Common use of Special Rules for New Accounts Clause in Contracts

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • Funds from in person deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of 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. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If your deposit of checks noted above (other than a U.S. Treasury check), is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than the tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 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 youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on no later than the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will normally be available no later than on the tenth eleventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: . • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • Funds from in person electronic direct deposits of to your account, cash and electronic deposits (ACH) to your account wire transfers will be available on the business day we receive the deposit. • Funds from originated ACH deposits of wire transfers and may be subject to extended holds. Funds from 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. The excess over $5,525 will be available on the ninth seventh business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits checks will be available no later than on the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first thirty (30) 30 days your account Your Account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your Your account will be available on the day we We receive the deposit. • Funds from deposits of cash and wire transfers and will be available on the first $5,525 of business day We receive Your deposit. Funds from a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state state, and local government checks will also be available on the first business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou and the deposit must be made in person to one of Our employees. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If your Your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our Our employees, the first $5,525 funds will not be available until the second 1st business day after the day of your Your deposit. • Funds The first $225.00 from all a deposit of other check deposits checks will be available no later than on the tenth business day We receive Your deposit. The remaining funds will be available on the 5th business day after the day of your Your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are establish a new memberaccount or new membership (assuming you have no other transactional checking account with OCCU), the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) 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, ’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 The check(s) must be payable to you. The excess over of $5,525 will be available on for withdrawal not later than the ninth business day after following the banking day of your depositon which the funds are deposited. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth seventh business day after the day of your deposit. If you have an already established membership or account with us, unless other exceptions listed in the “Longer Delays May Apply” section above also applysubsequent accounts may not be subject to special rules.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers and transfers, and, if made available, the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state and local government checks will be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employeesassociates, the first $5,525 will 5,000 may not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may not be available no later than until the tenth second business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 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 (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth eleventh (11th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty ninety (3090) days your account is open: • Funds •Funds from in person deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds •Funds from deposits of wire transfers and the first $5,525 5,000 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. The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If •If your deposit of checks noted above (other than a U.S. Treasury check), is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds •Funds from all other check deposits will be available no later than the tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) 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 5,000 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 youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than the tenth fifteenth (15th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your account my Account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your my account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your my deposit. • If your my deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our your employees, the first $5,525 5,000.00 will not be available until the second business day after the day of your my deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your my deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your my account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,525.00 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 (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 will 5,525.00 may not be available on until the ninth (9th) business day after the day of your my deposit. • If your my deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our your employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will may not be available no later than until the tenth thirtieth (30th) business day after the day of your my deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 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 next business day after the day of your the deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth tenth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second third business day after you make the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth business day after the day of your deposit, unless other exceptions listed in . Xxxxxx-Xxxxx City Federal Credit Union reserves the “Longer Delays May Apply” section above also applyright to hold any check it receives within the first thirty (30) days of opening your account.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first thirty (30) 30 days your account is open: • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the depositdeposits. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of treasurer’s, cashier’s, teller’s, certified, teller’s, traveler’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 youdeposit. The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth business day after the day of we receive your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your transaction account is open: • . Funds from cash deposited in person deposits of cash with an employee or at an ATM, electronic direct deposits, and electronic deposits (ACH) wire transfers to your account will be available on the day we receive the deposit. • Funds from deposits of wire transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth seventh business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth seventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of drawn on us, wire transfers transfers, and the first $5,525 5,000 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 made payable to youyou (and you may be required to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth 9th business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.. SUBSTITUTE CHECKS AND YOUR RIGHTS

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of drawn on us, wire transfers 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 made payable to youyou (and you may be required 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. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth 9th business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.. SUBSTITUTE CHECKS AND YOUR RIGHTS

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state 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 deposit must be made in person to one of our employees and the check must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 funds will not generally be available until on the second fifth business day after the day of your deposit. • Funds from all other check deposits will generally be available no later than on the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • Funds from in person deposits of cash and electronic deposits (ACH) direct deposit to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks checks, as well as U.S. Postal Service Money Orders, will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For exampleconditions (e.g., the checks must be payable to you). The excess over $5,525 5,000.00 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are open a new memberaccount, the following special rules will apply during the first thirty (30) days your account is open: • open unless every owner on the new account has been a member/customer of the Credit Union for at least 30 days. Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on by the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than by the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following follow ing special rules will may apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will w ill be available on the day we receive the deposit. • Funds from deposits of wire transfers cash, w ire transfers, and the first $5,525 5,000 of a day’s ' s total deposits of cashier’s' s, certified, teller’s's, traveler’s' s, and federal, state and local government checks will w ill be available on the first business same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 will 5,000 may be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will 5,000 w ill not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may generally be available no later than on the tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state 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 youyou (and you may have to use a special deposit slip). The excess over $5,525 5000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than the tenth eleventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account Account is openopened: • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. • The excess over $5,525 will be available on the ninth seventh (7th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit.‌‌‌‌ • Funds from all other check deposits will be available on the thirtieth (30th) business day after the day of your deposit. • Funds from all other check deposits will be available no later than the tenth business day after the day of your deposit, unless other exceptions listed Other limitations may apply as set forth in the “Longer Delays May Apply” section above also applythis Agreement.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: . • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 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 deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. • The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. The delay for other deposits is determined as follows: • Funds from all other check deposits will Checks may be available no later than the tenth held for a maximum of seven business day days after the day of your deposit, unless other exceptions listed in . • The first $200 of the “Longer Delays May Apply” section above also apply.deposit may be available for withdrawal immediately. TRANSACTIONS

