ATM Card and Debit Card ATMApplication Card and Debit Card Application APPLICATION 1301 PARKWAY AVENUE, PO BOX 7921, EWING, NJ 08628-3010 Applicant APPLICATION FOR STAR Debit Card LAST NAME, FIRST NAME, MIDDLE INITIAL STREET ADDRESS APARTMENT NO. / P.O. BOX NO. CITY, STATE, ZIP CODE DAY TELEPHONE EVENING TELEPHONE Area Code Area Code ( ) ( ) Second LAST NAME, FIRST NAME, MIDDLE INITIAL Applicant Special ID Account TO BE COMPLETED BY C.U. Information SHARE DRAFT SHARE ACCOUNT REVOLVING CREDIT+ Signature(s) I/we hereby acknowledge that I/we have received a copy of your STAR SYSTEMS CARD® Cardholder (and STAR Phone) Agreement and that I/we have read, understand and agree to be legally bound by the terms and conditions of such Agreement. I/we also acknowledge receipt of the disclosure statement informing me/ us of my/our rights under the Electronic Fund Transfer Act. X X APPLICANT’S SIGNATURE DATE SECOND APPLICANT’S SIGNATURE DATE Financial SPECIAL HANDLING PARTICIPANT ID Special Limits: For special limits, complete all of the fields below. Institution (P) Pull Card Cash Bank Limit $ Use Only (D) Demo Card 5 8 3 5 3 7 Overall Debit Limit $ CARD PREFIX Withdrawal Limit $ BRANCH ID POS Purchase Limit $ REISSUED CODE (Enter 1, 2, 3, or 4) PREPARED BY DATE Overall Credit Limit $ SPECIAL LIMITS POS Returns Limit $ Check here if “Yes” APPROVED BY DATE If “Yes”, fill out section at far right. Non-Registered Limit $ STAR SYSTEMS CARD® Cardholder Agreement The Undersigned (“I” or “we”), in consideration of Credit Union contact the STAR SYSTEMS SERVICE immediately, if I believe the of New Jersey (“you” or “your”) issuing to me a STAR SYSTEMS CARD®, STAR SYSTEMS CARD or PIN has been lost or stolen or that an hereby agrees to be legally bound by the following terms and unauthorized transfer from my account had occurred or might occur, conditions. by phoning, and by confirming such information in writing to you at: 1. Accounts and Uses of STAR SYSTEMS CARD. I have Credit Union of New Jersey the account(s) (including such transaction, savings and/or 1301 Parkway Avenue credit (loan) account(s) with you set forth on my application PO Box 7921 form enclosed with this Agreement. I hereby request that you Ewing, NJ 08628-3010 issue to me one or more STAR SYSTEM CARDs to be used in 1-855-710-3056 connection with such accounts as described in this Agreement. 5. Charges. I agree to pay the charges or transaction fees which are I understand that I may use the STAR SYSTEMS CARD at a charged by you for these services or for services which may later be STAR SYSTEMS CENTER® to (1) withdraw cash from, (2) make offered as such fees or charges may be imposed or changed from time or arrange for deposits in, (3) make cash advances from my credit to time. account(s) in the amount(s) I requested (4) receive information 6. Deposits and Payments. I agree that when I make a regarding the balance in my account(s). I may also use automated deposit or a payment at one of your STAR SYSTEMS CENTERS by a teller machines throughout the United States and in certain check, draft or other noncash item, you have the right to collect those foreign countries which bear the Cirrus® name and logo (“Cir- funds before you make the money available to me. If I deliver cash, rus ATM”) to (1) make withdrawals from, (2) receive informa- checks or other items to a STAR SYSTEMS CENTER operated by tion regarding the balance in my savings account(s) designated another financial institution for transmission to you for deposit in my as the primary account of such type on my application form. account, I agree that you have the right to collect those funds before I request that you provide to me such other services or access to you make the money available to me. I understand and acknowledge other ATM systems or networks using the STAR SYSTEMS CARD that not all STAR SYSTEMS CENTERs may accept deposits and some which you may later make available and which you advise me STAR SYSTEMS CENTERs may limit the amount of funds which may are offered in connection with my account(s) set forth on my be deposited and you may not control these limits. application form enclosed. I also understand that from time to 7. Liability. If the STAR SYSTEM CARD is issued for a joint time I may request in writing that you provide access to additional account, we agree to be jointly and severally liable under the accounts of mine through the STAR SYSTEMS CARD you have terms of