Common use of Regulatory Authority Clause in Contracts

Regulatory Authority. If you believe that any provision of the New Jersey Electronic Funds Transfer Act has been violated, you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxx, Xx. 22314-3428 Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in Your account (plus your maximum overdraft line of credit). If you tell us within two business days, you could lose no more than $50.00 if someone used Your card without Your permission. Also, if Your statement shows transfers that you did not make, tell Us at once. If you do not tell Us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If you believe Your card and/or code has been lost or stolen, or that someone has transferred money from Your account without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate Your complaint or question. If We decide to do this, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are open.

Regulatory Authority. If you believe that any provision of the New Jersey Electronic Funds Transfer Act has been violated, you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxx, Xx. 2231400000-3428 0000 Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in Your account (plus your maximum overdraft line of credit). If you tell us within two business days, you could lose no more than $50.00 if someone used Your card without Your permission. Also, if Your statement shows transfers that you did not make, tell Us at once. If you do not tell Us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If you believe Your card and/or code has been lost or stolen, or that someone has transferred money from Your account without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate Your complaint or question. If We decide to do this, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 XX Xxx 000 000 Xxxxxxxxxxxx Xxxx PaulsboroXxxxxxxxx, NJ 08066 XX 00000 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are open.

Regulatory Authority. If you believe that any provision of the New Jersey Michigan Electronic Funds Transfer Act has been violated, violated you should notify: NCUA 0000 Xxxx notify the National Credit Union Administration, Region 1 – Albany, 0 Xxxxxxxxxx Xxxxxx, Xxxxxxxxxx Xxxxxx Xxxxxxxxx, XxXxxxxx, XX 00000. 22314-3428 YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS Tell us AT ONCE if you believe your card and/or code has been lost or stolenstolen or if you believe that an EFT has been made without your permission using information from your check. For Debit MasterCardsonly, callthe 24 hourservicenumber immediately at 0-000-000-0000; otherwise call the number shown below. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in Your your account (plus your maximum overdraft line of credit)and in any backup account. If you tell us within two 2 business days, you could can lose no more than $50.00 50 if someone used Your your card and/or code without Your your permission. (If you believe your card and/ or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.) If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if Your your statement shows transfers that you did not make, tell Us us at once. If you do not tell Us us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. AdditionalLimitsonLiabilityforDebitMasterCard, when used for point-of-sale transactions: You will not be liable for any unauthorized transactions using your Debit MasterCard, when used for point-of-sale transactions, if: (i) you report the loss or theft of your card within a reasonable time period, (ii) you can demonstrate that you have exercised reasonable care in safeguarding your card from the risk of loss or theft, (iii) you have not reported to us two or more incidents of unauthorized use within the prior twelve- month period, and (iv) your account is in good standing. If any of these conditions are not met, your liability is the lesser of $50 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us. “Unauthorized use” means the use of your debit card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limitation on liability does not apply to PIN-based transactions or transactions not processed by MasterCard. Contact in event of unauthorized transfer: If you believe Your your card and/or code has been lost or stolen, stolen or that someone has transferred or may transfer money from Your your account without your permission, call or write us at the following telephone number or address listed on this brochure. address: TRAVERSE CATHOLIC FEDERAL CREDIT UNION P. O. Xxx 000 Xxxxxxxx Xxxx, XX 00000-0000 Phone: 000-000-0000 OR 800-207-9780 (Business Hours only) For lost or stolen Debit MasterCards call 1-888- 000-0000 at any time ERROR RESOLUTION NOTICE In case of errors or questions about Your your electronic transfertransfers, call or write Us us at the telephone number or address listed in this brochure, as soon as you can. If , if you think Your your statement or receipt is wrong or if you need more information about a transfer listed on Your the statement or receipt, we . We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. • Tell us your name and account number. number (if any) • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. error If you tell us orally, we may require that you send us Your your complaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfernew account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction transaction, or a foreign foreign-initiated transfer) to investigate Your your complaint or question. If We we decide to do this, we will re-credit Your your account within 10 business day days (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfernew account) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete Our our investigation. If we ask you to put Your your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice account is considered a new account for the first 30 days after the first deposit is made, unless each of error involves you already has an electronic funds transfer resulting from a Point-of Sale transaction established account open at a Participating