Your Ability to Withdraw Funds at Your Credit Union

Reservation of Right to Hold

Longer Delays May Apply

Holds on Other Funds

Deposits at ATMs

Special Rules for New Accounts

YOUR ABILITY TO WITHDRAW FUNDS AT YOUR CREDIT UNION
Your credit union's policy is to make funds available to you on the same business day as the day we receive your deposit. At that time, you can withdraw the funds in cash and/or 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 state and federal holidays. If you make a deposit before 4:00 p.m. Monday through Thursday or before 5:00 p.m. on Friday of a business day, we will consider that day to be the date of your deposit. However, if you make a deposit after the hours stated or on a day we are closed for business or in a night depository, the deposit will be credited to your account on the next business day we are open.

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RESERVATION OF RIGHT TO HOLD
In some cases, we will not make all of the funds that you deposit by share draft or check available to you on the same business day of your deposit. Depending on the type of share draft or check that you deposit, funds may not be available until the fifth business day after the day of your deposit. However, the first $100 of your deposit will be available on the first business day after the 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 a credit union employee, or if we decide to take this action after you have left the premises, we will mail you the notice by the business day after we receive your deposit. It you need the funds from a deposit right away, you should ask us when the funds will be available.

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LONGER DELAYS MAY APPLY
We may delay your ability to withdraw funds deposited by share draft or check into your account an additional number of days for these reasons:

• You deposit share drafts or checks totaling more than $5,000 on any one day. • You re-deposit a share draft or check that has been returned unpaid.
•You have overdrawn your account repeatedly in the last six months.
•We have "reasonable cause" to believe a share draft or check you deposit will not be paid.
•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. They will generally be available no later than the fourth business day after the day your deposit is otherwise available for withdrawal.

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HOLDS ON OTHER FUNDS
If we cash a share draft or check for you that is drawn on another financial institution, 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 share draft or check we cashed would have been available if you had deposited it. If we accept for deposit a share draft or check that is drawn on another financial institution, 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 your credit union. 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 share draft or check that you deposited.

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DEPOSITS AT AUTOMATED TELLER MACHINES
Funds from any deposits, whether cash, share drafts, or checks, made at automated teller machines (ATMs) that your credit union does not own or operate will not be available until the second business day after the day of your deposit. You can make deposits to your share account at the In-Store-Banking ATM located at the service desk in major supermarkets throughout Maine.

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SPECIAL RULES FOR NEW ACCOUNTS
Our general policy is to allow you to withdraw funds deposited in your account on the same business day we receive your deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then the funds will generally be available by the fifth business day after the day of deposit.

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