this Agreement and the agreement for such account. issued to me. I agree that the uses of the STAR SYSTEMS CARD I agree that if I make deposits or payments to my account(s) with described in this Agreement shall be subject to the rules and items other than cash (checks, drafts, including preauthorized trans- regulations of each account which is accessed by such Card. fers or other items) and you make funds available to me from such 2. Use of Personal Identification Number (“PIN”) with deposits prior to their collection, I agree that you may deduct the STAR SYSTEMS CARD. I understand that a STAR SYSTEMS amounts of such funds in my account(s) which are not collected, or, if CARD or a Cirrus ATM is an automated teller. It can and will the funds in my account(s) are insufficient at such time, I will prompt- perform many of the same tasks as a human teller. I acknowledge ly pay to you any amount of such funds which are not collected. that the Personal Identification Number or PIN which I use with 8. Amendment of this Agreement. I agree that from time to the STAR SYSTEMS CARD is my signature, identifies the bearer time you may amend or change the terms of this Agreement of the Card to the STAR SYSTEM CENTER, Cirrus ATM, or other including amendments or changes to add further STAR network ATM and authenticates and validates the directions given SYSTEM CARD services or to amend or change the charges for these just as my actual signature and other proof identify me and authen- services. You may do so by notifying me in writing of such amend- ticate and validate my directions to a human teller. I acknowledge ments or changes and my use of the STAR SYSTEM CARD after the that my PIN is an identification code that is personal and confidential effective date of any such amendment or change shall constitute and that the use of the PIN with the STAR SYSTEMS CARD is a my acceptance of and agreement to such amendment or change. security method by which you are helping me to maintain the 9. Ownership. I agree that the STAR SYSTEM CARD is your security of my account(s). Therefore, I AGREE TO TAKE ALL property and I will surrender it to you upon your request. REASONABLE PRECAUTIONS THAT NO ONE ELSE LEARNS MY I agree that the STAR SYSTEM CARD is non-transferable. PIN. 10. Disclosures. I hereby acknowledge receipt of the 3. Liability for Unauthorized Transactions. I agree to disclosure statement informing me of my rights under the contact you at once if I believe the STAR SYSTEMS CARDs issued Electronic Fund Transfer Act and a copy of this Agreement. to me or PIN has been lost or stolen or money is missing from 11. Charges for transactions. We reserve the right to change our my account(s). I also agree that if my monthly statement shows fee schedule from time to time and to charge your account in ac- transactions which I did not make, including transfers, and I do not cordance with the fee schedule that will be provided to you at least contact you within 60 days after the statement was mailed to me, I may twenty-one (21) days prior to assessment or change in assessment not get back any money lost after that time. I AGREE THAT IF I GIVE Please refer to Credit Union of New Jersey rate and fee schedule for MY STAR SYSTEMS CARD(s) AND PIN TO SOMEONE ELSE TO a full list of fees associated with the Debit card and STAR ATM Card. USE, I AM AUTHORIZING THEM TO ACT ON MY BEHALF AND I WILL BE RESPONSIBLE FOR ANY USE OF THE CARD(s) BY THEM. 4. How to contact the STAR SYSTEMS SERVICE®. I agree to Do More with STARSM. — The Convenient Your Personal Identification Money Source Number (PIN) To carry money the smart way, Once you have your 4-digit PIN, simply fill out this application it’s a good idea to memorize and return it to us today. It these numbers or letters. Your takes only a minute or two – PIN is your best protection we just need some basic facts. against anyone else being able Then we’ll move quickly to to access your account(s). You send you a STAR card that puts need both the STAR card and your money literally at your your PIN to use STAR ATMs. fingertips. For Your Protection STAR is Safe, Fast, Easy – Please keep your PIN a secret. and Everywhere! Make a record of it, but not on Once your STAR card arrives your card or even in the same and you have your 4-digit place you keep your STAR card. Personal Identification Number And if your card is lost or stolen, (PIN), the STAR system works call us immediately.