EXCEPT FOR CHECKS DRAWN ON FOREIGN BANKS IN FOREIGN COUNTRIES, THIS DISCLOSURE DESCRIBES YOUR ABILITY TO WITHDRAW FUNDS FROM TRANSACTION ACCOUNTS AT FOX COMMUNITIES CREDIT UNION.  YOU SHOULD ALSO REFER TO THE SECTION OF THESE AGREEMENTS AND DISCLOSURES THAT DESCRIBES THE DETAILS OF YOUR SPECIFIC ACCOUNT TYPE FOR ADDITIONAL INFORMATION

Your Ability to Withdraw Funds.  Our general policy is to make funds from your cash and check deposits available to you on the 1^st business day after 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.

Determining the Availability of a 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 prior to closing on a business day that we are open, we will consider that day to the be day of your deposit.  However, if you make a deposit after closing or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

For determining the availability of your deposits made at Automated Teller Machines (ATMs), if you make a deposit prior to 6:00pm 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 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.  In some cases, we will not make all the funds that you deposit by check available to you on the 1^st business day after we receive your deposit.  Depending on the type of check that you deposit, funds may not be available until the 2^nd business day after the day of your deposit.  The first $225.00 of your deposits, however, may be available on the 1^st business day.

If we are not going to make all the funds from your deposit available on the same 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 have left the premises, we will mail you the notice by the 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.

In addition, 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 $5,525.00 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 communication 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 7^th business day following the day of your deposit.  In any case, we reserve the right to refuse an item for deposit or encashment.

Special rules for New Accounts.  If you are a new member, 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 deposits of cash, wire transfers and the first $5,525.00 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 1^st business day after we receive the deposit, if the deposit meets  certain conditions.  For example, the checks must be payable to you.  The excess over $5,525.00 will be available on the 9^th 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 $5,525.00 will not be available until the 2^nd business day after the day of your deposit.  Funds from all other check deposits will be available on the 10^th business day after the day of your deposit.

ATM Deposits.  For deposits made at ATMs owned and operated by the Credit Union, deposits will become available on the 2^nd business day after the day we receive your deposit.  For deposits made at ATMs not owned and operated by the Credit Union, deposits will become available for withdrawal on the 5^th business day following the day of deposit.  All ATMs that we own or operate are identified as our machines.

Holds on Other Funds.  If we cash a check for you that is drawn on another institution, we may withhold the availability of a corresponding amount of funds that are already in your account.  Those funds will be available to you at the time that the funds from the check we cashed for you would have been available if you had deposited it.  If we accept for deposit a check that is drawn on another 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 us.  The funds in the other account would then not be available for withdrawal until the time periods that are described elsewhere in this policy for the type of check that you deposited.

Location of Check Endorsements.  Federal law requires all check endorsements to be in the first 1-1/2 inches of the trailing edge of the back of the check.  The trailing edge is opposite the left side of the face of the check, the side of the check just behind our address.  You will be responsible for any costs incurred by us due to delays in returning checks deposited into your account that do not comply with the endorsement standards.

Dividend Payment Policy.  See the Account Disclosures section in the Agreements and Disclosures for our policy on the payment of dividends.