This Electronic Fund Transfers Agreement and Disclosure is the contract which covers your and our rights and responsibilities
concerning the electronic fund transfers (EFT) services offered to you by Bay Atlantic Federal Credit Union (“Credit Union”). In
this Agreement, the words “you,” “your,” and “yours” mean those who sign the application or account card as applicants, joint
owners, or any authorized users. The words “we,” “us,” and “our” mean the Credit Union. The word “account” means any one
(1) or more share and share draft accounts you have with the Credit Union. Electronic fund transfers are electronically initiated
transfers of money from your account through the EFT services described below. By signing an application or account card for
EFT services, signing your card, or using any service, each of you, jointly and severally, agree to the terms and conditions in
this Agreement and any amendments for the EFT services offered. Furthermore, electronic fund transfers that meet the
definition of remittance transfers are governed by 12 C.F.R. part 1005, subpart B—Requirements for remittance transfers, and
consequently, terms of this agreement may vary for those types of transactions. A “remittance transfer” is an electronic
transfer of funds of more than $15.00 which is requested by a sender and sent to a designated recipient in a foreign country by
a remittance transfer provider. Terms applicable to such transactions may vary from those disclosed herein and will be
disclosed to you at the time such services are requested and rendered in accordance with applicable law.

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1. EFT SERVICES — If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union.

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a. ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines
(ATMs) of the Credit Union, ACCEL and PLUS networks, and such other machines or facilities as the Credit Union may
designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction
amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting
from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to
capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges.
 

At the present time, you may use your card to:
 

- Make deposits to your share and share draft accounts.
- Withdraw funds from your share and share draft accounts.
- Transfer funds from your share and share draft accounts.
- Obtain balance information for your share and share draft accounts.
- Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or
services at POS terminals that carry ACCEL and PLUS network logo(s).
 

The following limitations on ATM Card transactions may apply:
 

- You may withdraw up to a maximum of $700.00 in any one (1) day, if there are sufficient funds in your account.
- For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
- You may transfer up to the available balance in your accounts at the time of the transfer.
- See Section 2 for transfer limitations that may apply to these transactions.
 

Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a
deposit (either cash or check) is made and when it will be available for withdrawal.
 

b. Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating
merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security
information before you will be permitted to complete the transaction. You agree that you will not use your card for any
transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted
from your share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft
protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may
not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in
the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees
and Charges.
 

For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union
may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft
protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that
overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the
Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may
use your card and personal identification number (PIN) in ATMs of the Credit Union, ACCEL and PLUS networks, and such
other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for
certain transactions on the Visa and PLUS networks. However, provisions of this Agreement relating only to Visa debit
transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or
swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network.
 

At the present time, you may also use your card to:
 

- Make deposits to your share and share draft accounts.
- Withdraw funds from your share and share draft accounts.
- Transfer funds from your share and share draft accounts.
- Obtain balance information for your share and share draft accounts.
- Order goods or services online or by mail or telephone from places that accept Visa.
 

The following limitations on Visa Check Card transactions may apply:
 

- Purchase amounts are limited to the amount in your account.
- You may withdraw up to a maximum of $700.00 in any one (1) day from an ATM machine, if there are sufficient funds in
your account.
- You may purchase up to a maximum of $3,000.00 from POS terminals per day, if there are sufficient funds in your
account.
- For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.
- You may transfer up to the available balance in your accounts at the time of the transfer.
- See Section 2 for transfer limitations that may apply to these transactions.
 

Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your card on a recurring
basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card
number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or
card information changes, you authorize us, without obligation on our part, to provide the updated card information to the
merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring
charges to the card until you notify us that you have revoked authorization for the charges to your card.
 

