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or 20 business days if it is a Purchase or International Transaction for the amount 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 recredit your account. If we decide 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 credit your account with funds while investigating an error, you must repay those funds to us if we conclude no error has occurred. 14. Disclosure of Account Information. We will disclose information about your account or the STAR SYSTEMS CARD® DISCLOSURE STATEMENT transactions you make to third parties: The purpose of this Disclosure Statement is to inform you of certain rights which you have a) where it is necessary to complete transactions; under the Electronic Funds Transfer Act. b) to verify the existence and standing of your account with us upon the request of a third 1. STAR SYSTEMS CENTER® Services. You may use your STAR SYSTEMS CARD® or your Credit party, such as a credit bureau; Union of New Jersey MasterCard® Debit card with your Personal Identification Number (PIN) c) in accordance with your written permission; at STAR SYSTEMS CENTERS to conduct any of the following transactions for each of the accounts d) in order to comply with court orders or government or administrative agency summonses, you have requested to be accessed by your STAR SYSTEMS CARD or your Credit Union of New subpoenas, orders, examinations and escheat reports; and/or Jersey debit card: e) on receipt of certification from a federal agency or department that a request for information is in compliance with the Right to Financial Privacy Act of 1978. a) Withdraw cash from: (1) your Share Draft account(s) - debit card only 15. Our Liability for Failure to Complete an Electronic Fund Transfer Transaction. If we fail to (2) your Share account(s) complete a transaction on time or in the correct amount, when properly instructed by you, we (3) your Revolving Credit account. will be liable for damages caused by our failure unless: b) Deposit cash, checks or drafts to: a) there are insufficient funds in your account to complete the transaction through no fault (1) your Share Draft account(s) - debit card only of ours; (2) your Share account(s). b) the funds in your account are unavailable; c) Transfer funds: c) the funds in your account are subject to legal process; (1) between your ­­­­Share Draft account(s) - Debit card only d) the transaction you request would exceed the funds in your account CIRRUS any available (2) your Share account(s) - Debit card only overdraft credit; d) Obtain the available balance(s) from: e) the STAR SYSTEM CENTER, STAR ATM, or CIRRUS SYSTEM ATM has insufficient cash to (1) your Share Draft account(s) - Debit card only complete the transaction; (2) your Share account(s); and f) your card has been reported lost or stolen and you are using the reported card; (3) your Revolving Credit or loan account(s). g) we have reason to believe that the transaction requested is unauthorized; e) Make a cash advance from your credit or loan account(s). h) the failure is due to an equipment breakdown which you knew about when you started Some STAR SYSTEMS CENTERS located in these areas may only provide access to the the transaction at the STAR SYSTEM CENTER, STAR ATM, CIRRUS SYSTEM ATM or accounts you have designated as your primary Transaction, Statement Savings, Credit or Loan Merchant terminal; account. NOT ALL STAR SYSTEMS CENTERS MAY ACCEPT DEPOSITS. THERE MAY ALSO BE i) the failure was caused by an act of God, fire or other catastrophe, or by an electrical LIMITS ON THE AMOUNT OF FUNDS WHICH YOU MAY DEPOSIT IN CERTAIN STAR SYSTEMS computer failure or by another cause beyond our control; CENTERS. j) you attempt to complete a transaction at a STAR SYSTEM CENTER, STAR ATM, CIRRUS SYSTEM ATM or Merchant Terminal which is not a permissible transaction listed above; or 2. STAR Automated Teller Machine (“ATM”) Services. You may use your STAR SYSTEMS k) the transaction would exceed security limitations on the use of your STAR SYSTEM CARD. CARD or your Credit Union of New Jersey Debit card with your PIN at STAR ATMs to request any of the services that are available at a STAR SYSTEMS CENTER described above, In any case, we shall only be liable for actual proven damages if the failure to make the trans- except payments enclosed in a deposit/payment envelope. action resulted from a bona fide error despite our procedures to avoid such errors. 3. CIRRUS SYSTEM® Services. You may use the STAR SYSTEMS CARD or your Credit Union 16. Currency Conversion and International Transactions. When you use your Debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the of New Jersey Debit card with your PIN at any CIRRUS SYSTEM automated teller machine US dollar amount. The currency conversion rate used to determine the transaction amount in (CIRRUS SYSTEM ATM) located throughout the United States, the Commonwealth of Puerto US dollars is either a rate selected by MasterCard from the range of rates available in wholesale Rico, Canada, Great Britain and those foreign countries that may be added at a later date to conduct currency markets for the applicable central processing date, which rate may vary from the any of the following transactions for each of the accounts you have requested to be accessed by rate MasterCard itself receives, or the government-mandated rate in effect for the applicable your STAR SYSTEMS CARD and have designated as the primary account of each account type. central processing date. The conversion rate in effect on the processing date may differ from However, some foreign countries may only allow withdrawals from your share draft account. the rate in effect on the transaction date or posting date. MasterCard USA charges us a .90% a) Withdraw cash from: International Service Assessment fee on all international transactions, regardless of whether (1) your Share Draft account - Debit card only there is a currency conversion. If there is a currency conversion, the International Service (2) your Share account. Assessment fee is an additional 1% of the transaction. The converted transaction amount will b) Transfer funds: be shown separately from the International Transaction Fee on your billing statement. This fee (1) between your Share Draft account - Debit card only will be assessed on all international purchases, credit vouchers, and cash disbursements. In (2) your Share account - Debit card only either case, we pass this international transaction fee on to you. An international transaction is c) Obtain the available balance(s) from: a transaction where the country of the merchant is outside the USA. (1) your Share Draft account - Debit card only (2) your Share account. d) Make a cash advance from your credit or loan account. These are the present services available from the CIRRUS SYSTEM network, but other ser- vices may be provided in the future as they are developed. The above transactions are only applicable to the accounts which you list on your STAR application form and have designated as the primary account of each account type, or such other primary accounts which are added 1301 Parkway Ave. later at your written request. PO Box 7921 Ewing, NJ 08628 4. Other ATM Network Access. From time to time we may make arrangements with other ATM www.cunj.org networks to grant access to STAR SYSTEMS CARDs. We shall inform you when such arrange- Federally Insured by NCUA ments are made and describe the services which are made available to you and the charges thereof at that time. We have added ALLPOINT ATM network free of charge for our members. 5. Purchase Transactions. You may use your Debit card with your PIN at any retail establishment (“Merchant”) where MasterCard is accepted to purchase goods and services and/or obtain cash where MasterCard is permitted by the Merchant (“purchase”). Your Credit Revised 8/2018 Union of New Jersey Debit card may also be used for payment at MasterCard merchants A new card may be issued to you at that time and a “hold” will be placed on your old card. After worldwide: MasterCard transactions require your signature for authorization. The amount of all such time, if you find your old card, you must notify us and return your old card to us. If you such Purchases (including any cash obtained, if permitted) will be deducted from your primary attempt to use your old card it may be captured and retained by the STAR SYSTEMS CENTER, Transaction account. When you make a purchase using your Debit card, you will be requesting STAR ATM, OR CIRRUS SYSTEM ATM. us to withdraw funds from your selected primary Transaction account in the amount of the Charges for Transactions. We reserve the right to change our fee schedule from time to time Purchase and directing or ordering us to pay these funds to such Merchant. Any Purchase 8. and to charge your account in accordance with the fee schedule that will be provided to you at refund made by a merchant will be posted to your primary Transaction (Share Draft) account. least twenty-one (21) days prior to assessment or change in assessment.
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