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) calendar days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the depositde- posit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits de- posits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit de- posit meets certain conditions. For example, the checks must be payable to you. The excess ex- cess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth seventh (7th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: . • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers 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 generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, conditions (the checks must be payable to you). The excess over $5,525 will be available on the ninth second (2nd) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your my account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,525.00 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 (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your my deposit. • If your my deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our your employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your my deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5000.00 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth (10th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your account my Account is open: • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your my account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 will be available on the ninth (9th) business day after the day of your my deposit. • If your my deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our your employees, the first $5,525 will not be available until the second business day after the day of your my deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your my deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • Funds from in person deposits of cash and cash, wire transfers, electronic direct deposits (ACH) and checks drawn on Evergreen Credit Union and payable to your account the member (assuming sufficient available funds), will be available on the day we receive the deposit. • Funds from deposits of wire transfers and the first $5,525 5,000 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 next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than by the tenth seventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: . • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers 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 generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth fifteenth (15th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available added to the Available Balance on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state and local government checks will may be available added to the Available Balance 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. The excess over $5,525 5,000 will be available on added to the Available Balance no later than the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will 5,000 may not be available added to the Available Balance until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than added to the tenth Available Balance by the seventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first frst thirty (30) days your account is open: . • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first frst $5,525 5,000 of a day’s total deposits of cashier’s, certifiedcertifed, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first frst (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first frst $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account Account is open: • . Funds from in person deposits of cash and electronic direct deposits (ACH) to your account Account will be available on the day we receive the deposit. • Funds from deposits of wire transfers and the first $5,525 5,000.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government gov- ernment 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 youyou (and you may have to use a spe- cial deposit slip). The excess over $5,525 5,000.00 will be available on the ninth seventh business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), Check) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth seventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: . • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, conditions (the checks must be payable to you). The excess over $5,525 5,000 will be available on the ninth second (2nd) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • Funds from in person deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of wire transfers and the first $5,525 5,000 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. The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of checks noted above (other than a U.S. Treasury check), is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposityourdeposit. • Funds from all other check deposits will be available no later than the tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, postal money orders, and federal, state state, and local government checks will be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth seventh (7th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth seventh (7th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,525.00 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 (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) 30 days your account Account is open: • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’stravelers, 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 youyou (and you may have to use a special deposit slip). The excess over $5,525 will be available on the ninth seventh business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth seventh business day after the day of your deposit. Substitute Checks and Your Rights As our client, unless other exceptions listed in the “Longer Delays May Apply” section above also applywe think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000.00 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 (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth eleventh (11th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your my account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000.00 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 (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your my deposit. • If your my deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our your employees, the first $5,525 5,000.00 will not be available until the second business day after the day of your my deposit. • Funds from all other check deposits will to new accounts may not be available no later than until the tenth eleventh (11th) business day after the day of your my deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, or have just opened a checking account, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to into your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’stravelers, 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 youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth eighth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are I am a new member, the following special rules will apply during the first thirty (30) days your my account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your my account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000.00 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 (1st) business day after the day of your my deposit if the deposit meets certain conditions. For example, the checks must be payable to youme. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your my deposit. • If your my deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our your employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your my deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your my deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government gov- ernment checks will be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to into your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federalFederal, state and local government checks will be available on the first business day after the day of receipt of your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of receipt of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of receipt of your deposit. • Funds from all other check deposits will be available no later than on the tenth fifteenth business day after the day of receipt of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply. The Policy on Funds Availability is subject to changes mandated by governmental and regulatory agencies.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state 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. The excess over $5,525 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) calendar days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state 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 youyou and deposited in person by one of our employees. The excess over $5,525 will be available on by the ninth fifth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to by one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than by the tenth fifth business day after the day of your deposit. However, unless we may place longer holds on certain items for other exceptions listed in the “reasons, such as large deposits (see Longer Delays May Apply” section above also applyApply above).

