FUNDS AVAILABILITY POLICY 
Our policy is to make funds from your deposit 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. Funds from deposits of cash, wire transfers, on-us checks, and most other deposits by check will be available on the first business day after the day of your 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. If you make a deposit on a business day that we are open prior to the posted closing time of the bank, or in one of the bank's night depositories prior to the depository's posted cutoff time we will consider that day to be the day of your deposit. However, if you make a deposit after the times indicated above or on a day not defined as a business day, we will consider the deposit to be 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 first business day after the day of your deposit. Depending on the type of check that you deposit, whether it is payable to you or another party, and whether you deposit the check in person directly to one of our employees, your funds may be subject to delayed availability. This delay will normally be no longer than the second business day after the day of deposit for U.S. Treasury checks, U.S. Postal Service money orders, certain state and local government checks, checks drawn on a Federal Reserve Bank or Federal Home Loan Bank, cashier's, certified or teller's checks, and certain other checks. However, the first $200.00 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 your deposit. The notice will be in the form of a "Case-by-Case Hold Notice." 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 funds from a deposit right away, you should ask us when the funds will be available.

Funds you deposit by check may also be delayed for longer periods under the following exception circumstances:
1. We have reasonable cause to believe a check you deposit will not be paid.
2. You deposit checks totaling more than $5,000.00 on any one day.
3. You redeposit a check that has been returned unpaid.
4. You have overdrawn your account repeatedly in the last six months.
5. There is an emergency, such as failure of communications or computer equipment.
We will notify you if we delay your ability to withdraw funds for any of these reasons at the time you make your deposit. The notice will be in the form of an "Exception Hold Notice" and will indicate the reason for the delay. We will also tell you when 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 or by the day after we receive knowledge of facts which would justify the delay. All types of checks are subject to holds resulting from the exception conditions described above. Your funds will generally be available no later than the seventh business day after the day of your deposit.

Special Rules in the Case of an Emergency. If the availability of your funds is delayed as a result of an emergency, such as the failure of communications or computer equipment, the funds will generally be available on the first business day after the end of the emergency condition.
Funds you deposit at any ATM may be delayed for a longer period under circumstances such as those described above and under the heading "Special Rules for New Accounts." Whenever applicable under this policy, we will notify you if we delay your ability to withdraw funds for any of those reasons.

Special Rules for New Accounts. If you are a new transaction account customer, the following special rules may 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 $5,000.00 of a day's total deposits of U.S. Treasury checks, U.S. Postal Service money orders, checks drawn on a Federal Reserve Bank or Federal Home Loan Bank, state or local government checks, and cashier's, certified, teller's and traveler's 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. The excess over $5,000.00 and funds from all other check deposits may be subject to delayed availability. We will notify you if we delay your ability to withdraw funds and we will tell you when the funds will be available.

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. Similarly, if we accept for deposit a check drawn on another bank and make the funds available for immediate withdrawal, we may withhold the availability of a corresponding amount of funds that you have on deposit in another account with us. If we delay the availability of other funds you have on deposit as described above, we will notify you of the reason and tell you when the funds will be available. The funds will generally be available according to the time periods described elsewhere in this disclosure for the type of check you cashed or deposited.

General Information on Funds Availability. The above rules concerning the availability of deposited funds are applicable only to transaction accounts. If you have a question concerning the availability of funds you deposit to a non-transaction account, you should ask us at the time of your deposit.

The above rules apply to deposits of checks or payable through items that may be processed as cash items. They do not apply to deposits on non-cash items. The term "non-cash item" refers to payable through drafts and to checks with special instructions or attached documents, to checks payable in a foreign currency, and to checks with non-standard features which prevent automated handling. The availability of these items and other items that you deposit may be delayed until such time as we obtain final payment. We have the right to refuse to accept any item for deposit.
If we receive notice that an item you have deposited will be returned unpaid, we have the right to immediately charge your account for the item even if we have not yet received the item or been charged for it ourselves.

If a deposited cash item is returned unpaid, we have the right, but not the obligation, to present the item for payment a second time. We will not be liable for any adverse consequences which result from our presenting an item a second time for payment. Any second presentment may lengthen the period during which the funds for the deposited item will not be available. We will notify you if this is the case and will tell you when the funds will be available. A return item fee may be imposed each time the item is returned unpaid. We will not pay interest on account deposits which are subsequently reversed because a deposited check or item is returned to us unpaid.

If there are any special fees for collecting your deposit, you promise to pay them. We may make the money available to you before the item is collected. If we do, and the item does not clear, we may charge your account even if this creates an overdraft. We will also be entitled to obtain reimbursement from you, if necessary. We will not be responsible for the lack of care exercised by any other financial institution in handling the collection and payment of deposited items.