Common use of Funds Availability Clause in Contracts

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit Service; deposits made at a branch location remain subject to the funds availability policy outlined in the most current version of Customer’s applicable deposit account agreement. The Bank is not liable for transactions Customer initiates before the funds are available for Customer’s use. Until Customer receives confirmation that the funds are made available, Customer may not withdraw the funds in cash and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are available 24/7/365, but the funds availability of the approved deposit is subject to the following processing cut-off times: (i) Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day – generally, the total daily deposits will be available on the same day. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture On-Site Teller Service or Mobile Banking Deposit Service; deposits made at a branch location remain subject to the funds availability policy outlined in the most current version of Customer’s applicable deposit account agreement. The Bank is not liable for transactions Customer initiates before the funds are available for Customer’s use. Until Customer receives confirmation that the funds are made available, Customer may not withdraw the funds in cash and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture On-Site Teller Service and the Mobile Banking Deposit Service are available 24/7/365, but the funds availability of the approved deposit is subject to the following processing cut-off times: (i) Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day – generally, the total daily deposits will be available on the same day. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit Service; deposits made at a branch location remain subject Funds from deposited items will be available according to the funds availability policy outlined in the most current version of Customer’s applicable deposit account agreementCredit Union's Funds Availability Policy previously provided to you, as amended from time to time, which is incorporated herein by reference. The Bank is not liable for transactions Customer initiates before the funds are available for Customer’s use. Until Customer receives confirmation Member agrees that the funds are made availableimaging and transmitting of checks does not constitute receipt by the Credit Union. For purposes of determining availability of funds, Customer may not withdraw the funds in cash checks successfully scanned and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture Service and transmitted via the Mobile Banking Deposit Service are available 24/7/365, but the funds availability of the approved deposit is subject to the following processing cut-off times: service by 2:00 p.m. Pacific Time (iPT) Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day – generally, the total daily deposits will be available on the same day. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which that we are open will be considered received by the recorded Credit Union on the first business day following the day of the deposit. GenerallyAcknowledgment of receipt or delivery does not constitute an acknowledgment by the Credit Union that the transmission of a check or items does not contain errors. Checks successfully scanned and transmitted via the Services after 2:00 p.m. PT, or on a day that we are not open, will be considered received by the Bank will make the total daily deposits available Credit Union on the next available business dayday we are open Prior to photographing the check, you must add: “For Mobile Deposit Only At Valley First Credit Union;” your Credit Union account number; and your signature endorsement to the back of the check, or as otherwise instructed by the Credit Union. In certain circumstancesYou agree to follow any and all other procedures and instructions for use of the Services as Valley First Credit Union may establish from time to time. You must provide the Credit Union a complete, legible and accurate image of the front of the check showing the name of the drawer/payor and signature(s), the paying bank’s pre-printed information, MICR encoded information, the name of the payee and the payment amount information. You must also provide the Credit Union a complete, legible and accurate image of the back of the check showing your signature endorsement. You agree to scan and deposit only “checks,” which includes a negotiable demand draft drawn on or payable through or at an office of a bank; a negotiable demand draft drawn on a Federal Reserve Bank or a Federal Home Loan Bank, the Treasury of the United States, a state government or unit of general local government that is not payable through or at a bank; a U.S.P.S. money order; or a traveler’s check drawn on or payable through or at a bank. When the image of the check transmitted to Valley First Credit Union is converted to an Image Replacement Document for subsequent presentment and collection, it shall thereafter be deemed an “item” within the meaning of, and at the Bank’s discretionsubject to, the balance Divisions 3 and 4 of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the depositCalifornia Commercial Code.

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit mRDC Service; deposits made at a branch location remain subject to the funds availability policy outlined in the most current version of Customer’s your applicable deposit account agreement. The Bank is not liable for transactions Customer initiates you initiate before the funds are available for Customer’s your use. Until Customer receives you receive confirmation that the funds are made available, Customer you may not withdraw the funds in cash and the Bank may not use the funds to pay items that Customer has you have written or honor other withdrawals Customer requestsyou request. If the Bank pays items that Customer has you have written or honors other withdrawals before funds are available to Customeryou, the Bank may charge a fee for this. The Remote Deposit Capture mRDC Service and the Mobile Banking Deposit Service are is available 24/7/365, but the funds availability of the approved deposit is subject to the following processing cut-off times: (i) Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 24 on a business day – generally, the total daily deposits will be available on the same day. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 24 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits you deposit will not be paid; (ii) Customer deposits you deposit checks totaling more than $5,000 on any one day; (iii) Customer has you have overdrawn its your account repeatedly in the past six months; or (iv) there is an emergency, such as the failure of computer or communications equipment. The Bank will notify Customer you if it delays Customer’s your ability to withdraw funds for any of these reasons, and the Bank will tell the Customer you when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s your deposit. Even after the item has “cleared” and the Bank has made funds available to Customeryou, and Customer has you have withdrawn the funds, Customer is you are still responsible for items Customer deposits you deposit that are returned to the Bank unpaid and for any other problems involving the deposit.

