This is important information about your ability to withdraw funds from:

Erebor Bank, NA 500 Neil Avenue

Suite 140

Columbus, OH 43215

614-233-1797

This policy statement applies to “transaction accounts” and savings accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. Feel free to ask us whether any of your other accounts might also be under this policy.

Availability of Electronic Direct Deposits

Funds from electronic direct deposits (such as ACH credits, including payroll, government benefits, and other employer or corporate deposits) will generally be available no later than the first business day after the day we receive the deposit. In many cases, these funds are available on the same business day when the transaction is transmitted to us.

Availability of Wire Transfers

Funds from wire transfers will generally be available for withdrawal no later than the first business day after the day we receive the transfer. In many cases, they are available the same business day we receive the wire transfer, depending on when the transaction was received by us.

Availability of Internal Transfers

Funds transferred between your eligible accounts with us are credited and available when the transfer is completed on our system. In most cases, internal transfers are processed immediately and are available the same calendar day, including weekends and holidays.

Availability of Stablecoin Conversions

If you have executed a Stablecoin Custody Agreement, for incoming Stablecoin Conversions, funds in your deposit account resulting from the Stablecoin Conversion will be available on the calendar day of the on-chain transfer of stablecoins from your Custody Account to the Bank’s designated account. Stablecoins that remain in your custody account before transfer are not deposits, are not available for withdrawal, do not earn interest, and are not insured by the FDIC.

Determining the Day of Your Deposit

For determining the availability of your deposits: ACH credits, wire transfers, and other electronic deposits processed through the Federal Reserve or other payment networks – A business day means any calendar day other than a Saturday, Sunday, or federal holiday when the Federal Reserve Bank is open for processing payments. If we receive your deposit before 3:00 PM ET on a business day we are open, that day will be considered the day of deposit. Deposits received after 3:00 PM ET, or on a day we are not open, will be considered received on the next business day we are open.

Internal transfers

Funds transferred between your eligible accounts with us are credited when the transfer is completed on our system. The day of deposit is the calendar day (including weekends and holidays) on which the transfer posts to your receiving account.

Stablecoin Conversions

If you have executed a Stablecoin Custody Agreement, for incoming Stablecoin Conversions, the day of deposit of funds to your deposit account resulting from the Stablecoin Conversion is the calendar day of the on-chain transfer of stablecoins from your Custody Account to the Bank’s account.

Responsibility for Returned Deposits

Even after we make funds available and you withdraw them, you remain responsible if a deposit is reversed or otherwise fails to clear. If the account balance is insufficient, you are responsible for immediately repaying any resulting negative balance.

Please remember that even after we have made funds available to you, and you have withdrawn the funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.