Your card is automatically enrolled in an information updating service. Through this service, your updated card information
(such as card number and expiration date) may be shared with participating merchants to facilitate continued recurring
charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct
payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a
merchant, please contact us.
 

c. Audio Response System. If we approve Audio Response System for your accounts, a separate personal identification
number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number
to access your accounts. At the present time, you may use Audio Response System to:
 

- Withdraw funds from your share and share draft accounts.
- Transfer funds from your share and share draft accounts.
- Obtain balance information for your share and share draft accounts.
- Make loan payments from your share and share draft accounts.
- Determine if a particular item has cleared.
- Verify the last date and amount of your payroll deposit.
- Change your personal identification number (PIN).
 

Your accounts can be accessed under Audio Response System via a touch-tone telephone only. Audio Response System
service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for
data processing.
 

The following limitations on Audio Response System transactions may apply:
 

- There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.
- See Section 2 for transfer limitations that may apply to these transactions.
 

The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit,
lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All
checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other
limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any
transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered
after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.
 

d. Preauthorized EFTs

- Direct Deposit. Upon instruction of (i) your employer, (ii) the Treasury Department or (iii) other financial institutions, the
Credit Union will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to your
share and/or share draft account.
- Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share and/or share draft
account.
- See Section 2 for transfer limitations that may apply to these transactions.

- Stop Payment Rights. If you have arranged in advance to make electronic fund transfers out of your account(s) for
money you owe others, you may stop payment on preauthorized transfers from your account. You must notify us orally or
in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written
confirmation of the stop payment order to be made within 14 days of any oral notification. If we do not receive the written
confirmation, the oral stop payment order shall cease to be binding 14 days after it has been made. A stop payment
request may apply to a single transfer, multiple transfers, or all future transfers as directed by you, and will remain in effect
unless you withdraw your request or all transfers subject to the request have been returned.
- Notice of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay is required
to tell you, ten (10) days before each payment, when it will be made and how much it will be. You may choose instead to
get this notice only when the payment would differ by more than a certain amount from the previous payment or when the
amount would fall outside certain limits that you set.
- Liability for Failure to Stop Payment of Preauthorized Transfers. If you order us to stop payment of a preauthorized
transfer three (3) business days or more before the transfer is scheduled and we do not do so, we will be liable for your
losses or damages.

e. Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft,
you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or
other payees to electronically debit your account for returned check fees. You are considered to have authorized these
electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the
transfer may be processed electronically or if you sign a written authorization.
 

f. Virtual Branch Login. If Virtual Branch Login is activated for your account(s), you will be required to use secure login
information to access the account(s). At the present time, you may use Virtual Branch Login to:
 

- Withdraw funds from your share and share draft accounts.
- Transfer funds from your share and share draft accounts.
- Obtain balance information for your share and share draft accounts.
- Make loan payments from your share and share draft accounts.
- Make bill payments to preauthorized creditors.
- Change your personal identification number (PIN).
 

Your accounts can be accessed under Virtual Branch Login via personal computer. Virtual Branch Login will be available for
your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve
the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a
required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a
primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and
you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available
verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a
transaction and there may be limits on the duration of each access.
 

The following limitations on Virtual Branch Login transactions may apply:
 

- There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.
- See Section 2 for transfer limitations that may apply to these transactions.
 

g. Bill Payment. We will process bill payment transfer requests only to those creditors the Credit Union has designated in
the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number.
We will not process any bill payment transfer if the required transaction information is incomplete.
 

We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on
the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the
date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a
transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the
time that any payment will be credited to your account by the vendor.
 

The following limitations on Bill Payment transactions may apply:
- There is no limit on the number of bill payments per day.
 

2. TRANSFER LIMITATIONS — For all share accounts, you may make no more than six (6) transfers and withdrawals from
your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet
transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your
account may be subject to a fee or be closed.
 

