ME 
               MEMBERSHIP AGREEMENT 
                       AND DISCLOSURES 
                                   Privacy Disclosure 
                           Membership and Account Agreement  
                            Funds Availability Policy Disclosure 
                     Electronic Fund Transfers Agreement & Disclosure 
     � CUNA Mutual Group All Rights Reserved    29267-e 
                                                                           Rev. 7/17
                   WHAT DOES UMASSFIVE COLLEGE FEDERAL CREDIT UNION DO
     FACTS
                   WITH YOUR PERSONAL INFORMATION?
                   Financial companies choose how they share your personal information. Federal law gives
     Why?
                   consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we
                   collect, share, and protect your personal information. Please read this notice carefully to understand
                   what we do.
                   The types of personal information we collect and share depend on the product or service you have
     What?
                   with us. This information can include:
                   ? Social Security number and account balances
                   ? checking account information and credit scores
                   ? payment history and transaction history
                   When you are no longer our member, we continue to share your information as described in this
                   notice.
                   All financial companies need to share members� personal information to run their everyday
     How?
                   business. In the section below, we list the reasons financial companies can share their members�
                   personal information; the reasons UMassFive College Federal Credit Union chooses to share; and
                   whether you can limit this sharing.
     Reasons we can share your personal information Does UMassFive College Can you limit this sharing?
                                            Federal Credit Union
                                            share?
     For our everyday business purposes �          Yes                 No
     such as to process your transactions, maintain your
     account(s), respond to court orders and legal
     investigations, or to report to credit bureaus
     For our marketing purposes �                  Yes                 No
     to offer our products and services to you
     For joint marketing with other financial companies Yes            No
     For our affiliates� everyday business purposes � Yes              No
     information about your transactions and experiences
     For our affiliates� everyday business purposes � No           We don�t share
     information about your creditworthiness
     For our affiliates to market to you           No              We don�t share
     For nonaffiliates to market to you            No              We don�t share
                   Call toll-free (800) 852-5886 or go to www.UMassFive.coop
     Questions?
                                                           02005663-DXPS0-1-C-071317 (DXPS01-E)
     Page 2
     What we do
     How does UMassFive College To protect your personal information from unauthorized access and use, we use
     Federal Credit Union protect my security measures that comply with federal law. These measures include computer
     personal information?   safeguards and secured files and buildings.
     How does UMassFive College We collect your personal information, for example, when you
     Federal Credit Union collect my ? open an account or use your credit or debit card
     personal information?   ? show your government-issued ID or apply for financing
                             ? make deposits or withdrawals from your account
                             We also collect your personal information from others, such as credit bureaus,
                             affiliates, or other companies.
     Why can�t I limit all sharing? Federal law gives you the right to limit only
                             ? sharing for affiliates� everyday business purposes � information about your
                              creditworthiness
                             ? affiliates from using your information to market to you
                             ? sharing for nonaffiliates to market to you
                             State law and individual companies may give you additional rights to limit sharing.
     Definitions
     Affiliates              Companies related by common ownership or control. They can be financial and
                             nonfinancial companies.
                             ? Our affiliates include financial companies, such as Member Advantage Mortgage.
     Nonaffiliates           Companies not related by common ownership or control. They can be financial and
                             nonfinancial companies.
                             ? UMassFive College Federal Credit Union does not share with our nonaffiliates so
                              they can market to you.
     Joint Marketing         A formal agreement between nonaffiliated financial companies that together market
                             financial products or services to you.
                             ? Our joint marketing partners include investment companies and insurance
                              companies.
     Other important information
                                            
                                                                                 
                                                              MEMBERSHIP AND  
                  
                                                          ACCOUNT AGREEMENT 
      
     This Agreement covers your rights and responsibilities concerning your accounts and the rights and responsibilities of the Credit Union providing this 
     Agreement (Credit Union). In this Agreement, the words �you,� �your,� and �yours� mean anyone who signs an Account Card, Account Change Card, or 
     any other account opening document (Account Card), or for whom membership and/or service requests are approved through the Credit Union�s online 
     application and authentication process. The words �we,� �us,� and �our� mean the Credit Union. The word �account� means any one or more share or 
     deposit accounts you have with the Credit Union.  
     Your account type(s) and ownership features are designated by you on your Account Card or through the Credit Union�s online application and 
     authentication process. By signing an Account Card or authenticating your request, each of you, jointly and severally, agree to the terms and conditions 
     in this Agreement, and any Account Card, Funds Availability Policy Disclosure, Truth-in-Savings Disclosure, Electronic Fund Transfers Agreement and 
     Disclosure, Privacy Disclosure, or Account Receipt accompanying this Agreement, the Credit Union Bylaws or Code of Regulations (Bylaws), Credit 
     Union policies, and any amendments made to these documents from time to time that collectively govern your membership, accounts and services. 
     IMPORTANT INFORMATION ABOUT PROCEDURES FOR OPENING A NEW ACCOUNT - To help the government fight the funding of terrorism and 
     money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens 
     an account.  
     What this means for you: When you open an account, we will ask for your name, address, date of birth, if applicable, and other information that will allow 
     us to identify you. We may also ask to see your driver's license or other identifying documents. 
     1.  MEMBERSHIP ELIGIBILITY - To join the Credit Union, you must meet the membership requirements, including purchase and maintenance of the 
     minimum required share(s) (hereinafter membership share) and/or paying a membership fee as set forth in the Credit Union�s bylaws. You authorize us 
     to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility 
     for the accounts, products and services you request and for other accounts, products, or services we may offer you or for which you may qualify. 
     2.  INDIVIDUAL ACCOUNTS - An individual account is an account owned by one member who has qualified for credit union membership. If the 
      account owner dies, the interest passes, subject to applicable law, to the account owner�s estate or Payable on Death (POD) beneficiary/payee or trust 
     beneficiary, subject to other provisions of this Agreement governing our protection for honoring transfer and withdrawal requests of an owner or owner�s 
     agent prior to notice of an owner�s death, any security interest or pledge granted by the account owner, and our statutory lien rights. 
     3.  JOINT ACCOUNTS - A joint account is an account owned by two or more persons. 
        a.  Rights of Survivorship. Unless otherwise stated on the Account Card or documented through the Credit Union�s online application and 
        authentication process, a joint account includes rights of survivorship. This means that when one owner dies, all sums in the account will pass to 
        the surviving owner(s). For a joint account without rights of survivorship, the deceased owner�s interest passes to his or her estate. A surviving 
        owner�s interest is subject to the Credit Union�s statutory lien for the deceased owner�s obligations and to any security interest or pledge granted by 
        a deceased owner, even if a surviving owner did not consent to it. 
        b.  Control of Joint Accounts. Any owner is authorized and deemed to act for any other owner(s) and may instruct us regarding transactions 
        and other account matters. Each owner guarantees the signature or authenticated request of any other owner(s). Any owner may withdraw or 
        transfer funds, pledge to us all or any part of the shares, or stop payment on items without the consent of the other owner(s). We have no duty to 
        notify any owner(s) about any transaction. We reserve the right to require written consent of all owners for any change to or termination of an 
        account. If we receive written notice of a dispute between owners or inconsistent instructions from them, we may suspend or terminate the account 
        and require a court order or written consent from all owners in order to act. 
        c.  Joint Account Owner Liability. If an item deposited in a joint account is returned unpaid, a joint account is overdrawn, or if we do not receive 
        final payment on a transaction, the owners, jointly and severally, are liable to us for any returned item, overdraft, or unpaid amount and for any 
        related fees and charges, regardless of who initiated or benefited from the transaction. If any account owner is indebted to us, we may enforce our 
        rights against any account of the indebted owner, including all funds in the joint account, regardless of who contributed the funds. 
