Disclosure of Our Funds Availability Policies

Under the Expedited Funds Availability Act

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

For determining the availability of your deposits, every day is a business day, except Saturdays, Sundays and federal holidays. Our earliest cutoff time is 5:00 PM; later business day cutoff times may apply in certain offices or locations.

Longer Delays May Apply

In some cases, we will not make all the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $200 of your deposit will be available on the first business day.

If we are not going to make all the funds from your deposit available on the first business day, we will notify you at the time you make your 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 by 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 deposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency, such as failure of computer or communications 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 the day of your deposit.

Special Rules for Deposits at Automated Teller Machines

Funds from any deposits (cash or checks) made at automated teller machines (ATMs), whether we own and/or operate the ATM or not, will not be available until the second business day after the day of your deposit; subject to the following two exceptions: (1) All checks drawn on the Treasury of the United States and deposited at an ATM which we own or operate will be available on the next business day after the day of the deposit; and (2) the first $200 of deposit, if made at an ATM which we own or operate, will be available on the next business day after the day of deposit. All ATMs that we own or operate are identified as our machines.

ATM machines that we own or operate are available at our branch locations.