Electronic Funds Transfer Disclosure

Automated Teller Machine (ATM) Card, VISA® Check Card, TeleBranch 24, and Internet Branch

Indicated below are types of Electronic Funds Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your share draft or share savings account(s).

Preauthorized payments. You may make arrangements to pay certain recurring bills from your share draft checking account.

ATM transactions - types of transactions and dollar limitations (VISA®, PLUS, HONOR, CIRRUS, and ENCORE networks). You may access your account(s) by ATM using your ATM card or VISA® Check Card and personal identification number, to:

• make deposits to share draft or share savings account(s) with an ATM card or VISA® Check Card
• get cash withdrawals from share draft or share savings account(s) with an ATM card or VISA® Check Card

- you may withdraw no more than $300 per business day (a business day is midnight to midnight Monday through Sunday) from share draft and/or share savings accounts combined

• transfer funds from share savings to share draft account(s) with an ATM card or VISA® Check Card
• transfer funds from share draft to share savings account(s) with an ATM card or VISA® Check Card
• get information about the account balance of your share savings or share draft account(s) with an ATM card or VISA® Check Card. Some of these services may not be available at all terminals. VISA® Check Card Point-of-Sale Transactions - types of transactions and dollar limitations. You may access your share draft account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).
• you may not exceed $1,500.00 in transactions per business day, with a $5,000.00 aggregate over a four day period.
• you may not exceed $300.OO in point-of-sale PIN transactions per business day (point-of- sale PIN transactions are through the HONOR network).
• Moneyline Express Transactions. Types of transactions and dollar limitations. You may use your Moneyline Express Personal Security Code (PSC) to make payments by telephone from your share draft account to any vendor on your authorized vendor list in the amounts and on the days you request. You can make any number of payments from your share draft account to any vendor on your list. You may make payments up to the amount of the available balance in your share draft account. If you have LoanMaker with your share draft account, you may make additional payments up to the amount of your available line of credit. You may not use Moneyline Express to make payments in amounts of $10,000.00 or more.

TeleBranch 24 and Internet Branch Transactions - types of transactions. You may use our TeleBranch 24 and Internet Branch services and your PIN code to:

• transfer funds between your share and share draft accounts
• obtain current balance information
• obtain information on paid drafts and other transactions
• access your line of credit, if any, and transfer line of credit funds to your share or share draft account
• to request withdrawal of funds from your share or share draft account and ask that a check be mailed to you
• to gain Cross Account access for transfers from your share, share draft account, or loan to a second member's share, share draft account, or loan upon completion of the "Request For Cross Account Access" form. In addition to transfer capabilities, you will be given inquiry capability into the second member's share and loan accounts. If either the first or second member listed does not want the inquiry access to be allowed, NO INQUIRIES ALLOWED should be written on the "Request for Cross Account Access" form. The top section of the "Request For Cross Account Access" form must be completed and signed by you and the member to whose account you are transferring funds.

Fees

See our Service Fee Disclosure for applicable charges.

Verification

• 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.
• TeleBranch 24/Internet Branch. You may verify recent activity in your account using TeleBranch 24 or the Internet Branch.
• Periodic statements. You will get a monthly account statement from us for your share draft checking and open end loan accounts. You will get a quarterly account statement from us for your share savings accounts, unless there are electronic transfers in a particular month, in which case, you will get a monthly statement.
• 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 use TeleBranch 24 or the Internet Branch to find out whether or not the deposit has been made, or you can call us at (410) 955-4500 or I -800-JHFCU7O (outside of the Baltimore metropolitan area).

Preauthorized Payments

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. Call or write to us at the telephone number or address set out in this brochure for reporting stolen devices in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will also require you to put your request in writing and get it to us within fourteen (14) days after your call. Stop payments are subject to fees as outlined in the Service Fee Disclosure.

Financial Institution's Liability

Liability for failure to make transfers. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance:

1. If, through no fault of ours, you do not have enough money in your account to make the transfer or payment.
2. If you have a LoanMaker or 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 or is not working properly.
4. If the terminal or system was not working properly and you knew about the breakdown when you started the transfer.
5. If your card or PIN is not working properly.
6. If our computer system is unavailable at the time you wish to make the transfer.
7. If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken.
8. There may be other exceptions stated in our agreement with you.

Confidentiality

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 govemment agency or court orders; or (4) if you give us written permission.

Unauthorized Transfers

1. Consumer liability.
   1. Generally. Tell us AT ONCE if you believe your card and/or PIN has been lost or stolen. Telephoning is the best way of limiting your possible losses. You could lose all the money in your account (plus your maximum LoanMaker and/or overdraft line of credit). If you believe your card, and/or PIN has been lost or obtained by an unauthorized person, and you tell us within two business days after you learn of the loss or theft, you can lose no more than $50.00 if someone used your card and/or PIN without your permission.

      If you do NOT tell us within two business days after you learn that your card and/or PIN is lost or obtained by an unauthorized person, and we can prove we could have stopped someone from using your card and/or PIN without your permission if you had told us, you could lose as much as $500.00 ($50.00 for the VISA® Check Card).

      Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time.

      If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

   2. Additional Limits on Liability for VISA® Check Card, when used for point-of-sale transactions. Unless you have been grossly negligent or have engaged in fraud, you will not be liable for any unauthorized transactions using your lost or stolen VISA® Check Card, when used for point-of-sale transactions, if you report the loss or theft of your card within two business days of when you discover the loss or theft of the card. If you do NOT tell us within two business days, your liability is the lesser or $50.00 or the amount of money, property, labor, or services obtained by the unauthorized use before notification to us.
2. Contact in event of unauthorized transfer. If you believe your card, PSC, and/or PIN has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call or write us at the telephone number or address listed below:

Business Days: Monday through Friday - 8:00 - 4:30
Excluding Johns Hopkins University Holidays

To report a lost or stolen VISA Check Card after business hours, call 1-800-333-3054. You will need to know your card number.

Error Resolution Notice

In Case of Errors or Questions About Your Electronic Transfers. Call or write to us at the telephone number or address listed above, 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 (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved 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 (5 business days if the transfer involved a point-of-sale transaction and 20 business days if the transfer involved 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 our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we are not obligated to 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.