     4.  POD/TRUST ACCOUNT DESIGNATIONS - A Payable on Death (POD) account or trust account designation is an instruction to the Credit Union 
      that an individual or joint account so designated is payable to the owner(s) during his, her, or their lifetimes and, when the last account owner dies, is 
      payable to all surviving POD or trust beneficiaries/payees. Unless state law provides for different ownership or as permitted and documented by us, the 
      beneficiaries/payees will own the funds jointly without rights of survivorship when there is more than one surviving beneficiary/payee. Any POD or trust 
      beneficiary/payee designation shall not apply to Individual Retirement Accounts (IRAs). We are not obligated to notify any beneficiary/payee of the 
      existence of any account nor the vesting of the beneficiary/payee�s interest in any account, except as otherwise provided by law. This paragraph does 
      not apply to an account held on behalf of or in the name of a trust.  
     5.  ACCOUNTS FOR MINORS - We may require any account established by a minor to be a joint account with an owner who has reached the age of 
     majority under state law and who shall be jointly and severally liable to us for any returned item, overdraft, or unpaid amount on such account and for 
     any related fees and charges. We may pay funds directly to the minor without regard to his or her minority. Unless a guardian or parent is an account 
     owner, the guardian or parent shall not have any account access rights. We have no duty to inquire about the use or purpose of any transaction except 
     as required by applicable law. We will not change the account status when the minor reaches the age of majority unless the change is authorized in 
     writing by all account owners.  
     6.  UNIFORM TRANSFERS TO MINORS ACCOUNT - A Uniform Transfers to Minors Account (UTMA) is an individual account created by a custodian 
     who deposits funds as an irrevocable gift to a minor. The minor to whom the gift is made is the beneficiary of the custodial property in the account. The 
     custodian has possession and control of the account for the exclusive right and benefit of the minor and, barring a court order otherwise, is the only party 
     authorized to make deposits, withdrawals, or close the account. We have no duty to inquire about the use or purpose of any transaction except as 
                                            
                  
     � CUNA Mutual Group 1993, 95, 96, 99, 2000, 03-07, 09, 10, 13, 19    
     All Rights Reserved                                          02005663-D1000-C-1-030921 (D1000C-E)
     required by applicable law. If the custodian dies, we may suspend the account until we receive instructions from any person authorized by law to 
      withdraw funds or a court order authorizing withdrawals. 
     7.  AGENCY DESIGNATION ON AN ACCOUNT - An agency designation on an account is an instruction to us that the owner authorizes another 
      person to make transactions as agent for the account owner regarding the accounts designated. An agent has no ownership interest in the account(s) or 
      credit union voting rights. We have no duty to inquire about the use or purpose of any transaction made by the agent except as required by applicable 
      law. 
     8.  DEPOSIT OF FUNDS REQUIREMENTS - Funds may be deposited to any account, in any manner approved by the Credit Union in accordance 
     with the requirements set forth in the Truth-in-Savings Disclosure. Deposits made by mail, at night depositories, or at unstaffed facilities are not our 
     responsibility until we receive them. We reserve the right to refuse or to return any deposit. 
        a.  Endorsements. We may accept transfers, checks, drafts, and other items for deposit into any of your accounts if they are made payable to, or 
        to the order of, one or more account owners even if they are not endorsed by all payees. You authorize us to supply missing endorsements of any 
        owners if we choose. If a check, draft, or item that is payable to two or more persons is ambiguous as to whether it is payable to either or both, we 
        may process the check, draft, or item as though it is payable to either person. If an insurance, government, or other check or draft requires an 
        endorsement, we may require endorsement as set forth on the item. Endorsements must be made on the back of the check or draft within 1� 
        inches of the top edge, although we may accept endorsements outside this space. However, any loss we incur from a delay or processing error 
        resulting from an irregular endorsement or other markings by you or any prior endorser will be your responsibility. If we offer a remote deposit 
        capture service and you have been approved to use the service to make deposits to your account, you agree that, prior to transmitting check or 
        draft images, you will restrictively endorse each original check or draft in accordance with any other agreement with us that governs this service.  
        b.  Collection of Items. We act only as your agent and we are not responsible for handling items for deposit or collection beyond the exercise of 
        ordinary care. We are not liable for the loss of an item in transit or the negligence of any correspondent. Each correspondent will only be liable for 
        its own negligence. We may send any item for collection. Items drawn on an institution located outside the United States are handled on a 
        collection basis only. You waive any notice of nonpayment, dishonor, or protest regarding items we purchase or receive for credit or collection to 
        your account. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor financial institution extra 
        time beyond any midnight deadline limits.  
        c.  Restrictive Legends. Some checks and drafts contain restrictive legends or similar limitations on the front of the item. Examples of restrictive 
        legends include �two signatures required,� �void after 60 days,� and �not valid over $500.00.� We are not liable for payment of any check or draft 
        contrary to a restrictive legend or other limitation contained in or on the item unless we have specifically agreed in writing to the restriction or 
        limitation. 
        d.  Final Payment. All checks, drafts, automated clearinghouse (ACH) transfers or other items credited to your account are provisional until we 
        receive final payment. If final payment is not received, we may charge your account for the amount of such items and impose a returned item fee 
        on your account. Any collection fees we incur may be charged to your account. We reserve the right to refuse or return any item or fund transfer. 
        e.  Direct Deposits. We may offer direct deposit services, including preauthorized deposits (e.g., payroll checks, Social Security or retirement 
        checks, or other government checks) or preauthorized transfers from other accounts. You must authorize direct deposits or preauthorized transfers 
        by completing a separate authorization document. You must notify us if you wish to cancel or change a direct deposit or preauthorized transfer. Any 
        cancellation or change will become effective once we receive notice from you and have a reasonable period of time to act on your request. If your 
        account is overdrawn, you authorize us to deduct the amount your account is overdrawn from any deposit, including deposits of government 
        payments or benefits. If we are required to reimburse the U.S. Government for any benefit payment directly deposited into your account, we may 
        deduct the amount returned from any of your accounts, unless prohibited by law.  
        f.  Crediting of Deposits. Deposits will be credited to your account on the day we consider them received as stated in our Funds Availability 
        Policy Disclosure. 
     9.  ACCOUNT ACCESS 
        a.  Authorized Signature. Your signature on the Account Card, or authentication and approval of your account, authorizes your account access. 