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first thirty (30) days your account Account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account Account will be available on the day we We receive the deposit. • Funds from deposits of cash, wire transfers and the first $5,525 5,525.00 of a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’stravelers, and federal, state and local government checks will be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou. The excess over $5,525 5,525.00 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one (1) of our Our employees, the first $5,525 5,525.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will may apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s’s checks, certifiedcertified checks, teller’s’s checks, traveler’s’s checks, 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. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth eleventh (11th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, member or accountholder(s) the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 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 youyou (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth fifth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account Account is open: • – Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account Account will be available on the day we receive Bank receives the deposit. • – Funds from deposits of cash, wire transfers transfer, and the first five thousand five hundred and twenty-five dollars ($5,525 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 youyou (and you 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. • – If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • – Funds from deposits of checks drawn on Bank will be available on the first business day after the day of your deposit. Funds from all other check deposits will be available no later than the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account Account is open: • - Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account Account will be available on the day we receive the deposit. • - Funds from deposits of cash, wire transfers transfer, and the first five thousand dollars ($5,525 5,000) 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. - The excess over $5,525 of five thousand dollars ($ 5,000 ) will be available on the ninth business day after the day of your deposit. • - If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first five thousand dollars ($5,525 5,000) will not be available until the second business day after the day of your deposit. • - Funds from all other check deposits of checks drawn on Bank will be available no later than on the tenth first business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your transaction account is open: • . Funds from cash deposited in person deposits of cash with an employee or at an ATM, electronic direct deposits, and electronic deposits (ACH) wire transfers to your account will be available on the day we receive the deposit. • Funds from deposits of wire transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth seventh business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits and ACH deposits that we initiate on your behalf to open an account will be available no later than on the tenth seventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you You are a new member, the following special rules will apply during the first thirty (30) 30 days your account Your Account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your Your account will be available on the day we We receive the he deposit. • Funds from deposits of cash and wire transfers and will be available on the first $5,525 of business day We receive Your deposit. Funds from a day’s 's total deposits of cashier’s's, certified, teller’s's, traveler’s's, and federal, state state, and local government checks will also be available on the first business day after the day of your We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to youYou and the deposit must be made in person to one of Our employees. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If your Your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our Our employees, the first $5,525 funds will not be available until the second 1st business day after the day of your Your deposit. • Funds The first $225.00 from all a deposit of other check deposits checks will be available no later than on the tenth business day We receive Your deposit. The remaining funds will be available on the 5th business day after the day of your Your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • Funds from in person deposits of cash and electronic deposits (ACH) direct deposit to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,000 ($5,525 as of July 1, 2020) of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks checks, as well as US Postal Service Money Orders, will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For exampleconditions (e.g., the checks must be payable to you). The excess over $5,000 ($5,525 as of July 1, 2020) will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. US Treasury check), ) is not made in person to one of our employees, the first $5,000 ($5,525 as of July 1, 2020) will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will may apply during the first thirty (30) 30 days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 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. The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits checks will generally be available no later than on the tenth eleventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are I am a new member, I understand that the following special rules will apply during the first thirty (30) 30 days your account my Account is open: • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account my Account will be available on the day we you receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federalFederal, state State and local government checks will be available on by the first business day after the day of your my deposit if the deposit meets certain conditions. (For example, the checks must be payable to you. me.) • The excess over $5,525 5,525.00 will be available on the ninth business day after the day of your my deposit. • If your my deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our your employees, the first $5,525 will 5,525.00 may not be available until the second business day after the day of your my deposit. • Funds from all other check deposits will be available no later than the tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty ninety (3090) days your account is open: • Funds •Funds from in person deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds •Funds from deposits of 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. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If •If your deposit of checks noted above (other than a U.S. Treasury check), is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds •Funds from all other check deposits will be available no later than the tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is openopened: • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. deposit.