Merchant or EFT made other than in least 30 days with us before the United States or Puerto Rico, account is opened. We may take up to 20 business days to investigate the matter and will tell you the results of Our within three business days after completing our investigation. If we need more time to complete Our investigationdecide that there was no error, We we will credit Your account within 20 business days for the amount send you think is in error and take up to 90 days to investigate Your complaint or questiona written explanation. You may ask for copies of Our the documents that we used in our investigation by writing to: Fort Xxxxxxxx Federal contacting us at the phone number or address shown above. BUSINESS DAYS For Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboropurposes under this EFT Disclosure, NJ 08066 business days are Monday through Saturday except: New Year’s Day, Memorial Day, Independence Day, Labor Day, Thanksgiving Day, and Christmas Day. Our offices may be closed at our discretion on days other than those listed here. Please check our web site at xxx.xxxxxx.xxx or call 000-000-0000 or 800-207-9780 to see if any changes have been made since this document was provided to you. Wire Transfer Agreement and Notification (Uniform Commercial Code Article 4A) The following rules shall apply to all wire transfer services provided by the Credit Union. Credit Union may accept, on your behalf, payments to your account that have been submitted by Fedwire. Your rights and obligations with respect to such transfers shall be governed and construed in accordance with Federal Reserve Board Regulation J, Subpart B—Funds Transfers Through Fedwire. These regulations and state law are applicable to wire transfers involving your account. If you give us a payment order that identifies a beneficiary (the person to whom you are wiring funds) by name and account or some other identifying number (such as a Social Security, Taxpayer I.D. or driver’s license number), we may pay the beneficiary on the basis of the number provided to us by you and consider that number to be proper identification. This will be true even if the number you provided to us identifies a person different from the named beneficiary, unless otherwise provided by law or regulation. If you give us a payment order that identifies the beneficiary’s financial institution in the funds transfer by name and Routing, Routing and Transit (“R/T”) or other identifying number, we, as well as the receiving financial institution, may rely on the number provided to us by you as the proper identification. This will be true even if the number provided identifies a financial institution that is different from the named financial institution, unless otherwise provided by law or regulation. Therefore, it is in your best interest to contact the receiving institution to acquire the appropriate wire transfer instructions so that you may feel confident that your money will arrive safely. You, the member, are ultimately responsible for providing accurate information regarding funds transfers and are consequently liable for any losses or expenses should an error occur. You may not be provided with separate notification each time we receive a wire transfer into your account. We will provide you with notification of an incoming wire transfer as part of your periodic statement. In the event we accept payments to your account through one or more Automated Clearing Houses (“ACH”), the operating rules of the National Automated Clearing House Association (“NACHA”) will be applicable to ACH transactions involving your account. These rules do not require that we provide you with next day notice of receipt of an ACH item. Therefore, we will provide you with notification of the receipt of these items as part of your periodic statement. In addition, if we are ever obligated to pay interest on the amount of the transfer, you will be paid interest on a daily basis equal to the current dividend rate that is otherwise applicable to the account from which the funds transfer should have occurred. In the event we are ever liable to you for damages due to a transfer, your damages will be limited to actual damages only. We will not be responsible for incidental or consequential damages, court costs or attorneys fees, unless otherwise provided by law or regulation. We may accept, on your behalf, payments to your account which have been transmitted through one or more Automated Clearing Houses and that are not subject to the Electronic Funds Transfer Act (“Regulation E”). Your rights and obligations with respect to such payments shall be governed and construed in accordance with the applicable Federal Reserve Bank Operating Circular. Whenever an ACH is used as part of a transaction, its rules will govern that part of the transaction. Where none of the above stated rules apply, the transactions contemplated by this agreement shall be governed by the laws of the State of Michigan, including Article 4A of the Michigan Uniform Commercial Code. Credit given by us to you with respect to an ACH entry is provisional until we receive final settlement for the credit entry through a Federal Reserve Bank or other clearing entity. If we do not receive final settlement, you are hereby notified that we are entitled to a refund of the amount credited to you in connection with the credit entry. Moreover, you are hereby notified that the party making payment to you (originator) shall not be deemed to have paid you the amount of the credit entry. FUNDS AVAILABILITY DISCLOSURE This policy statement Disclosure describes your ability to withdraw funds at Traverse Catholic Federal Credit Union. It only applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidaysfunds in transaction accounts; currently the only accounts that are transaction accounts are our Checking accounts. If You make a deposit before 3:00 p.m. on a business day The Credit Union reserves the right to delay the availability of funds deposited to accounts that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are openaffected by this policy.

