Consumer Alerts

FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013,

This disclosure contains information about your ability to withdraw non-cash deposits (mainly checks) deposited to your account.

1. Your Ability to Withdraw Funds

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 and cash 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. If you make a deposit before 6:00 p.m. 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 after 6:00 p.m. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

2. Longer Delays May Apply

Funds you deposit by check may be delayed for a longer period under the following circumstances:

a. We believe a check you deposit will not be paid. b. You deposit checks totaling more than $5,000 on any one day. c. You redeposit a check that has been returned unpaid. d. You have overdrawn your account repeatedly in the last six months. e. 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, and we will tell you when the funds will be available. Depending on the type of check you deposit, funds may not be available until the seventh business day after the day of your deposit.

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

Funds from wire transfers, cashiers checks, certified, tellers, travelers, federal, state and local government checks will be available immediately, if the deposit meets certain conditions. For example, the checks must be payable to you.

Normally funds from all other check deposits will be available on the first business day after the day of your deposit. However, 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 which will not exceed eleven business days. If your deposit is not made directly to one of our employees, or if we decide to take the action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

4. Deposits at our Automated Teller Machine

If you make a deposit to your account, on a business day that we are open, we will consider that day to be the day of your deposit, and your funds will be available the next business day. However, if you make a deposit after our regular business hours or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

5. Holds on Other Funds (Other Accounts)

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 your 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 this disclosure for the type of check that you deposited.

Supervisory Authority is:

Director, Consumer Affairs Office of Thrift Supervision Washington D.C. 20552

Revised February, 2010