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 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 5,000.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5, 525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 1st business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following after the day of We receive Your deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 30th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 1st business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th 7th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 7th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th 5th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal If You make a deposit before 2:00 p.m. on the 2nd a business day following that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 2:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day We are open. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You you are a new member, the following special rules will apply during the first 30 days Your your Account is open. Funds from electronic direct deposits to Your your Account will be available on the day We receive effective date of the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of 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 be available on the 1st first business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The excess over $5,525.00 5,000 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our our employees, the first $5,525.00 5,000 will not be available until the 2nd second business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th ninth business day after the day of Your your deposit. ATM DepositsOTHER METHODS OF HOLDS ON FUNDS Holds on Other Funds (Check Cashing): If we cash a check for you that is drawn on another bank, we may withhold the availability of a corresponding amount of funds that are already in your Account. For deposits made Those funds will be available at ATMs owned and operated by the Credit Union, deposits will become time funds from the check we cashed would have been available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machinesif you had deposited it.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 1st first business day after the day of Your deposit We receive the deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, FUNDS AVAILABILITY POLICY DISCLOSURE (continued)‌‌‌‌ the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 5,000.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made Deposits are not accepted at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 5,000.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. FUNDS AVAILABILITY POLICY DISCLOSURE (continued) Funds from deposits of cash, wire transfers, transfers and the first $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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are Funds you deposit by check may be delayed for a longer period if your account is considered a new member, the following special rules will apply during the first account (30 days Your Account or less). An account is opennot 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 electronic direct deposits to Your Account your account will be available on the first business day We we receive the deposit. Funds from deposits the deposit of cash, wire transfers, transfers and the first $5,525.00 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's, traveler's, ’s and federal, state and or local government checks will be available on the 1st first business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposityou. If Your your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our your employees, the first $5,525.00 5,000 will not be available until the 2nd second business day after the day of Your your deposit. Funds from all other check deposits The excess over $5,000 will be available on no later than the 11th ninth business day after the day of Your your deposit. ATM Deposits. For DEPOSITS AT ATM’s – Generally, funds from deposits made at ATMs owned and operated that we own or operate will be available by the Credit Union, deposits will become available for withdrawal on the 2nd second business day following after the date of your deposit. Funds from any deposit made at an ATM that we do not own or operate may not be available until the fifth business day after the day of your deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are I am a new member, the following special rules will apply during the first 30 days Your Account my account is open. Funds from electronic direct deposits to Your Account my account will be available on the day We you receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000.00 of 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 be available on the 1st first 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 $5,525.00 5,000.00 will be available on the 9th ninth business day after the day of Your my deposit. If Your my deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our your employees, the first $5,525.00 will 5,000.00 may not be available until the 2nd second business day after the day of Your my deposit. Funds from all other check deposits will be available on the 11th ninth business day after the day of Your my deposit. ATM DepositsDeposits at Automated Teller Machines (ATMs) Funds from any deposits (cash or checks) made payable at ATMs you own or operate will be available generally on the second business day after the day of my deposit. For Funds from any deposits (cash or checks) made at ATMs owned and operated by the Credit Union, deposits you do not own or operate will become be available for withdrawal on the 2nd fifth business day following after the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of my deposit. All ATMs that We you own or operate are identified as Our your machines. Cash Withdrawal Limitation You place certain limitations on withdrawals in cash. In general, $600.00 of a deposit is immediately available for withdrawal in cash at the time of deposit. Any remaining funds will be available following the timeframes listed above.

Special Rules for New Accounts. If You you are a new member, the following special rules will apply during the first 30 days Your Account your account is open. Funds : • The first $5,000.00 from electronic direct deposits to Your Account a deposit of U.S. Treasury checks will be available on the first business day We receive after the day of your deposit; • The excess over $5,000.00 will be available on the second business day after the day of your deposit. Funds from wire transfers into your account will be available on the first business day after the day we receive the transfer; • Funds from deposits of cash, wire transfers, cash and the first $5,525.00 5,000.00 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 1st first business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The excess over $5,525.00 5,000.00 will be available on the 9th fifth business day after the day of Your your deposit. ; • If Your you do not make the deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employeesa Credit Union employee, the first $5,525.00 5,000.00 will not be available until the 2nd second business day after the day of Your your deposit. ; • Funds from deposits of checks drawn on your Credit Union will be available on the same business day as the day of your deposit; and/or • Funds from all other check deposits will be available on not later than the 11th fifth business day after the day of Your your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, cash and wire transfers, and transfers will be available on the day We receive Your deposit. Funds from the first $5,525.00 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 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 $5,525.00 5,000.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state state, and local government checks will also be available on the 1st business day after the day of We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit Yourdeposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total FUNDS AVAILABILITY POLICY DISCLOSURE (continued) deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will also be available on the 1st business day after the day of We receive Your deposit if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th business 13th calendar day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $5,525.00 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 1st business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 5th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs Automated Teller Machines (ATMs) owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machinesMachines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 5,000.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 30th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $5,525.00 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 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 $5,525.00 5,000.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You you are a new member, the following special rules will apply during the first 30 thirty (30) days Your Account your account is open. : Funds from electronic direct deposits to Your Account your account will be available on the day We we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 5,000 of 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 checks, will be available on the 1st first business day after the day of Your your deposit if the deposit meets certain conditions. For example, the checks must be payable to Youyou. The Any excess funds over $5,525.00 5,000 will be available on the 9th ninth business day after the day of Your your deposit. If Your your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our our employees, the first $5,525.00 5,000 will not be available until the 2nd second business day after the day of Your your deposit. Funds from all other check deposits will be available on the 11th ninth business day after the day of Your your deposit. ATM Deposits6. For Deposits at Non-Proprietary ATMs. Funds from any deposits (cash or check) made at ATMs owned and operated by we do not own or operate will not be available until five (5) business days after the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day date of deposit. For deposits made at This limit does not apply to ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of depositwe own or operate. All ATMs that We we own or operate are identified as Our machines.identified

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 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 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 $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks FUNDS AVAILABILITY POLICY DISCLOSURE (continued) (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 30th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 1st business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd 1st business day following after the day of We receive Your deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $5,525.00 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 1st business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 5,000.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 5,000.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal on the 2nd 1st business day following after the day of We receive Your deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day's total deposits of cashier's, certified, teller's, traveler's, and federal, state and local government checks will be also available on the 1st business day after We receive the day of Your deposit if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 2nd business day following the day of deposit. For deposits made at ATMs not owned and operated by the Credit Union, deposits subject to delayed availability will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.

Special Rules for New Accounts. If You are a new member, the following special rules will apply during the first 30 days Your Account is open. Funds from electronic direct deposits to Your Account will be available on the day We receive the deposit. Funds from deposits of cash, wire transfers, transfers and the first $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 1st same business day after We receive the day of Your deposit deposit, if the deposit meets certain conditions. For example, the checks must be payable to You. The excess over $5,525.00 will be available on the 9th business day after the day of Your deposit. If Your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of Our employees, the first $5,525.00 will not be available until the 2nd business day after the day of Your deposit. Funds from all other check deposits will be available on the 11th 9th business day after the day of Your deposit. ATM Deposits. For deposits made at ATMs owned and operated by the Credit Union, deposits will become available for withdrawal based on the 2nd business day following the day of depositavailability schedule described above. For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5th business day following the day of deposit. All ATMs that We own or operate are identified as Our machines.