*Fees subject to change after this date.
**Except automatic and/or pre-authorized transfers as limited by Reg
D. See JHFCU's Agreements and Disclosures.
Note: The above includes fees charged by JHFCU. It does not
include any surcharges that may be levied by the machine owner at the
time of the transaction. Credit Union members with Visa Check cards are not surcharged for
withdrawals at M&T ATMs.