Our general policy is to make funds from your deposits available to you on the first business day after we receive your deposits. Funds from cash, wire transfers and electronic deposits (such as ACH credit transfer direct deposits) will be available on the day we receive the deposit. Once funds are available, you may withdraw the funds in cash and we will use the funds to pay checks that you have written.

Determining the availability of a deposit:

The length of the delay is counted in business days from the day of your deposit. Every day is a business day except Saturdays and Sunday's and federal holidays. The length of the delay varies depending on the type of deposit and is explained below:

Same-Day Availability:

• Cash
• Funds from electronic direct deposits and wire transfers to your account.
• Items drawn on American Bank

Next-Day Availability:

If you make a deposit in person to one of our employees, funds from the following deposits will be made available on the first (1st) business day after the day of your deposit:

• U.S. Treasury Checks that are made payable to you and endorsed by you
• State and local government checks that are made payable to you and endorsed by you
• Cashier's, Certified and Teller/Official checks that are made payable to you and endorsed by you
• Federal Reserve Checks, Federal Home Loan Bank Checks and postal money orders that are made payable to you and endorsed by you

If you do not make your deposit in person to one of our employees, (for example, if you mail the deposits), funds from these deposits will be available on the second (2nd) business day after the day we receive your deposit.

Second-Business Day Availability:

The first $200.00 from a deposit of other checks will be available on the first (1st) business day after the day of your deposit. The remaining funds will be available on the second (2nd) business day after the day of your deposit. For example, if you deposit a $700.00 check on a Monday, $200.00 of the deposit is available on Tuesday and the remaining $500.00 is available on Wednesday.

Longer Delays May Apply:

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

• 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.

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 seventh (7th) business day after the day of your deposit.

Special Rules for New Accounts:

If you are a new customer, the following special rules will apply during the first thirty (30) days your account is open.

• Funds from electronic direct deposits, wire transfers and cash into your account will be available on the day we receive the deposit.
• The first $5,000.00 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 (1st) 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 will be available on the ninth (9th) business day after the day of your deposit. 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 $5,000.00 will not be available until the second (2nd) business day after the day of your deposit. Funds from all other check deposits will be available on the ninth (9th) business day after the 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 in an account in your name. Those funds will become available to you at the time funds from 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 the funds from the deposit available for withdrawal immediately but delay your availability to withdraw corresponding amount of funds that you have on deposit in another account with us. The funds in the other account would not be available for withdrawal until the time periods that are described elsewhere in this disclosure for the type of check you deposited.

Depositor Liability:

Customers are responsible for all deposits, even when funds have been made available and have been withdrawn. This includes deposited checks which have been returned unpaid to us.

Deposits at ATM Machines:

If you make a deposit at an ATM marked as owned and operated by American Bank before 4:00p.m. on a business day, the following availability will apply:

Next Day Availability:

• U.S Treasury Checks that are made payable to you and endorsed by you
• Items drawn on American Bank
• Cash

Second Day Availability:

• State and local government checks that are made payable to you and endorsed by you
• Cashier's, Certified and Teller/Official checks that are made payable to you and endorsed by you
• Federal Reserve checks, Federal Home Loan Bank checks and postal money orders that are made payable to you and endorsed by you

All other deposited items will have the same availability as if they were made at a staffed location. If you have any questions about when funds from your deposits will be available, please contact your branch.

Refusal of Deposit:

We continue to reserve the right to refuse any deposit. In some circumstances, items unacceptable for deposit may be processed as collection items.