Regulatory Authority. If you believe that any provision of the New Jersey Electronic Funds Transfer Act has been violated, you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxx, Xx. 22314-3428 Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in Your account (plus your maximum overdraft line of credit). If you tell us within two business days, you could lose no more than $50.00 if someone used Your card without Your permission. Also, if Your statement shows transfers that you did not make, tell Us at once. If you do not tell Us within with 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If you believe Your card and/or code has been lost or stolen, or that someone has transferred or my transfer money from Your account without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we . We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account numbernumber (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate Your complaint or question. If We decide to do this, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are open.

Regulatory Authority. If you believe that any provision of the New Jersey Michigan Electronic Funds Transfer Act has been violated, violated you should notify: NCUA 0000 Xxxx notify the National Credit Union Administration, Region 1 – Albany, 0 Xxxxxxxxxx Xxxxxx, Xxxxxxxxxx Xxxxxx Xxxxxxxxx, XxXxxxxx, XX 00000. 22314-3428 YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS Tell us AT ONCE if you believe your card and/or code has been lost or stolenstolen or if you believe that an EFT has been made without your permission using information from your check. For Debit MasterCardsonly, callthe 24 hourservicenumber immediately at 0-000-000-0000; otherwise call the number shown below. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in Your your account (plus your maximum overdraft line of credit)and in any backup account. If you tell us within two 2 business days, you could can lose no more than $50.00 50 if someone used Your your card and/or code without Your your permission. (If you believe your card and/ or code has been lost or stolen, and you tell us within 2 business days after you learn of the loss or theft, you can lose no more than $50 if someone used your card and/or code without your permission.) If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or code, and we can prove we could have stopped someone from using your card and/or code without your permission if you had told us, you could lose as much as $500. Also, if Your your statement shows transfers that you did not make, tell Us us at once. If you do not tell Us us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If a good reason (such as a long trip or hospital stay) kept you believe Your card and/or code has been lost or stolen, or that someone has transferred money from Your account without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate Your complaint or question. If We decide to do thistelling us, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during extend the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are openperiods.

Regulatory Authority. If you believe that Notification of Regulatory Authorities: This EFT Agreement and the EFT services provided in this EFT Agreement are governed by Federal law and Michigan law. You may notify the State agency noted below of any provision violation of the New Jersey Electronic Funds Transfer Act has been violatedlaw. The address of this agency is as follows: Credit Union Division Department of Insurance and Financial Services X.X. Xxx 00000 Xxxxxxx, you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxx, Xx. 22314-3428 Xxxxxxxx 00000 YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning Calling is the best way of keeping your possible losses down. You could lose all of the money in Your your account (plus your maximum overdraft line of credit). If you tell us within two business days, you could lose no more than $50.00 if someone used Your card without Your permission. Also, if Your statement shows transfers that you did not make, tell Us at once. If you do not tell Us within 60 days after the statement was mailed to you, you may not get back and in any money you lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in timebackup account. If you believe Your your card and/or code has been lost or stolenstolen and you tell us within 2 business days after you learn of the loss or theft, or that you will have no liability if someone has transferred money from Your account used your card and/or code without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell notify us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected errorloss, theft, or unauthorized use of your card or other devices which we supply to you, you will not be liable for any unauthorized use for purchases processed through Visa/Plus provided you were not grossly negligent or fraudulent in handling your card and you provide us with a written statement regarding your unauthorized card claim, otherwise the liability limits set forth below will apply. If you do NOT tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 2 business days (20 after you learn of the loss or theft of your card and/or code, under Regulation E, you could lose up to $500.00. Also, you may have unlimited liability if the transfer involved unauthorized transaction is not reported within 60 days of when the unauthorized transaction was reported on a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptlyperiodic statement. If we need more time, however, we may take up to 45 days a good reason (90 days if the transfer involved such as a point-of-sale transaction long trip or a foreign initiated transferhospital stay) to investigate Your complaint or question. If We decide to do thiskept you from telling us, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during extend the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are openperiods.

