Common use of Debit Card Transactions Clause in Contracts

Debit Card Transactions. These are transactions where you use your debit card and you enter your PIN number at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends on the merchant. o Signature Debit Card Transactions. These are transactions where you make a purchase with your debit card and you do not enter your PIN but you are instead asked to sign for the purchase. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against the available funds in your account. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for the transaction, it is processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after you signed for it, depending on the merchant and its processing company. These payment requests are received in real time throughout the day and are posted to your account as they are received. Please note: the amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, if you use your card at a restaurant, a hold will be placed in the amount of the bill presented to you, but when the transaction posts it will include any tip that you may have added to the bill. This may also be the case where you swipe your debit card at gas stations and hotels and other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. This is a general description of how certain types of transactions are posted. These practices may change and we reserve the right to pay items in any order we chose as permitted by law. We may receive multiple deposit and withdrawal transactions on your account in many different forms throughout each business day. This means that you may be charged more than one $29 fee if we pay multiple transactions when your account is overdrawn. The best way to know how much money you have and avoid paying overdraft fees is to record and track all of your transactions closely. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit, social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Additional information is found in your Account Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT OR HAVE ANY QUESTIONS, PLEASE CONTACT US AT 303-425- 6627, MONDAY THROUGH FRIDAY, 9 AM TO 5 PM MOUNTAIN TIME. TRUTH IN SAVINGS DISCLOSURE – SHARES Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

Debit Card Transactions. These are transactions where When you use your debit card and you enter your PIN number at Credit Union Debit Card for payment, the merchant requests Credit Union to authorize the transaction amount. At the time of the sale. They are similar request, we authorize (promise to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends on pay) or decline the merchant’s request. o Signature Debit Card Transactions. These are transactions where you make a purchase with If we authorize (promise to pay) we will reduce your debit card and you do not enter your PIN but you are instead asked to sign for the purchase. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against the available funds in your account. We refer to this temporary hold as an “authorization hold,” and Available Balance by the amount of the merchant’s authorization hold will request. Some merchants (e.g., hotels, restaurants, gas stations, car rental agencies) request an authorization that is an estimated amount of the anticipated purchase instead of the full purchase amount. As a result, the reduction of your Available Balance may be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for less or greater than the transaction, it is processed by the merchant and submitted to us final debit card transaction amount presented for payment. This can happen hours or sometimes days after you signed for it, depending on It is important to note that your Available Balance may change between the merchant time a debit card transaction is authorized and its processing company. These payment requests are received in real time throughout the day and are posted to your account as they are received. Please note: the amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, if you use your card at a restaurant, a hold will be placed in the amount of the bill presented to you, but when the transaction posts it will include any tip that you may have added to the bill. This may also be the case where you swipe your debit card at gas stations and hotels and other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction is presented for payment. This Debit Card authorizations will be reflected as pending transactions from the time we receive the authorization until the merchant presents the item for payment, a completion message is received, or three business days, whichever occurs first. If the Debit Card authorization has not been presented for payment after three business days, it will be removed from your pending transactions and your Available Balance will no longer be reduced by the authorization amount. Due to prior authorization (promise to pay), if the Debit Card transaction is presented for payment at a general description later date we will pay the item regardless of how certain types of transactions are postedyour Available Balance. These practices may change and we reserve If any Debit Card transaction results in a negative Available Balance at the right to pay items in any order we chose as permitted by law. We may receive multiple deposit and withdrawal transactions on time it is presented for payment, even if your account in many different forms throughout each business day. This means that Available Balance was positive at the time the debit card transaction was authorized, you may be charged a fee. For more than one $29 fee if we pay multiple transactions when information on Available Balance please see above in this Agreement. Please know, it is your responsibility to ensure your account is overdrawnhas a sufficient Available Balance to cover all transactions you conduct. The best way to know how much money you have and avoid paying overdraft fees is to We recommend keeping a record and track all of your transactions closely. Although balance and deducting every transaction at the time you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit, social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Additional information is found in your Account Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT OR HAVE ANY QUESTIONS, PLEASE CONTACT US AT 303-425- 6627, MONDAY THROUGH FRIDAY, 9 AM TO 5 PM MOUNTAIN TIME. TRUTH IN SAVINGS DISCLOSURE – SHARES Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accountsinitiate it.

