; (II) by inserting a comma after subparagraph (B) ; (III) by striking is ; and (IV) by striking and the business day on which funds from such deposit are available for withdrawal and inserting shall be available for withdrawal in real-time ; and (ii) in subparagraph (B), in the subparagraph heading, by striking paragraph and inserting subparagraph ; and (B) in paragraph (2)— (i) by striking , (b), and (c) and inserting and (b) ; and (ii) in the paragraph heading, by striking temporary and permanent schedules and inserting permanent schedule ; and (6) in subsection (d)(2), as redesignated by paragraph (4), by striking (c), or (e) and inserting or (c) . (c) Safeguard exceptions Section 604 of the Expedited Funds Availability Act ( 12 U.S.C. 4003 ) is amended— (1) in subsection (a)— (A) in paragraph (1)— (i) in the paragraph heading by striking Next business day and inserting Real-time ; and (ii) in the matter following subparagraph (D) by striking on the business day after the business day on which such cash or funds are deposited or, in the case of a wire transfer, on the business day after the business day on which and inserting in real-time after such cash or funds are deposited or, in the case of a wire transfer, in real-time after ; (B) in paragraph (2)— (i) by striking , 603(c), or paragraphs and inserting paragraph ; and (ii) by striking 603(e) and inserting 603(c) ; and (C) by striking paragraph (3)(B) and inserting the following: (B) any such funds deposited in excess of such amount shall be available for withdrawal in real-time. ; (2) in subsection (b), in the matter preceding paragraph (1), by striking (c), or (e) and inserting or (c) ; (3) in subsection (c)(1), by striking (c), and (e) and inserting and (c) ; and (4) in subsection (d), in the matter preceding paragraph (1), by striking (c), and (e) and inserting and (c) . (d) Miscellaneous provisions Section 607 of the Expedited Funds Availability Act ( 12 U.S.C. 4006 ) is amended— (1) by striking subsections (a) and (b)