Common use of Special Rules for New Accounts Clause in Contracts

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account is open: • Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 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 $5,525will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. 1. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . 2. Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second (2nd) business day after the day of your deposit. 3. • Funds from all other check deposits will be available on the seventh eleventh (11th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your Account account is open: . • Funds from electronic direct deposits to your Account account will generally be available on the same business day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will generally be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 5,000 will be available on the seventh ninth (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 $5,525will 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh thirtieth (30th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account is open: • . Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh business day ninth 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 $5,525will 5,525 will not be available until the second business day Business Day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day ninth Business Day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 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 $5,525will 5,525 will not be available until the second 2nd business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh 3rd business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.BUSINESS WIRE TRANSFER AGREEMENT

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (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 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over remaining balance exceeding $5,525 5,000 will be available on the seventh business day ninth (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 $5,525will 5,000 will not be available until the second business day Business Day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day ninth (9th) Business Day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on no later than the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will normally be available on the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on by the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 thirty (30) days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first (1st) business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 5,000 will be available on the seventh ninth (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 $5,525will 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh eleventh (11th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 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, transfers and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelers, traveler’s and federal, state and local government checks will be available on the 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 You (and you You may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh 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 $5,525will 5,000 will not be available until the second business day after the day of your Your deposit. • Funds from all other check deposits will be available on the seventh eleventh business day after the day of your Your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account 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 cashdrawn on us, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may have be required to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.SUBSTITUTE CHECKS AND YOUR RIGHTS

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account 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 cashdrawn on us, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may have be required to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.SUBSTITUTE CHECKS AND YOUR RIGHTS

Special Rules for New Accounts. 1. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your Account account is open: • . 2. Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 6,725 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 6,725 will not be available until the second (2nd) business day after the day of your deposit. 3. • Funds from all other check deposits will be available on the seventh eleventh (11th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following follow ing special rules will may apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account will account w ill be available on the day we receive the deposit. • Funds from deposits of cash, wire w ire transfers, and the first $5,525 5,000 of a day's ' s total deposits of cashier's' s, certified, teller's, travelerstraveler' s, and federal, state and local government checks will w ill be available on the first business same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will 5,000 may be available on the seventh ninth 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 $5,525will 5,000 w ill not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may generally be available on the seventh tenth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. 1. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . 2. Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second (2nd) business day after the day of your deposit. 3. • Funds from all other check deposits will be available on the seventh eleventh (9th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • > Funds from electronic direct deposits deposits, cash, and wire transfer to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the deposit > The first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). > The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth (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 $5,525will 5,000 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the seventh fifteenth (15th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. 1. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . 2. Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 6,725 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 6,725 will be available on the seventh ninth 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 $5,525will 6,725 will not be available until the second (2nd) business day after the day of your deposit. 3. • Funds from all other check deposits will be available on the seventh eleventh (9th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 employeesassociates, the first $5,525will 5,525 may not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may not be available on until the seventh ninth business day after the day of your deposit. As our client, we think it is important ATM deposit functionality may be limited for you to know about substitute checkstemporary access devices issued for new deposit accounts.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh tenth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to into your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customerChecking Account Customer, the following special rules will apply during the first 30 days your Account is open: • . Funds from cash, wire transfers, electronic direct deposits and other electronic transfers to your Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the The first $5,525 5,000 of a day's days total deposits of cashier'scashiers, certified, teller'stellers, travelerstravelers, and federal, state and local government checks will be available on the first business day Business Day after the day of your deposit if the deposit meets certain conditions. For example, certain conditions may include the checks must be check made payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on It may take up to the seventh business day ninth (9th) Business Day after the day of your depositdeposit for the excess over $5,000 to be available for withdrawal. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to through one of our employees, the first $5,525will 5,000 will not be available until the second business day (2nd) Business Day after the day of your deposit. • Funds from all other check deposits will may not be available on until the seventh business day ninth (9th) Business Day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from deposits of cash, wire transfers, and electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checksDirect deposit required. No check writing capabilities.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account is open: • . Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account is open: • Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (( and you may have to use a special deposit slip). The excess over $5,525 5000 will be available on the seventh ninth 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 $5,525will 5000 will not be available until the second business day after the day of your deposit. • Funds from all The delay for other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.determined as follows:

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account 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 and, if made available, the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 employeesassociates, the first $5,525will 5,000 may not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may not be available on until the seventh second business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state state, and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000.00 will be available on no later than the seventh ninth 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 $5,525will 5,000.00 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's▇▇▇▇▇▇’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, transfers and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available availab- le on the seventh ninth (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 $5,525will 5,525 will not be available until the second (2nd) business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the seventh business fifteenth (15th) bu- siness day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account transaction account is open: • . Funds from cash deposited in person with an employee or at an ATM, electronic direct deposits deposits, and wire transfers to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelers, and federal, state and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 5,000 will be available on the seventh 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits and ACH deposits that we initiate on your behalf to open an account will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will may apply during the first 30 (thirty) days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits deposit of cashier's’s, certified, teller's’s, travelers, traveler’s and federal, state and local government checks will be available to you on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your Account is open: • . Funds from electronic direct deposits EFTs to your Account will generally be available on the day we receive the deposit. • Funds from deposits deposit of cash, wire transfers, and the first $5,525 5,525.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state State and local government checks Checks will be available on the first business same day after as the day of your deposit if the deposit meets certain conditions. For example, the checks Checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,525.00 will be available on or before the seventh business day ninth Business Day after the day of your deposit. If your deposit of these checks Checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first $5,525will 5,525.00 may not be available until the second Business Day after the day of your deposit. Funds from all other Check deposits will be available on or before the ninth business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh tenth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • open . Funds from electronic direct deposits to your Account account will be available on the day we receive the depositdeposit . • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelers, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditionsconditions . For example, the checks must be payable to you (and you may have to use a special deposit slip)) . The excess over $5,525 5,000 will be available on the seventh ninth business day after the day of your depositdeposit . If your deposit of these checks (other than a U.S. U .S . Treasury check) is not made in person to one of our employees, the first $5,525will 5,000 will not be available until the second business day after the day of your depositdeposit . • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checksdeposit .