Regulatory Authority. If you believe that Notification of Regulatory Authorities: This EFT Agreement and the EFT services provided in this EFT Agreement are governed by Federal law and Michigan law. You may notify the State agency noted below of any provision violation of the New Jersey Electronic Funds Transfer Act has been violatedlaw. The address of this agency is as follows: Credit Union Division Department of Insurance and Financial Services X.X. Xxx 00000 Xxxxxxx, you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxx, Xx. 22314-3428 Xxxxxxxx 00000 YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning Calling is the best way of keeping your possible losses down. You could lose all of the money in Your your account (plus your maximum overdraft line of credit). If you tell us within two business days, you could lose no more than $50.00 if someone used Your card without Your permission. Also, if Your statement shows transfers that you did not make, tell Us at once. If you do not tell Us within 60 days after the statement was mailed to you, you may not get back and in any money you lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in timebackup account. If you believe Your your card and/or code has been lost or stolenstolen and you tell us within 2 business days after you learn of the loss or theft, or that you will have no liability if someone has transferred money from Your account used your card and/or code without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell notify us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected errorloss, theft, or unauthorized use of your card or other devices which we supply to you, you will not be liable for any unauthorized use for purchases processed through Mastercard provided you were not grossly negligent or fraudulent in handling your card and you provide us with a written statement regarding your unauthorized card claim, otherwise the liability limits set forth below will apply. If you do NOT tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 2 business days (20 after you learn of the loss or theft of your card and/or code, under Regulation E, you could lose up to $500.00. Also, you may have unlimited liability if the transfer involved unauthorized transaction is not reported within 60 days of when the unauthorized transaction was reported on a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptlyperiodic statement. If we need more time, however, we may take up to 45 days a good reason (90 days if the transfer involved such as a point-of-sale transaction long trip or a foreign initiated transferhospital stay) to investigate Your complaint or question. If We decide to do thiskept you from telling us, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during extend the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are openperiods.

Regulatory Authority. If you believe that any provision of the New Jersey Michigan Electronic Funds Transfer Act has been violated, violated you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxxnotify State of Michigan Department of Insurance and Financial Services (DIFS), XxP.O. Box 30220, Lansing, Michigan 48909-7720. 22314-3428 UNAUTHORIZED TRANSFERS – CONSUMER LIABILITY Tell us AT ONCE if you believe your card and/or code has PIN have been lost or stolen, or if you believe that an electronic funds transfer has been made without your permission using your card or information from your check. Telephoning Notifying us by telephone is the best way of keeping your possible losses down. You could lose all of the money in Your your account (plus your maximum overdraft line of credit). If you tell us within two 2 business days, you could lose no more than have $50.00 0 fraud liability if someone used Your your card and/or PIN without Your your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or PIN, and we can prove we could have stopped someone from using your card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if Your your statement shows transfers made by card(s), PIN(s) or other means that you did not make, tell Us us at once. If you do not tell Us us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. However, if you fail to notify us due to extenuating circumstances beyond your control that kept you from notifying us, this time period may be extended. Your card and PIN are for personal use only. You agree not to allow another person to use your card and/or PIN and understand you are fully liable for all transactions conducted by anyone with whom you have shared your card and/or PIN. Unauthorized use is defined as the use of your MasterCard Debit Card by a person, other than you, who does not have actual, implied, or apparent authority for such use, and from which you receive no benefit. This additional limitation on liability does not apply to ATM transactions or to transactions using your PIN which are not processed by MasterCard. Contact in event of unauthorized transfer – If you believe Your your card and/or code PIN has been lost or stolen, stolen or that someone has transferred or may transfer money from Your your account without your permission, you should call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us as soon as you can at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate Your complaint or question. If We decide to do this, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are opendisclosure.