3. CONDITIONS OF EFT SERVICES —

a. Ownership of Cards. Any card or other device which we supply to you is our property and must be returned to us, or to
any person whom we authorize to act as our agent, or to any person who is authorized to honor the card, immediately
according to instructions. The card may be repossessed at any time at our sole discretion without demand or notice. You
cannot transfer your card or account to another person.

b. Honoring the Card. Neither we nor merchants authorized to honor the card will be responsible for the failure or refusal to
honor the card or any other device we supply to you. If a merchant agrees to give you a refund or adjustment, you agree to
accept a credit to your account in lieu of a cash refund.
 

c. Foreign Transactions.
Visa. Purchases and cash withdrawals made in foreign currencies will be debited from your account in U.S. dollars. The
exchange rate between the transaction currency and the billing currency used for processing international transactions is a
rate selected by Visa from a range of rates available in wholesale currency markets for the applicable central processing date,
which rate may vary from the rate Visa itself receives or the government-mandated rate in effect for the applicable central
processing date. The exchange rate used on the processing date may differ from the rate that would have been used on the
purchase date or cardholder statement posting date.
 

A fee of 1.00% of the amount of the transaction, calculated in U.S. dollars, will be imposed on all foreign transactions,
including purchases, cash withdrawals and credits to your account. A foreign transaction is any transaction that you complete
or a merchant completes on your card outside of the United States, with the exception of U.S. military bases, U.S. territories,
U.S. embassies or U.S. consulates. Transactions completed by merchants outside of the United States are considered foreign
transactions, regardless of whether you are located inside or outside the United States at the time of the transaction.
 

d. Security of Access Code. You may use one (1) or more access codes with your electronic fund transfers. The access
codes issued to you are for your security purposes. Any access codes issued to you are confidential and should not be
disclosed to third parties or recorded on or with the card. You are responsible for safekeeping your access codes. You agree
not to disclose or otherwise make your access codes available to anyone not authorized to sign on your accounts. If you
authorize anyone to use your access codes, that authority shall continue until you specifically revoke such authority by
notifying the Credit Union. You understand that any joint owner you authorize to use an access code may withdraw or transfer
funds from any of your accounts. If you fail to maintain the security of these access codes and the Credit Union suffers a loss,
we may terminate your EFT services immediately.
 

e. Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners, including any
authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to or
from any share and share draft or loan accounts as provided in this Agreement. Each joint account owner, without the consent
of any other account owner, may, and is hereby authorized by every other joint account owner, make any transaction
permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit
Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner.

4. FEES AND CHARGES — We assess certain fees and charges for EFT services. From time to time, the fees and charges
may be changed, and we will notify you as required by applicable law.
 

Additionally, if you use an ATM not operated by us, you may be charged a fee(s) by the ATM operator and by any
international, national, regional, or local network used in processing the transaction (and you may be charged a fee for a
balance inquiry even if you do not complete a funds transfer). The ATM fee(s), or surcharge(s), will be debited from your
account if you elect to complete the transaction and/or continue with the balance inquiry.
 

You understand and agree that we and/or the ATM operator may charge you multiple fees for multiple transactions during the
same ATM session (for example, fees for both a balance inquiry and a cash withdrawal).
 

a. ATM Card Fees.
- $1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after four (4) per month.
- Nonsufficient funds fee of $30.00 per submission/resubmission of an item.
- $1.00 charge for all POS (PIN based) transactions.
- Monthly card fee of $3.00.
 

b. Visa Check Card Fees.
- $1.00 charge for ATM withdrawals at machines we do not own (nonproprietary) after four (4) per month.
- Nonsufficient funds fee of $30.00 per submission/resubmission of an item.
- $1.00 charge for all POS (PIN based transactions, no charge for signature based (credit) transactions.
- Overdraft advance fee of $30.00.
 

c. Preauthorized EFT Fees.
- Nonsufficient funds fee of $30.00 per submission/resubmission of an item.
- Stop payment fee of $20.00.
 

d. Bill Payment Fees.
- Nonsufficient funds fee of $30.00 per submission/resubmission of an item.
- Free unlimited transactions.
 

5. MEMBER LIABILITY — You are responsible for all transactions you authorize using your EFT services under this
Agreement. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any
transactions they authorize or conduct on any of your accounts.

