• If, through no fault of ours, you do not have the funds in first deposit to the account (new accounts), we will tell you the results your account to make the transfer or the transfer would go of our investigation within twenty (20) business days. If we need over the credit limit on your line of credit. more time, however, we may take up to forty-five (45) calendar days • If you used the PIN, the ATM, or the card in an incorrect to investigate your complaint or question (ninety (90) calendar days manner. for POS transaction errors, new account transaction errors, or errors • If the ATM where you are making the transfer does not involving transactions initiated outside the United States.) If we decide have enough cash. to do this, we will re-credit your account within ten (10) business days • If the ATM or POS terminal was not working properly (five (5) business days for POS purchase transactions) for the amount and you knew about the problem when you started the you think is in error, so that you will have the use of the money during transaction. the time it takes us to complete our investigation. If we ask you to put • If circumstances beyond our control (such as fire, flood or your complaint or question in writing and we do not receive it within power failure) prevent the transaction. then (10) business days, we may not re-credit your account. • If the money in your account is subject to legal process or If we decide after our investigation that an error did not occur, we other claim. will deliver or mail to you an explanation of our findings within three • If your account is frozen because of a delinquent loan. (3) business days after the conclusion of our investigation. If you • If the error was caused by a system of the designated ATM request, we will provide you copies of documents (to the extent ATM CARD AGREEMENT Networks or any other participating network. possible without violating other members’ rights to privacy) relied AND DISCLOSURE • If there are other exceptions as established by the Credit upon to conclude that the error did not occur. Union. • The ATM, POS terminal or participating merchant may 13. ATM Safety Notice. This Agreement is the contract which covers you and our rights and retain your card in certain instances, in such an event you The following information is a list of safety precautions regarding the responsibilities concerning ATM Card services offered to you by True may contact the Credit Union about its replacement. use of Automated Teller Machine (ATM) and Night Deposit Facilities. North Federal Credit Union (“Credit Union”). In this Agreement, the words “you” and “yours” mean those who sign the application as 10. Termination of EFT Services. • Be aware of your surroundings, particularly at night. applicants, joint owners or any authorized users. The words “we,” You agree that we may terminate this Agreement and your use of • Consider having someone accompany you when the ATM “us,” and “our” mean the True North Federal Credit Union. The word your ATM Card services and the use of your card, if: or night deposit facility is used after dark. “account” means any one or more deposits accounts you have with • If another person is uncomfortably close to you at the time the Credit Union. By signing the Account Card or signing or using an • You or any authorized user of your PIN breach this or any of your transaction, ask the person to step back before you ATM Card, each of you, jointly and severally, agree to the terms and other agreement with us; complete your transaction. conditions in this Agreement, and any amendments. • We have reason to believe that there has been an • Refrain from displaying your cash at the ATM or night Electronic funds transfers (“EFTs”) are electronically initiated unauthorized use of your PIN or Card; deposits facility. As soon as your transaction is complete, transfers of money through automated teller machines (“ATMs”) • We notify you or any other party to your account that we place your money in your purse or wallet. Count the cash Point of Sale (“POS”) terminals and check card purchases with have canceled or will cancel this Agreement; or later in the safety of your car or home. participating merchants involving your deposit accounts at the Credit • You breach any provision of your Membership and Account • If you notice anything suspicious at the ATM or night Union. Agreement. deposit facility, consider using another ATM or night deposit facility or coming back later. If you are in the middle of a 1. Services. You or any other party to your account can terminate this Agreement transaction and you notice something suspicious, cancel a. ATMs. You may use your Card and Personal Identification by notifying us in writing. Termination of service will be effective the transaction, take your ATM access device or deposit Number (“PIN”) in automated teller machines of the Credit the first business day following receipt of your written notice. envelope, and leave. Union, and such other machines or networks we may designate. Termination of this Agreement will not affect the rights and • Do not write your personal identification number or code At the present time, you may use your card to make the following responsibilities of the parties under this Agreement for transaction on your ATM card. transactions on your accounts: initiated before the termination. • Report all crimes to law enforcement officials immediately. • Deposit funds to your Checking and Savings accounts (At 11. Notices. The Credit Union reserves the right to change the 14. Enforcement. deposit taking ATM locations). terms and conditions upon which this service is offered. The Credit You agree to be liable to the Credit Union for any liability, loss, or • Withdraw cash from your Checking and Savings accounts Union will mail notice to you at least twenty-one (21) days before the expense as provided in this Agreement that the Credit Union incurs • Transfer funds between your Checking, and Savings effective date of any change, as required by law. Use of this service as a result of any dispute involving your accounts or services. You accounts. is subject to existing regulations governing the Credit Union account authorize the Credit Union to deduct any such liability, loss, or • Perform balance inquiries of your accounts and any future changes to those regulations. expense from your account without prior notice to you. In the event • Some of these services may not be available at all ATM either party brings a legal action to enforce the Agreement or collect terminals. 