Disclosure Statement of Terms and Conditions on Use of Automatic Teller Machine Cards

       This disclosure is provided to members/consumers according to the provisions of the Federal Electronic Funds Transfer Act.  As used in this Disclosure, the  words "we", "us" or the "Credit Union" refer to the employees of Metro North Federal Credit Union; the words "you" and "your" refer to the member ( and joint account holder, if any); the words "ATM Card": refer to the Credit Union access card. This Disclosure applies to Automated Teller Machine (ATM) services provided by Metro North Federal Credit Union. Please read this Disclosure in it's entirety because these disclosures may affect you.

        1. YOUR LIABILTY FOR UNAUTHORIZED TRANSFERS.

   Tell us AT ONCE if you believe your ATM Card and /or PERSONAL IDENTIFICATION NUMBER (PIN) has been lost, stolen or used without your permission. Telephoning us is your best way of keeping your losses down. You could lose all the money in your account(s). If you tell us within two business days, you can lose no more than $50 if someone used your ATM CARD and/or PIN without your permission.
If you do not tell us within two business days, after you learn of the loss or theft of your ATM CARD and/or PIN, and we can prove we could have stopped someone from using your ATM CARD and/or PIN without your permission if you had told us, you could lose as much as $500.

    Also, if your statement shows transactions that you did not make or authorize, tell us AT ONCE. If you do NOT tell us within 60 days after the statement was mail to you, you may not get back any of the money you lost after 60 days. If your periodic statement shows transfers that you did not make, notify the credit union at once. If you do not notify the credit union within 60 days after the statement was mailed to you, you may lose any and all funds after the 60 days if the credit union can prove that the loss could have been prevented had you notified the credit union in time.

       2. CREDIT UNION TELEPHONE NUMBERS AND ADDRESS.

   If you believe you ATM CARD and/or PERSONAL IDENTIFICATION NUMBER has been lost or stolen,    call: 1-904-757-5562 or write to:
  Metro North Federal Credit Union, 310 Dundas Drive., Jacksonville, FL 32218.

       3. ATM CREDIT UNION BUSINESS DAYS. Our business days are Monday through Friday, 7 Am to 4:30 PM (Eastern time). Holidays are not included.

        4. OUR ELECTRONICFUND TRANSFER SERVICES. Types of available transactions and limits on transactions: Your Share/Share Draft Account may be accessed by you ATM card for the following:

       (a) Deposits                (c) Transfers                     (e) Inquires

       (b) Withdrawals          (d) Point-of-Sale              

You may use your ATM CARD to: Withdraw funds from your Share and Share Draft Account.

       5. LIMITATIONS ON ELECTRONIC FUND TRANSFERS.

            (a) ATM Card. you may withdraw up to the daily limit each day.
            The daily limit will be in effect 7 days a week.

            (b) ATM Deposits may be subject to a 48 hour hold. Reg E requires $100 next day release of those                      funds deposited.

       6. FEES AND CHARGES. Charges for your Metro North Federal

ATM Card privilege are listed below:

                  (a) You will be given 10 (ten) free transactions per month.

                  (b) We will charge $1.50 per transaction fee.

                  (c)     A replacement card is $5.00.

                  (d) A replacement PIN is $5.00.

                  (e) A $20.00 service charge will be accessed for transactions not covered by sufficient funds.

You hereby agree to authorize the Credit Union to debit any of your accounts to cover any or all of the above charges.