 

TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your
card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund
transfer has been made without your permission using information from your check. Telephoning is the best way of keeping
your possible losses down. You could lose all the money in your account (plus your maximum overdraft line-of-credit). If a
transaction was made with your card or card number without your permission and was a Visa transaction, you will have no
liability for the transaction, unless you were fraudulent or negligent in the handling of your account or card.
 

For all other EFT transactions involving your card or access code, including if you were negligent in the handling of your
account or card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business
days after you learn of the loss or theft of your card or access code, you can lose no more than $50.00 if someone used your
card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or
theft of your card or access code and we can prove we could have stopped someone from using your card or access code
without your permission if you had told us, you could lose as much as $500.00.
 

Also, if your statement shows transfers that you did not make including those made by card, access code or other means,
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 lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us
in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.
 

If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from
your accounts without your permission, call:
856.696.2525
877.590.8866
or write to:
Bay Atlantic Federal Credit Union
101 W. Elmer Rd.
Vineland, NJ 08360-2843
Fax: 856.696.2525
 

You should also call the number or write to the address listed above if you believe a transfer has been made using the
information from your check without your permission.
 

6. RIGHT TO RECEIVE DOCUMENTATION —
 

a. Periodic Statements. Transfers and withdrawals made through any ATM or POS terminal, debit card transactions, audio
response transactions, preauthorized EFTs, online/PC transactions or bill payments you make will be recorded on your
periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you
will receive a statement at least quarterly.
 

b. Terminal Receipt. You can get a receipt at the time you make any transaction (except inquiries) involving your account
using an ATM and/or point-of-sale (POS) terminal.

c. Direct Deposit. If you have arranged to have a direct deposit made to your account at least once every 60 days from the
same source and you do not receive a receipt (such as a pay stub), you can find out whether or not the deposit has been
made by calling 856.696.2525 or 877.590.8866. This does not apply to transactions occurring outside the United States.
 

7. ACCOUNT INFORMATION DISCLOSURE — We will disclose information to third parties about your account or the
transfers you make:
 

- As necessary to complete transfers;
- To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit
bureau or merchant;
- If your account is eligible for emergency cash and/or emergency card replacement services and you request such
services, you agree that we may provide personal information about you and your account that is necessary to provide
you with the requested service(s);
- To comply with government agency or court orders; or
- If you give us your written permission.
 

8. BUSINESS DAYS — Our business days are Monday through Friday, excluding holidays.
 

9. CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS — 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 may be liable for your losses or damages.
However, we will not be liable for direct or consequential damages in the following events:
 

- If, through no fault of ours, there is not enough money in your accounts to complete the transaction, if any funds in your
accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy
Disclosure, or if the transaction involves a loan request exceeding your credit limit.
- If you used your card or access code in an incorrect manner.
- If the ATM where you are making the transfer does not have enough cash.

- If the ATM was not working properly and you knew about the problem when you started the transaction.
- If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction.
- If the money in your account is subject to legal process or other claim.
- If funds in your account are pledged as collateral or frozen because of a delinquent loan.
- If the error was caused by a system of any participating ATM network.
- If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT
facility for making such transfers.
- If the telephone or computer equipment you use to conduct audio response, online/PC, or mobile banking transactions is
not working properly and you know or should have known about the breakdown when you started the transaction.
- If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill
payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the
participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors.
- Any other exceptions as established by the Credit Union.
 

10. NOTICES — All notices from us will be effective when we have mailed them or delivered them to the appropriate address
in the Credit Union’s records. Written notice you provide in accordance with your responsibility to report unauthorized
transactions to us will be considered given at the time you mail the notice or deliver it for transmission to us by any other usual
means. All other notices from you will be effective when received by the Credit Union at the address specified in this
Agreement. We reserve the right to change the terms and conditions upon which EFT services are offered and will provide
notice to you in accordance with applicable law. Use of EFT services is subject to existing regulations governing your Credit
Union account and any future changes to those regulations.
 