12. Billing Errors. In case of errors or questions about your Card any overdrawn funds on accounts accessed under this Agreement, transactions, telephone us at the phone number(s) or write us at the the prevailing party shall be entitled, subject to applicable law, to b. Point of Sale. If we approve your application for point of address set forth above as soon as you can. We must hear from you payment by the other party of its reasonable attorney’s fees and sale (POS) services, you may use your Card and PIN to pay no later than sixty (60) days after we sent the first statement on which costs, including fees on any appeal, bankruptcy proceedings, and for purchases from participating merchants who have agreed the problem appears. any post-judgement collection actions, if applicable. to accept the Card at POS terminals. Funds to cover your Card purchases will be deducted from your Checking account. If the 1. Tell us your name and account number (if any). 15. Governing Law. balance in your account is not sufficient to pay the transaction 2. Describe the error or the transfers you are unsure about, This Agreement is governed by the Bylaws of the Credit Union, federal amount, the Credit Union may treat the transaction as an and explain as clearly as you can why you believe it is an laws and regulations, the laws and regulations of the State of Alaska overdraft request pursuant to the overdraft protection plan or error or why you need more information. and local clearinghouse rules, as amended from time to time. Any may terminate all services under the Agreement. 3. Tell us the dollar amount of the suspected error. disputes regarding this Agreement shall be subject to the jurisdiction c. Courtesy Pay Overdraft Transactions. Overdrafts occurring of the court of the county in which the Credit Union is located. from ATM Card and POS purchase transactions you may be If you tell us orally, we may require that you send us your complaint covered by the Credit Union’s Courtesy Pay overdraft program if or question in writing within ten (10) business days. you consent (Opt-in) to the service. Under this service, the Credit We will tell you the results of our investigation within ten (10) business ATM CARD AGREEMENT AND DISCLOSURE Union will pay for transactions that overdraw your account, days after we hear from you and will correct the error promptly. For provided you qualify for and comply with the requirements for errors related to transactions occurring within thirty (30) days after the ATM-14 REV 05/2017 TNFAAAGR the service. There is a separate Courtesy Pay Notice and Opt-in form to enroll for the service. account holder notifies us that (i) they never consented to your (907) 523-4700 or 2. Service Limitations use of the service, (ii) the joint account can no longer be operated 1 (800) 528-2273 — 24 hours a day, 7 days a week a. ATM Machines. on your instructions alone, or (iii) they are withdrawing consent Cash Withdrawals. There is a daily limit of 10 withdrawal for you to operate the joint account. or write: transactions you may make at Credit Union ATMs and e. Illegal Use or Internet Gambling. You may not use the nonproprietary ATMs. You can make ATM withdrawals and Card or service for any illegal or unlawful transaction, and True North Federal Credit Union POS purchases up to a combined daily limit of $1257 per we may decline to authorize any transaction that we believe PO Box 34157 day. You may withdraw up to $507 (if there are sufficient poses an undue risk of illegality or unlawfulness. You agree Juneau, AK 99803-4157 funds in your account) per day at any authorized ATM, that all transactions that you initiate by use of the Card or subject to limits placed on each individual ATM per day. service are legal in the jurisdiction where you live and/or 5. Business Days. Transfers. At available locations, you may transfer between where the transaction occurred. Internet gambling may be Our business days are Monday through Friday. Holidays are not your Prime Share and Checking accounts up to the balance in illegal in the jurisdiction in which you are located, including included. your accounts at the time of the transfer. the United States. Your electronic funds transfers may only Deposits. The servicing and processing schedule of be conducted for legal transactions. We have restricted all 6. Fees and Charges. automated teller machines may result in a delay between online gambling transactions by use of an electronic funds a. Replacement Card. Please refer to the current TNFCU Fee the time a deposit is made and when it will be available transfer service. Schedule. for withdrawal. You may refer to the Credit Union’s funds f. Suspension of EFT Access or Service. If you are in breach of b. Overdraft POS-ATM Fee. A fee will be charged for each availability schedule. this Agreement or any other loan or service agreement with the ATM card or POS transaction which, when posted, causes the b. POS Purchases. You may make POS Purchases at Credit Union or we suspect fraudulent activity on your account, account to be overdrawn. Please refer to the current rate and fee participating merchants and POS terminals. You may make the Credit Union may without prior notice restrict access to your schedule. up to 15 purchase transactions per day, for a total amount not accounts or suspend the use of your Card. Such restrictions c. Foreign Transaction Fee. Purchases made in foreign countries to exceed $750 (if there are sufficient funds in your account). may continue until you cure any breach condition or any fraud will be billed to you in U.S. dollars. The currency conversion The Credit Union reserves the right to refuse any transaction condition is resolved. rate for international transactions as established by MasterCard which would draw upon insufficient funds, reduce an account International, Inc. is a rate selected by MasterCard from the below a required balance, or otherwise require us to increase 4. Member Liability. range of rates available in wholesale currency markets for the our required reserve on the account. The Credit Union may set a. Authorized Transactions. You are solely responsible for all applicable central processing date, which rate may vary from the other limits on the amount of any transaction, and you will be transfers