Regulatory Authority. If you believe that Notification of Regulatory Authorities: This EFT Agreement and the EFT services provided in this EFT Agreement are governed by Federal law and Michigan law. You may notify the State agency noted below of any provision violation of the New Jersey Electronic Funds Transfer Act has been violatedlaw. The address of this agency is as follows: Credit Union Division Department of Insurance and Financial Services P.O. Box 30224 Lansing, you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxx, Xx. 22314-3428 Michigan 30220 YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning Calling is the best way of keeping your possible losses down. You could lose all of the money in Your your account (plus your maximum overdraft line of credit). If you tell us within two business days, you could lose no more than $50.00 if someone used Your card without Your permission. Also, if Your statement shows transfers that you did not make, tell Us at once. If you do not tell Us within 60 days after the statement was mailed to you, you may not get back and in any money you lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in timebackup account. If you believe Your your card and/or code has been lost or stolenstolen and you tell us within 2 business days after you learn of the loss or theft, or that you will have no liability if someone has transferred money from Your account used your card and/or code without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell notify us your name and account number. Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. Tell us the dollar amount of the suspected errorloss, theft, or unauthorized use of your card or other devices which we supply to you, you will not be liable for any unauthorized use for purchases processed through Mastercard provided you were not grossly negligent or fraudulent in handling your card and you provide us with a written statement regarding your unauthorized card claim, otherwise the liability limits set forth below will apply. If you do NOT tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 2 business days (20 after you learn of the loss or theft of your card and/or code, under Regulation E, you could lose up to $500.00. Also, you may have unlimited liability if the transfer involved unauthorized transaction is not reported within 60 days of when the unauthorized transaction was reported on a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptlyperiodic statement. If we need more time, however, we may take up to 45 days a good reason (90 days if the transfer involved such as a point-of-sale transaction long trip or a foreign initiated transferhospital stay) to investigate Your complaint or question. If We decide to do thiskept you from telling us, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during extend the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have written. For determining the availability of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are openperiods.

Regulatory Authority. If you believe that any provision of the New Jersey Michigan Electronic Funds Transfer Act has been violated, violated you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxxnotify the Department of Insurance and Financial Services at P.O. Box 30220, XxLansing, Ml 48909-7720. 22314-3428 Tell us AT ONCE if you believe your card and/or code has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all of the money in Your account (plus your maximum overdraft line of credit). If you tell us within two business days, you could lose no more than $50.00 if someone used Your card without Your permission. Also, if Your statement shows transfers that you did not make, tell Us at once. If you do not tell Us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We can prove that We could have stopped someone from taking the money if You had told Us in time. If you believe Your card and/or code has been lost or stolen, or that someone has transferred money from Your account without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION Error Resolution In case of errors or questions about Your your electronic transferfunds transfers, call or write Us us at the telephone thetelephone number or address listed in this brochuredisclosure, as soon as you can. If you think Your youcan, if youthink your statement or receipt is wrong or if you need more information about a transfer listed on Your the statement or receipt, we . We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Be sure to:‌ • Tell us your name and account numbernumber (if any). • Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us Your your complaint or question in writing within 10 business days. We will tell you the results of our investigation determine whether an error occurred within 10 business days (20 if the transfer involved a point-of-sale transaction or a foreign initiated transfer) after we hear from you and will correct any error promptly. If we need more time, time however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) to investigate Your your complaint or question. If We we decide to do this, this we will re-credit Your your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete Our our investigation. If we ask you to put Your your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your your account. PointFor errors involving new accounts, point-of-Sale and Foreign Country EFT Transaction Error sale, or Questions if Your notice of error involves an electronic funds transfer resulting from a Pointforeign-of Sale transaction at a Participating Merchant initiated transactions, we may take up to 90 days to investigate your complaint or EFT made other than in the United States or Puerto Ricoquestion. For new accounts, We we may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your your account within 20 business days for the amount you think is in error and take up to 90 error. We will tell you the results within three business days to investigate Your complaint or questionafter completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day documents that we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts that you have writtenused in our investigation. For determining the availability inquiries regarding your account, please contact us at: University of Your depositMichigan Credit Union, every day is a business day000 X Xxxxx Xx., except SaturdaysXxx 000, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are openXxx Xxxxx, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. or on a day We are not open, We will consider that the deposit was made on the next business day we are open.Ml 48104‌