        We will not be liable for refusing to honor any item or instruction if we believe the signature is not genuine. If you have authorized the use of a 
        facsimile signature, we may honor any check or draft that appears to bear your facsimile signature, even if it was made by an unauthorized person. 
        You authorize us to honor transactions initiated by a third person to whom you have given your account information, even if you do not authorize a 
        particular transaction. 
        b.  Access Options. You may access your account(s) in any manner we permit including, for example, in person at one of our branch offices, at 
        an ATM or point-of-sale device, or by mail, telephone, automatic transfer, internet access or mobile application. We may return as unpaid any 
        check or draft drawn on a form we do not provide, and you are responsible for any losses, expenses or fees we incur as a result of handling such a 
        check or draft. We have the right to review and approve any form of power of attorney and may restrict account withdrawals or transfers. We may 
        refuse to honor a power of attorney if our refusal is conducted in accordance with applicable state law. 
        c.  Credit Union Examination. We may disregard any information on any check or draft other than the signature of the drawer, the amount of the 
        item, and any magnetic encoding. You agree that we do not fail to exercise ordinary care in paying an item solely because our procedures do not 
        provide for sight examination of items. 
     10.  FUND TRANSFERS - Fund transfers we permit that are subject to Article 4A of the Uniform Commercial Code, such as wire transfers, will be 
     subject to such provisions of the Uniform Commercial Code as enacted by the state where the main office of the Credit Union is located, except as 
      otherwise provided in this Agreement. ACH transfers are subject to rules of the National Automated Clearinghouse Association (NACHA). We may 
      execute certain requests for fund transfers by Fedwire which are subject to the Federal Reserve Board's Regulation J. 
        a.  Authorization for Transfers/Debiting of Accounts. You may make or order fund transfers to or from your account. We will debit your 
        account for the amount of a fund transfer from your account and will charge your account for any fees related to the transfer. 
        b.  Right to Refuse to Make Transfers/Limitation of Liability. Unless we agree otherwise in writing, we reserve the right to refuse to execute 
        any payment order to transfer funds to or from your account. We are not obligated to execute any payment order to transfer funds out of your 
        account if the amount of the requested transfer plus applicable fees exceeds the available balance in your account. We are not liable for errors, 
        delays, interruptions or transmission failures caused by third parties or circumstances beyond our control including mechanical, electronic or 
        equipment failure. In addition, we will not be liable for consequential, special, punitive or indirect loss or damage you may incur in connection with 
        fund transfers to or from your account. 
                                                                  02005663-D1000-C-1-030921 (D1000C-E)
        c.  No Notice Required. We will not provide you with notice when fund transfers are credited to your account. You will receive notice of such 
        credits on your account statements. You may contact us to determine whether a payment has been received. 
        d.  Interest Payments. If we fail to properly execute a payment order and such action results in a delay in payment to you, we will pay you 
        dividends or interest, whichever applies to your account, for the period of delay as required by applicable law. You agree that the dividend or 
        interest rate paid to you will be based on the lowest nominal dividend or interest rate we were paying on any account during that period. 
        e.  Provisional Credit for ACH Transactions. We may provisionally credit your account for an ACH transfer before we receive final settlement. 
        If we do not receive final settlement, we may reverse the provisional credit or require you to refund us the amount provisionally credited to your 
        account, and the party originating the transfer will not be considered to have paid you. 
        f.  Payment Order Processing and Cut-off Times. Payment orders we accept will be executed within a reasonable time of receipt. Unless we 
        have agreed otherwise in writing, a payment order may not necessarily be executed on the date it is received or on a particular date you specify. 
        Cut-off times may apply to the receipt, execution and processing of fund transfers, payment orders, cancellations, and amendments. Fund 
        transfers, payment orders, cancellations, and amendments received after a cut-off time may be treated as having been received on the next fund 
        transfer business day. Information about any cut-off times is available upon request. From time to time, we may need to temporarily suspend 
        processing of a transaction for greater scrutiny or verification in accordance with applicable law. This action may affect settlement or availability of 
        the transaction.  
        g.  Identifying Information. If your payment order identifies the recipient and any financial institution by name and account or other identifying 
        number, the Credit Union and any other financial institutions facilitating the transfer may rely strictly on the account or other identifying number, 
        even if the number identifies a different person or financial institution. 
        h.  Amendments and Cancellations of Payment Orders. Any account owner may amend or cancel a payment order regardless of whether that 
        person initiated the order. We may refuse requests to amend or cancel a payment order that we believe will expose the Credit Union to liability or 
        loss. Any request to amend or cancel a payment order that we accept will be processed within a reasonable time after it is received. You agree to 
        hold us harmless from and indemnify us for all losses and expenses resulting from any actual or attempted amendment or cancellation of a 
        payment order. 
        i.  Security Procedures. We may require you to follow a security procedure to execute, amend or cancel a payment order so that we may verify 
        the authenticity of the order, amendment or cancellation. You agree that the security procedure established by separate agreement between you 
        and the Credit Union is commercially reasonable. If you refuse to follow a commercially reasonable security procedure that we offer, you agree to 
        be bound by any payment order, whether authorized or not, that is issued in your name and accepted by us in good faith in accordance with the 
        security procedure you choose. 
        j.  Duty to Report Unauthorized or Erroneous Fund Transfers. You must exercise ordinary care to identify and report unauthorized or 
        erroneous fund transfers on your account. You agree that you will review your account(s) and periodic statement(s). You further agree you will 
        notify us of any unauthorized or erroneous transfers within the time frames described in the "Statements" section of this Agreement. 
        k.  Recording Telephone Requests. You agree that we may record payment order, amendment and cancellation requests as permitted by 
        applicable law. 
        l.  Remittance Transfers. 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. If we act as a remittance transfer provider and conduct a remittance 
        transfer(s) on your behalf, the transaction(s) will be governed by 12 C.F.R. part 1005, subpart B - Requirements for remittance transfers. 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. 
     11.  ACCOUNT RATES AND FEES - We pay account earnings and assess fees against your account as set forth in the Truth-in-Savings Disclosure 
     and Schedule of Fees and Charges. We may change the Truth-in-Savings Disclosure or Schedule of Fees and Charges at any time and will notify you 
     as required by law. 
     12.  TRANSACTION LIMITATIONS 
        a.  Withdrawal Restrictions. We will pay checks or drafts, permit withdrawals, and make transfers from the available balance in your account. 
        The availability of funds in your account may be delayed as described in our Funds Availability Policy Disclosure. We may also pay checks or 
        drafts, permit withdrawals, and make transfers when you have an insufficient available balance in your account if you have established an overdraft 
        protection plan or, if you do not have such a plan with us, in accordance with our overdraft payment policy. 