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit Service; deposits mobile check deposit. Deposits made at a branch location remain subject to the funds availability policy outlined in the most current version of Customer’s the applicable deposit account agreement. The Bank is We are not liable for transactions Customer initiates you initiate before the funds are available for Customer’s your use. Until Customer receives you receive confirmation that the funds are made available, Customer you may not withdraw the funds in cash cash, and the Bank we may not use the funds to pay items that Customer has you have written or honor other withdrawals Customer requestsyou request. If the Bank pays items that Customer has we pay items, you have written or honors honor other withdrawals before funds are available to Customeryou, the Bank we may charge a fee for thisfee. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are check deposit is available 24/7/365, but the funds availability of the approved accepted deposit is subject to the following processing cut-off cutoff times: (i) : • Deposits submitted and deemed received accepted before the Mobile Banking Deposit Cut-Off set forth in Section 19 4:00 pm Central Time on a business day – generallyBusiness Day: Generally, the first $225 of your total daily deposits will be available immediately andthe balance of your total daily deposits will be available on the same day. (ii) next Business Day. • Deposits submitted and deemed received accepted after the Mobile Banking Deposit Cut-Off set forth in Section 19 4:00 pm Central Time on a business day Business Day (or items deposited on a non-business day) – these Business Day): These deposits will not be processed until the next available business dayBusiness Day, which will be considered the recorded day of the your deposit. Generally, the Bank we will make the first $225 of your total daily deposits available on the recorded day of your deposit with the balance of your total daily deposits available on the next available business dayBusiness Day. In certain circumstances, and at the Bank’s our discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes • We believe a check Customer deposits you deposit with us will not be paid; (ii) Customer deposits paid by the issuer. • You deposit checks totaling more than $5,000 5,525 on any one day; (iii) Customer has , or otherwise exceed your deposit limit. • You have overdrawn its your account repeatedly in the past six months; or (iv) there last sixmonths. • There is an emergency, such as the failure of computer or communications equipmentcommunicationsequipment. The Bank We will notify Customer you if it delays Customer’s we delay your ability to withdraw funds for any of these reasons, and the Bank we will tell the Customer you when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day Business Day after the recorded day of Customer’s your deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still You are responsible for the items Customer deposits you deposit that are returned to the Bank us unpaid and for any other problems involving your deposit even after the deposititem has “cleared”, we have made funds available to you, and we have withdrawn the funds. If a check is returned to us for any reason, you agree we may charge your account for any and all fees associated with the return item.

Funds Availability. This policy only applies The availability of your deposit varies depending on the type of deposit and is explained below. If you make a deposit before the close of business on a Business Day, we will consider that day to deposits be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made using on the Remote Deposit Capture Service next Business Day. Availability or Mobile Banking Deposit Service; deposits made at a branch location remain subject use of funds deposited to the funds availability policy outlined Account may be delayed or denied in the most current version event of Customer’s applicable deposit account agreementtechnology malfunctions, or pursuant to our compliance with or discharge of legal or regulatory responsibilities, or as otherwise provided in this Agreement. The Bank is not liable for transactions Customer initiates before We may accept, pay, certify, or charge Items to your Account in the funds are available for Customer’s useorder we choose. Until Customer receives confirmation that Even if we provisionally post Items to your Account during the funds are made availableday, Customer we may not withdraw treat them as if we received all of them at the funds in cash and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are available 24/7/365, but the funds availability end of the approved deposit is subject day. We do not necessarily process transactions with regard to the following processing cut-off times:fees that you may incur for insufficient balances. (i) Generally, your deposits and withdrawals are processed as follows: (1) Unless manual review is needed, Direct Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day – generally, the total daily deposits will be available any other ACH credits are added to your Available Balance on the same daysettlement date in the applicable ACH file or at the time we receive pending deposits that are immediately available for your use. ACH debits are deducted from your Available Balance in the order of lowest to highest dollar amount if multiple ACH debits are present in a single ACH file that we process. (2) Transactions received real-time (or near real-time) during the day are processed as they occur. Debit transactions received during the day are debited from your Account as they occur if there is a sufficient Available Balance in the Account to pay them (for example, ATM and other Card transactions). Please note: Your Available Balance may not reflect every transaction you have initiated or previously authorized (e.g., preauthorized debit transaction holds that are later released). (3) Fees for services we provide that have not already been debited from your Account are deducted from your Available Balance. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily your deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such are processed as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.follows:

