Affinity OneCard/ATM Access
AUDREY (24-hour telephone teller)
Pre-authorized Credit and Debits
Internet Home Banking and Bill Payment

This agreement summarizes certain rights and responsibilities which you (the Member) and we (Affinity Federal Credit Union) have under the Electronic Funds Transfer Act. It applies whenever you use Affinity FCU's electronic banking services.

"Electronic Banking Service" or EFT means a banking service which you or someone else uses electronic means to make deposits (credits) or withdrawals (debits) to/from your Affinity FCU accounts.

An EFT transaction is made by electronic means when, for example, it is made at an automated teller machine (ATM), through a store's Point-of-Sale (POS) terminal, via AUDREY, our 24-hour telephone teller or Home Banking.

By using an Affinity OneCard, ATM card, PC or telephone, AUDREY, or by initiating a pre-authorized transaction, you agree to be bound by this disclosure and by any amendments made now and in the future by us to this disclosure.

You may use a properly encoded Affinity OneCard or Affinity ATM Card with Personal Identification Number (PIN) at any electronic facility (i.e., ATM or POS terminal) that accepts the card(s) to do one or more of the following:

1. Withdrawal cash from your Savings or Checking Account
2. Obtain cash from your Line of Credit (LOC)
3. Deposit cash, checks, or drafts to your Share Savings or Checking Account.
4. Transfer funds between:
1. your Savings and Checking Account.
2. your LOC and your Share Savings Account.
3. your LOC and your Checking Account.
5. Obtain the available balances from your Share Savings Account, your Checking Account, your LOC, and your Money Manager Account (at applicable ATMs).

Your Affinity OneCard may also be used to:

1. Make Purchases (debited from your Checking Account) at service establishments accepting Visa.
2. Obtain cash advances (debited from your Checking Account) at financial institutions accepting Visa.

You may use your AUDREY Access Code (AC) to:

1. Obtain up-to-date information and perform transactions to your Credit Union accounts. Refer to your AUDREY Service Code Card for a complete list of transactions.

Bill Payment can be used for:

1. Internet bill payment
2. bill payment Home Banking

The Affinity OneCard, ATM Card, AUDREY and Home Banking related PIN and AC provide you access to your accounts at the Credit Union.

You acknowledge that your PIN and/or AC are identification codes that are personal and confidential and that the use of the PIN with the card is a security method by which the Credit Union helps to maintain the security of your acount(s). Therefore you agree to take all reasonable precautions that no one else learns your PIN and/or AC. You understand that reasonable includes, but are not limited to : (a) You agree not to tell or disclose your PIN and/or AC to any other person: (b) You agree not to write your PIN on your card: (c) You agree not to keep a written record of your PIN number near your card. This means that you will not keep the PIN in the same wallet, cardholder, envelope or place where you keep your card.

Cash withdrawals from Automated Teller Machines (ATMs) are limited to a total of $500.00 each business day. The day for withdrawal limits begins at 12:00 PM each BUSINESS day and ends at 12:00 PM the next BUSINESS day. Weekends, including three-day holidays, are considered one business day. There are also certain limitations on the frequency of use of the Affinity OneCard and ATM Card each business day. However, these limitations are not revealed for security reasons.

Purchases made by your Affinity OneCard are limited to a total of the available balance in your Checking Account each day.

You will be denied use of the Affinity OneCard, ATM Card, or Home Banking if you exceed the daily withdrawal or purchase limit; if you do not have adequate funds available in your account; if you do not enter the correct PIN or if you exceed the frequency of usage limitations. The receipt provided by the terminal will notify you of the denial. There is a limit on the number of such denials permitted. Attempts to exceed the limit will result in machine retention of your Affinity OneCard or ATM Card at the Terminal. The number of attempts that result in machine retention are not revealed for security reasons.

Limitations on frequency of transfers: Due to federal regulations, you are allowed no more than 6 transfers from each savings account within a calendar month. There are no limitations on transfers from your Checking Account.

Remote Banking - Payments via PC may take up to 10 days to reach payee/vendor.

You agree not to make or authorize anyone else to make a withdrawal from your account(s) that would overdraw your account(s). If an overdraft occurs, you will have to pay the amount overdrawn promptly. You may also be subject to an overdraft fee.

If you have an agreement with us under which we make loan advances to cover overdrafts, you may create overdrafts as provided in that agreement. However, we do not have to permit or cover any overdraft that exceeds your approved Line of Credit.

Transactions made at proprietary ATMs
No fee will be imposed for Affinity OneCard or ATM Card transactions made at Credit Union-owned ATMs conveniently located at many of our brances.

Transactions made at non-proprietary ATMs
Affinity OneCard or ATM Card transactions made at ATMs owned by other financial institutions are subject to the following policy: No fee will be imposed on any withdrawal, transfer, or inquiry up to a total of five (5) per month. Any withdrawal, transfer, or inquiry beyond this limit each month will be subject to a $1.00 fee. An unlimited amount of deposit transactions are available each month at no fee. You may, however, be subject to a service fee imposed by the financial institution owning the ATM. Affinity FCU has no control over these fees.

Transactions made at Point-of-Sale Terminals
There is no fee for Affinity OneCard or ATM Card transactions made at point-of-sale terminals; for example the use of your Affinity OneCard or ATM Card for the purchase of gasoline or groceries at participating merchants.

