Common use of Obtaining Balance and Transaction Information Clause in Contracts

Obtaining Balance and Transaction Information. You may use Online Banking to obtain balance information and transaction histories for certain deposit and loan accounts. Balance information and transaction histories reported through Online Banking may not include transactions that have occurred since the close of business on the previous Business Day. Balance information shown for your deposit accounts will include the Current Balance and the The Current Balance is the ending balance in your Account as of the close of the previous Business Day. The amount shown as the “Current Balance” does not take into account adjustments for pending transactions or any holds that may have been placed on your Account. For example, we may place a hold for a short period of time on funds from a check you deposit, to make sure that the funds are collected. We may place a hold for a short period of time on credit that is available under a line of credit when you pay by check to make sure that available credit is kept within the credit limits established for the Account. See your credit account agreement for more details. The Available Balance is the Current Balance, minus any holds as discussed in the above paragraph. The Available Balance also includes certain “real time” debits and credits which have taken place since the close of the previous Business Day. For example, ATM deposits and withdrawals, cash deposits, wire transfers, and other online activity is usually included in the “Available Balance.” The Available Balance provides the most up-to-date information from our computer systems regarding your Account balance. The Available Balance does not include or account for any scheduled payments or transfers that have not been processed. For time deposit (such as CDs or IRAs), balances shown do not include interest that has accrued but has not been credited to the Account since the last statement. Transaction history information for most Accounts is available for at least your current statement cycle plus the previous two statement cycles.

Obtaining Balance and Transaction Information. You may use Online Banking to obtain balance information and transaction histories for certain deposit and loan accounts. Balance information and transaction histories reported through Online Banking may not include transactions that have occurred since the close of business on the previous Business Day. Balance information shown for your deposit accounts will include the Current Balance and the Available Balance, and these balance amounts may differ. The Current Balance is the ending balance in your Account as of the close of the previous Business Day. The amount shown as the “Current Balance” does not take into account adjustments for pending transactions or any holds that may have been placed on your Account. For example, we may place a hold for a short period of time on funds from a check you deposit, to make sure that the funds are collected. We may place a hold for a short period of time on credit that is available under a line of credit when you pay by check to make sure that available credit is kept within the credit limits Credit Limits established for the Account. See your credit account agreement for more details. The Available Balance is the Current Balance, minus any holds as discussed in the above paragraph. The Available Balance also includes certain “real time” debits and credits which have taken place since the close of the previous Business Day. For example, ATM deposits and withdrawals, cash deposits, wire transfers, and other online activity is usually included in the “Available Balance.” The Available Balance provides the most up-up- to-date information from our computer systems regarding your Account balance. The Available Balance does not include or account for any scheduled payments or transfers that have not been processed. For time deposit (such as CDs or IRAsCDs), balances shown do not include interest that has accrued but has not been credited to the Account since the last statement. Transaction history information for most Accounts is available for at least your current statement cycle plus the previous two statement cycles.