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit Servicemobile check deposit; deposits made at a branch location remain subject to the funds availability policy outlined in the most current version of Customer’s the applicable deposit account agreement. The Bank is We are not liable for transactions Customer initiates you initiate before the funds are available for Customer’s your use. Until Customer receives you receive confirmation that the funds are made available, Customer you may not withdraw the funds in cash cash, and the Bank we may not use the funds to pay items that Customer has you have written or honor other withdrawals Customer requestsyou request. If the Bank pays we pay items that Customer has you have written or honors honor other withdrawals before funds are available to Customeryou, the Bank we may charge a fee for this. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are check deposit is available 24/7/365, but the funds availability of the approved accepted deposit is subject to the following processing cut-off cutoff times: (i) : • Deposits submitted and deemed received accepted before the Mobile Banking Deposit Cut-Off set forth in Section 19 4:00 pm Central Time on a business day – generallyBusiness Day: Generally, the first $225 of your total daily deposits will be available immediately and the balance ofyour total daily deposits will be available on the same day. (ii) next Business Day. • Deposits submitted and deemed received accepted after the Mobile Banking Deposit Cut-Off set forth in Section 19 4:00 pm Central Time on a business day Business Day (or items deposited on a non-business day) – these Business Day): These deposits will not be processed until the next available business dayBusiness Day, which will be considered the recorded day of the your deposit. Generally, the Bank we will make the first $225 of your total daily deposits available on the recorded day of your deposit with the balance of your total daily deposits available on the next available business dayBusiness Day. In certain circumstances, and at the Bank’s our discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes • We believe a check Customer deposits you deposit with us will not be paid; (ii) Customer deposits paid by the issuer. • You deposit checks totaling more than $5,000 5,525 on any one day; (iii) Customer has , or otherwise exceed your deposit limit. • You have overdrawn its your account repeatedly in the past last six months; or (iv) there . • There is an emergency, such as the failure of computer or communications equipment. The Bank We will notify Customer you if it delays Customer’s we delay your ability to withdraw funds for any of these reasons, and the Bank we will tell the Customer you when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day Business Day after the recorded day of Customer’s your deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still You are responsible for the items Customer deposits you deposit that are returned to the Bank us unpaid and for any other problems involving your deposit even after the deposititem has “cleared”, we have made funds available to you, and we have withdrawn the funds. If a check is returned to us for any reason, you agree that we may charge your account for any and all fees associated with the return item.

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit ServiceDeposit; deposits made at a branch location or ATM remain subject to the funds availability policy outlined in the most current version of Customer’s applicable your deposit account agreement. The Bank is We are not liable for transactions Customer initiates you initiate before the funds are available for Customer’s your use. Until Customer receives you receive confirmation that the funds are made available, Customer you may not withdraw the funds in cash and the Bank we may not use the funds to pay items that Customer has you have written or honor other withdrawals Customer requestsyou request. If the Bank pays we pay items that Customer has you have written or honors honor other withdrawals before funds are available to Customeryou, the Bank we may charge a fee for this. The Remote Deposit Capture Service and is generally available 24 hours every day of the Mobile Banking Deposit Service are available 24/7/365year, but the funds availability of for the approved deposit is will be subject to the following processing cut-off times: (i) : • Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 approved by 4:00 p.m. Central Standard Time on a business day Business Day – generally, the first $200 of your total daily deposits will be available immediately and the balance of your total daily deposits will be available on the same day. (ii) next available Business Day. • Deposits submitted and deemed received approved after the Mobile Banking Deposit Cut-Off set forth in Section 19 4:00 p.m. Central Standard Time on a business day Business Day (or items deposited on a non-business daynon -Business Day) – these deposits will not be processed until the next available business dayBusiness Day, which will be considered the recorded day of the your deposit. Generally, the Bank we will make the first $200 of your total daily deposits available on the recorded day of deposit with the balance of your total daily deposits available on the next available business dayBusiness Day. In certain circumstances, and at the Bank’s our discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes • We believe a check Customer deposits you deposit will not be paid; (ii) Customer deposits • You deposited checks totaling total more than $5,000 on any one day; (iii) Customer has • You have overdrawn its your account repeatedly in the past last six months; or (iv) there • There is an emergency, such as the failure of computer or communications equipment. The Bank We will attempt to notify Customer you if it delays Customer’s we delay your ability to withdraw funds for any of these reasons, and the Bank will tell the Customer notify you when the funds will may be available. In generalGenerally, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s your deposit. Even Please remember that even after the item has “cleared,” and the Bank has funds have been made funds available to Customeryou, and Customer has you have withdrawn the funds, Customer is you are still nevertheless responsible for items Customer deposits you deposit that are returned to the Bank us unpaid and for any other problems involving the your deposit.

