Atlantic Health System Federal Credit Union

Homelink Home Banking Terms and Conditions

TERMS AND CONDITIONS - Atlantic Health System Federal Credit Union

The following Terms and Conditions govern your use of Homelink Home Banking. By using Homelink Home Banking, you agree to these Terms and Conditions. You may print this document for your files or you can request a copy by mail by calling Member Service at (908) 522-3530. Or you can write to: Atlantic Health System Federal Credit Union 99Beauvoir Avenue, Summit, NJ  07902.

Types of Available Transfers and Services

Here's what you'll be able to do on your computer with Homelink Home Banking:

Obtain account balances, transaction and statement information as of the close of business on the preceding Business Day. Review transaction information for up to 90 days for deposit accounts (ie. a savings account with a quarterly statement would display four statement dates). Download transaction information to a Personal Financial Manager such as Microsoft® Money or Quicken® by following the online instructions accessible through the Download a File menu selection under Account History menu. Make transfers from your checking, savings or other available accounts to your checking, savings or other available accounts, or installment loan accounts.  Access information on AHSFCU products and services. Obtain a summary of checking, savings, money market, CDs, or other available accounts, or installment loans.  Send secured e-mail to us. Register for the Bill Pay service to pay bills or make payments from your account to a business or person in the United States. Maintain an online Register for your checking and savings accounts to categorize transactions and generate reports. View, print and download electronic deposit statements by enrolling in the eStatement service, which can also cancel your paper statement.

Account Access

 Access information about the following types of Accounts:   Checking Accounts Savings Accounts Certificate of Deposit Accounts (CDs) Individual Retirement Accounts (IRAs) Investment Accounts Line of Credit Accounts Installment Loans

Accounts Not Eligible for Access

Fiduciary accounts Any account that requires two or more signatures.  Any person you have authorized to access your Homelink Home Banking Account is authorized to:

Accept these Terms and Conditions, as amended from time to time Access each eligible Account of yours in any manner and for any purpose available through Homelink Home Banking, whether now available or available at some time in the future. You agree that any eligible Account opened at a future date will automatically be linked.

Removal of Account Access

You may remove access to any Account by notifying the Credit Union by Credit Union Mail or in writing.

Your Password

Your password is used to identify you when accessing Homelink Home Banking. Your Password acts as your signature.

You can change your Password at any time. For your protection, you should memorize your Password and not keep any notation of your Password on or with your computer. The Password assures that only you, or someone to whom you give your Password, can access your Homelink Home Banking Account. You agree not to give your Homelink Home Banking Member ID or Password to anyone you do not authorize to use your Homelink Home Banking Account. If you do, you will be responsible for any money withdrawn or transferred from your Accounts when such person uses your Password.

If any of your Accounts are joint accounts or have additional authorized signers, each owner, or authorized signer whom you wish to have access to your Homelink Home Banking Account, must know the Password. This will give that person access to your Accounts.   You understand and agree that each owner of an Account is jointly and individually responsible for all Homelink Home Banking transactions that affect that Account.

Limitations on Frequency of Transfers and Dollar Amounts

You may use Homelink Home Banking and the Bill Pay service as often as you want. Internet transfers or Bill Payments must not exceed your Available Balance in the Account on the day the transfer is made, unless you have authorized the Credit Union to use your usable balance.   If you make Homelink Home Banking transfers from your savings account to another of your Accounts, those transfers are counted as telephone transfers and added to your other automatic, pre-authorized check or telephone transfers made from such Account and limited to six for each statement cycle in accordance with your account agreement.   If you exceed the limitation, then the Credit Union may be required to close your savings account and transfer the balance to a checking account.

Transfer Processing

Date of Immediate Transfer Request On a Business Day - before Approximately 8:00 am EST.

Date Immediate Transfer will be made

Same Business Day that the transfer is requested prior to 3:00 pm EST.

