Electronic Services Information and Disclosure
This disclosure statement sets forth certain rights and responsibilities that you as a member and we, the Credit Union, have under the Electronic Funds Transfer Act. The provisions of this Act apply whenever you use any of our services that are considered "electronic funds transfers" or "POS" (point of sale) transactions.

An electronic fund transfer occurs when you or someone else uses electronic means to make deposits (credits) or withdrawals (debits) from your Share(s) or Sharedraft/Checking account (s). An electronic fund transfer may be made by audio response telephone service (ARS), computer tape, automated clearing house (ACH), automated teller machine (ATM), or by debit card. A point of sale (POS) transaction generally takes place at merchant locations. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to: pay for purchases, or pay bills (ECK). These transactions may be referred to collectively in this brochure as "EFT transactions".

ATM Card and Debit Card Service
Kinds of EFT Transactions
You may use your ATM Card or your Debit Card plus your Personal Identification Number (PIN) at any EFT location. (I.E. automated teller machine, or Point of Sale location) that accepts the Card to do the following:

• Withdraw cash from your share or sharedraft account.
• Perform a balance inquiry on your share or sharedraft account.
  
  At national ATM networks such as CIRRUS, NYCE, The Exchange, and Member Access, you may use your ATM Card or Debit Card, along with your PIN to:
• Withdraw cash from your share or sharedraft account.
• Perform a balance inquiry on your share or sharedraft account. At the ATMs located at GHS's offices and select other locations you may:

1. Make deposits to your share or sharedraft/checking account.
2. Withdraw cash from your share or sharedraft/checking account.
3. Perform a balance inquiry on your share or sharedraft/checking account.

You may also use your Debit Card to pay for purchases anywhere VISA Debit is accepted. The funds will be deducted from your sharedraft/checking account. Your Debit Card will also perform as your ATM card. When you use your PIN in conjunction with your Debit Card, the transaction is an ATM transaction. When you do not use your PIN with your Debit Card, you perform Debit Card transactions.

You may use your ATM Card or Debit Card, along with your PIN, at POS locations, that is, stores that accept the Card to pay for goods and services. The amount of such purchases (including any cash obtained, if permitted) will be deducted from your sharedraft/checking account.

For details on locations of ATMs call the Credit Union.

Foreign Transactions
Foreign currency transactions will be converted to U.S. dollars under the then current application rules and regulations of credit card associations and U.S. government regulations governing credit cards and related transactions.

Liability for Use
You are responsible for any EFT transactions you make with the ATM Card or Debit Card. Tell us at once if you believe your Card has been lost or stolen. Telephoning us is the best way of keeping your possible losses down. You could lose all the money in your accounts plus your maximum overdraft line of credit. If you believe your Card has been lost or stolen, and you tell us within two (2) business days after you learn of the loss or theft, you can lose no more than $50 if someone used your Card 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, and we can prove that we could have stopped someone from using your Card without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transactions or 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 using the money if you had told us in time.

If special circumstances kept you from telling us about the error, we may extend the time period.

Where to Call or Write
If you believe your ATM Card has been lost or stolen or that someone transferred or may transfer money from your account without your permission, call: 607-723-7962. Or write us at: GHS Federal Credit Union, PO Box 1490, Binghamton, NY 13902-1490.

If you believe your Debit Card has been lost or stolen, call 1-800-453-4270 at once.

Right to Receive Receipts
You may get a receipt showing details for your EFT transactions when you use your CARD at an ATM or POS location. EFT transactions originated at an EFT location are subject to our verification and to our ability to complete them by posting them to your account.

Limitations on the Use of Your ATM Card or Debit Card
There are limits on the number and amount of transactions that you may perform at EFT locations, such as ATMs. These limits are as follows:

• You are limited to $765 per business day for ATM cash withdrawals, provided the funds are available in your account. The "business day" for withdrawal limits starts at 6:00 p.m. each business day and ends at 6:00 p.m. the next business day. Weekends, including legal holidays, are considered "one business day".
• National ATM networks that may be available have withdrawals limits and frequency of use set by networks and/or ATM owners.
• At locations that will accept your deposits, you may make deposits in cash or checks. However, there is a hold on the funds until verified by the Credit Union.
• You may use your Debit Card for multiple purchases per day with no transaction charges.
• You may be denied use of your Card if:
  • You exceed the daily withdrawal limit
  • You do not have adequate funds available in your account
  • You do not enter the correct PIN, if required
  • Any loans with GHS are past due

The receipt provided by the ATM or merchant terminal will notify you of the denial. Repeated denials may result in the retention of the card by the machine. If you do not receive a receipt explaining a denial, contact the credit union during normal business hours.

Pre-Authorized Credit Services
Kinds of Transactions

You may arrange regular electronic deposits by a third person/party. Rights of Confirmation

If you are scheduled to receive deposits electronically you may call our Telephone Banking System (STAR) at 607-723-1192, or use the credit union Home Banking system, or call the credit union during regular business hours at 607-723-7962 to confirm receipt of deposits.