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit Servicemobile check deposit; deposits made at a branch location or ATM remain subject to the funds availability policy outlined in the most current version of Customer’s the applicable deposit account agreement. The Bank is We are not liable for transactions Customer initiates you initiate before the funds are available for Customer’s your use. Until Customer receives you receive confirmation that the funds are made available, Customer you may not withdraw the funds in cash and the Bank we may not use the funds to pay items that Customer has you have written or honor other withdrawals Customer requestsyou request. If the Bank pays we pay items that Customer has you have written or honors honor other withdrawals before funds are available to Customeryou, the Bank you may charge incur a fee for thisif you overdraw your account. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are check deposit is available 24/7/365, but the funds availability of the approved accepted deposit is subject to the following processing cut-off cutoff times: (i) : • Deposits submitted and deemed received accepted before the Mobile Banking Deposit Cut-Off set forth in Section 19 9 p.m. Central Time on a business day – generallyBusiness Day: Generally, the first $225 of your total daily deposits will be available immediately and the balance of your total daily deposits will be available on the same day. (ii) next Business Day. • Deposits submitted and deemed received accepted after the Mobile Banking Deposit Cut-Off set forth in Section 19 9 p.m. Central Time on a business day Business Day (or items deposited on a non-business day) – these non- Business Day): These deposits will not be processed until the next available business dayBusiness Day, which will be considered the recorded day of the your deposit. Generally, the Bank we will make the first $225 of your total daily deposits available on the recorded day of deposit with the balance of your total daily deposits available on the next available business dayBusiness Day. In certain circumstances, and at the Bank’s our discretion, the balance your entire deposit (or a portion of the deposit your deposit) may be delayed for a longer period under any of the following circumstances: (i) the Bank believes • We believe a check Customer deposits you deposit with us will not be paid; (ii) Customer deposits . • You deposit checks totaling more than $5,000 5,525 on any one day; (iii) Customer has , or otherwise exceed your deposit limit. • You have overdrawn its your account repeatedly in the past last six months; or (iv) there . • There is an emergency, such as the failure of computer or communications equipment. The Bank We will notify Customer you if it delays Customer’s we delay your ability to withdraw funds for any of these reasonsfunds, and the Bank we will tell the Customer you when the funds will be available. In generalmost cases, funds delayed for the above reasons will be available no later than the seventh business day within one to seven Business Days after the recorded day of Customer’s your deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still You are responsible for the items Customer deposits you deposit that are returned to the Bank us unpaid and for any other problems involving your deposit even after the deposititem has “cleared,” we have made funds available to you, and you have withdrawn the funds. If a check is returned to us for any reason, you agree that we may charge your account for any and all fees associated with the returned item. To mitigate the risk of fraud or the presentment of duplicate items, you agree to clearly ▇▇▇▇ on the original paper check that the item has been deposited electronically. Do so after you receive confirmation that the deposit was received and accepted for processing by U.S. Bank.

