Common use of Authorization Holds for Debit Card Transactions Clause in Contracts

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card Card to pay for goods or services, you understand that some participating merchants (such as hotels, car rental companies, restaurants or gas stations) may initiate electronic notices seeking validation of the merchant may seek preauthorization from us for Card and/ or authorization of the anticipated purchase transaction. When we preauthorize the transactionUpon a merchant seeking validation or authorization, we commit to make the requested funds available when the transaction finally posts and as such, we generally may place a temporary hold against some or all of the funds in Checking Account for the account linked to amount requested by the merchant if your debit card, based on account’s available balance is sufficient for the requested transaction. Such an anticipated purchase amount may exceed the amount of the preauthorization request from actual purchase transaction or may be less than the merchantactual purchase transaction amount. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance (generally in real time as authorization requests they are received by us throughout each day. 2). How Does an Authorization Hold Affect Your Available Balance? Until Subsequently, when the transaction finally settles or and posts to your account, we otherwise remove will release the hold (and post the transaction to your account. No overdraft fees will be imposed on the transaction if the available balance was sufficient for example, we may remove the hold because it exceeds merchant’s request at the time permitted or we determine that it the authorization hold was placed, even if the available balance is unlikely insufficient to be processed), pay the funds subject to transaction at the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transactionposting. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submittedsubmitted (such as a gas station purchase). For example, this This can happen in connection with transactions at a restaurant or a gas station, where your debit card is authorized swiped before your actual transaction amount is known, such as at a restaurant (where because you may choose to add a tip to a restaurant transaction or because the transaction amount) or a amount of gas stationyou pump is unknown when your card is swiped. For these types of those transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. Prohibited Activity or Transactions – Your Card(s) and/or account may not be used for any illegal activity or transaction. Further, you may not utilize your Card(s) and/or account for the purchase of any goods or services online that involve gambling of any sort. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network and any betting transaction, including the purchase of lottery tickets or casino gaming chips or off-track betting or wagering. We may deny authorization of any transactions identified as online gambling. However, in the event that a charge or transaction described in this paragraph is approved and processed, you will still be responsible for such charges.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance Available Balance as authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balanceAvailable Balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card Card to pay for goods or services, you understand that some participating merchants (such as hotels, car rental companies, restaurants or gas stations) may initiate electronic notices seeking validation of the merchant may seek preauthorization from us for Card and/ or authorization of the anticipated purchase transaction. When we preauthorize the transactionUpon a merchant seeking validation or authorization, we commit to make the requested funds available when the transaction finally posts and as such, we generally may place a temporary hold against some or all of the funds in Checking Account for the account linked to amount requested by the merchant if your debit card, based on account’s available balance is sufficient for the requested transaction. Such an anticipated purchase amount may exceed the amount of the preauthorization request from actual purchase transaction or may be less than the merchantactual purchase transaction amount. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance (generally in real time as authorization requests they are received by us throughout each day. 2). How Does an Authorization Hold Affect Your Available Balance? Until Subsequently, when the transaction finally settles or and posts to your account, we otherwise remove will release the hold (and post the transaction to your account. No overdraft fees will be imposed on the transaction if the available balance was sufficient for example, we may remove the hold because it exceeds merchant’s request at the time permitted or we determine that it the authorization hold was placed, even if the available balance is unlikely insufficient to be processed), pay the funds subject to transaction at the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transactionposting. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submittedsubmitted (such as a gas station purchase). For example, this This can happen in connection with transactions at a restaurant or a gas station, where your debit card is authorized swiped before your actual transaction amount is known, such as at a restaurant (where because you may choose to add a tip to a restaurant transaction or because the transaction amount) or a amount of gas stationyou pump is unknown when your card is swiped. For these types of those transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.. Prohibited Activity or Transactions – Your Card(s) and/or account may not be used for any illegal activity or transaction. Further, you may not utilize your Card(s) and/or account for the purchase of any goods or services online that involve gambling of any sort. Such transactions include, but may not be limited to, any quasi-cash or online gambling transaction, any electronic commerce transaction conducted over an open network and any betting transaction, including the purchase of lottery tickets or casino gaming chips or off-track betting or wagering. We may deny authorization of any transactions identified as online gambling. However, in the event that a charge

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.the

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” or “pending transaction” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. At some point after you sign for authorize 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance Available Balance as authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles settles, or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From from the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balanceAvailable Balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.