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s and Federal, and federal, state State and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip)you. The excess over $5,525 will be available on the seventh 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our clientIf you are a new member using Mobile Deposit, we think it is important for you to know about substitute checksmay delay the availability of your check deposits and funds will generally be available no later than the seventh business day after the day of deposit.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from deposits of cash, wire transfers, and electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on no later than the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checksDirect deposit required. No check writing capabilities.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account is open: • Funds from electronic direct deposits to your Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's▇▇▇▇▇▇’▇, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will may be available on held until the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will generally be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account 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 cashdrawn on us, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be made payable to you (and you may have be required to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh 9th business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.SubStitute CheCkS and Your rightS

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account is open: • Funds from electronic direct deposits to into your Account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. ‌ If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh tenth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply appl during the first 30 days your Account 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 and, if made available, the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first same business day after the day of we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 employeesassociates, the first $5,525will 5,000 may not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may not be available on until the seventh second business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 thirty (30) days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh eleventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier'sCashier’s, certified, teller's’s, travelerstraveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you You are a new customermember, the following special rules will apply during the first 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, transfers and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelers, traveler’s and federal, state and local government checks will be available on the 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 You (and you You may have to use a special deposit slip). The excess over $5,525 will be available on the seventh 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 $5,525will 5,525 will not be available until the second business day after the day of your Your deposit. • Funds from all other check deposits will be available on the seventh eleventh business day after the day of your Your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh (7) business day after following the banking 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 $5,525will 5,000 will not be available until the second (2) business day after following the banking day of your deposit. • Funds from all other check deposits checks deposited will be available on the seventh tenth (10) business day after following the banking day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account account is open: • Funds from cash, wire transfers, electronic direct deposits (ACH) and checks drawn on Evergreen Credit Union and payable to your Account the member (assuming sufficient available funds), will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first next business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on by the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, 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 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will may apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will may be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh fifth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh fifth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh tenth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's’s, travelers, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh sixth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 6,725.00 of a day's total deposits of cashier's, certified, teller's, travelers, traveler's and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 6,725.00, will be available on the seventh ninth 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 $5,525will 6,725.00 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our clientLast updated June 25, we think it is important for you to know about substitute checks.2025

Special Rules for New Accounts. 1. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . 2. Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's total deposits of cashier's, certified, teller's, travelerstraveler's, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second (2nd) business day after the day of your deposit. 3. • Funds from all other check deposits will be available on the seventh eleventh (9th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier'scashiers’, certified, teller's’s, travelerstraveler’s, and federal, state state, and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,525.00 of a day's total deposits of cashier's, certified, teller's, travelers, traveler's and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,525.00, will be available on the seventh ninth 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 $5,525will 5,525.00 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh ninth business day after the day of your deposit. As our clientLast updated May 10, we think it is important for you to know about substitute checks.2023

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh fifth business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth 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 $5,525will 5,525 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the $100,000.00 any day of your deposit. As our client, we think it is important for you to know about substitute checksthe cycle.

Special Rules for New Accounts. If you are a new customer, the following special rules will apply during the first 30 days your Account account is open: • . Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 5,000 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelerstraveler’s, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 5,000 will be available on the seventh ninth 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 $5,525will 5,000 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. 1. If you are a new customer, the following special rules will apply during the first 30 calendar days your Account account is open: • . 2. Funds from electronic direct deposits to your Account account will be available on the day we receive the deposit. • Funds from deposits of cash, wire transfers, and the first $5,525 of a day's total deposits of cashier's, certified, teller's, travelers, and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special deposit slip). The excess over $5,525 will be available on the seventh ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is are not made in person to one of our employees, the first $5,525will 5,525 will not be available until the second (2nd) business day after the day of your deposit. 3. • Funds from all other check deposits will be available on the seventh (7th) business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.

Special Rules for New Accounts. If you are a new customermember, the following special rules will apply during the first 30 days your Account is open: • . Funds from cash and 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 5,000.00 of a day's ’s total deposits of cashier's’s, certified, teller's’s, travelers, and federal, state and local government gov- ernment checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you (and you may have to use a special spe- cial deposit slip). The excess over $5,525 5,000.00 will be available on the seventh business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury checkCheck) is not made in person to one of our employees, the first $5,525will 5,000.00 will not be available until the second business day after the day of your deposit. • Funds from all other check deposits will be available on the seventh business day after the day of your deposit. As our client, we think it is important for you to know about substitute checks.