday business. In the issue giving rise section below, we list the reasons financial companies can share their customers’ personal information; the reasons SouthEast Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal Does SouthEast Bank information share? Can you limit this sharing? For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No For our affiliates’ everyday business purposes – information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For our nonaffiliates to market to you No We don’t share To limit our sharing • Call toll-free 0-000-000-0000 (0-000-XXXXXXX)- our menu will prompt you through your choice(s) • Visit your local branch • Mail a letter to the holdfollowing address requesting to opt out: SouthEast Bank-Privacy Opt Out 00000 Xxxxxxxx Xxxx Xxxxxxxx, XX 00000 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. Questions? Call toll-free 0-000-000-0000 (0-000-XXXXXXX) or go to xxx.xxxxxxxxxxxxx.xxx Revised 1-2020 Who We Are Who is providing this notice? This notice is provided by SouthEast Bank. What we do How does SouthEast Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does SouthEast Bank collect my personal information? We collect your personal information, for example, when you • Open an account • Apply for a loan • Deposit money • Use your credit or debit card • Pay your billsWe also collect your personal information from others; such as, credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • sharing for affiliates’ everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choice will apply to everyone on your account.

Longer Delays May Apply. In some cases, we may delay UMB will not make all of the availability of funds that you deposit by check for a longer period under available to you on the following circumstances: • We believe a Business Day of your deposit. Depending on the type of check that you deposit will deposit, funds may not be paid. (The first $500 will not be made available immediately.) • If you deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, until up to the first $5,525 of a day’s total deposits of these checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day second Business Day after the day of your deposit. If you do not make the deposit in person to one of our employees (for example, if you mail your deposit or you make your deposit through an ATM)However, the first $5,525 will not be available until the second business day after the day 225 of your deposit totaling more than $5,525 on any one day. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day, the first $5,525 of a day’s total deposits of these checks will be available on the second business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day Business Day of your deposit. (The first $500 will be made If UMB is not going to make all of the funds from your check deposit available immediately.) • You redeposit a check that has been returned unpaid. (The first $500 on the Business Day of your deposit deposit, UMB will not be made available immediately.) • You have overdrawn your account repeatedly in the last six (6) months. (The first $500 of your deposit will not be made available immediately.) • There is an emergency, such as failure of communications or computer equipment. (The first $500 of your deposit will not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsement. (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if your ability to withdraw funds is delayed for any of these reasons, and we deposit. UMB will also tell you when the funds will be available. If we decide your deposit is mailed to take any action after UMB, UMB will provide you have left the premises, we will mail you a notice by the next business Business Day following the day after we receive UMB receives your deposit. If you will need the funds from a deposit right away, you should ask us UMB when the funds will be available. In addition, under the following circumstances, funds you deposit by check may be delayed up to five (5) Business Days in addition to the maximum two-day delay explained above. • UMB believes a check you deposit will not be paid (and in such case, the first $225 of your deposit will not be made available on the first Business Day). • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has been returned unpaid (and in such case, the first $225 of your deposit will not be made available on the first Business Day). • You have overdrawn your Checking Account repeatedly in the last six (6) months (and in such case, the first $225 of your deposit will not be made available on the first Business Day). • There is an emergency, such as failure of computer or communications equipment. UMB will notify you if it delays your ability to withdraw funds for any of these reasons, and it will tell you when the funds will be available. The funds will generally be available no later than the seventh business day (7th) Business Day after the day of your deposit. There may be other circumstances in which holds are applied to your deposit. We will generally notify you of any such hold, the reason for the hold, and any steps you or we may need to take to resolve the issue giving rise to the hold.

