Notice of Delayed Availability

NOTICE OF DELAYED AVAILABILITYCOMMUNITY BANK

Date:______Branch: ______

TO:[

[

Account No.

Total Deposit:Date of Deposit:

Available Next Day:Date Available:Next Business Day

Amount Held:Date Available:

 $200 of non next-day items was made available no later than the next business day.

 Funds were made available due to cash back from deposit

 $200 of non next-day items was NOT made available due to the New Account Hold or Exception Hold noted below.*

REASON FOR HOLD:

 CASE BY CASE HOLD (available on 2ndbusiness day after day of deposit)

 NEW ACCOUNT HOLD – you are a new customer to the bank and your account has been opened 30 days or less.

 EXCEPTION HOLD (available on 7th business day after day of deposit)

 The checks you deposited on this day exceed $5,000.

 The first $5,000 of this deposit is subject to the Case by Case Hold.

 *The check you deposited was previously returned unpaid due to Non-Sufficient Funds

 *You have overdrawn your account repeatedly in the last six months

 *An emergency such as a failure of communications or computer equipment has occurred

 *We believe a check you deposited will not be paid for the following reasons:

 We received notice that the check is being returned unpaid

 We have confidential information that indicates the check may not be paid

 The check is drawn on an account with repeated overdrafts

 We are unable to verify the endorsement of a joint payee

 Some information on the check is not consistent with other information on the check

 There are erasures or other apparent alterations on the check

 The routing number of the paying bank is not a current routing number

 The check is postdated or has a stale date

 Information from the paying bank indicates that the check may not be paid

 We have been notified that the check has been lost or damaged in collection

 Other:

 This Notice was given to the customer at the time of deposit.

 This Notice was mailed to the customer on

If you did not receive this notice at the time you made the deposit, and the check you deposited is paid, we will refund to you any fees for overdrafts or returned checks that result solely from the additional delay that we are imposing. To obtain a refund of such fees, call us at

or write us us at .