EFT DISCLOSURE

In Case of Errors or Inquiries About Your Statement

The Federal Truth in Lending Act requires prompt correction of statement mistakes.  If you think your statement is wrong, or if you need more information about a transaction on your statement, write us (on a separate sheet) at the address shown on your statement as soon as possible.  We must hear from you no later than 60 days after we sent you the first statement on which the error or problem appeared.  You can telephone us, but doing so will not preserve your rights.  In your letter, give us the following information:

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error and explain, if you can, why you believe there is an error.  If you need more information, describe the item you are unsure about.

You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your statement that are not in question.  While we investigate your questions, we cannot report you as delinquent or take action to collect the amount you question.

In Case of Errors or Inquiries About Your Electronic Transfers

Telephone or Write Us as soon as you can, if you think your statement is wrong or if you need more information about a transfer on the statement or receipt.  We must hear from you no later than 60 days after we sent you the FIRST statement on which the error or problem appeared.

• Your name and account number.
• The dollar amount of the suspected error.
• Describe the error or transfer you are unsure about, and explain why you believe there is an error or why you need more information.

We will investigate your complaint and will correct any error promptly.  If we take more than 10 business days to do this, we will credit your account for the amount in question, so that you will have the use of the money during the time if takes us to complete our investigation.  If the Credit Union has given your account a provisional credit and the Credit Union finds that they are not at fault, your provisional credit may be withdrawn at anytime.

Your Rights and Our Responsibilities After We Receive Written Notice

We must acknowledge your letter within 30 days unless we have corrected the error by then.  Within 90 days we must either correct the error or explain why we believe the statement was correct.

Report errors or make inquiries to:

Healthcare Employees Federal Credit Union
29 Emmons Drive, Suite C-40
Princeton, NJ 08540
(800) 624-3312 – (609) 275-4194 Fax
www.hefcu.com