you authorize using the Card services under this rate MasterCard itself receives, or the government-mandated notified of those limits. The Credit Union may refuse to honor Agreement. Also, if you permit any family member, friend or rate in effect for the applicable central processing date. In any transactions for which you do not have sufficient available other persons to use your Card, PIN or access code, you are addition, you will be charged a Foreign Transaction Fee of up to verified funds. You may not use your Card or account for any fully responsible for all transactions they authorize or conduct 2% of the transaction amount for any card transaction made in a illegal or unlawful transaction. The Credit Union may refuse with your Card, PIN or access code, even if the amount exceeds foreign country. to authorize any transaction that it believes may be illegal or your expressed or implied instructions. Once you authorize d. Deposit of Empty Envelope to ATM. Please refer to the current unlawful. a person to use your Card, PIN or access code, their use of TNFCU Fee Schedule. the Card, PIN or access code is deemed authorized until you e. ATM Fees. If you use an ATM that is not operated by us, you 3. Condition of Card Use. recover the Card or notify the Credit Union, that their authority may be charged an ATM surcharge by the ATM operator or an The use of your Card and Account are subject to the following is revoked. You are responsible for safeguarding your business, ATM network utilized for such a transaction. The ATM surcharge conditions: financial and personal data, passwords and other information will be debited from your account if you elect to complete the a. Ownership of Cards. Any Card or other device which we to prevent unauthorized access to or use of your accounts or transaction. supply to you is our property and must be returned to us, or services. to any person whom we authorize to act as our agent, or to b. Liability for Unauthorized Use. You are responsible for all 7. Right to Receive Documentation of Transfers. any person who is authorized to honor the Card, immediately transfers you authorize using your EFT services under this a. Periodic Statements. Transfers, withdrawals, and according to instructions. The Card may be repossessed at any Agreement. If you permit other persons to use an EFT service, purchases transacted through an ATM or POS terminal will time in our sole discretion without demand or notice. You cannot Card or access code, you are responsible for any transactions be recorded on your periodic statement. You will receive transfer your Card or Account to another person. they authorize or conduct on any of your accounts. However, tell a statement monthly unless there is no transaction in a b. Honoring the Card. Neither we nor the merchant authorized us at once if you believe anyone has used your Account, Card or particular month. In any case, you will receive a statement to honor the Card will be responsible for the failure or refusal access code and accessed your accounts without your authority. at least quarterly. to honor the Card or any other device we supply to you. If a Telephoning is the best way of keeping your possible losses b. Terminal Receipt. You will receive a receipt at the time you merchant agrees to give you a refund or adjustment, you agree down. If you tell us of the unauthorized use of your account make a transaction using an ATM or POS terminal except some to accept a credit to your Account in lieu of a cash refund. You within two (2) business days, you can lose no more than $50 electronic terminals will not provide receipts for transactions of may not use the Card for any illegal or unlawful transaction, and if someone accessed your account without your permission. If $15 or less. we may decline to authorize any transaction that we believe you do not tell us within two (2) business days after you learn of poses an undue risk of illegality or unlawfulness. the unauthorized use of your account or ATM Card and we can 8. Account Information Disclosure. c. Security of PIN. The Personal Identification Number (PIN) prove that we could have stopped someone from accessing our We will disclose information to third parties about your account or issued to you is for your security purposes. The access code account without your permission if you had told us, you could the transfers you make: is confidential and should not be disclosed to third parties or lose as much as $500. recorded on or with the Card. You are responsible for safekeeping • As necessary to complete transfers; your PIN. You agree not to disclose or otherwise make your PIN Also, if your statement shows ATM or POS transactions that you did • To verify the existence of sufficient funds to cover specific available to anyone not authorized to sign on your accounts. not make including made by Card, PIN or other means, tell us at transactions upon the request of a third party, such as a If you authorize anyone to use your PIN, that authority shall once. If you do not tell us within sixty (60) days after the statement credit bureau or merchant; continue until you specifically revoke such authority by notifying was mailed to you, you may be liable for the entire amount if we • To comply with government agency or court orders; the Credit Union. If you fail to maintain the security of the PIN can prove that we could have stopped someone from making the • If you give us written permission. code and the Credit Union suffers a loss, we may terminate your transfers if you had told us in time up to the full amount of the loss. ATM and account services immediately. If a good reason (such as a hospital stay) kept you from telling us, we 9. Credit Union Liability for Failure to Make Transfers. d. Joint Accounts. If any of the accounts that you access with will extend the time periods. If we do not complete a transfer to or from your account on time your Card is a joint account, you represent that your joint If you believe your Card has been lost or stolen or that someone has or in the correct amount according to our agreement with you, we account holder has consented for you to use that account with transferred or may transfer money from your account without your will be liable for your losses or damages. However, there are some the service. We will end your use of the service if any joint permission, call: exceptions. We will not be liable for instance: