Common use of Completing Transactions Clause in Contracts

Completing Transactions. We refuse to complete a transaction: • If you do not have enough money in your account; or • If you would go over your credit limit; or • If it would lower your balance to less than the required balance; or • It would require us to change the money that we hold for the account Electronically created items (ECI). Electronically created items including emailed payments are non-conforming images. However, we reserve the right to collect the funds when the item is returned. Other Minnesota Disclosures. Automatic Teller Machine (ATM) transactions are completed immediately with us. You cannot reverse a transfer of money through an ATM. Payment for goods or services by transfer of money through an ATM does not affect any of your rights, protections or liabilities under existing law concerning a cash or credit sale made by means other than through use of an ATM. We are liable for all unauthorized withdrawals at an ATM or Point of Sale (POS) transfers unless the unauthorized withdrawal was due to loss or theft of the card, in which case you are liable, up to a maximum liability of $50 for those unauthorized withdrawals made before we are notified of the loss or theft. The limitation on liability is effective only if the card issuer is notified of the unauthorized charges contained in a bill within sixty (60) days of receipt of the bill by the person in whose name the card is used. An unauthorized withdrawal is a withdrawal by a person other than you who does not have actual, implied or apparent authority for such withdrawals, and from which withdrawals you receive no benefit. You may bring a civil action against any person violating the consumer privacy and unauthorized withdrawal provisions of Minnesota law. In addition to actual damages or $500, (whichever is greater) you may recover punitive damages, plus court costs and reasonable attorney’s fees incurred. To protect the privacy of customers using electronic financial terminals, including any supporting equipment, structures or systems, information received by or processed through such terminals, supporting equipment, structures or systems shall be treated and used only in accordance with applicable law relating to the dissemination and disclosure of such information. The person establishing and maintaining an electronic financial terminal, including any supporting equipment, structures or systems, shall take steps as are reasonably necessary to restrict disclosure of information to that necessary to complete the transaction and to safeguard any information received or obtained about a customer or his or her account from misuse by any person xxxxxxx an electronic financial terminal, including any supporting equipment, structures or systems. ATM SAFETY TIPS As issuers of Automated Teller Machine (ATM) access devices, we have provided for your information a list of safety precautions regarding the use of automated teller machines. Please read the following safety tips: • Be aware of your surroundings, particularly at night • Consider having someone accompany you when the automatic teller machine is used after dark • It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction. • Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in the safety of your car or home. • Consider using another automated teller machine or coming back later if you notice anything suspicious. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM access device and leave. • Go to the nearest public area where people are located if you are followed after making a transaction.

Completing Transactions. We refuse to complete a transaction: • * If you do not have enough money in your account; or • * If you would go over your credit limit; or • * If it would lower your balance to less than the required balance; or • It * If it would require us to change the money that we hold for the account. Time Needed To Complete Terminal Transactions. Withdrawals made at a terminal will normally be completed and charged to your account Electronically created items (ECI)the same day if made before 4:00 P.M. for the ATM and 6:00 P.M. with Online Banking. Electronically created items including emailed payments are non-conforming imagesDeposits made at a terminal will normally be credited to your account the same day if made before 4:00 P.M. at the ATM. However, we reserve Transfers between accounts will normally be completed the right to collect same day if made before 4:00 P.M. at the funds when the item is returnedATM and 6:00 P.M. with Online Banking. Other Minnesota Disclosures. Automatic Teller Machine (ATM) ATM transactions are completed immediately with us. You cannot reverse a transfer of money through an ATM. Payment for goods or services by transfer of money through an ATM does not affect any of your rights, protections or liabilities under existing law concerning a cash or credit sale made by means other than through use of an ATM. We are liable for all unauthorized withdrawals at an ATM or Point of Sale (POS) transfers a POS unless the unauthorized withdrawal was due to the loss or theft of the card, in which case you are liable, up to a maximum liability of $50 50, for those unauthorized withdrawals made before we are notified of the loss or theft. The limitation on liability is effective only if the card issuer is notified of the unauthorized charges contained in a bill within sixty (60) days of receipt of the bill by the person in whose name the card is usedissued. An unauthorized withdrawal is a withdrawal by a person other than you who does not have actual, implied or apparent authority for such withdrawalswithdrawal, and from which withdrawals withdrawal you receive no benefit. You may bring a civil action against any person violating the consumer privacy and unauthorized withdrawal provisions of Minnesota law. In addition to actual damages or $500, 500 (whichever is greater) ), you may recover punitive damages, plus court costs and reasonable attorney’s attorneys' fees incurred. To protect the privacy of customers using electronic financial terminals, including any supporting equipment, structures or systems, information received by or processed through such terminals, supporting equipment, structures or systems shall be treated and used only in accordance with applicable law relating to the dissemination and disclosure of such information. The person establishing and maintaining an electronic financial terminal, including any supporting equipment, structures or systems, shall take steps as are reasonably necessary to restrict disclosure of information to that necessary to complete the transaction and to safeguard any information received or obtained about a customer or his or her account from misuse by any person xxxxxxx an electronic financial terminal, including any supporting equipment, structures structures, or systems. ATM SAFETY TIPS As issuers of Automated Teller Machine (ATM) access devices, we have provided for your information a list of safety precautions regarding the use of automated teller machines. Please read the following safety tips: • * Be aware of your surroundings, particularly at night • night. * Consider having someone accompany you when the automatic automated teller machine is used after dark • dark. * It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction. • * Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in the safety of your car or home. • * Consider using another automated teller machine or coming back later if you notice anything suspicious. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM access device and leave. • * Go to the nearest public area where people are located if you are followed after making a transaction.

