Common use of Unavailability of Services Clause in Contracts

Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to system maintenance or technical difficulties, including without limitation those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at ▇▇▇ ▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇ ▇▇▇▇▇. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. You will send notification, by email or other method, of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. I understand the Services are available Monday through Friday between 8:00 a.m. to 3:00 p.m., Central Time, excluding holidays, any other day you are not open for business, or such other hours as established by you from time to time. Transmissions processed after these business hours on a business day, or on any other day that is not a business day are treated as occurring on the next business day. Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Vernon Hills, Illinois. With regard to the availability of deposits made using the Services, please review Member Service Agreement – Funds Availability Disclosure. Additional delays may occur on a case-by-case basis. For determining the availability of my deposits, every day is a business day except Saturdays, Sundays, and Federal Holidays. Please note that the Expedited Funds Availability Act (Reg. CC) does not apply to deposits made using the Service, thus for determining funds availability, the terms of this Disclosure and Agreement apply. If I need the funds from a deposit made available sooner than provided under the Services, I understand I should contact BCU. Internal Controls and Audit. I understand and agree to adhere to the internal controls and Audit requirements as described in this Disclosure and Agreement.

Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to system your system’s maintenance or technical difficulties, difficulties including without limitation those of the Internet service provider and Internet softwareprovider, mobile network operator or third party applications. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or service centers, through your ATMs that accept deposits or by mailing the original check to you at ▇.▇. ▇▇▇ ▇ ▇▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ , ▇▇ ▇▇▇▇▇. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. You However, you will send notification, by email or other method, notification of items that are rejected by the next business day following rejection. Business Day Days and Availability DisclosureHours. I understand the Services are available Business days and hours for Mobile Check Deposits: Monday through Friday between 8:00 – Friday, 9:00 a.m. to 3:00 p.m.4:00 p.m. except for Federal Holidays and other closures, Central Timescheduled or unscheduled, excluding holidays, any other day you are not open for business, or such other hours as established by you from time to time. Transmissions processed after these business hours on a business day, or on any other day that is not a business day are treated as occurring on the next business daywill be made publicly available. Funds Availability. I understand and agree that, for purposes of deposits made that items transmitted using the Services, Services are not subject to the place funds availability requirements of deposit is Vernon Hills, IllinoisFederal Reserve Board Regulation CC. With regard The Credit Union reserves the right to delay the availability of deposits made using the Services, please review Member Service Agreement – Funds Availability Disclosure. Additional delays may occur on a case-by-case basisfunds deposited to accounts for periods longer than those disclosed in this policy. For determining the availability of my deposits, every day is a business day day, except Saturdays, Sundays, and Federal Holidays. Please note that the Expedited Funds Availability Act (Reg. CC) does not apply to deposits made using the Service, thus for determining funds availability, the terms of this Disclosure and Agreement applyfederal holidays. If I need the funds from make a deposit before the “daily cut-off time” on a business day that you are open as set forth above, you will consider that day to be the day of my deposit. However, if I make a deposit after your “daily cut-off time” or on a day you are not open, I will consider that deposit made on the next business day you are open. Funds deposited using the Services will generally be made available in five business days from the day of deposit. Credit Union may make such funds available sooner than provided under based on such factors as credit worthiness, the Serviceslength and extent of my relationship with the Credit Union, I understand I should contact BCUtransaction and experience information, and such other factors as Credit Union, in its sole discretion, deems relevant. Internal Controls and Audit. I understand and agree to adhere to the internal controls and Audit requirements Internal Controls as described in this Disclosure agreement. Furthermore I agree to comply with any audit requirements prescribed by you within this Agreement. Accountholder’s Warranties. I make the following warranties and Agreement.representations with respect to each image of an original check I transmit to you utilizing the Services:

Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to system maintenance or technical difficulties, including without limitation those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at ▇▇▇ ▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇ ▇▇▇▇▇. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. You will send notification, by email or other method, of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. I understand the Services are available Monday through Friday between 8:00 a.m. to 3:00 4:00 p.m., Central Time, excluding holidays, any other day you are not open for business, or such other hours as established by you from time to time. Transmissions processed after these business hours on a business day, or on any other day that is not a business day are treated as occurring on the next business day. Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Vernon Hills, Illinois. With regard to the availability of deposits made using the Services, please review Member Service Agreement – Funds Availability Disclosure. Additional delays may occur for accounts without compensating funds (available funds already in the account to cover the deposit if it is returned unpaid), the first $500 of funds from my deposit will be made available as a provisional credit on a case-by-case basisthe date BCU accepts the deposit. For determining the availability of my deposits, every day is a business day except Saturdays, Sundays, and Federal Holidays. Please note deposits that the Expedited Funds Availability Act (Reg. CC) does not apply to deposits made using the Service, thus for determining funds availabilityexceed this amount, the terms funds in excess of this Disclosure and Agreement apply$500, up to $5,000, may not be made available until two (2) business days after the date in which you accept the deposit. If I need my deposit exceeds $5,000, the funds from a deposit made available sooner than provided under the Services, I understand I should contact BCU. Internal Controls and Audit. I understand and agree to adhere to the internal controls and Audit requirements as described in this Disclosure and Agreement.