        We may refuse to allow a withdrawal in some situations and will advise you accordingly if, for example: (1) there is a dispute between account 
        owners (unless a court has ordered the Credit Union to allow the withdrawal); (2) a legal garnishment or attachment is served; (3) the account 
        secures any obligation to us; (4) required documentation has not been presented; or (5) you fail to repay a credit union loan on time. We may 
        require you to give written notice of 7 to 60 days before any intended withdrawals.  
        b.  Transfer Limitations. We may limit the dollar amount or the number of transfers from your account. Please consult your Truth-in-Savings 
        Disclosure or your Electronic Fund Transfers Agreement and Disclosure. 
     13.  CERTIFICATE ACCOUNTS - Any term share, share certificate, time deposit or certificate of deposit account (certificate account), whichever we 
      offer as allowed by applicable federal or state law, is subject to the terms of this Agreement, the Truth-in-Savings Disclosure, the Account Receipt for 
      each account, and any other documents we provide for the account, the terms of which are incorporated herein by reference. 
     14.  OVERDRAFTS 
        a.  Payment of Overdrafts. If, on any day, the available balance in your share or deposit account is not sufficient to pay the full amount of a 
        check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it, as described below. 
        The Credit Union�s determination of an insufficient available account balance may be made at any time between presentation and the Credit 
        Union�s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have a sufficient 
        available balance in order to pay an item. Your account may be subject to a fee for each item regardless of whether we pay or return the item. We 
        may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a 
        returned item and resubmission(s) of the returned item.  
        If we offer standard overdraft services, this service allows us to authorize payment for the following types of transactions regardless of whether your 
        share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account, except as 
        otherwise described below; (2) automatic bill payments; (3) and ACH transactions. For ATM and one-time debit card transactions, you must 
                                                                  02005663-D1000-C-1-030921 (D1000C-E)
        affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card 
        transaction that will result in insufficient funds in your account. If you have established a service linking your share or deposit account with other 
        individual or joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient item, including transfers from a 
        share or deposit account, an overdraft line-of-credit account, or other account you so designate. Services and fees for these transactions are 
        shown in the document the Credit Union uses to capture your affirmative consent and the Schedule of Fees and Charges. 
        Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insufficiency of funds in your 
        account, we do not agree to pay them in the future and may discontinue coverage at any time without notice. If we pay these items or impose a fee 
        that results in insufficient funds in your account, you agree to pay the insufficient amount, including the fee assessed by us, in accordance with our 
        standard overdraft services or any other service you may have authorized with us or, if you do not have such protections with us, in accordance 
        with any overdraft payment policy we have, as applicable. 
        b.  How Transactions are Posted to Your Account. Basically, there are two types of transactions that affect your account: credits (deposits of 
        money into your account) and debits (payments out of your account). It is important to understand how each is applied to your account so that you 
        know how much money you have and how much is available to you at any given time. This section explains generally how and when we post 
        transactions to your account. 
          Credits. Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full 
          amount of the deposit may not be available to you at the time of deposit. Please refer to the Funds Availability Policy Disclosure for details 
          regarding the timing and availability of funds from deposits. 
          Debits. There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are 
           many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. 
            �  Checks. When you write a check, it is processed through the Federal Reserve system. We receive data files of cashed checks from 
               the Federal Reserve each day. The checks drawn on your account are compiled from these data files and paid each day. We 
               process the payments from low to high dollar value. 
            �  ACH Payments. We receive data files every day from the Federal Reserve with Automated Clearing House (ACH) transactions. 
               These include, for example, automatic bill payments you have authorized. ACH transactions for your account are posted throughout 
               the day in order of receipt. 
            �  PIN-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card for which a merchant may 
               require you to enter your personal identification number (PIN) at the time of sale. They are processed through a PIN debit network. 
               These transactions are similar to ATM withdrawal transactions because the money is usually deducted from your account 
               immediately at the time of the transaction. However, depending on the merchant, a PIN-based transaction may not be immediately 
               presented for payment. 
            �  Signature-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card that are processed 
               through a signature-based network. Rather than entering a PIN, you typically sign for the purchase; however, merchants may not 
               require your signature for certain transactions. Merchants may seek authorization for these types of transactions. The authorization 
               request places a hold on funds in your account when the authorization is completed. The �authorization hold� will reduce your 
               available balance by the amount authorized but will not affect your actual balance. The transaction is subsequently processed by the 
               merchant and submitted to us for payment. This can happen hours or sometimes days after the transaction, depending on the 
               merchant and its payment processor. These payment requests are received in real time throughout the day and are posted to your 
               account when they are received.  
               The amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known 
               to the merchant when you present your card for payment. For example, if you use your debit card at a restaurant, a hold will be 
               placed in an amount equal to the bill presented to you; but when the transaction posts, it will include any tip that you may have added 
               to the bill. This may also be the case where you present your debit card for payment at gas stations, hotels and certain other retail 
               establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for 
               payment. 
        This is a general description of certain types of transactions. These practices may change, and we reserve the right to pay items in any order we 
        choose as permitted by law.  
        c.  Understanding Your Account Balance. Your share draft account has two kinds of balances: the actual balance and the available balance. 
        Your actual balance reflects the full amount of all deposits to your account as well as payment transactions that have been posted to your account. 
        It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available 
        balance is the amount of money in your account that is available for you to use. Your available balance is your actual balance less: (1) holds placed 
        on deposits; (2) holds on debit card or other transactions that have been authorized but are not yet posted; and (3) any other holds, such as holds 
        related to pledges of account funds and minimum balance requirements or to comply with court orders. We use your available balance to determine 
        whether there are sufficient funds in your account to pay items, including checks and drafts, as well as ACH, debit card and other electronic 
        transactions. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become 
        overdrawn regardless of your actual balance. In such cases, subsequent posting of the pending transactions may further overdraw your account 
        and be subject to additional fees. You should assume that any item which would overdraw your account based on your available balance may 
        create an overdraft. You may check your available balance online at www.umassfive.coop, at an ATM, by visiting a credit union branch or by calling 
        us at our call center.  
     15.  POSTDATED AND STALEDATED CHECKS OR DRAFTS - You agree not to issue any check or draft that is payable on a future date (postdated). 
     If you do draw or issue a check or draft that is postdated and we pay it before that date, you agree that we shall have no liability to you for such payment. 
     You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your 
     account that is presented more than six months past its date; however, if the check or draft is paid against your account, we will have no liability for such 
      payment. 
     16.  STOP PAYMENT ORDERS 
        a.  Stop Payment Order Request. Any owner may request a stop payment order on any check or draft drawn on the owner�s account. To be 
        binding, the order must accurately describe the check or draft, including the exact account number, check or draft number, and amount of the check 
        or draft. This exact information is necessary for the Credit Union to identify the check or draft. If we receive incorrect or incomplete information, we 
        will not be responsible for failing to stop payment on the check or draft. In addition, we must receive sufficient advance notice of the stop payment 
        in order to allow us a reasonable opportunity to act on it. If we recredit your account after paying a check or draft over a valid and timely stop 
                                                                  02005663-D1000-C-1-030921 (D1000C-E)
        payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other 
        holders of the check or draft, and to assist us in any legal action. 