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit mRDC Service; deposits made at a branch location remain subject to the funds availability policy outlined in the most current version of Customer’s your applicable deposit account agreement. The Bank is not liable for transactions Customer initiates you initiate before the funds are available for Customer’s your use. Until Customer receives you receive confirmation that the funds are made available, Customer you may not withdraw the funds in cash and the Bank may not use the funds to pay items that Customer has you have written or honor other withdrawals Customer requestsyou request. If the Bank pays items that Customer has you have written or honors other withdrawals before funds are available to Customeryou, the Bank may charge a fee for this. The Remote Deposit Capture mRDC Service and the Mobile Banking Deposit Service are is available 24/7/365, but the funds availability of the approved deposit is subject to the following processing cut-off times: (i) Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 24 on a business day – generally, the total daily deposits will be available on the same day. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 24 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits you deposit will not be paid; (ii) Customer deposits you deposit checks totaling more than $5,000 on any one day; (iii) Customer has you have overdrawn its your account repeatedly in the past six months; or (iv) there is an emergency, such as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.or

Funds Availability. This policy only applies The availability of your deposit varies depending on the type of deposit and is explained below. If you make a deposit before the close of business on a Business Day, we will consider that day to deposits be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made using on the Remote Deposit Capture Service next Business Day. Availability or Mobile Banking Deposit Service; deposits made at a branch location remain subject use of funds deposited to the funds availability policy outlined Account may be delayed or denied in the most current version event of Customer’s applicable deposit account agreementtechnology malfunctions, or pursuant to our compliance with or discharge of legal or regulatory responsibilities, or as otherwise provided in this Agreement. The Bank is not liable for transactions Customer initiates before We may accept, pay, certify, or charge Items to your Account in the funds are available for Customer’s useorder we choose. Until Customer receives confirmation that Even if we provisionally post Items to your Account during the funds are made availableday, Customer we may not withdraw treat them as if we received all of them at the funds in cash and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are available 24/7/365, but the funds availability end of the approved deposit is subject day. We do not necessarily process transactions with regard to the following processing cut-off times:fees that you may incur for insufficient balances. (i) Generally, your deposits and withdrawals are processed as follows: (1) Unless manual review is needed, Direct Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day – generally, the total daily deposits will be available any other ACH credits are added to your Available Balance on the same daysettlement date in the applicable ACH file or at the time we receive pending deposits that are immediately available for your use. ACH debits are deducted from your Available Balance in the order of lowest to highest dollar amount if multiple ACH debits are present in a single ACH file that we process. (2) Transactions received real-time (or near real-time) during the day are processed as they occur. Debit transactions received during the day are debited from your Account as they occur if there is a sufficient Available Balance in the Account to pay them (for example, ATM and other Card transactions). Please note: Your Available Balance may not reflect every transaction you have initiated or previously authorized (e.g., pre- authorized debit transaction holds that are later released) (3) Fees for services we provide that have not already been debited from your Account are deducted from your Available Balance. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily your deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such are processed as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.follows:

Funds Availability. This policy only applies The availability of your deposit varies depending on the type of deposit and is explained below. If you make a deposit before the close of business on a Business Day, we will consider that day to deposits be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made using on the Remote Deposit Capture Service next Business Day. Availability or Mobile Banking Deposit Service; deposits made at a branch location remain subject use of funds deposited to the funds availability policy outlined Account may be delayed or denied in the most current version event of Customer’s applicable deposit account agreementtechnology malfunctions, or pursuant to our compliance with or discharge of legal or regulatory responsibilities, or as otherwise provided in this Agreement. The Bank is not liable for transactions Customer initiates before We may accept, pay, certify, or charge Items to your Account in the funds are available for Customer’s useorder we choose. Until Customer receives confirmation that Even if we provisionally post Items to your Account during the funds are made availableday, Customer we may not withdraw treat them as if we received all of them at the funds in cash and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are available 24/7/365, but the funds availability end of the approved deposit is subject day. We do not necessarily process transactions with regard to the following processing cut-off times:fees that you may incur for insufficient balances. (i) Generally, your deposits and withdrawals are processed as follows: (1) Unless manual review is needed, Direct Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day – generally, the total daily deposits will be available any other ACH credits are added to your Available Balance on the same daysettlement date in the applicable ACH file or at the time we receive pending deposits that are immediately available for your use. ACH debits are deducted from your Available Balance in the order of lowest to highest dollar amount if multiple ACH debits are present in a single ACH file that we process. (2) Transactions received real-time (or near real-time) during the day are processed as they occur. Debit transactions received during the day are debited from your Account as they occur if there is a sufficient Available Balance in the Account to pay them (for example, ATM and other Card transactions). Please note: Your Available Balance may not reflect every transaction you have initiated or previously authorized (e.g., preauthorized debit transaction holds that are later released) (3) Fees for services we provide that have not already been debited from your Account are deducted from your Available Balance. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily your deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such are processed as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.follows:

