Steve,

Interesting as respects to all the banking news, Chase is changing their funds availability policy on checking and savings account large deposits effective March 24, 2013. The first $200 will no longer be available the first day from the deposit (changed to the seventh day).


See attachment below:


IMPORTANT UPDATES ON ACCOUNT AGREEMENT

We will be making the following changes to the Deposit Account Agreement for Chase
checking and savings accounts, effective March 24, 2013.

We have:
- Added the following language to the Important Definitions section: Debit card
transaction: Includes any purchase from a merchant using your ATM card or debit card.
- Modified the agreement to clarify that we will only send one copy of any notice
relating to your account, even if the account has more than one owner.

- Revised our Funds Availability Policy. Under Longer Delays May Apply, we describe
circumstances where funds may not be available until the seventh business day after the day of deposit. We are deleting the sentence saying that the $200 from your deposit will be available on the next business day, so if we delay availability in those cases the delay may apply to the full amount of the deposit.

All other terms of your account agreement remain the same. If you have any questions about the changes, please call us at the number on the statement or visit your nearest branch

Jan 17, 2013