Bank of Whittier

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We at the Bank of Whittier aspire to cultivate a bigger and more prosperous
family, the Family of the Bank of Whittier. Please contact us at
562-945-7553 extension 117, 118,123, or 120 in order to speak with one of our Private Bankers.

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Funds Availability Act

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the 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.

Exceptions. We may let you withdraw money from your Account before the Maturity Date
without an early withdraw penalty: (1) when one or more of you dies or is determined legally
incompetent by a court or other administrative body of competent jurisdiction; or (2) when
the Account is an Individual Retirement Account (IRA) established in accordance with 26
USC 408 and the money is paid within seven (7) days after the Account is opened; or (3)
when the Account is a Keogh Plan (Keogh), if you forfeit at least the income earned on the
withdrawn funds; or (4) if the Account is an IRA or a Keogh Plan established pursuant to 26
USC 408 or 26 USC 401, when you reach age 59 1/2 or become disabled; of (5) within an
applicable grace period of 10 days after the Maturity Date.