To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask you for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Privacy Statement

NationsHeritage is committed to safeguarding your confidential information. In the course of providing our services we collect personal information about you that is not publicly available. We do not sell or distribute membership lists or your personal information. We do, however, share information about you with other companies in order to complete your transactions and to provide other financial services. We believe that all information provided by our members, regardless of channel (Internet, telephone, or face-to-face), is personal and private.

We will collect information only for legitimate business purposes and to better serve our members. We will maintain accurate records based on the information provided to us. We will share information only with companies that assist us in providing products and services to our members. We will provide information when legally required and for credit reporting and fraud prevention. We will maintain stringent data security measures at all times. We will comply with all applicable privacy laws.

Disclosures

ELECTRONIC FUND TRANSFER DISCLOSURE STATEMENT

The following information describes the various types of Electronic Fund Transfers, which are available to members with the Internet Account Access service, and your rights and responsibilities concerning these transactions, including your rights under the Electronic Fund Transfers Act. Please read this document carefully. You may want to print or save this document for future reference, or if you would like a paper copy you may notify us at the telephone number or address listed in section titled "In Case of Errors or Questions About Electronic Transfer." Some information may not pertain to you.

Electronic Fund Transfers are deposits to, withdrawals from, or transfers between your accounts, which are not originated by check, draft or similar paper instrument. If your account(s) involves such transfers, you have certain rights under the law, described below. Please contact us at the telephone number or address listed in section titled "In Case Of Errors or Questions About Electronic Transfers" if you have any questions or problems.

Types of Electronic Fund Transfers Available on Internet Account Access:

With access to the World Wide Web, your member number and your PIN (Personal Identification Number) you may perform the following transactions at any time, 24-hours per day: balance inquiries, account and loan history inquiries; transfers from one of your Credit Union accounts to another of your accounts within the same member number; loan payments to the Credit Union from one of your Credit Union accounts under the same member number. Another function available on the Internet Account Access service is the capability of downloading account history files to be used as import files in Quicken™ or MS Money.

Limits on Withdrawals/Transfers:

For Share Savings Accounts only: During any one month, you may not make more than six withdrawals or transfers to another Credit Union account of yours or to a third party by means of a pre-authorized or automatic transfer (including overdraft protection), computer transfer or telephonic instruction. No more than three of the six transfers may be made by check, share draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above, you account will be subject to closure by the credit union. PLEASE NOTE: Transfers completed in person at a Credit Union office or by a withdrawal check mailed directly to you are not counted toward the limit of six/three per month.

Mortgage loan payments must be equal to or greater than the scheduled amount (Partial mortgage loan payments; are not allowed).

Your Ability to Stop Payments:

Unless otherwise provided in this agreement, you may not stop payment of Electronic Funds Transfers. Therefore, you should not employ electronic access for purchases or services unless you are satisfied that you will not need to stop payment.

The initiation by you of certain Electronic Funds Transfers from your account will, except as otherwise provided in this agreement, effectively eliminate your ability to stop payment of the transfer.

Documentation of Transfers:

You will receive a confirmation screen with reference information after every transfer you make. You may save or print this information for your records.

Your monthly statement will show all electronic fund transfers.

Any documentation provided to you, which indicates that an Electronic Funds Transfer has been made, shall be admissible as evidence and proof that such transfer was made.

Business Days:

Our business days are Monday through Friday. Holidays are not included. If the end of a calendar month falls on a Saturday or Sunday, the Credit Union will frequently "close its books" for that month after the last business day but before the last actual day of the month. Transfers made using Internet Account Access after the books are closed will be treated for dividend calculation purposes as if they occurred on the first day of the next month and will be reported on the statement applicable to the next month; but they will be shown on that statement as having occurred on the actual calendar day you made the transaction. Loan payments made by using the Internet Account Access service after the books are closed will be treated for interest calculation and transaction reporting purposes as if they occurred on the actual calendar day you received the advance or made the loan payment, but they will appear on the statement applicable to the next month. If having a record of the date on which you make a loan payment is important to you for income tax reporting purposes, you may want to make the payment on or before the close of the last business day of December to make sure it will appear on your Year-End Statement,

Credit Union Liability for Failure to Make Transfers:

If we do not complete a transfer to or from your account(s) on time or in the correct amount, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable if:

Through no fault of ours, you do not have enough money in your account to make the transfer;

Circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions we have taken.

We are legally restricted from transferring funds to or from your account; or

There may be other exceptions stated in our agreement with you.

Disclosure of Account Information to Third Parties:

In order to protect your privacy, we will not disclose any information about you or your account to any person, organization, or agency, except:
For certain disclosures necessary to complete the transfer;

For verification of the condition and existence of your account for a credit bureau or merchant;

To persons authorized by law in the course of their official duties;

To our employees, auditors, service providers, attorneys, or collection agents in the course of their duties;

Pursuant to a court order or lawful subpoena; or

By your written authorization which shall automatically expire after 30 days.

If an unauthorized disclosure has been made, we must inform you of the particulars of the disclosure within 3 days after we have discovered that an unauthorized disclosure has occurred.

If you think there is an Error on Your Statement
In case of errors or questions about the transfers made with your PIN, if you think your periodic account statement or receipt is wrong, or if you need more information about a transfer described on your statement or receipt; you may:

Telephone us at (800) 325-8428 Monday -Friday (excluding holidays) between 8:30 a.m. and 4:30 p.m
OR
Write us at 607 Pleasant St., PO Box 779, Attleboro, MA 02703 OR
E-mail us at info@nationsheritagefcu.com

When you call, write or e-mail:

Provide your name and account number.

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.

Include the dollar amount of the suspected error and, if possible, the date it first appeared on your statement.

Provide a telephone number where you can be reached during our business hours in case we need further information.

If you tell us verbally, we will require you to send us your question or complaint in writing within 10 business days at the address stated above.

We will inform you of the results of our investigation within 10 calendar days following the date you notified us. We will correct any error promptly. If we need more time, however, we may take up to 45 calendar days to investigate your complaint or question following the date you notified us. If we decide to use more time to investigate, within 10 calendar days following the date you notified us, we will credit your account 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 the investigation. If we ask you to submit your complaint or question in writing and we do not receive it within 10 calendar days following your verbal notification, 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 and we must make these available for your inspection.

Amendments:

We may amend the terms and conditions of this disclosure at any time. We will give you notice at least 30 days before the amendment becomes effective if the amendment results in greater costs or liability to you or stricter limitations on the transfers you may make. If however, an immediate change in the terms and conditions is necessary for security reasons, we may amend these terms and conditions without such prior notice

Liability for Unauthorized Transfers:

You will be liable for unauthorized use of your Internet Account Access PIN to the extent allowed by applicable federal and state laws. Tell us AT ONCE if you believe your PIN has been lost, stolen or used without your permission. Calling us is the best way of keeping your possible losses to a minimum. If you tell us within 48 hours, you can lose no more than $50 if someone used your Internet Account Access PIN without your authorization. If you do NOT tell us within 48 hours after you learn of the loss or theft of your Internet Account Access PIN, and we can prove we could have prevented someone from using your PIN without your authorization, you could lose as much as $500.