You will receive a printed terminal receipt for each Affinity OneCard and/or ATM Card purchase transaction at the time of the transaction. You will receive a monthly statement showing the status of your account(s), transactions made during the past month, and any charges we may impose for such transactions.

If your pre-authorize regular transfer from your account(s), we will not send you any special notice that the transfer has been made other than to enter it on your monthly statement. If you are concerned that a transfer has not been made, your can call for verification of the transaction at the telephone number listed.

CONTACT US IMMEDIATELY if you believe that your Affinity OneCard, ATM Card, Personal Identification Number (PIN), Access Code (AC) or Home Banking PIN has been lost or stolen. Telephoning our Member Service Center at (800) 325-0808 or (908) 658-3333 (outside of the continental U.S.) is the best way of keeping your losses to a minimum.

You could lose all of your money in the account(s) if you take no action to notify us of the loss of your Home Banking PIN, Affinity OneCard, ATM Card, PIN or AC. If you notify us of the loss your liability will be as follows:

1. If you contact us within two business days of the loss or your discovery of the loss, you can lose no more than $50.00 if someone used your Affinity OneCard, ATM Card, PIN or Ac without your permission.
2. If someone used your Home Banking, Affinity OneCard, ATM Card, PIN or AC without your permission you could lose as much as $500.00 if you DO NOT contact us within two business after you learn of the loss and we can prove that we could have prevented the loss if you had contacted us.
3. Also, if your monthly statement shows transfers or purchased that you did not make and you do not contact us within 60 days after the statement was mailed to you, you may not get back any money after the 60 days, if we can prove that your contacting us would have prevented the losses.

Kinds of Transactions
You may arrange to have third persons make regular deposits to your account(s) by electronic means.

Right to Confirmation
If you are scheduled to receive deposits on this basis at least once every 60 days, you can call us at (800) 325-0808 to find out whether the deposit has been made.

Charges for Deposits
No additional charge is imposed on your account because you have this service.

Kinds of Transactions
You may arrange to have third persons make regular withdrawals from your account(s) by electronic means.

If we do not complete a transfer to or from your account on time, or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If through no fault of ours, you do not have enough money in your account to make the transfer;
2. If the transfer would go over the credit limit on your Line of Credit or Overdraft Protection;
3. If the automated teller machine does not have enough cash;
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer;
5. If circumstances beyond our control, such as fire or flood, prevent the transfer despite reasonable precautions that we have taken. There may be other exceptions stated in our agreement with you.

If you have made arrangements with us to make a regular payment or withdrawal our of your account(s), you can stop these payments by following these directions: (a) notify the company crediting/debiting your account(s) in writing of the stop payment; (b) send a copy of that letter to Affinity Federal Credit Union, PO Box 621, Basking Ridge, NJ 07920, Attention: Operations Department/ACH Stop Payment.

Our business days are Monday through Friday (7:00 a.m. to 7:00 p.m. ET) except holidays.

We will not disclose information to third parties about your account(s) or transaction(s) unless:

1. It is necessary to verify the existence or condition of your account(s) for a third party, such as a credit reporting agency or merchant.
2. It is needed to comply with a government agency or court orde
3. You give us written permission.

Telephone us at (800) 325-0808 or (908) 658-3333 (outside of the continental U.S.) or write to us at:

Affinity Federal Credit Union
73 Mountain View Blvd.
PO Box 621
Basking Ridge, NJ 07920.

Contact us as soon as you can if you think that your statement or receipt is wrong or if you need more information about a transaction listed on your statement or receipt. We must hear form you no later than 60 days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following:

1. Tell us your name, Bill Payment account number, Affinity OneCard or ATM Card number.
2. Describe the error or the transaction that you are unsure about, and explain as clearly as possible why you believe it is an error or why you need more information.
3. Tell us the dollar amount of the suspected error.

If you tell us orally, we require that you send your complaint or question in writing within 10 business days. We will tell you of the results of our investigation, within 10 business days for Affinity OneCard or ATM Card transactions or 20 business days for Affinity OneCard purchase transactions after we hear from you and will correct any error promptly. If we need more time, we may take up to 45 days or more for Affinity OneCard transactions or 90 days for Affinity OneCard purchase transactions to investigate your complaint or question. If we decide to do this, we will re-credit your account within 10 business days if it is an ATM transaction or 20 business days if it is an Affinity OneCard purchase transaction for the amount that you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If we do not receive your complaint or question IN WRITING within 10 business days, we may not re-credit your account.

If we decided that there is no error, we will send you a written explanation within three business days after we finish our investigation. You may ask for copies of the documents that we used in our investigation. If we have credited your account with funds while we were investigating an error, we will charge your account for those funds if no error has occurred.

You must notify us promptly and in writing of any change in your name and/or address.

The Credit Union can, at any time (subject to legal restrictions), amend this agreement or cancel your privileges to use your Affinity OneCard, ATM Card, PIN and AC. You agree that the Affinity OneCard and ATM Card are the property of the Credit Union and are not transferable. You agree to destroy or return to us any card(s) in your possession at our request. If you no longer with to use the card(s), please destroy it at once by cutting in half and returning it to the Credit Union.

This agreement becomes effective when you sign or use the card, or use any service.