Debit Card Transactions. These are transactions where you use your debit card and you enter your PIN number at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends on the merchant. o Signature Debit Card Transactions. These are transactions where you make a purchase with your debit card and you do not enter your PIN but you are instead asked to sign for the purchase. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against the available funds in your account. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for the transaction, it is processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after you signed for it, depending on the merchant and its processing company. These payment requests are received in real time throughout the day and are posted to your account as they are received. Please note: the amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, if you use your card at a restaurant, a hold will be placed in the amount of the bill xxxx presented to you, but when the transaction posts it will include any tip that you may have added to the billxxxx. This may also be the case where you swipe your debit card at gas stations and hotels and other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. This is a general description of how certain types of transactions are posted. These practices may change and we reserve the right to pay items in any order we chose as permitted by law. We may receive multiple deposit and withdrawal transactions on your account in many different forms throughout each business day. This means that you may be charged more than one $29 35 fee if we pay multiple transactions when your account is overdrawn. The best way to know how much money you have and avoid paying overdraft fees is to record and track all of your transactions closely. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit, social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Additional information is found in your Account Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT OR HAVE ANY QUESTIONS, PLEASE CONTACT US AT 303-425- 6627, MONDAY THROUGH FRIDAY, 9 AM TO 5 PM MOUNTAIN TIME. TRUTH IN SAVINGS DISCLOSURE – SHARES Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

Debit Card Transactions. These are transactions where you use your debit card and you enter your PIN number at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from both your account actual balance and your available balance immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends on the merchant. o Signature Debit Card Transactions. These are transactions where you make a purchase with your debit card and you do not enter your PIN but you are instead asked to sign for the purchasePIN. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against and deduct the amount of the transaction from your available funds in your accountbalance. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for the transaction, it is processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after you signed for it, depending on the merchant and its processing company. These payment requests are received in real time throughout the day and are posted to your account as they are received. Please note: the amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, if you use your card at a restaurant, a hold will be placed in the amount of the bill xxxx presented to you, but when the transaction posts it will include any tip that you may have added to the billxxxx. This may also be the case where you swipe your debit card at gas stations and hotels and other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. This is a general description of how certain types of transactions are posted. These practices may change and we reserve the right to pay items in any order we chose as permitted by law. We may receive multiple deposit and withdrawal transactions on your account in many different forms throughout each business day. This means that you may be charged more than one $29 fee if we pay multiple transactions when your account is overdrawn. The best way to know how much money you have and avoid paying overdraft fees is to record and track all of your transactions closely. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit, social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Additional information is found in your Account Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT OR HAVE ANY QUESTIONS, PLEASE CONTACT US AT 303-425- 6627, MONDAY THROUGH FRIDAY, 9 AM TO 5 PM MOUNTAIN TIME. TRUTH IN SAVINGS DISCLOSURE – SHARES Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

Debit Card Transactions. These are transactions where you use your debit card and you enter your PIN number at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends on the merchant. o Signature Debit Card Transactions. These are transactions where you make a purchase with your debit card and you do not enter your PIN but you are instead asked to sign for the purchase. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against the available funds in your account. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for the transaction, it is processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after you signed for it, depending on the merchant and its processing company. These payment requests are received in real time throughout the day and are posted to your account as they are received. Please note: the amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, if you use your card at a restaurant, a hold will be placed in the amount of the bill xxxx presented to you, but when the transaction posts it will include any tip that you may have added to the billxxxx. This may also be the case where you swipe your debit card at gas stations and hotels and other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. This is a general description of how certain types of transactions are posted. These practices may change and we reserve the right to pay items in any order we chose as permitted by law. We may receive multiple deposit and withdrawal transactions on your account in many different forms throughout each business day. This means that you may be charged more than one $29 fee if we pay multiple transactions when your account is overdrawn. The best way to know how much money you have and avoid paying overdraft fees is to record and track all of your transactions closely. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit, social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Additional information is found in your Account Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT OR HAVE ANY QUESTIONS, PLEASE CONTACT US AT 303-425- 6627, MONDAY THROUGH FRIDAY, 9 AM TO 5 PM MOUNTAIN TIME. TRUTH IN SAVINGS DISCLOSURE – SHARES Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts.