Funds Availability. This policy only applies to deposits made using the Remote Deposit Capture Service or Mobile Banking Deposit mRDC Service; deposits made at a branch location remain subject to the funds availability policy outlined in the most current version of Customer’s applicable deposit account agreement. The Bank is not liable for transactions Customer initiates before the funds are available for Customer’s use. Until Customer receives confirmation that the funds are made available, Customer may not withdraw the funds in cash and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture mRDC Service and the Mobile Banking Deposit Service are is available 24/7/365, but the funds availability of the approved deposit is subject to the following processing cut-off times: (i) Deposits submitted and deemed received before the Mobile Banking Deposit Cut-Off set forth in Section 19 17 on a business day – generally, the total daily deposits will be available on the same day. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 17 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.

Funds Availability. This policy only applies The availability of your deposit varies depending on the type of deposit and is explained below. If you make a deposit before the close of business on a Business Day, we will consider that day to deposits be the day of your deposit. However, if you make a deposit after the close of business or on a day we are not open, we will consider that the deposit was made using on the Remote Deposit Capture Service next Business Day. Availability or Mobile Banking Deposit Service; deposits made at a branch location remain subject use of funds deposited to the funds availability policy outlined Account may be delayed or denied in the most current version event of Customer’s applicable deposit account agreementtechnology malfunctions, or pursuant to our compliance with or discharge of legal or regulatory responsibilities, or as otherwise provided in this Agreement. The Bank is not liable for transactions Customer initiates before We may accept, pay, certify, or charge Items to your Account in the funds are available for Customer’s useorder we choose. Until Customer receives confirmation that Even if we provisionally post Items to your Account during the funds are made availableday, Customer we may not withdraw treat them as if we received all of them at the funds in cash and the Bank may not use the funds to pay items that Customer has written or honor other withdrawals Customer requests. If the Bank pays items that Customer has written or honors other withdrawals before funds are available to Customer, the Bank may charge a fee for this. The Remote Deposit Capture Service and the Mobile Banking Deposit Service are available 24/7/365, but the funds availability end of the approved deposit is subject day. We do not necessarily process transactions with regard to the following processing cut-off times:fees that you may incur for insufficient balances. (i) Generally, your deposits and withdrawals are processed as follows: (1) Unless manual review is needed, Direct Deposits submitted and deemed any other ACH credits are added to your Available Balance at the time we receive and process the applicable ACH file or at the time we receive pending deposits that are immediately available for your use. ACH debits are deducted from your Available Balance in the order of lowest to highest dollar amount if multiple ACH debits are present in a single ACH file that we process. (2) Transactions received before real-time during the Mobile Banking Deposit Cutday are processed as they occur. Debit transactions received during the day are debited from your Account as they occur if there is a sufficient Available Balance in the Account to pay them (for example, ATM and other Card transactions). Please note: Your Available Balance may not reflect every transaction you have initiated or previously authorized (e.g., pre-Off set forth in Section 19 on a business day – generally, the total daily deposits will be available on the same dayauthorized debit transaction holds that are later released) (3) Fees for services we provide that have not already been debited from your Account are deducted from your Available Balance. (ii) Deposits submitted and deemed received after the Mobile Banking Deposit Cut-Off set forth in Section 19 on a business day (or items deposited on a non-business day) – these deposits will not be processed until the next available business day, which will be considered the recorded day of the deposit. Generally, the Bank will make the total daily your deposits available on the next available business day. In certain circumstances, and at the Bank’s discretion, the balance of the deposit may be delayed for a longer period under any of the following circumstances: (i) the Bank believes a check Customer deposits will not be paid; (ii) Customer deposits checks totaling more than $5,000 on any one day; (iii) Customer has overdrawn its account repeatedly in the past six months; or (iv) there is an emergency, such are processed as the failure of computer or communications equipment. The Bank will notify Customer if it delays Customer’s ability to withdraw funds for any of these reasons, and the Bank will tell the Customer when the funds will be available. In general, funds delayed for the above reasons will be available no later than the seventh business day after the recorded day of Customer’s deposit. Even after the item has “cleared” and the Bank has made funds available to Customer, and Customer has withdrawn the funds, Customer is still responsible for items Customer deposits that are returned to the Bank unpaid and for any other problems involving the deposit.follows: