Disclosures

Funds Availability Disclosure

Our policy is to make funds from your deposits available to you on the first business day after we receive your deposit. Electronic direct deposits will be made available on the day we receive the deposit. At that time, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays, and federal holidays. Normal business days are Monday through Friday with the exception of legal holidays.

Effective March 30, 2015, all transactions are credited to your account immediately.

Deposits made at the night depository will be considered as being made on the next business day. If you make a deposit at an Automated Teller Machine (ATM) that we operate before 12:00 P.M. on any business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 12:00 P.M. or on a day were not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the same first day after we receive your deposit. Depending on the type of check that you deposit, funds may not be available until the 2nd business day after the day of your deposit.

However, the first $250 of your deposits will be available on the first business day. If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make the deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice the day after we receive your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

We believe a check you deposit will not be paid;

• You deposit checks totaling more than $5,000 on any one day;
• You redeposit a check previously returned unpaid;
• You have overdrawn your account repeatedly in the last six months;
• There is an emergency, such as failure of communication or computer equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the seventh business day after your deposit for other checks.

Holds on Other Funds

If we cash a check for you that is drawn on another Bank, we may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. If we accept for deposit a check that is drawn on another bank, we may make funds from the deposit available for withdrawal immediately but delay the availability to withdraw a corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in the disclosure for the type of check that you have deposited.

Automated Teller Machine Deposit (Extended Hold)

Funds from any deposits (cash or checks) made at an Automated Teller Machine (ATM) we do not operate will not be available until the fifth business day after the day of your deposit. This rule does not apply to ATMs that we own or operate. All A TMS that we own or operate are identified as our machines.

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 into your account will be available on the day we receive the deposit.

Funds from deposits of cash, wire transfers, and the first $5,000 of a day's total deposits of cashier's, certified, teller's, bank money orders, traveler's and federal, state and local government checks will be available on the first business day as the 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 $5,000 will be available on the 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 $5,000 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 ninth business day after the day of your deposit.