Authorization Holds for Debit Card Transactions. 1You may make electronic services withdrawals, advances or purchases only to the extent you have available funds in your share account and/or overdraft source (including the courtesy pay service, under which we reserve the right to pay your overdraft transactions). What is an Authorization Hold? When you use your ATM card or Visa debit card to pay for goods certain electronic services with a merchant, a hold may be placed on your checking account or services, the merchant other accessed account. The hold may seek preauthorization from us be for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and transaction, or a pre-established amount in excess of or less than the amount of individual transactions. The held funds will not be available for other account purposes, and we have the authorization right to return checks or other items drawn against your account to maintain sufficient funds to pay for any previously authorized transactions. The hold will be subtracted from your available balance as released when a matching transaction is settled. In the event that the amount settled does not match the authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for exampleamount, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you released and may generally be held for other purposesa maximum number of five (5) business days (or thirty (30) business days for certain types of debit card transactions). 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known You must refer to the merchant when the section entitled “Authorization Holds for Debit Card Transactions” below in this Electronic Services Agreement and Disclosure for more detailed information about how authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in holds affect your available balance. You understand and agree that we accept funds deposited at an ATM subject to verification and collection, and receipts issued by an ATM are binding only after verification. We canmay place a hold for uncollected funds on an item you deposit. This could delay your ability to withdraw such funds. The delay will depend upon our policies as permitted by law, and you should refer to our Funds Availability Policy for details. We are not control how much responsible for delays in a merchant asks us deposit posting due to authorize, improper identification in the deposit envelope or when a merchant submits a transaction for paymentimproper keying of your transaction.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.actual

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received.have 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from ask us for to authorize the transactiontransaction and may estimate its final value. When we preauthorize authorize the transaction, we commit to make the requested funds available when the transaction finally posts settles and as such, we generally may place a temporary hold against some or all of the funds in the account linked to your debit card. Until the transaction finally settles or we determine that it is unlikely to be processed, based on the amount of funds subject to the preauthorization request from the merchanthold will not be available to you for other purposes. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance (generally in real time as authorization requests they are received by us throughout each day. 2). How Does an Authorization Hold Affect Your Available Balance? Until We will only charge your account for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transactionsettles. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this This can happen in connection with transactions at a restaurant or a gas station, where your debit card is authorized swiped before your actual transaction amount is known, such as at a restaurant (where or because you may choose to add a tip to a restaurant transaction or because the transaction amount) or a amount of gas stationyou pump is unknown when your card is swiped. For these types of those transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We canare permitted to place an authorization hold on your account for up to three (3) business days from the time of the authorization or until the transaction is paid from your account. However, if the transaction is not control how much a merchant asks us to authorize, or when a merchant submits a transaction submitted for payment, we will release the authorization hold, which will increase your available balance until the transaction is submitted for payment by the merchant and finally posted to your account. If this happens, we must honor the prior authorization and will pay the transaction from your account. In certain instances, when the amount of the authorization hold is either more or less than the amount of the actual transaction, we may maintain the authorization hold even after the purchase amount is actually paid from your account. However, in these instances, we will not maintain an authorization hold for longer than three (3) business days. We urge you to record and closely track all of your transactions to confirm that your available balance accurately reflects your spending of funds from the account linked to your debit card.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day. 2. • How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. • The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. • Length of an Authorization Hold. We are permitted to place an authorization hold on your account for up to three (3) business days (or for up to thirty (30) business days for certain types of debit card transactions) from the time of the authorization or until the transaction is paid from your account. However, if the transaction is not submitted for payment, we will release the authorization hold, which will increase your available balance until the transaction is submitted for payment by the merchant and finally posted to your account. If this happens, we must honor the prior authorization and will pay the transaction from your account. In certain instances, when the amount of the authorization hold is either more or less than the amount of the actual transaction, we may maintain the authorization hold even after the purchase amount is actually paid from your account, which will decrease your available balance. However, in these instances, we will not maintain an authorization hold for longer than three (3) business days (or for up thirty (30) business days for certain transactions).