        Stop payment orders for preauthorized debit transactions from your account are governed by Regulation E. Please refer to the Electronic Fund 
        Transfers Agreement and Disclosure for rules regarding stop payments on preauthorized debit transactions. 
        b.  Duration of Order. You may make an oral stop payment order which will lapse within 14 calendar days unless you confirm it in writing, or in a 
        record if allowed by applicable law, within that time. A written stop payment order is effective for six months and may be renewed for additional six-
        month periods by submitting a renewal request in writing, or in a record if allowed by applicable law, before the stop payment order then in effect 
        expires. We do not have to notify you when a stop payment order expires. 
        c.  Liability. Fees for stop payment orders are set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges. You may not stop 
        payment on any certified check, cashier�s check, teller�s check, or any other check, draft, or payment guaranteed by us. Although payment of an 
        item may be stopped, you may remain liable to any item holder, including us. You agree to indemnify and hold the Credit Union harmless from all 
        costs, including attorney�s fees and all damages or claims related to our refusal to pay an item, as well as claims of any joint account owner or of 
        any payee or endorsee for failing to stop payment of an item as a result of incorrect information provided by you. 
     17.  CREDIT UNION LIABILITY - If we do not properly complete a transaction according to this Agreement, we will be liable for your losses or damages 
     not to exceed the amount of the transaction, except as otherwise provided by law. We will not be liable if, for example: (1) your account contains an 
     insufficient available balance for the transaction; (2) circumstances beyond our control prevent the transaction; (3) your loss is caused by your or another 
     financial institution�s negligence; or (4) your account funds are subject to legal process or other claim. We will not be liable for consequential damages, 
     except liability for wrongful dishonor. We are not responsible for a check or draft that is paid by us if we acted in a commercially reasonable manner and 
     exercised ordinary care. We exercise ordinary care if our actions or nonactions are consistent with applicable state law, Federal Reserve regulations and 
     operating letters, clearinghouse rules, and general financial institution practices followed in the area we serve. You grant us the right, in making 
     payments of deposited funds, to rely exclusively on the form of the account and the terms of this Agreement. Any conflict regarding what you and our 
     employees say or write will be resolved by reference to this Agreement.  
     18.  CHECKS OR DRAFTS PRESENTED FOR PAYMENT IN PERSON - We may refuse to accept any check or draft drawn on your account that is 
     presented for payment in person. Such refusal shall not constitute a wrongful dishonor of the check or draft, and we shall have no liability for refusing 
     payment. If we agree to cash a check or draft that is presented for payment in person, we may require the presenter to pay a fee. Any applicable check 
     or draft cashing fees are stated in the Schedule of Fees and Charges. 
     19.  REMOTELY CREATED CHECKS OR DRAFTS - For purposes of this paragraph, �account� means a transaction account, credit account, or any 
      other account on which checks or drafts may be drawn. A remotely created check or draft is a check or draft created by someone other than the person 
      on whose account the check or draft is drawn. A remotely created check or draft is generally created by a third party payee as authorized by the owner 
      of the account on which the check or draft is drawn. Authorization is usually made over the telephone or through online communication. The owner of the 
      account does not sign a remotely created check or draft. In place of the owner�s signature, the remotely created check or draft usually bears a statement 
     that the owner authorized the check or draft or bears the owner�s printed or typed name. If you authorize a third party to draw a remotely created check 
     or draft against your account, you may not later revoke or change your authorization. It is your responsibility to resolve any authorization issues directly 
     with the third party. We are not required to credit your account and may charge against your account any remotely created check or draft for which the 
     third party has proof of your authorization.  
     20.  PLEDGE, RIGHT OF OFFSET AND STATUTORY LIEN - Unless prohibited by law, you pledge and grant as security for all obligations you may 
     have now or in the future, except obligations secured by your principal residence, all shares and dividends and all deposits and interest, if any, in all 
     accounts you have with us now and in the future. If you pledge a specific dollar amount in your account(s) for a loan, we will freeze the funds in your 
      account(s) to the extent of the outstanding balance of the loan or, if greater, the amount of the pledge if the loan is a revolving loan. Otherwise, funds in 
      your pledged account(s) may be withdrawn unless you are in default. You agree we have the right to offset funds in any of your accounts against the 
      obligation owed to us. Federal or state law (depending upon whether we have a federal or state charter) gives us a lien on all shares and dividends and 
      all deposits and interest, if any, in accounts you have with us now and in the future. Except as limited by federal or state law, the statutory lien gives us 
      the right to apply the balance of all your accounts to any obligation on which you are in default. After you are in default, we may exercise our statutory 
      lien rights without further notice to you.  
     Your pledge and our statutory lien rights will allow us to apply the funds in your account(s) to what you owe when you are in default, except 
     as limited by federal or state law. If we do not apply or offset the funds in your account(s) to satisfy your obligation, we may place an administrative 
     freeze on your account(s) in order to protect our statutory lien rights and may apply or offset the funds in your account(s) to the amount you owe us at a 
     later time. The statutory lien and your pledge do not apply to any Individual Retirement Account or any other account that would lose special tax 
     treatment under federal or state law if given as security. By not enforcing our right to apply or offset funds in your account(s) to your obligations that are 
     in default, we do not waive our right to enforce these rights at a later time. 
     21.  LEGAL PROCESS - If any legal action is brought against your account, we may pay out funds according to the terms of the action or refuse any 
     payout until the dispute is resolved, as permitted by law. Any expenses or attorney fees we incur responding to legal process may be charged against 
     your account without notice, unless prohibited by law. Any legal process against your account is subject to our lien and security interest. 
     22.  ACCOUNT INFORMATION - Upon request, we will give you the name and address of each agency from which we obtain a credit report regarding 
     your account. We agree not to disclose account information to third parties except when: (1) it is necessary to complete a transaction; (2) the third party 
     seeks to verify the existence or condition of your account in accordance with applicable law; (3) such disclosure complies with the law or a government 
     agency or court order; or (4) you give us written permission. 
     23.  NOTICES 
        a.  Name or Address Changes. You are responsible for notifying us of any name or address change. The Credit Union is only required to 
        attempt to communicate with you at the most recent address you have provided to us. We may require all name and address changes to be 
        provided in writing. If we attempt to locate you, we may impose a service fee as set forth in the Truth-in-Savings Disclosure or Schedule of Fees 
        and Charges. 
        b.  Notice of Amendments. Except as prohibited by applicable law, we may change the terms of this Agreement at any time. We will notify you, 
        in a manner we deem appropriate under the circumstances, of any changes in terms, rates or fees as required by law. We reserve the right to 
        waive any terms of this Agreement. Any such waiver shall not affect our right to future enforcement. 
        c.  Effect of Notice. Any written notice you give us is effective when we receive it. Any written notice we give to you is effective when it is 
        provided electronically or is deposited in the U.S. mail, postage prepaid and addressed to you at your statement mailing address, and will be 
        effective whether or not received by you. Notice to any account owner is considered notice to all account owners. 
                                                                  02005663-D1000-C-1-030921 (D1000C-E)
        d.  Electronic Notices. If you have agreed to receive notices electronically, we may send you notices electronically and discontinue mailing 
        paper notices to you until you notify us that you wish to reinstate receiving paper notices. 
