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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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.