Regulatory Authority. If you believe that any provision of the New Jersey Michigan Electronic Funds Transfer Act has been violated, violated you should notify: NCUA 0000 Xxxx Xxxxxx Xxxxxxxxxnotify State of Michigan Department of Insurance and Financial Services (DIFS), XxP.O. Box 30220, Lansing, Michigan 48909-7720. 22314-3428 UNAUTHORIZED TRANSFERS – CONSUMER LIABILITY Tell us AT ONCE if you believe your card and/or code has PIN have been lost or stolen, or if you believe that an electronic funds transfer has been made without your permission using information from your check. Telephoning Notifying us by telephone is the best way of keeping your possible losses down. You could lose all of the money in Your your account (plus your maximum overdraft line of credit). If you tell us within two 2 business days, you could can lose no more than $50.00 50 if someone used Your your card and/or PIN without Your your permission). If you do NOT tell us within 2 business days after you learn of the loss or theft of your card and/or PIN, and we can prove we could have stopped someone from using your card and/or PIN without your permission if you had told us, you could lose as much as $500. Also, if Your your statement shows transfers made by card(s), PIN(s) or other means that you did not make, tell Us us at once. If you do not tell Us us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if We we can prove that We we could have stopped someone from taking the money if You you had told Us us in time. If However, if you believe fail to notify us due to extenuating circumstances beyond your control that kept you from notifying us, this time period may be extended. Your card and PIN are for personal use only. You agree not to allow another person to use your card and/or code has been lost or stolen, or that someone has transferred money from Your account without your permission, call or write us at the telephone number or address listed on this brochure. ERROR RESOLUTION In case of errors or questions about Your electronic transfer, call or write Us at the telephone number or address listed in this brochure, as soon as you can. If you think Your statement or receipt is wrong or if you need more information about a transfer listed on Your statement or receipt, we must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. Tell us your name PIN and account number. Describe the error or the transfer understand you are unsure about, and explain as clearly as fully liable for all transactions conducted by anyone with whom you can why you believe it is an error or why you need more informationhave shared your card and/or PIN. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us Your complaint or question in writing within 10 business days. We will tell you the results of our investigation within 10 business days (20 if the transfer involved a Additional Limit on Liability for Visa® Check Card when used for point-of-sale transactions – Your liability is further limited if your card can be used to initiate a transaction or in which you are not required to provide identifying information, such as a foreign initiated transfer) after we hear from you and personal identification number (PIN). You will correct not be liable for any error promptly. If we need more timeunauthorized transactions using your Visa® Check Card, however, we may take up to 45 days (90 days if the transfer involved a when used for point-of-sale transaction or a foreign initiated transfertransactions, if: (1) to investigate Your complaint or question. If We decide to do this, we will re-credit Your account within 10 business day (20 business days if the transfer involved a point-of-sale transaction or a foreign initiated transfer) for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete Our investigation. If we ask you to put Your complaint or question in writing and we do not receive it within 10 business days, we may not re-credit Your account. Point-of-Sale and Foreign Country EFT Transaction Error or Questions if Your notice of error involves an electronic funds transfer resulting from a Point-of Sale transaction at a Participating Merchant or EFT made other than in the United States or Puerto Rico, We may take up to 20 business days to investigate the matter and tell you the results of Our investigation. If we need more time to complete Our investigation, We will credit Your account within 20 business days for the amount you think is in error and take up to 90 days to investigate Your complaint or question. You may ask for copies of Our investigation by writing to: Fort Xxxxxxxx Federal Credit Union PO Box 369 000 Xxxxxxxxxxxx Xxxx Paulsboro, NJ 08066 FUNDS AVAILABILITY DISCLOSURE This policy statement applies to all accounts. YOUR ABILITY TO WITHDRAW FUNDS AT FORT XXXXXXXX FEDERAL CREDIT UNION. Our policy is to make funds from your deposits available to You on the same business day we receive your deposit. At that time, You can withdraw the funds and We will use the funds to pay drafts demonstrate that you have written. For determining exercised reasonable care in safeguarding your card from the availability risk of Your deposit, every day is a business day, except Saturdays, Sundays and federal holidays. If You make a deposit before 3:00 p.m. on a business day that We are open, We will consider that day to be the day of Your deposit. However, if You make a deposit after 3:00 p.m. loss or on a day We are not open, We will consider that the deposit was made on the next business day we are open.theft,