     24.  TAXPAYER IDENTIFICATION NUMBER AND BACKUP WITHHOLDING - You agree that we may withhold taxes from any dividends or interest 
     earned on your account as required by federal, state or local law or regulations. Your failure to furnish a correct Taxpayer Identification Number (TIN) or 
     meet other requirements may result in backup withholding. If your account is subject to backup withholding, we must withhold and pay to the Internal 
     Revenue Service a percentage of dividends, interest, and certain other payments. If you fail to provide your TIN within a reasonable time we may close 
     your account and return the balance to you, less any applicable service fees. 
     25.  STATEMENTS 
        a.  Contents. If we provide a periodic statement for your account, you will receive a periodic statement that shows the transactions and activity on 
        your account during the statement period as required by applicable law. If a periodic statement is provided, you agree that only one statement is 
        necessary for joint accounts. For share draft or checking accounts, you understand and agree that your original check or draft, when paid, becomes 
        property of the Credit Union and may not be returned to you, but copies of the check or draft may be retained by us or by payable-through financial 
        institutions and may be made available upon your request. You understand and agree that statements are made available to you on the date they 
        are mailed to you or, if you have requested, on the date they are made available to you electronically. You also understand and agree that checks, 
        drafts, or copies thereof are made available to you on the date the statement is mailed to you or is provided to you electronically, even if the checks 
        or drafts do not accompany the statement.  
        b.  Examination. You are responsible for promptly examining each statement upon receiving it and reporting any irregularities to us. If you fail to 
        report any irregularities such as forged, altered, unauthorized, unsigned, or otherwise fraudulent items drawn on your account, erroneous payments 
        or transactions, or other discrepancies that are reflected on your statement within 33 days of the date we sent or otherwise provided the statement 
        to you, we will not be responsible for your loss. We also will not be liable for any items that are forged or altered in a manner not detectable by a 
        reasonable person, including the unauthorized use of facsimile signature equipment. 
        Unauthorized electronic fund transfers governed by Regulation E are subject to different reporting periods. Please refer to the Electronic Fund 
        Transfers Agreement and Disclosure for reporting requirements pertaining to electronic fund transfers. 
        c.  Notice to Credit Union. You agree that the Credit Union�s retention of checks or drafts does not alter or waive your responsibility to examine 
        your statements or the time limit for notifying us of any errors. The statement will be considered correct for all purposes, and we will not be liable for 
        any payment made or charge to your account unless you notify us in writing within the above time limit for notifying us of any errors. If you fail to 
        receive a periodic statement, you agree to notify us within 14 days of the time you regularly receive a statement. 
        d.  Address. If we mail you a statement, we will send it to the last known address shown in our records. If you have requested to receive your 
        statement electronically, we will send the statement or notice of statement availability to the last e-mail address shown in our records. 
     26.  INACTIVE ACCOUNTS - As allowed by applicable law, we may classify your account as inactive or dormant and assess a fee if you have not 
     made any transactions in your account over a specified period of time. The period of inactivity, the fee for servicing an inactive or dormant account, and 
     the minimum balance required to avoid the service fee, if any, are set forth in our Schedule of Fees and Charges. You authorize us to transfer funds 
     from another account of yours to cover any service fees, if applicable. To the extent allowed by law, we reserve the right to transfer the account funds to 
     an account payable or reserve account and to suspend any further account statements. If a deposit or withdrawal has not been made on the account 
     and we have had no other sufficient contact with you within the period specified by state law, the account will then be presumed to be abandoned. Funds 
     in abandoned accounts will be reported and remitted in accordance with state law. Once funds have been turned over to the state, we have no further 
     liability to you for such funds. If you choose to reclaim such funds, you must apply to the appropriate state agency. 
     27.  SPECIAL ACCOUNT INSTRUCTIONS - You may request that we facilitate certain trust, will, or court-ordered account arrangements. However, 
     because we do not give legal advice, we cannot counsel you as to which account arrangement most appropriately meets the specific requirements of 
     your trust, will, or court order. If you ask us to follow any instructions that we believe might expose us to claims, lawsuits, expenses, liabilities, or 
     damages, whether directly or indirectly, we may refuse to follow your instructions or may require you to indemnify us or post a bond or provide us with 
     other protection. We may require that account changes requested by you, or any account owner, such as adding or closing an account or service, be 
      evidenced by a signed Account Change Card or other document which evidences a change to an account and accepted by us.  
     28.  TERMINATION OF ACCOUNT - We may terminate your account at any time without notice to you or may require you to close your account and 
      apply for a new account if, for example: (1) there is a change in owners or authorized signers; (2) there has been a forgery or fraud reported or 
      committed involving your account; (3) there is a dispute as to the ownership of the account or of the funds in the account; (4) any checks or drafts are 
     lost or stolen; (5) there are excessive returned unpaid items not covered by an overdraft protection plan; (6) there has been any misrepresentation or 
     any other abuse of any of your accounts; (7) we reasonably deem it necessary to prevent a loss to us; or (8) as otherwise permitted by law. You may 
     terminate an individual account by giving written notice. We reserve the right to require the consent of all owners to terminate a joint account. We are not 
     responsible for payment of any check, draft, withdrawal, transaction, or other item after your account is terminated; however, if we pay an item after 
     termination, you agree to reimburse us.  
     29.  TERMINATION OF MEMBERSHIP; LIMITATION OF SERVICES - You may terminate your membership by giving us written notice or by 
     withdrawing your minimum required membership share, if any, and closing all of your accounts. You may be expelled from membership for any reason 
     allowed by applicable law. We may restrict account access and services without notice to you when your account is being misused; you have 
     demonstrated conduct which is abusive in nature; as outlined in any policy we have adopted regarding restricting services; or as otherwise permitted by 
     law. 
     30.  DEATH OF ACCOUNT OWNER - We may honor all transfer orders, withdrawals, deposits, and other transactions on an account until we know of a 
      member's death. Even with such knowledge, we may continue to pay checks or drafts or honor other payments or transfer orders authorized by the 
      deceased member for a period of ten days after the member's death unless we receive instructions from any person claiming an interest in the account 
      to stop payment on the checks, drafts, or other items. We may require anyone claiming a deceased owner�s account funds to indemnify us for any 
      losses resulting from our honoring that claim. This Agreement will be binding upon any heirs or legal representatives of any account owner. 
     31.  UNLAWFUL INTERNET GAMBLING AND OTHER ILLEGAL ACTIVITIES - You agree that you are not engaged in unlawful internet gambling or 
      any other illegal activity. You agree that you will not use any of your accounts, access devices or services for unlawful internet gambling or other illegal 
      activities. We may terminate your account relationship if you engage in unlawful internet gambling or other illegal activities. 
     32.  SEVERABILITY - If a court holds any portion of this Agreement to be invalid or unenforceable, the remainder of this Agreement shall not be invalid 
     or unenforceable and will continue in full force and effect. All headings are intended for reference only and are not to be construed as part of the 
     Agreement. 