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use make a purchase with your debit card to pay for goods or servicescard, the merchant may seek preauthorization from us our prior authorization for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we We generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization card if and when an authorization request from the merchantis obtained. We refer to this temporary hold as an “"authorization hold,” and the amount of the authorization hold will be subtracted from your available balance (generally in real time as authorization requests they are received by us throughout each day. 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. 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. We have no control over when a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount of an Authorization Hold May Differ From the Amount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submittedsubmitted (such as a gas station purchase). For example, this can happen in connection with transactions where your debit card is authorized before your actual transaction amount is known, such as at a restaurant (where you may choose to add a tip to the transaction amount) or a gas station. For these types of those transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We canare permitted to place an authorization hold on your account for up to three (3) business days (or for up to thirty (30) business days for certain types of debit card transactions) from the time of the authorization. If the transaction is not control how much a submitted for payment by the merchant asks us within the specified time period, however, we will release the authorization hold, which will increase your available balance until the transaction is submitted for payment by the merchant and finally posted to authorizeyour account. If this happens, or when a merchant submits a we must honor the prior authorization and will pay the transaction for paymentfrom your account. We urge you to record and track all of your transactions closely to confirm that your available balance accurately reflects your spending of funds from the account linked to your debit card.

Authorization Holds for Debit Card Transactions. 1. What is an Authorization Hold? When you use your debit card to pay for goods or services, the merchant may seek preauthorization from us for the transaction. When we w e preauthorize the transaction, we w e commit to make the requested funds available when w hen the transaction finally f inally posts and as such, we w e generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day.this 2. How Does an Authorization Hold Affect Your Available Balance? Until the transaction finally settles or we otherwise w e otherw ise remove the hold (for example, we w e may remove the hold because it exceeds the time permitted or we w e determine that it is unlikely unlikel y to be processed), the funds subject to the hold will w ill not be available to you for other purposes. 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. We have no control c ontrol over when w hen a merchant may present an item for payment. Merchant payment requests are received in real time throughout the day and are posted to your account as they are received. 3. The Amount Am ount of an Authorization Hold May Differ From the Amount Am ount of the Actual Transaction. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when w hen the authorization request is submitted. For example, this can happen in connection with w ith transactions where w here your debit card is authorized before your actual transaction amount is knownknow n, such as at a restaurant (where w here you may choose to add a tip to the transaction amount) or a gas station. For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we w e may not receive an authorization request from the merchant, and there will w ill be no authorization hold reflected in your y our available balance. We cannot control how much a merchant asks us to authorize, or when w hen a merchant submits a transaction for payment. 4. Length of an Authorization Hold. We are permitted to place an authorization hold on your account for up to three ( 3) business days (or for up to thirty (30) business days for certain types of debit card transactions) from the time of the authorization or until the transaction is paid from your account. How ever, if the transaction is not submitted for payment, w e w ill release the authorization hold, w hich w ill increase your available balance until the transaction is submitted for payment by the merchant and f inally posted to your account. If this happens, w e must honor the prior authorization and w ill pay the transaction from your account. 5. Your Available Balance and Debit Card Transactions . Everyday debit card transactions are processed against your account at tw o different times: first, w hen the transaction is authorized, and again w hen the transaction actually settles to your account, usually days later. This delay betw een the time a particular transaction is authorized and w hen it actually settles to your account is solely w ithin the control of the merchant and its processor. The Credit Union has no control w ith respect to the time period that elapses betw een the time a merchant seeks authorization and finally submits the transaction for settlement. Exam ple 1: Purchase transactions w here the final am ount is initially unknow n . The most common examples of a purchase transaction w here the final amount is initially unknow n are gas station purchases, restaurant charges, hotel and car reservations. In such cases the transaction w ill be communicated to the Credit Union for authorization in one amount, but w hen the transaction actually settles your Account it does so for a greater amount. For example, if you use your debit card to pay at the pump for a gasoline purchase, you typically must utilize your debit card before operating the pump. The Credit Union may receive an authorization request in the amount of $15.00. At the time of the authorization request, the available balance in your account is $30.00, so the Credit Union approves the authorization request, and the available balance in your account is reduced to $15.00. You proceed w ith the transaction, and purchase gasoline totaling $40.00. When that transaction actually settles to your Account in the amount of $40.00 as opposed to the $15.00 that w as authorized, the available balance in your Account is not sufficient to Exam ple 2: Purchase transactions w here intervening item s paid betw een authorization and settlement result in the overdrafting of your Account . Assume the same gas station scenario as described in Example 1, except that you purchase gasoline totaling just $15.00, so the authorized amount of the transaction is the same as the settlement amount of the transaction. How ever, betw een the day the