Pre-Authorized Debit Services
Kinds of Transactions

You may arrange regular electronic debits from your share or sharedraft account by a third person/party.

You may also arrange for automatic transfers into, out of, or between your share deposit accounts with the credit union.

Right to Stop Payment and Procedure

You may stop payment on pre-arranged automatic payments out of your account as follows:

1. Telephone the Credit Union during regular business hours at 607-723-7962. We may ask you to put your request in writing within 14 days of the telephone call.
2. Write us at: GHS Federal Credit Union, PO Box 1490, Binghamton, NY 13902-1490

Your telephone request or written request must be received within three (3) business days of the scheduled payment in order for us to stop the payment. If we fail to honor your request and have received stop payment instructions within the three (3) days of the scheduled payment, the credit union is liable for any losses or damages.

We will charge your account the current stop payment fee for each stop payment you authorize.

Notice of Varying Amounts
If the automatic payments you have scheduled will vary in amounts, the person/party to whom payment is made should notify you within 10 days of the payment. You may set the limits that prompt a notice.

Limits on EFT Transactions
We will make EFT withdrawals if you have sufficient funds in your account; overdraft line-of-credit to cover said funds; or have made arrangements for transfers from other deposit accounts to cover the withdrawals.

General Information
The following terms apply to all EFT transactions and services.

Business Days
Our normal business days are Monday through Friday. Holidays are not included.

Right to Receive Statements
Sharedraft/checking account statements are mailed monthly, detailing all transactions including EFT transactions. Share savings accounts are mailed quarterly unless the account has an EFT transaction during the month and then a statement is mailed for that month.

Disclosure of Account Information
We will disclose information to third parties regarding your deposit accounts or EFT transactions you make:

1. when it is necessary to complete the EFT transaction(s), or
2. in order to verify the existence or condition of your account for a third party, such as a credit bureau, merchant, creditor or financial institution, or
3. to comply with a subpoena or other proper request from a governmental agency or a court order of judicial subpoena, or
4. whenever you give us permission to do so.

Liability for Failure to Complete EFT Transactions
If we do not complete an EFT transaction on your account on time, or in the correct amount according to our agreement with you, we will be liable for your losses or damages. We will not be liable:

• IF, through no fault of ours, you do not have enough money in your account to complete the EFT transaction
• IF the withdrawal exceeds your overdraft limits with us
• IF the ATM location where you are making a withdrawal does not have enough cash
• IF the terminal or system was not working properly
• IF circumstances beyond our control, or that of any component of the ATM (such as fire, loss of power, or flood) prevent the EFT transaction, despite reasonable precautions that have been taken
• IF a third person who is responsible for the EFT transaction on the account does not initiate it in time for the credit union to complete it as agreed
• IF you exceed a combined total of six (6) electronic initiated transfers and automated overdraft transfers from any share savings account in the same month
• IF the transaction would exceed security limitations on the use of your Card.
• IF the funds in your account are subject to legal process. In any case, we will only be liable for actual proven damages if the failure to make the transaction resulted from a bona fide error despite our procedures to avoid such errors.

EFT Program Charges
Non-sufficient Funds (NSF)/Overdraft per item
Checks, ACH/EFT, ATM, Debit, Bill Payer (Home Banking) $20

ATM Withdrawals
GHS owned ATMs: No charge
At Non-GHS ATMs: 6 free/month
$1 each after 6

Plastic Card Replacement $10
PIN Replacement $5
Plastic Card & Pin Replacement $10
Transfers - Automatic Overdraft $2.50
Home Banking Free
Bill Payer - Loan/Share Balances greater than $20,000 Free
Loan/Share Balances less than $20,000 $3.50/month
Balances with the same member number as the Bill Payer/Share Draft Account
Stop Payments $20

In case of errors or questions Telephone: 607-723-7962

Or write us at:
GHS Federal Credit Union
PO Box 1490,
Binghamton, NY 13902-1490

immediately if you believe your statement or receipt is incorrect, or if you need information about a transfer listed on the 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 appears.

1. Provide us with your name and account number (member number).
2. Describe the error or transfer in question.
3. Provide us with the date and dollar amount of the suspected error.

If you have provided us with this information via the telephone we may require you to send us your request/concern in writing within 10 business days.

We will provide you with the results of our investigation within 10 business days of your contact, (20 business days for POS or foreign-initiated transactions). Every attempt will be made to correct the problem promptly. If we need more time we may take up to 45 days (90 calendar days for POS or foreign-initiated transactions) to investigate your complaint or question. If we need the additional time we will re-credit your account within the 10 business days (20 business days for POS or foreign-initiated transactions) for the amount in question. If we have requested your complaint in writing and have not received in the 10 business days we may not re-credit your account.

Upon completion of the investigation, if it is decided there was no error, we will send you a written explanation within three (3) business days. You may request copies of the documents we used in our investigation.