                                                                  02005663-D1000-C-1-030921 (D1000C-E)
     33.  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 post judgment collection actions. 
     34.  GOVERNING LAW - This Agreement is governed by the following, as amended from time to time: the Credit Union's bylaws; local clearinghouse 
      and other payment system rules; federal laws and regulations, including applicable principles of contract law; and the laws and regulations of the state of 
      Massachusetts. As permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the 
     Credit Union is located. 
     35.  NEGATIVE INFORMATION NOTICE - We may report information about your loan, share, or deposit accounts to credit bureaus. Late 
     payments, missed payments, or other defaults on your accounts may be reflected in your credit report. 
     36.  MONITORING AND RECORDING COMMUNICATIONS - We may monitor and record communications between you and us, including telephone 
     conversations, electronic messages, electronic records, or other data transmissions that affect your accounts or other products and services. Except as 
     otherwise prohibited by applicable law, you agree we may monitor and record such communications without your approval or further notice to you. 
     37.  CONSENT TO CONTACT - By signing or otherwise authenticating an Account Card, you agree we and/or our third-party providers, including debt 
     collectors, may contact you by telephone or text message at any telephone number associated with your account, including wireless telephone numbers 
     (i.e. cell phone numbers) which could result in charges to you, in order to service your account or collect any amounts owed to us, excluding any 
     contacts for advertising and telemarketing purposes as prescribed by law. You further agree methods of contact may include use of pre-recorded or 
     artificial voice messages, and/or use of an automatic dialing device. You may withdraw the consent to be contacted on your wireless telephone 
     number(s) at any time by any reasonable means. If you have provided a wireless telephone number(s) on or in connection with any account, you 
     represent and agree you are the wireless subscriber or customary user with respect to the wireless telephone number(s) provided and have the authority 
     to give this consent. Furthermore, you agree to notify us of any change to the wireless telephone number(s) which you have provided to us.  
     In order to help mitigate harm to you and your account, we may contact you on any telephone number associated with your account, including a wireless 
     telephone number (i.e. cell phone number), to deliver to you any messages related to suspected or actual fraudulent activity on your account, data 
     security breaches or identity theft following a data breach, money transfers or any other exigent messages permitted by applicable law. These contacts 
      will not contain any telemarketing, cross-marketing, solicitation, advertising, or debt collection message of any kind. The contacts will be concise and 
     limited in frequency as required by law. You will have an opportunity to opt-out of such communications at the time of delivery.  
                                                                  02005663-D1000-C-1-030921 (D1000C-E)
        
        
        
        
        
        
        
                           FUNDS AVAILABILITY POLICY DISCLOSURE 
       This Disclosure describes your ability to withdraw funds from any account at UMassFive College Federal 
        Credit Union. 
        1.  GENERAL POLICY � Our policy is to make funds from your cash and check deposits available to you on the 
        same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive 
        the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks 
        that you have written. For determining the availability of your deposits, every day is a business day, except 
        Saturdays, Sundays, and federal holidays. If you make a deposit before 6:00 p.m. at a staffed facility or before 4:30 
        p.m. at an ATM that we own or operate on a business day that we are open, we will consider that day to be the day 
        of your deposit. However, if you make a deposit after our cutoff hour or on a day we are not open, we will consider 
        that the deposit was made on the next business day we are open.  
        2.  RESERVATION OF RIGHT TO HOLD � In some cases, we will not make all of the funds that you deposit by 
        check available to you on the same business day that we receive your deposit. Funds may not be available until the 
        second business day after the day of your deposit. However, the first $225.00 of your deposit will be available on 
        the first business day after the day of your deposit. If we are not going to make all of the funds from your deposit 
        available on the same business day, we will notify you at the time you make your deposit. We will also tell you 
       when the funds will be available. If your deposit is not made directly to one of our employees or if we decide to take 
       this action after you have left the premises, we will mail you the notice by the next business day after we receive 
       your deposit. If you will need the funds from a deposit right away, you should ask us when the funds will 
       be available.  
       3.  HOLDS ON OTHER FUNDS � If we cash a check for you that is drawn on another financial institution, we 
       may withhold the availability of a corresponding amount of funds that are already in your account. Those funds will 
       be available at the time funds from the check we cashed would have been available if you had deposited it. If we 
       accept for deposit a check that is drawn on another financial institution, we may make funds from the deposit 
       available for withdrawal immediately but delay your availability to withdraw a corresponding amount of funds that 
       you have on deposit in another account with us. The funds in the other account would then not be available for 
       withdrawal until the time periods that are described elsewhere in this Disclosure for the type of check that 
       you deposited.  
       4.  LONGER DELAYS MAY APPLY � We may delay your ability to withdraw funds deposited by check into your 
       account an additional number of days for these reasons: 
         -  We believe a check you deposit will not be paid. 
         -  You deposit checks totaling more than $5,525.00 on any one (1) day. 
         -  You redeposit a check that has been returned unpaid. 
         -  You have overdrawn your account repeatedly in the last six (6) months. 
         -  There is an emergency, such as failure of communications or computer equipment. 
       We will notify you if we delay your ability to withdraw funds for any of these reasons and we will tell you when the 
       funds will be available. They will generally be available no later than the seventh business day after the day of 
       your deposit.  
       5.  SPECIAL RULES FOR NEW ACCOUNTS � If you are a new member, the following special rules will apply 
       during the first 30 days your account is open. 
       Funds from electronic direct deposits to your account will be available on the day we receive the deposit.  
       Funds from deposits of cash, wire transfers, and the first $5,525.00 of a day�s total deposits of cashier�s, certified, 
       teller�s, traveler�s, and federal, state, and local government checks will be available on the same business day that 
       we receive your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. 
       The excess over $5,525.00 will be available on the ninth business day after the day of your deposit. If your deposit 
       of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first 
       $5,525.00 will not be available until the second business day after the day of your deposit. Funds from all other 
       check deposits will be available on the seventh business day after the day of your deposit.  
                  
        � CUNA Mutual Group 2008, 2010, 11, 2020 All Rights Reserved                 02005663-11452-P-1-030921 (114522)-e 
       6. FOREIGN CHECKS � Checks drawn on financial institutions located outside the U.S. (foreign checks) cannot 
       be processed the same as checks drawn on U.S. financial institutions. Foreign checks are exempt from the policies 
       outlined in this Disclosure. Generally, the availability of funds for deposits of foreign checks will be delayed for the 
       time it takes us to collect the funds from the financial institution upon which it is drawn. 
                                                                     02005663-11452-P-1-030921 (114522)-e 
      
      
      
      
      
      
                   ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE 
     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  UMassFive  College  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 savings and 
     checking 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. 
     1.  EFT SERVICES � If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union. 
     a.  Debit Card. If approved, you may use your Visa� card to purchase goods and services from participating merchants. However, you 
     may not use your card to initiate any type of gambling transaction. 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 checking 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, NYCE 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, NYCE 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 savings and checking accounts. 