The Credit Union may reject a transfer instruction if there are insufficient Available Funds in your Account, or in the usable balance in your AHSFCU Account, or for any other reason. In the event of insufficient Available Funds on a future transfer, a Credit Union Mail notification will be sent to you. 

Electronic Funds Transfer Provisions for Consumers

The provisions in this section apply only to electronic funds transfers that debit or credit a consumer's checking, savings or other asset account and are subject to the Federal Reserve Board's Regulation E (an 'EFT'). The Credit Union may rely on any exceptions to the provisions in this section that are contained in Regulation E. All terms not otherwise defined in these Terms and Conditions which are defined in Regulation E will have the same meanings when used in this section as they do in Regulation E. Your liability for an unauthorized EFT or a series of related unauthorized EFTs will be determined as follows:

If you notify us within two business days after learning of the loss or theft of your password, your liability will not exceed the lesser of $50 or the amount of unauthorized EFTs that occur before notice to us. If you fail to notify us within two business days after learning of the loss or theft of your password, your liability will not exeed the lesser of $500 or the sum of: $50 or the amount of unauthorized EFTs that occur within the two business days, whichever is less; and The amount of unauthorized EFTs that occur after the close of two business days and before notice to us, provided we establish that these EFTs would not have occurred had you notified us within that two-day period. You must report an unauthorized EFT that appears on a periodic statement within 60 days of our transmittalof the statement to avoid liability for subsequent transfers. If you fail to do so, your liability will not exceedthe amount of the unauthorized EFTs that occur after the close of the 60 days and before notice to us, and that we establish that they would not have occurred had you notified us within the 60-day period. You may, as applicable, also be liable for the amounts described in the two immediately preceding paragraphs. If your delay in notifying us was due to extenuating circumstances, we will extend the times specifiedin the three immediately preceding paragraphs to a reasonable period.

Telephone Number and Addresses

The telephone number and address to be used to notify the Credit Union when you believe that an unauthorized EFT has been or may be made are: Member Service at (908) 522-3530 or you may write to Atlantic Health System Federal Credit Union,  99 Beauvoir Avenue, Summit, NJ  07902.

Your Right to Receive Documentation of Transfers

 You will receive a monthly statement in the mail for each Account, unless you have chosen to receive eStatement service. Your statement will reflect all your transactions, including your Homelink Home Banking transactions. If you have registered for the Bill Pay service, your monthly statement will reflect bill payments.

Liability for Failure to Complete Homelink Home Banking Transactions

If we do not complete a Homelink Home Banking Transaction on time or in the correct amount according to this agreement with you, we will be liable for your losses or damages caused by such failure but not for any special or consequential damages, unless required by applicable law. However, there are some exceptions. We will not be liable for any indirect, incidental, special or consequential damages if our failure was not intentional and resulted from a bonafide error, notwithstanding our procedures to avoid such error, for instance:

If you do not have enough available funds in your Account to make your transfer. If your computer malfunctions. If the Web Browser or the processing center of the Credit Union or its agent that is used for Homelink Home Banking is not working properly and you knew or were advised by the Credit Union or its agent about this when you made the Internet Banking Transaction. If circumstances beyond our control (such as fire, flood, computer failure or interference from an outside force) prevent the Homelink Home Banking transaction from being properly made or completed. If your Password or Member ID has been reported lost or stolen or we have reason to believe that the Homelink Home Banking transaction is unauthorized. If the transaction would violate any applicable provision of any risk control program or applicable policies,procedures or practices, or government regulations. If we have reasonable cause not to honor for our or your protection. If your Homelink Home Banking access has been suspended. If the funds in your Account are subject to legal process or other encumbrance restricting the transfer. If the Bill Payment Process Date is not at least 5 (five) Business Days prior to the due date of such payment.  There may be other exceptions stated in our agreements with you.