‌‌‌ • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. • The excess over $5,525 5,000 will be available on the ninth seventh (7th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000.00 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 (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000.00 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000.00 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth thirtieth (30th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 calendar days your account Account is open: • . Funds from in person electronic direct deposits, incoming wire transfers, and cash deposits of cash and electronic deposits (ACH) to your account made with an employee at a Store location or at a Credit Union owned ATMs/ITMs will be available on the same business day that we receive received the deposit. • Funds from deposits of wire transfers and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, ’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 check must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will generally be available no later than the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: . • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state and local government govern- ment checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available avail- able on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your transaction account is open: • . Funds from cash deposited in person deposits of cash with an employee or at an ATM, electronic direct deposits, and electronic deposits (ACH) wire transfers to your account will be available on the day we receive the deposit. • Funds from deposits of wire transfers and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on the ninth seventh business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits and ACH deposits that we initiate on your behalf to open an account will be available no later than on the tenth seventh business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are open a new memberaccount, the following special rules will apply during the first thirty (30) days your account is open: • open unless every owner on the new account has been a member/customer of the Credit Union for at least 30 days. Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on by the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than by the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 days your account is open: • . Funds Availability Policy Disclosure Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,525.00 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,525.00 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,525.00 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • Funds •Funds from in person deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds •Funds from deposits of wire transfers and the first $5,525 5,000 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. The excess over $5,525 5,000 will be available on the ninth business day after the day of your deposit. • If •If your deposit of checks noted above (other than a U.S. Treasury check), is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds •Funds from all other check deposits will be available no later than the tenth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If Funds you are deposit by check may be delayed for a new member, the following special rules will apply during the first thirty (30) days longer period if your account is open: • considered a new account (30 days or less). An account is not considered a new account if you have another account at the Credit Union, which has been open for at least 30 calendar days. Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the first business day we receive the deposit. • Funds from deposits the deposit of cash, wire transfers and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, ’s and federal, state and or 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. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits The excess over $5,000 will be available no later than the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new membercustomer, the following special rules will apply during the first thirty (30) days your account Account is open: • Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account Account will be available on the day we receive Bank receives the deposit. • Funds from deposits of cash, wire transfers transfer, and the first five thousand five hundred and twenty-five dollars ($5,525 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 youyou (and you 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. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from deposits of checks drawn on Bank will be available on the first business day after the day of your deposit. Funds from all other check deposits will be available no later than the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, and federal, state State, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth fifth (5th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), Check) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth fifth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) days your account is open: • . Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 5,000 of a day’s total deposits of cashier’s, certified, teller’s's, traveler’s's, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 5,000 will be available on the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than on the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are open a new memberaccount, the following special rules will apply during the first thirty (30) days your account is open: • open unless every owner on the new account has been a member/customer of the Credit Union for at least 30 days. Funds from in person electronic direct deposits of cash and electronic deposits (ACH) to your account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers transfers, and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’stravelers, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,525 will be available on by the ninth (9th) business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available no later than by the tenth ninth (9th) business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.

Special Rules for New Accounts. If you are a new member, the following special rules will apply during the first thirty (30) 30 calendar days your account Account is open: • . Funds from in person electronic direct deposits, incoming wire transfers, and cash deposits of cash and electronic deposits (ACH) to your account made with an employee at a branch location or at a Credit Union owned ATMs/ITMs will be available on the same business day that we receive received the deposit. • Funds from deposits of wire transfers and the first $5,525 of a day’s total deposits of cashier’s, certified, teller’s, traveler’s, ’s and federal, state 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 check must be payable to you. The excess over $5,525 will be available on the ninth business day after the day of your deposit. • If your deposit of these checks noted above (other than a U.S. Treasury check), ) is not made in person to one of our employees, the first $5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will generally be available no later than the tenth ninth business day after the day of your deposit, unless other exceptions listed in the “Longer Delays May Apply” section above also apply.