Completing Transactions. We refuse to complete a transaction: •  If you do not have enough money in your account; or •  If you would go over your credit limit; or •  If it would lower your balance to less than the required balance; or •  It would require us to change the money that we hold for the account Electronically created items (ECI). Electronically created items including emailed payments are non-conforming images. However, we reserve the right to collect the funds when the item is returned. Other Minnesota Disclosures. Automatic Teller Machine (ATM) transactions are completed immediately with us. You cannot reverse a transfer of money through an ATM. Payment for goods or services by transfer of money through an ATM does not affect any of your rights, protections or liabilities under existing law concerning a cash or credit sale made by means other than through use of an ATM. We are liable for all unauthorized withdrawals at an ATM or Point of Sale (POS) transfers unless the unauthorized withdrawal was due to loss or theft of the card, in which case you are liable, up to a maximum liability of $50 for those unauthorized withdrawals made before we are notified of the loss or theft. The limitation on liability is effective only if the card issuer is notified of the unauthorized charges contained in a bill within sixty (60) days of receipt of the bill by the person in whose name the card is used. An unauthorized withdrawal is a withdrawal by a person other than you who does not have actual, implied or apparent authority for such withdrawals, and from which withdrawals you receive no benefit. You may bring a civil action against any person violating the consumer privacy and unauthorized withdrawal provisions of Minnesota law. In addition to actual damages or $500, (whichever is greater) you may recover punitive damages, plus court costs and reasonable attorney’s fees incurred. To protect the privacy of customers using electronic financial terminals, including any supporting equipment, structures or systems, information received by or processed through such terminals, supporting equipment, structures or systems shall be treated and used only in accordance with applicable law relating to the dissemination and disclosure of such information. The person establishing and maintaining an electronic financial terminal, including any supporting equipment, structures or systems, shall take steps as are reasonably necessary to restrict disclosure of information to that necessary to complete the transaction and to safeguard any information received or obtained about a customer or his or her account from misuse by any person xxxxxxx an electronic financial terminal, including any supporting equipment, structures or systems. ATM SAFETY TIPS As issuers of Automated Teller Machine (ATM) access devices, we have provided for your information a list of safety precautions regarding the use of automated teller machines. Please read the following safety tips: •  Be aware of your surroundings, particularly at night •  Consider having someone accompany you when the automatic teller machine is used after dark •  It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction. •  Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in the safety of your car or home. •  Consider using another automated teller machine or coming back later if you notice anything suspicious. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM access device and leave. •  Go to the nearest public area where people are located if you are followed after making a transaction.

Completing Transactions. We refuse to complete a transaction: • If you do not have enough money in your account; or • If you would go over your you credit limit; or • If it you would lower your balance to less than the required balance; or • It If it would require us to change the money that we hold for the account Electronically created items (ECI). Electronically created items including emailed payments are non-conforming images. However, we reserve the right to collect the funds when the item is returnedaccount. Other Minnesota Disclosures. Automatic Teller Machine (ATM) ATM transactions are completed immediately with us. You cannot reverse a transfer of money through an ATM. Payment for goods or services by transfer of money through an ATM does not affect any of your rights, protections or liabilities under existing law concerning a cash or credit sale made by means other than through use of an ATM. We are liable for all unauthorized withdrawals at an ATM or Point of Sale (POS) transfers a POS unless the unauthorized withdrawal was due to the loss or theft of the card, in which case you are liable, up to a maximum liability of $50 50, for those unauthorized withdrawals made before we are notified of the loss or theft. The limitation on liability is effective only if the card issuer is notified of the unauthorized charges contained in a bill within sixty (60) days of receipt of the bill by the person in whose name the card is usedissued. An unauthorized withdrawal is a withdrawal by a person other than you who does not have actual, implied or apparent authority for such withdrawalswithdrawal, and from which withdrawals withdrawal you receive no benefit. You may bring a civil action against any person violating the consumer privacy and unauthorized withdrawal provisions of Minnesota law. In addition to actual damages or $500, 500 (whichever is greater) ), you may recover punitive damages, plus court costs and reasonable attorney’s attorneys’ fees incurred. To protect the privacy of customers using electronic financial terminals, including any supporting equipment, structures or systems, information received by or processed through such terminals, supporting equipment, structures or systems shall be treated and used only in accordance with applicable law relating to the dissemination and disclosure of such information. The person establishing and maintaining an electronic financial terminal, including any supporting equipment, structures or systems, shall take steps as are reasonably necessary to restrict disclosure of information to that necessary to complete the transaction and to safeguard any information received or obtained about a customer or his or her account from misuse by any person xxxxxxx an electronic financial terminal, including any supporting equipment, structures structures, or systems. ATM SAFETY TIPS • As issuers of Automated Teller Machine (ATM) access devices, we have provided for your you information a list of safety precautions regarding the use of automated teller machines. Please read the following safety tips: • Be aware of your surroundings, particularly at night night. • Consider having someone accompany you when the automatic automated teller machine is used after dark dark. • It is appropriate to politely ask someone who is uncomfortably close to you to step back before you complete your transaction. • Refrain from displaying your cash. Pocket it as soon as your transaction is completed. Count the cash later in the safety of your car or home. • Consider using another automated teller machine or coming back later if you notice anything suspicious. If you are in the middle of a transaction and you notice something suspicious, cancel the transaction, pocket your ATM access device and leave. • Go to the nearest public area where people are located if you are followed after making a transaction. • Report all crimes to law enforcement officials immediately.