Electronic Statements Enrollment Agreement

By enrolling in the eStatement service to view and print selected statements for your designated accounts, you agree that:

You will receive an email alert - Atlantic Health System Federal Credit Union is authorized to send you an email alert when your periodic online statement is ready. It is your responsibility to inform us of any changes to your email address. Your paper statement will no longer be mailed - After a period of 60 days, AHSFCU will no longer deliver the selected statement(s) to you via U.S. Mail. By clicking “I agree” during the eStatement enrollment process you, the account owner or authorized representative of the designated account(s), confirm that: (1) You have the available software and equipment required to view and print your statements. (2) You have provided a valid email address to receive notifications that your electronic statement is available. (3) You agree to receive the statement(s), you have indicated, electronically and you agree to be bound by the terms of this agreement.

Accessing eStatements

AHSFCU will send electronic notice to the email address provided and deliver selected periodic account statements to your AHSFCU Homelink Home Banking account. You will have access to an electronic version of your account statement(s) for up to 6 months. This service provides you with the flexibility to print and save account statements that are made available online. You may select electronic delivery of one or all of the listed statements.

Your paper statement will continue for 60 days

For a period of 60 days from the date you select electronic delivery of an account statement, AHSFCU will continue to also deliver the selected statement(s) to you via US Mail. After 60 days, the delivery by U.S. mail will be discontinued and statements will be delivered electronically only. At your request, AHSFCU will send you a paper copy of your electronic statement previously delivered through the Homelink Home Banking service at any time. AHSFCU’s standard fee then in effect and charged for paper delivery copies of account statements will apply. Paper copies of electronic statements can be requested by contacting AHSFCU’s office at (908) 522-3530 or other location as AHSFCU may advise. A request for a paper copy does not cause a termination of the electronic statement service. A paper copy of electronic statements can be obtained until the copy is no longer required to be maintained as a record for the designated account under applicable law or regulation.

Joint account holders

Each joint account holder may sign up to receive eStatements individually. Delivery of paper statements will stop 60 days after either one of the joint owners of the account enrolls in the eStatement service. To cancel the eStatement service, both owners of the account must request the change.

You may continue to receive paper disclosures

The selected account(s) through Homelink Home Banking, AHSFCU, at its discretion, may deliver statements in paper form to your last postal mailing address of record, as well as certain paper disclosures, account records, agreements and other information for your designated account(s).

AHSFCU will send an email alert when your eStatement is available

The only notice that you will receive advising you that your electronic periodic statement has been posted to Homelink Home Banking will be by email alert sent to the single, specific email address selected and confirmed and validated by you upon enrollment. One attempt will be made to notify you by email that your electronic statement is available to view. If the email address provided is returned as “undeliverable”, you will be prompted to enter a new email address the next time you attempt to use the eStatement service in Homelink Home Banking. This email will be the only notice you will receive and no other notice will be sent. Any and all notices sent by AHSFCU to the email address will constitute sufficient and effective delivery to you and all owners of the information contained in your electronic statement whether or not you access or review the notice, Homelink Home Banking site or specific electronic statement, and shall be deemed to have beendelivered to you personally, whether actually received or not. You agree to maintain access to Homelink Home Banking in a manner that gives you continuous ability to access, review and print your electronic statements and to receive and access all notices sent to you at the designated email address. It is your sole responsibility to advise AHSFCU immediately of any changes or updates to the designated email address. There are certain risks associated with the transmission of email notices through the Internet including but not limited to unauthorized access, system outages, delays, disruption in telecommunications services and the Internet. Email is not private or secure. The email notice sent to you by email is an unencrypted, automatic notice. Although the notice is not intended to contain personally identifiable confidential financial information, it may contain in its design, part or all of your name or other identifier, which could be seen or intercepted by others ifdelivered to your business address or other computers or electronic devices not exclusively under your control. Do NOT respond to the email notices by return email, or use the reply function to request information, service, paper copies or other items or to revoke consent. AHSFCU will not be responsible to act upon requests made in that manner.

