Disclosures

Funds Availability Disclosure - February 2010

YOUR ABILITY TO WITHDRAW FUNDS

This policy statement applies to all deposit transaction accounts. Our policy is to make funds from your cash and check deposits available to you on the first business day after we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once the funds are available, you can withdraw them 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Please remember that even after we have made funds available to you and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.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. If you make a deposit on a day we are not open, we will consider that the deposit was made on the next business day we are open. If you make a deposit at the ATM before 2:00 pm on a 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 on a day we are not open, that deposit will be considered on the next business day.

LONGER DELAYS MAY APPLY

Case-By-Case Delays: In some cases, we will not make all the funds that you deposit by check available to you on the first business day of your deposit. 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. 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 left the premises, we will mail you the notice by the first business 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.

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

• We believe a check you deposited will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit 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 eleventh business day after the day of your deposit.

SPECIAL RULES FOR NEW ACCOUNTS

 If you are a new customer, the following special rules may 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, 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 $5,000 will be available on the seventh business day for local checks and eleventh business day for non-local checks. 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 next business day after the day of your deposit.

Funds from all other check deposits will be available on the eleventh business day of your deposit.

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.

USA PATRIOT Act

Signed into law in 2001, the Act requires financial institutions to collect and maintain information about customers and their identities. This information includes name, address, date of birth, and a tax identification or Social Security number. Foreign nationals without a U.S. taxpayer identification number may provide a government-issued identification number such as a passport number.

When you open an account, you will be asked to provide a driver’s license or other official photo identification document such as a passport, a U.S. taxpayer identification number, an alien identification card, or other form of government-issued document verifying your nationality.

These provisions are required by law and are intended to enhance security.

Bank Security Act

The federal government requires financial institutions to report cash transactions of $10,000 or more and certain international monetary transactions.