Welcome to our PAT program. Do virtually all of your banking in the comfort of your own home, office, or anywhere there is a Touch-Tone phone.

Please read the following disclosure detailing the terms of your agreement.

In this agreement, the words, "you" and "your" mean each of the persons who signed a PAT request or who uses your PAT PIN with your consent. "We," "us" and "our" mean ACUME Credit Union.

"Account" means each of your accounts with which you use your PIN. PIN means your Personal Identification Number. PAT means our Personal Audio-Teller system.

It you use your PIN, you are bound by this agreement. We can change the terms or conditions of the agreement without telling you, unless it is required by law. Access to PAT may be discontinued without notice.

1. Account Access. You may use your PAT to:
   1. Make withdrawals from your savings and checking accounts. A check will be mailed from the credit union to the address of record on the next business day.
   2. Obtain account balances, loan payment amounts and due dates.
   3. Transfer funds between your savings, checking and loan accounts. Federal regulations may limit the number of transfers from certain kinds of accounts.
   4. Obtain information about the last dividend paid to an account.
   5. Obtain information about the most recent payroll deductions or direct deposit posted to your accounts.
   6. Obtain information on checks that have cleared within the past month.
   7. For security reasons there are other limits on the number of transfers you can make using PAT.

When you do the above transactions, you are subject to all the terms of the contracts for those accounts.

2. Joint Owner Usage. You may authorize the joint owners of your account to utilize PAT by disclosing your PIN to them. Be advised that your PIN grants access to all savings and loan suffix sub-accounts of your primary account number, and you agree that you are responsible for all transactions invited by your PIN.

1. Your PIN. You must contact the credit union in writing to activate your PIN. Your money is protected because PAT does not disburse cash from your account and you cannot transfer funds from one member's account to another's account.
2. Statements. You will receive an account statement showing all transactions involving your transactions made through PAT. No other receipts will be sent.
3. Our Liability. If we do not complete a transaction 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.

However, there are some exceptions. We will not be liable, for example:

1. If, through no fault of ours, you do not have enough funds in your account to make the transfer.
2. If the transaction would exceed the credit limit on your overdraft line, if available.
3. If the PAT system is not working properly and you know about the breakdown when you start the transaction.
4. If the circumstances beyond our control (such as fire or flood) prevent the transaction, despite reasonable precautions we have taken.

4. Limit on Liability. You may recover only your actual damages if our failure to complete a transaction:

1. Is not intentional.
2. Results from mistakes made in good faith.
3. Should have been prevented by our usual practices.

1. Safeguarding your PIN. You agree to protect your PIN. Do not keep your PIN and your account number in the same place. Memorize your PIN. Do not reveal your PIN to anyone who is not allowed to access your account. We will not be responsible for losses which occur because you did not follow these instructions.
2. Loss or Theft/Liability. Tell us AT ONCE if you believe your PIN has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose up to $500 from your accounts (plus your maximum overdraft line of credit, if available). If you tell us within (2) business days, you can lose no more than $50 if someone used your PIN without your permission.

If you do NOT tell us within (2) business days after you learn of the loss or theft of your PIN, and we have proof that we could have stopped someone from using your PIN without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transactions you did not make, tell us AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the funds you lost. After the sixty (60) days if we can prove that we could have stopped someone from taking the funds you had told us on time.

If good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods.

3. Wrongful Use. If someone uses your PIN without your consent, you will agree to provide us with a written sworn statement and will help us investigate the wrongful use. The statement will be written on our form and completely filled in. We do not have to credit you for the losses before you give us that statement.
4. Reviewing your Statements. You agree to review your statements as soon as you receive them. If a statement shows a transaction not made by you or shows any other error, you must tell us promptly. If you do not notify us within sixty (60) days after we mail the statement to you, the statement will be deemed correct; all transactions shown on the statement will be deemed to have your consent. In addition, any further unauthorized transactions made with your number, after an error which is not reported to us, will be deemed to have your consent.

1. Business Days. Our business days and hours are Monday through Friday 7:30 am - 6:00 pm. Holidays are not included.
2. Lost or Stolen PIN. If you believe your PIN has been lost or stolen, or that someone has transferred money from your account without your permission, call us at 1-877-228-6344 or write:

ACUME CU
PO Box 680
Moorestown, NJ 08057-0680

We will require a sworn statement from you in a lost or stolen PIN report.

3. Ending Authorized Use. If someone else is allowed to use your PIN and you want to end that person's use, you must notify us in writing. Send your notice to:

ACUME CU
PO Box 680
Moorestown, NJ 08057-0680

4. Account Information Disclosure. We will disclose information to third parties about your accounts or the transactions you make:

1. Where it is necessary for completing transactions.
2. In order to verify the existing condition of your account for a third party, such as a credit bureau or merchant.
3. In order to comply with a government agency or court orders.
4. If you give us permission.
5. If it involves a claim against us on an item.
6. If it is allowed under state or federal privacy laws.

If you have errors or questions about your transactions call us at 1-877-228-6344, or write:

ACUME CU
PO Box 680
Moorestown, NJ 08057-0680

as soon as possible if you think your statement is wrong or if you need more information about a transaction listed on the statement. We must hear from you within sixty (60) days after we send the FIRST statement on which the problem or errors appear.

1. Tell us your name and account number.
2. Describe the error or transaction in question and explain as early as possible why you believe it is an error or why you need more information.
3. Tell us the dollar amount suspected in error. If you tell us orally, we may require that you send and we receive your complaint or question in writing within ten (10) business days.

We will tell you the results of our investigation within ten (10) business days after we hear from you and will correct any error promptly. If additional time is required, it may take up to forty-five (45) days to investigate your complaint or question. If so, your account will be adjusted within (10) business days for the amount you think is in error. If we ask you to put your complaint in question in writing and we do not receive it within ten (10) business days, we may not adjust your account. If we decided that there was no error, we will send you a written explanation within three (3) business days after our investigation is complete. You may request copies of the documents used in our investigation. A fee may be charged for this documentation request.

We may offer PAT transaction services from time to time; all of those transactions will be subject to this agreement.