Canceling the eStatement service

You or any designated account owner may revoke consent for the electronic statement service for one or more designated accounts at any time by unenrolling your accounts through the eStatement Modify Settings page located in AHSFCU’s Homelink Home Banking. Electronic posting of your electronic statement on Homelink Home Banking and transmission of related email notices will continue until: (1) termination of the electronic statement service, (2) termination of your designated account with AHSFCU, or (3) termination of your Homelink Home Banking service with AHSFCU. AHSFCU may terminate the electronic statement service for any or all designated accounts at any time. Upon such termination, delivery of paper copies of account statements will resume within a reasonable time. Termination of the electronic statement service does not affect the validity or legal effect of any electronic statement delivered to you or any owners of the account(s) through Homelink Home Banking.Termination of the electronic statement service does not terminate the Homelink Home Banking service unless otherwise so stated.

Hardware and Software Requirements You agree that you have or will have access at all times to a personal computer capable of supporting at your cost; high level browser encryption, Internet access, a valid email address, and Homelink Home Banking. You must also have access to Adobe Acrobat Reader to utilize PDF files.

If the method of electronic delivery by AHSFCU changes so as to require additional software, upgrades, plug-ins or additional security features in your hardware of software system used by you, you may terminate the electronic statement service or you agree to upgrade your hardware or software system to the required standards.

If AHSFCU determines that a change to the electronic statement service concerning any future system or hardware enhancement creates a material risk that you may not be able to access or retain a subsequent electronic record, AHSFCU will notify you of such change and allow you to withdraw consent for this electronic statement service, whereupon AHSFCU may terminate this service until you choose to enroll again in this service and deliver a new consent to participate in this service by accepting AHSFCU’s online consent form posted on Homelink Home Banking.

You understand that your accessing electronic statements through Homelink Home Banking and receiving email notices may incur certain costs associated with email, electronic access, downloading, online time and subscription costs associated with Internet and telecommunications service providers, paper and printing costs, and equipment or software upgrades if necessary. You agree that you will pay all such costs and expenses in connection with your use of the electronic statement service.

Consent to this agreement

By clicking the “I Agree” button at the bottom of the, Electronic Statements Enrollment Agreement you represent to AHSFCU that you are authorized as the owner or on behalf of the owner of the designated account(s) to consent to electronic delivery of account statements and accept the terms of this agreement.

In Case of Errors or Questions About Your Homelink Home Banking Transactions

If you think your Account statement sent to you by the Credit Union or transaction information obtained by you through Homelink Home Banking is wrong or if you need more information about a Homelink Home Banking transfer listed on that statement, contact us as soon as possible. You must notify us no later than 60 calendar days after we sent, or you obtained through Homelink Home Banking, the first statement in which the problem or error appeared. Call the telephone number on your statement or(908) 522-3530.

You may also write the Credit Union at:

Atlantic Health System Federal Credit Union,   99 Beauvoir Avenue, Summit, NJ  07902

Tell us your name and the Account number. Describe the error or 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. Tell us the date the error occurred.   If you inform us verbally, we may require that you send us your complaint or question in writing within 10 Business Days.   We will report back to you within 10 Business Days after we hear from you and will correct any error promptly. If we require more time, however, we may take up to 45 calendar days to investigate your complaint or question. If we decide to do this, we will credit your Account within 10 Business Days for the amount you think is in error, so that you can use 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 10 Business Days, we do not have to re-credit your Account.

If a notice of error involves a Homelink Home Banking transaction that occurred within 30 days after the first deposit to the account was made, the time period for action listed above will be 20 Business Days in place of 10 Business Days and the time period for investigation will be 90 calendar days in place of 45 calendar days.

If we decide that there was no error, we will send you a written explanation within 3 Business Days after we finish our investigation. You may ask for copies of the documents that we used in our investigation.

