• Terms and Conditions
• Electronic Transfers
• Funds Availability
• Truth in Savings

• transfer funds from checking to checking
• transfer funds from checking to share savings
• transfer funds from share savings to checking
• transfer funds from share savings to share savings
• transfer funds from line of credit to checking
• make payments from checking to loan accounts with us
• make payments from share savings to loan accounts with us

• the account balance of checking accounts
• the last month of deposits to checking accounts
• the last month of withdrawals from checking accounts
• the account balance of share savings accounts
• the last month of deposits to share savings accounts
• the last month of withdrawals from share savings accounts
• loan balances
• the last check cleared
• dividend rates
• request that a check be sent to you from checking or savings accounts
• the maximum check withdrawal is $1,000.00 per day

• make deposits to checking account(s) with an ATM card
• make deposits to share savings account(s) with an ATM card
• get cash withdrawals from checking account(s) with an ATM card
  • you may withdraw no more than $500.00 per business day with VIP Checking
  • you may withdraw no more than $250.00 per business day without VIP Checking in combination with savings account(s)
• get cash withdrawals from share savings account(s) with an ATM card
  • you may withdraw no more than $500.00 per business day with VIP Checking
  • you may withdraw no more than $250.00 per business day without VIP Checking in combination with checking account(s)
• transfer funds from share savings to checking account(s) with an ATM card
• get information about:
  • the account balance of your share savings accounts
  • the account balance of your checking accounts
  • with an ATM card

• you may not exceed $2,500.00 in transactions per business day with VIP Checking
• you may not exceed $250.00 in transactions per business day without VIP Checking in combination with ATM withdrawals

• We do not charge for direct deposits to any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers.
• Terminal Transfers. You can get a receipt at the time you make any transfer to or from your account using one of our automated teller machines or point-of-sale terminals.
• Preauthorized Credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (973) 402-0734 to find out whether or not the deposit has been made.
• Periodic Statements.
  You will get a monthly account statement from us for your checking accounts.
  You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly .
  
  
• Right To Stop Payment And Procedure For Doing So. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how:

  Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to our separate fee schedule for the amount we will charge you for each stop payment order you give.

• Notice Of Varying Amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 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 Transfer. If you order us to stop one of these payments 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.

1. If, through no fault of ours, you do not have enough money in your account to make the transfer.
2. If you have an overdraft line and the transfer would go over the credit limit.
3. If the automated teller machine where you are making the transfer does not have enough cash.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
6. There may be other exceptions stated in our agreement with you.

We will disclose information to third parties about your account or the transfers you make:

1. Where it is necessary for completing transfers; or
2. In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or
3. In order to comply with government agency or court orders; or
4. If you give us written permission.

In case of errors or questions about your electronic transfers, call or write us at the telephone number or address listed in this brochure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

1. Tell us your name and account number (if any).
2. Describe the error or the 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.
3. 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 10 business days.

We will tell you the results of our investigation within 10 business days (20 business days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a point-of-sale transaction or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (20 business days if the transfer involved a point-of-sale transaction of a foreign-initiated transfer) 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 out investigation. If we ask you to put your complaint or question is writing and we do not receive it within 10 business days, we may not credit your account.

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.

GARDEN SAVINGS FEDERAL CREDIT UNION
129 LITTLETON ROAD
PARSIPPANY, NEW JERSEY 07054
Business Days: Monday through Friday
Excluding Federal Holidays, the Friday after
Thanksgiving, and Christmas Eve Day
Phone: 973-576-2000
MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST