THIS POLICY DETAILS YOUR ABILITY TO WITHDRAW FUNDS FROM YOUR ACCOUNT AT:

THE BANK OF HARLAN
HARLAN, KENTUCKY
YOUR ABILITY TO WITHDRAW FUNDS

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. 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 4:00 p.m. on a business day (5:00 p.m. on Friday), that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 p.m. on a business day (5:00 p.m. on Friday), or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

LONGER DELAYS MAY APPLY
Under the following circumstances, we may 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:

• 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 that has been returned unpaid.

• You have overdrawn your account repeatedly in the last six months.

• There is an emergency, such as failure of communications or computer equipment.

The foregoing notwithstanding however, the first $100.00 of your deposit will be available on the first business day.

We will notify you if we delay your ability to withdraw funds from 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. If you need the funds from a deposit right away, you should ask us when the funds will be available.

HOLDS ON OTHER FUNDS
If we cash a check for your 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 form 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 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 period that are described elsewhere in this disclosure for the type of check that you deposited.

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 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 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. The excess over $5,000 may not be available until the seventh business day after the day of your deposit.

Funds from all other check deposits will generally be available no later than the seventh business day after the day of your deposit.

This disclosure is mandated by the Expedited funds Availability Act and Federal Reserve System Regulation CC.