The following information is a list of safety precautions regarding the use of ATMs and night deposit facilities:
 

- Be aware of your surroundings, particularly at night.
- Consider having someone accompany you when the ATM or night deposit facility is used after dark.
- Close the entry door of any ATM facility equipped with a door.
- If another person is uncomfortably close to you at the time of your transaction, ask the person to step back before you
complete your transaction. If it is after the regular hours of the financial institution and you are using an ATM, do not
permit entrance to any person you do not know.
- Refrain from displaying your cash at the ATM or night deposit facility. As soon as your transaction is completed, place
your money in your purse or wallet. Count the cash later in the safety of your car or home.
- If you notice anything suspicious at the ATM or night deposit facility, consider using another ATM or night deposit facility
or coming back later. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction,
take your card or deposit envelope, and leave.
- If you are followed after making a transaction, go to the nearest public area where people are located.
- Do not write your personal identification number (PIN) or access code on your ATM card.
- Report all crimes to law enforcement officials immediately. If emergency assistance is needed, call the police from the
nearest available public telephone.
 

11. BILLING ERRORS — In case of errors or questions about electronic fund transfers from your share and share draft
accounts or if you need more information about a transfer on the statement or receipt, telephone us at the following number or
send us a written notice to the following address as soon as you can. We must hear from you no later than 60 days after we
sent the FIRST statement on which the problem appears. Call us at:
856.696.2525
877.590.8866
or write to:
Bay Atlantic Federal Credit Union
101 W. Elmer Rd.
Vineland, NJ 08360-2843
Fax: 856.696.2525
 

- Tell us your name and account number.
- Describe the electronic 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 ten (10) business days.
 

We will determine whether an error has occurred within ten (10)* business days after we hear from you and will correct any
error promptly. If we need more time, however, we may take up to 45** days to investigate your complaint or question. If we
decide to do this, we will credit your account within ten (10)** business days 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 ten (10) business days, we may not credit your account.
 

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no
error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

 

* If you give notice of an error occurring within 30 days after you make the first deposit to your account, we may take up to
20 business days instead of ten (10) business days to investigate the error.
 

** If you give notice of an error occurring within 30 days after you make the first deposit to your account, notice of an error
involving a point-of-sale (POS) transaction, or notice of an error involving a transaction initiated outside the U.S., its
possessions and territories, we may take up to 90 days instead of 45 days to investigate the error. Additionally, for errors
occurring within 30 days after you make the first deposit to your account, we may take up to 20 business days instead of ten
(10) business days to credit your account.
 

NOTE: If the error you assert is an unauthorized Visa transaction, other than a cash disbursement at an ATM, we will credit
your account within five (5) business days unless we determine that the circumstances or your account history warrant a
delay, in which case you will receive credit as described above.
 

12. TERMINATION OF EFT SERVICES — You may terminate this Agreement or any EFT service under this Agreement at
any time by notifying us in writing and stopping your use of your card and any access code. You must return all cards to the
Credit Union. You also agree to notify any participating merchants that authority to make bill payment transfers has been
revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this
Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this
Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also
program our computer not to accept your card or access code for any EFT service. Whether you or the Credit Union
terminates this Agreement, the termination shall not affect your obligations under this Agreement for any electronic
transactions made prior to termination.
 

13. GOVERNING LAW — This Agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the
laws and regulations of the state of New Jersey, and local clearinghouse rules, as amended from time to time. Any disputes
regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.
 

14. ENFORCEMENT — You are liable to us for any losses, costs or expenses we incur resulting from your failure to follow
this Agreement. You authorize us to deduct any such losses, costs or expenses from your account without prior notice to you.
If we bring a legal action to collect any amount due under or to enforce this Agreement, we shall be entitled, subject to
applicable law, to payment of reasonable attorney’s fees and costs, including fees on any appeal, bankruptcy proceedings,
and any postjudgment collection actions.