       -  Withdraw funds from your savings and checking accounts. 
       -  Transfer funds from your savings and checking accounts. 
       -  Obtain balance information for your savings and checking accounts. 
       -  Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at 
       merchants that accept Visa. 
       -  Order goods or services online or by mail or telephone from places that accept Visa. 
     The following limitations on Debit Card transactions may apply: 
       -  You may purchase up to a maximum of $2,000.00 per day. 
       -  You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your 
       account. 
       -  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 
                
     � CUNA Mutual Group 2008-10, 12-14, 17, 2020 All Rights Reserved   02005663-51002-C-1-061821 (51002D)-e 
     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. 
     b.  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 savings and/or checking 
       account. 
       -  Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your savings and/or checking 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.  
     c.  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. 
     d.  Online Banking. If Online Banking 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 Online Banking to: 
       -  Transfer funds from your savings, checking, loan, and Money Manager accounts. 
       -  Obtain balance information for your savings, checking, loan, club, certificate, and Money Manager accounts. 
       -  Make loan payments from your savings, checking, and Money Manager accounts. 
       -  Access your Home Equity Line of Credit accounts. 
       -  Determine if a particular item has cleared. 
       -  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. 
       -  Verify the last date and amount of your payroll deposit. 
       -  Make bill payments to preauthorized creditors. 
       -  Place stop payment on a personal check. 
     Your accounts can be accessed through Online Banking via personal computer. Online Banking 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. 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 Online Banking transactions may apply: 
       -  The maximum withdrawal or transfer amount is $25,000.00 per day, and no transfer or withdrawal may exceed the available funds in 
       your account. 
       -  See Section 2 for transfer limitations that may apply to these transactions. 
     e.  Mobile Banking. If Mobile Banking 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 Mobile Banking to: 
       -  Transfer funds from your savings, checking, loan, and Money Manager accounts. 
       -  Obtain balance information for your savings, checking, loan, club, certificate, and Money Manager accounts. 
       -  Make loan payments from your savings, checking, and Money Manager accounts. 
       -  Access your Home Equity Line of Credit accounts. 
       -  Determine if a particular item has cleared. 
       -  Verify the last date and amount of your payroll deposit. 
       -  Make bill payments to preauthorized creditors. 
       -  Make deposits using Remote Deposit Capture; see separate Terms and Conditions for more details. 
     Your accounts can be accessed under Mobile Banking via mobile device or other approved access device(s). Mobile Banking 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. We may set other limits on the amount of any 
                                                                   02005663-51002-C-1-061821 (51002D)-e 
     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 Mobile Banking transactions may apply: 
       -  The maximum withdrawal or transfer amount is $25,000.00 per day, and no transfer or withdrawal may exceed the available funds in 
       your account. 
       -  You may make up to $2,000.00 in daily deposits to your checking account via Remote Deposit Capture, unless otherwise stated. 
       -  See Section 2 for transfer limitations that may apply to these transactions. 
     f.  Bill Pay.  Please refer to the Bill Pay Terms & Conditions, provided at the time of enrollment and available to current users at any 
     time, unless otherwise informed, by logging into Online Banking. 
     2.  TRANSFER LIMITATIONS � For all savings and Money Manager 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. Participating merchants may not offer a discount to encourage use of your card rather than paying by 
     cash or check. 
     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 transaction date, which rate may vary from the rate Visa itself 
     receives, or the rate mandated by the government or governing body in effect for the applicable transaction date. The exchange rate used 
     on the transaction date may differ from the rate that would have been used on the processing 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 multiple currency foreign transactions, 
     including purchases, cash withdrawals and credits to your account. A fee of 0.80% of the amount of the transaction, calculated in U.S. 
     dollars, will be imposed on all single currency 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 savings and 
     checking 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. 
     f.   Stop Payment of EFTs. The initiation by you of certain electronic fund transfers from your account will, except as otherwise provided 
     in this Agreement, effectively eliminate your ability to stop payment of the transfers. 
     Unless otherwise provided in this Agreement, you may not stop payment of electronic fund transfers; therefore, you should not 
     employ electronic access for purchases and services unless you are satisfied that you will not need to stop payment. 
     g.   Account Rates.  The dividend rates on accounts on which electronic fund transactions may be made are set forth in the Credit 
     Union�s Truth-in-Savings Disclosure. 
     4.  FEES AND CHARGES � We assess certain fees and charges for EFT services. For a current listing of all applicable fees and 
     charges, see our current Schedule of Fees and Charges that was provided to you at the time you applied for or requested these EFT 
     services. From time to time, the fees and charges may be changed, and we will notify you as required by applicable law. 
                                                                   02005663-51002-C-1-061821 (51002D)-e 
     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). 
     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. However, TELL US AT ONCE if you believe your card and/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 permission, 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 handling your account or card. For all other unauthorized use involving the loss 
     or theft of your card or access code or if you were negligent in handling your account or card, your maximum liability for unauthorized use 
     may be up to $50.00. 
     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. This paragraph does not apply to unauthorized use of a Visa debit 
     card or other access device.  
     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: 
     413.256.5500 
     800.852.5886 
     or write to: 
     UMassFive College Federal Credit Union 
     200 Westgate Center Drive 
     PO Box 1060 
     Hadley, MA 01035 
     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 � Any documentation we provide to you that indicates that an electronic fund transfer was 
     made to another person shall be admissible as evidence of such transfer and shall constitute proof of the transaction which it records. 
     a.  Periodic  Statements.  Transfers  and  withdrawals  made  through  any  debit  card  transactions,  preauthorized  EFTs,  online/PC 
     transactions, mobile access device 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 
     413.256.5500 or 800.852.5886. 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 a proper government agency summons or request, lawful subpoena or court order; 
       -  To any credit union employee, attorney, auditor, or collection agency for the Credit Union; 
       -  To communicate the terms and history of your account to a consumer reporting agency; and 
       -  If you give us your written permission. 
     8.  BUSINESS DAYS AND HOURS � Our business days are Monday through Friday, excluding holidays. For account inquiries or 
     notices of authorized transactions, contact us during business hours between 8:00 and 5:00 on any business day. 
     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 losses or damages proximately caused by our 
     error. However, we will not be liable for direct or consequential damages in the following events: 
                                                                   02005663-51002-C-1-061821 (51002D)-e 
       -  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 pledged or 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 any act of God (such as fire, flood, or power failure) prevents the transaction. 
       -  If the money in your account is subject to legal process or other claim restricting such transfer. 
       -  If any circumstances beyond our control (such as your willful or negligent use of your card, access code, or any EFT facility for 
       making such transfers) prevent the transaction. 
       -  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 savings and checking 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: 
     413.256.5500 
     800.852.5886 
     or write to: 
     UMassFive College Federal Credit Union 
     200 Westgate Center Drive 
     PO Box 1060 
     Hadley, MA 01035 
       -  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. 
                                                                   02005663-51002-C-1-061821 (51002D)-e 
     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 Massachusetts, 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. 
                                                                   02005663-51002-C-1-061821 (51002D)-e