Unavailability of Services. I understand and agree that the Services may at times time be temporarily unavailable due to Credit Union system maintenance or technical difficulties, difficulties including without limitation those of the Internet service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs branch or by mailing the original check to you at Census Federal Credit Union, ▇.▇. ▇▇▇ ▇ ▇▇▇, ▇▇▇▇▇▇▇▇▇ ▇, ▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ ▇▇ ▇-▇▇▇▇. It is it my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. You will send notification, by email or other method, of items that are rejected by the next business day following rejection. Business Day and Availability Disclosure. I understand the Services Your business days are available Monday through Friday between Friday. Your business hours are 8:00 a.m. to 3:00 p.m., Central 3:15 p.m. Eastern Standard Time, excluding holidays, any other day you are not open for business, or such other hours as established by you from time to time. Transmissions processed after these business hours on a business day, or on any other day that is not a business day are treated as occurring on the next each business day. Funds AvailabilityAvailability Policy. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Vernon HillsWashington, IllinoisDistrict of Columbia. With regard to the availability of deposits made using the Services, please review Member Service Agreement – Funds Availability Disclosuresuch funds will be available as set forth below. Additional delays may occur on a case-by-case basisGeneral Policy. For determining the availability of my your deposits, every day is a business day day, except Saturdays, Sundays, and Federal Holidaysholidays. Please note If you make a deposit before 3:00 p.m. on a business day that we are open, we may consider that day to be the day of your deposit. However, if you make a deposit after 3:00 p.m. or on a day we are not open, we may consider that the Expedited deposit was made on the next business day we are open. Right to hold. Funds Availability Act (Regthat you deposit via Mobile Deposit may be subject to review and our internal check hold policy. CC) does Funds may not apply to deposits made using be available until the Service, thus for determining funds availabilitythird business day after the day of your deposit. However, the terms first $200.00 of this Disclosure and Agreement applyyour deposit will be available on the day of your deposit. If I you will need the funds from a the deposit made available sooner than provided under right away, you should ask us when the funds will be available. Longer delays may apply. We may delay the ability to withdraw fund’s deposited by check into your account an additional number of days for these reasons: Foreign checks and bonds. Checks drawn on financial institutions located outside the U.S. (foreign checks) and bonds cannot be processed via Mobile Deposit. Accountholder’s Warranties. I make the following warranties and representations with respect to each image of an original check I transmit to you utilizing the Services, I understand I should contact BCU. Internal Controls and Audit. I understand and agree to adhere to the internal controls and Audit requirements as described in this Disclosure and Agreement.:

Unavailability of Services. I understand and agree that the Services may at times be temporarily unavailable due to the CAFCU’s system maintenance or technical difficulties, difficulties including without limitation those of the Internet service provider, cellular service provider and Internet software. In the event that the Services are unavailable, I acknowledge that I can deposit an original check at your branches or through your ATMs or by mailing the original check to you at ▇▇▇ ▇▇ ▇▇▇▇▇▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇ , ▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. It is my sole responsibility to verify that items deposited using the Services have been received and accepted for deposit by you. You However, you will send notification, by email or other method, notification of items that are rejected by the next two business day following rejection. Business Day Days and Availability DisclosureHours. I understand the Services are available Monday through Friday between 8:00 a.m. to 3:00 p.m., Central Time, excluding holidays, any other day you are not open for business, or such other hours as established by you from time to time. Transmissions processed after these business hours on a business day, or on any other day that is not a business day are treated as occurring on the next business day. Class Act FCU Branch Hours and Locations Funds Availability. I understand and agree that, for purposes of deposits made using the Services, the place of deposit is Vernon HillsLouisville, IllinoisKentucky. With regard to the availability of deposits made using the Services, please review Member such funds will be available as set forth below. Deposits received via the Service Agreement – Funds Availability Disclosureare processed on our Mobile Deposit business days, which are Monday through Friday, excluding holidays, until 3:00 p.m. Eastern Time; Deposit items that we receive after 3:00 daily will not be deposited to your account until the end of the following business day. Additional delays may occur Deposits made after 3:00 p.m. Eastern Time on a case-by-case basis. For determining the availability of my deposits, every day Friday that is a business day except Saturdays, Sundaysday, and Federal Holidaysat any time on a Saturday, Sunday, or holiday, will not be deposited into your Account until the end of the next business day that we are open; The earliest that funds deposited after 3:00 p.m. via the Service will be available for withdrawal or to pay checks that you have written would be the third business day after the business day on which we receive the deposit; Check holds or unavailability of the Service may cause further delays in availability of funds beyond that time. Please note that Checks deposited via the Service do not fall under the regulatory provisions of Regulation CC - Expedited Funds Availability Act (RegAct. CC) does not As such, longer hold periods may apply to deposits made using the Service, thus for determining funds availability, the terms of this Disclosure and Agreement apply. If I need the funds from a deposit made available sooner than provided under the Services, I understand I should contact BCU. Internal Controls and Audit. I understand and agree to adhere to the internal controls and Audit requirements as described in this Disclosure and Agreementthese deposited items.