Telephone Teller 
Disclosure of Terms and Conditions*
Automated Telephone Teller Service

The purpose of this disclosure statement is to inform you of certain rights, which you have under the Electronic Funds Transfer Act, Regulation E.

Protect your authorization number. Although funds cannot be paid to another person with this service, either by transfer or check, information about balances and activity can be obtained. If you believe that another individual may know your authorization code, please notify the credit union and request a new code number. Telephone (607) 724-5876, or write to:

Horizons Federal Credit Union
120 Main Street
Binghamton, NY 13905

Transfers made with this system can only be made between sub-accounts of the same member account number. Withdrawal checks will be made payable to the first named account owner and will be mailed to the address on record for the account.

Any month in which you make transfers or withdrawals with this service, you will receive a monthly statement detailing those transactions.

In case of errors or questions about your transactions, telephone (607) 724-5876, or write us at the above address. We must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. You must provide us with the following:

a) Your name and account number.

b) A description of the error, and an explanation of why you believe it is an error or why you need more information.

c) The dollar amount of the suspected error.

If you advise us verbally, we still require that your complaint or question be put in writing within ten (10) business days. We will tell you the result of our investigation 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 forty-five (45) days to investigate your complaint or question. If we decide to do this, we will re-credit your account within ten (10) business days for the amount you think is in error, so that you will have use of the money during the time it takes us to complete our investigation. If you do not receive your complaint or question in writing within ten (10) business days, we may not e-credit your account. If we decide that there is no error, we will send you a written explanation within three (3) business days after we finish our investigation. You may ask for copies of the documents that we use in our investigation. If we credit your account with funds while investigating an error, you must repay those funds to us if we conclude no error has occurred.

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* This disclosure may be printed and retained for your records.

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