Longer Delays May Apply. CASE BY CASE DELAYS - In some cases, we may delay will not make all the availability of funds that you deposit by check for a longer period under the following circumstances: • We believe a check available to you deposit will not be paid. (The first $500 will not be made available immediately.) • If you deposit U.S. Treasury, cashier’s, certified, teller’s, traveler’s and State and local government checks, the first $5,525 of a day’s total deposits of these checks will be available on the first business day after the day of your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh business day after the day of your deposit. If Depending on the type of check that you do not make the deposit in person to one of our employees (for exampledeposit, if you mail your deposit or you make your deposit through an ATM), the first $5,525 will funds may not be available until the second business day after the day of your deposit totaling more than $5,525 on any one daydeposit. (The first $500 will not be available immediately.) • For all other check types (those check types not listed directly above) that total more than $5,525 on any one day225 of your deposit, the first $5,525 of a day’s total deposits of these checks however, will be available on the second first business day after day. If we are not going to make all of the day of funds from your deposit if the checks are payable to you. The excess over $5,525 will be available on or before the seventh first business day after the day of your deposit. (The first $500 day, we will be made available immediately.) • You redeposit a check that has been returned unpaid. (The first $500 of your deposit will not be made available immediately.) • You have overdrawn your account repeatedly in the last six (6) months. (The first $500 of your deposit will not be made available immediately.) • There is an emergency, such as failure of communications or computer equipment. (The first $500 of your deposit will not be made available immediately.) • We believe there may be other problems or deficiencies with the item, such as a missing endorsement. (The first $500 of your deposit will not be made available immediately.) We will generally notify you at the time you make your deposit if your ability to withdraw funds is delayed for any of these reasons, and we 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 any this action after you have left the premises, we will mail you a the notice by the next business day after we receive received your deposit. If you need the funds from a deposit right away, you should ask us when the funds will be available. The SAFEGUARD EXCEPTIONS - In addition, funds you deposit by check may be delayed for a longer period under the following circumstances • We believe a check you deposited will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You redeposit a check that has previously been returned unpaid. • You have overdrawn your account repeatedly in the last six months. • An emergency, such as failure of computer or communications equipment. We will notify you if we delay your availability 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 business day after the day of your deposit. There In some cases, the first $225 of these deposits may not be other circumstances in which holds made available on the first business day after the deposit is received. SPECIAL RULES FOR NEW ACCOUNTS - If you are applied a new customer, the following special rules will apply during the first 30 days your account is open. Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and Federal, State, and Local Government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and may have to use a special deposit slip). The excess over $5,525 will be available on the ninth business day after the day of your deposit. We will generally notify you If your deposits of any such holdthese checks (other than a U.S. Treasury check) are not made in person to one of our employees, the reason for first $5,525 will not be available until the holdsecond business day after the day of your deposit. Funds from all other check deposits will be available on the ninth business day after the day of your deposit. In some cases, the first $225 of these deposits may not be made available on the first business day after the deposit is received. DEPOSITS AT AUTOMATED TELLER MACHINES - Funds from any deposits (cash or checks) made at automated teller machines (ATMs) we own or operate will be available on the second business day after the day of deposit, except that U.S. Treasury checks that are payable to you will be available on the first business day after the day of deposit. Also, the first $225 of a deposit will be available on the first business day after the day of deposit. Checks drawn on SouthEast Bank will be available on the first business day after the day of deposit provided the deposit is made at an ATM located on our premises. 00000 Xxxxxxxx Xxxx Xxxxxxxx, XX 00000 000-000-0000 Revised 1-2020 FACTS WHAT DOES SOUTHEAST BANK DO WITH YOUR PERSONAL INFORMATION? Why? What? How? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and any steps protect your personal information. Please read this notice carefully to understand what we do. The types of personal information we collect and share depend on the product or service you or we may have with us. This information can include: • Social Security number and Income • Account Balances and Payment History • Credit Scores and Credit History All financial companies need to take share customers’ personal information to resolve run their everyday business. In the issue giving rise section below, we list the reasons financial companies can share their customers’ personal information; the reasons SouthEast Bank chooses to share; and whether you can limit this sharing. Reasons we can share your personal Does SouthEast Bank information share? Can you limit this sharing? For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes – to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No For our affiliates’ everyday business purposes – information about your creditworthiness Yes Yes For our affiliates to market to you Yes Yes For our nonaffiliates to market to you No We don’t share To limit our sharing • Call toll-free 0-000-000-0000 (0-000-XXXXXXX)- our menu will prompt you through your choice(s) • Visit your local branch • Mail a letter to the holdfollowing address requesting to opt out: SouthEast Bank-Privacy Opt Out 00000 Xxxxxxxx Xxxx Xxxxxxxx, XX 00000 Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, we continue to share your information as described in this notice. Questions? Call toll-free 0-000-000-0000 (0-000-XXXXXXX) or go to xxx.xxxxxxxxxxxxx.xxx Revised 1-2020 Who We Are Who is providing this notice? This notice is provided by SouthEast Bank. What we do How does SouthEast Bank protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does SouthEast Bank collect my personal information? We collect your personal information, for example, when you • Open an account • Apply for a loan • Deposit money • Use your credit or debit card • Pay your billsWe also collect your personal information from others; such as, credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only • sharing for affiliates’ everyday business purposes - information about your creditworthiness • affiliates from using your information to market to you • sharing for nonaffiliates to market to youState laws and individual companies may give you additional rights to limit sharing. What happens when I limit sharing for an account I hold jointly with someone else? Your choice will apply to everyone on your account.