If your Account is in the joint names of you and one or more other persons, then each of you will be responsible for Homelink Home Banking transactions made by any of you.

Indemnification

Except to the extent that we are liable under these Terms and Conditions or an agreement that governs an Account of yours, if you are an owner of an Account, you agree to indemnify and hold us, our directors, officers, employees and agents harmless from all loss, liability, claims, demands, judgments and expenses arising out of or in any way connected with an Account or the performance of Homelink Home Banking, Check Register, or Bill Pay Services. This indemnification is provided without regard to whether our claim for indemnification is due to the use of Homelink Home Banking by you or your authorized representative.

Limitation of Liability

Except as specifically provided in these Terms and Conditions or where applicable law requires a different result, NEITHER WE NOR OUR SERVICE PROVIDERS OR OTHER AGENTS WILL BE LIABLE FOR ANY LOSS OR LIABILITY RESULTING IN WHOLE OR IN PART FROM ANY ACT OR FAILURE TO ACT OF YOUR EQUIPMENT OR SOFTWARE, OR THAT OF AN INTERNET BROWSER PROVIDER, OR BY AN INTERNET ACCESS PROVIDER, BY AN ONLINE SERVICE PROVIDER OR BY AN AGENT OR SUBCONTRACTOR FOR ANY OF THEM, NOR WILL WE OR OUR SERVICE PROVIDERS OR OTHER AGENTS BE RESPONSIBLE FOR ANY DIRECT, INDIRECT, SPECIAL, OR CONSEQUENTIAL ECONOMIC OR OTHER DAMAGES ARISING IN ANY WAY OUT OF YOUR ACCESS TO OR USE OF, OR FAILURE TO OBTAIN ACCESS TO HOMELINK HOME BANKING, CHECK REGISTERS OR BILL PAY SERVICES.

Credit Union Mail (Secured Email)

We will respond to your Credit Union Mail promptly after we receive it. Do not use Credit Union Mail if you need to contact us immediately. Call us at (908) 522-3530. We may use Credit Union Mail to communicate occasional updates of new features, surveys and special offers from AHSFCU.

Recording of Phone Calls and Email

You authorize the Credit Union and its agents to record or copy any phone call made to or Email sent to the Credit Union concerning Interent Banking.

Fees

Homelink Home Banking and the Bill Pay service is FREE to all AHSFCU Members. Your Internet service provider may charge fees. Electronic transaction charges may apply. Please refer to your account agreement.

Changes to the Terms of the Agreement

The Credit Union may change this Agreement by electronically sending to you a Credit Union Mail notice, mailing to you a notice or posting a notice of such change in the Credit Union's office where you maintain your Account. However, if the change results in (1) increased or new fees or charges, (2) increased liability for you, (3) fewer types of available Homelink Home Banking services, or (4) stricter limitations on the frequency or dollar amounts of transfers, then, unless the change must be made immediately for security reasons, at least 30 days before the effective date of the change the Credit Union will either electronically send you a Credit Union Mail notice or mail a written notice to you. Any notice to you will take effect when it is personally delivered to you or by Credit Union Mail to you by Internet Banking or mailed to the last address we have for you in our records.

Other Rules

Homelink Home Banking transactions are also subject to the Credit Union's account agreements and rules, and your access and use of Homelink Home Banking is also subject to these Terms and Conditions.

Termination

The Credit Union may cancel your Homelink Home Banking access without prior notice if there has been no Homelink Home Banking activity for a period of 6 consecutive months or for any other reason. The Credit Union may suspend your Bill Payment service without prior notice if there has been no Bill Payment activity for a period of 3 consecutive months or for any other reason.  The Credit Union may also cancel all or part of Homelink Home Banking.

Assignment

We may assign our rights under this Agreement to a company affiliated with us or to any other party.

Applicable Law This Agreement shall be governed by the laws of the State of New Jersey, NCUA and applicable federal law and regulations.

(submitted July 1, 2006)