Answer:
Endothermic reaction
Step-by-step explanation:
Endothermic reactions are defined as the type of chemical reaction in which the system absorbs the energy from the surroundings and the temperature of the surrounding decreases while in Exothermic reactions, heat is released by the system to the surroundings and it makes the surrounding warm.
The given example is an "endothermic reaction" because the reaction between NH4Cl and water is making the surrounding cool (cold pack) due to the release of heat.
Hence, the correct answer is "endothermic reaction".