Debit Card Transactions. These are transactions where you use your debit card and you enter your PIN number at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends on the merchant. o  Signature Debit Card Transactions. These are transactions where you make a purchase with your debit card and you do not enter your PIN but you are instead asked to sign for the purchase. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we generally place a temporary hold against the available funds in your account. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance. Authorizations are deducted from your available balance but not your actual balance as they are received by us throughout each day. At some point after you sign for the transaction, it is processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after you signed for it, depending on the merchant and its processing company. These payment requests are received in real time throughout the day and are posted to your account as they are received. Please note: the amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, if you use your card at a restaurant, a hold will be placed in the amount of the bill xxxx presented to you, but when the transaction posts it will include any tip that you may have added to the billxxxx. This may also be the case where you swipe your debit card at gas stations and hotels and other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. This is a general description of how certain types of transactions are posted. These practices may change and we reserve the right to pay items in any order we chose as permitted by law. We may receive multiple deposit and withdrawal transactions on your account in many different forms throughout each business day. This means that you may be charged more than one $29 35 fee if we pay multiple transactions when your account is overdrawn. The best way to know how much money you have and avoid paying overdraft fees is to record and track all of your transactions closely. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit, social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Additional information is found in your Account Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT OR HAVE ANY QUESTIONS, PLEASE CONTACT US AT 303(000) 000-425- 66270000, MONDAY THROUGH FRIDAY, 9 AM TO 5 4:30 PM MOUNTAIN PACIFIC TIME. TRUTH IN SAVINGS DISCLOSURE – SHARES Except as specifically describedIf you prefer not to have Overdraft Service, the following disclosures apply please contact us at (000) 000-0000, Monday through Friday, 9 am to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accounts4:30 pm Pacific Time.

Debit Card Transactions. These are transactions where you use your debit card and you enter your PIN number at the time of the sale. They are similar to ATM withdrawals because money is usually deducted from your account immediately at the time of the transaction. However, some POS transactions are not presented for payment immediately; it depends on the merchant. o Signature Debit Card Transactions. These are transactions where you I make a purchase with your debit card and you do not enter your PIN but you are instead my Debit Card. I may be asked to sign or input a PIN for the purchase, depending on the merchant. As described above, in these situations, the merchant may seek prior authorization for the transaction. When that happens, we the Credit Union will generally place a temporary hold against the available funds in your my account. We refer The Credit Union refers to this the temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your my available balance. Authorizations are deducted from your my available balance but not your actual balance my current balance, as they are received by us the Credit Union receives them throughout each day. At some point point, after you sign for I authorize the transaction, it is processed by the merchant and submitted to us the Credit Union for paymentposting to my account. This can happen hours or sometimes days (weeks or even months) after you I signed for it, depending on the merchant and its processing company. These I understand that these payment requests are usually received in real time throughout the day and are posted to your my Credit Union account as they are received. Please note: the The amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, if you I use your card my Credit Union Debit Card at a restaurant, a hold will be placed in on the amount of the bill presented to you, me but when the transaction posts posts, it will include any tip that you I may have added to the bill. This may also be the case where you when I swipe your debit card my Debit Card at gas stations and hotels stations, hotels, and other types of retail establishments. We For example, if I have $40 in my account and use my Debit Card at a gas station, the station may ask the Credit Union to authorize $50 even though I only intended to pump $20 of gas. My available balance will be reduced by $50 until the final payment transaction is presented to the Credit Union and money is paid from my account. The Credit Union cannot control how much a merchant asks us the Credit Union to authorize, authorize or when a merchant submits a transaction for payment. This The fact that the Credit Union puts an authorization hold on my available balance does not mean the authorization is a general description of how certain types of transactions are posted. These practices may change set aside and we reserve the right made available to pay items in any order we chose as permitted by law. We may receive multiple deposit and withdrawal transactions on your account in many different forms throughout each business day. This means that you may be charged more than one $29 fee if we pay multiple transactions when your account is overdrawnthe specific transaction authorized. The best way to know how much money you have hold is simply a temporary reduction in my available balance because the Credit Union has authorized a transaction and avoid paying overdraft fees is to record and track all of your transactions closely. Although you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out of Courtesy Pay at any time. If you do not want us therefore obligated to pay your overdrafts, you must tell us (“opt-out”). If you receive a direct deposit, social security or other federal benefit check, you must opt-out if you do not want us to apply those funds to repay an overdraft. Additional information is found in your Account Agreement. IF YOU DO NOT UNDERSTAND THIS AGREEMENT OR HAVE ANY QUESTIONS, PLEASE CONTACT US AT 303-425- 6627, MONDAY THROUGH FRIDAY, 9 AM TO 5 PM MOUNTAIN TIME. TRUTH IN SAVINGS DISCLOSURE – SHARES Except as specifically described, the following disclosures apply to all of the accounts. All accounts described in this Truth-In-Savings Disclosure are share accountsit when presented.