Common use of Credit Union Liability for Failure to Make Transactions Clause in Contracts

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you agree that neither we nor the service providers shall be responsible for any loss, property damage or loss, whether caused by the equipment, software, Credit Union, or by online browser or internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking services, Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services and may have referred to such services as “secured”, we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the Credit Union will not be liable for the following: a. If, through no fault of ours, you do not have enough money in your account to complete a transaction, your account is closed, or the transaction amount would exceed the credit limit on your line of credit or Visa Credit Card. b. If you used the wrong PIN, Access Code, or member/account number, or you have not properly followed any applicable computer, Internet, mobile device or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. If your Internet enabled or mobile device fails or malfunctions, or the Online or Mobile Banking service was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you. f. If circumstances beyond our control (such as fire, flood, postal strikes, equipment or power failure) prevent the transaction. g. If the money in your account is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud or dispute. h. If the error was caused by a system beyond the Credit Union’s control such as the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. If you have not given the Credit Union complete, correct, or current information so the Credit Union can process a transaction j. If anyone refuses to honor your Visa Debit Card or ATM Card. k. The ATM machine may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are other exceptions as established by the Credit Union.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual transaction loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Unioncredit union, or by online Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the Credit Union The credit union will not be liable for the following: a. :  If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit.  If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union credit union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers.  If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service credit union’s online access system was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction .  If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card improperly.  If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. .  If the money in your account is frozen because of a delinquent loan or is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud or dispute. h. .  If the error was caused by a system beyond the Credit Unioncredit union’s control such as your Internet Service Provider, any computer virus, or problems related to software not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. credit union.  If you have not given the Credit Union credit union complete, correct, or and current information instructions so the Credit Union credit union can process make a transaction j. transfer.  If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union credit union about its replacement. l. If there are .  We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible for any loss, property damage or loss, whether caused by the equipment, software, Credit Union, or by online browser or internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking services, Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services and may have referred to such services as “secured”, we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the Credit Union will not be liable for the following: a. If, through no fault of ours, you do not have enough money in your account to complete a transaction, your account is closed, or the transaction amount would exceed the credit limit on your line of credit or Visa Credit Card. b. If you used the wrong PIN, Access Code, or member/account number, or you have not properly followed any applicable computer, Internet, mobile device or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. If your Internet enabled computer or mobile device fails or malfunctions, or the Online or Mobile Banking service was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction does not reach a particular creditor and a fee, penalty, or interest is assessed against you. f. If circumstances beyond our control (such as fire, flood, postal strikes, equipment or power failure) prevent the transaction. g. If the money in your account is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud or dispute. h. If the error was caused by a system beyond the Credit Union’s control such as the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. If you have not given the Credit Union complete, correct, or current information so the Credit Union can process a transaction. j. If anyone refuses to honor your Visa Debit Card or ATM Card. k. The ATM machine may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are other exceptions as established by the Credit Union.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual transaction loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Unioncredit union, or by online Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the Credit Union The credit union will not be liable for the following: a. : ▪ If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. ▪ If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union credit union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. ▪ If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service credit union’s online access system was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction . ▪ If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card improperly. ▪ If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . ▪ If the money in your account is frozen because of a delinquent loan or is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud or dispute. h. . ▪ If the error was caused by a system beyond the Credit Unioncredit union’s control such as your Internet Service Provider, any computer virus, or problems related to software not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. credit union. ▪ If you have not given the Credit Union credit union complete, correct, or and current information instructions so the Credit Union credit union can process make a transaction j. transfer. ▪ If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union credit union about its replacement. l. If there are . ▪ We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual transaction loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible re- sponsible for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Unioncredit union, or by online Internet browser providers such as Netscape (Netscape Navigator brows- er) and Microsoft (Microsoft Internet Explorer browser), or internet by In- xxxxxx access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special spe- cial, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access software. In this regard, although we have taken measures meas- ures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communica- tion as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion exclu- sion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the Credit Union The credit union will not be liable for the following: a. : • If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. • If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly prop- erly followed any applicable computer, Internet, mobile device or Credit Union credit union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. • If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service credit union’s on- line access system was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction transac- tion. • If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card im- properly. • If circumstances beyond our control (such as fire, flood, tele- communication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . • If the money in your account is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, loan or suspected fraud is sub- ject to legal process or dispute. h. other claim. • If the error was caused by a system beyond the Credit Unioncredit union’s control such as your Internet Service Provider, any computer vi- rus, or problems related to software not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. credit union. • If you have not given the Credit Union credit union complete, correct, or and current information instructions so the Credit Union credit union can process make a transaction j. transfer. • If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment sys- tem network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union credit union about its replacement. l. If there are . • We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual transaction loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible re- sponsible for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Union, or by online Internet browser providers such as Netscape (Netscape Navigator brows- er) and Microsoft (Microsoft Internet Explorer browser), or internet by In- xxxxxx access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special spe- cial, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the The Credit Union will not be liable for the following: a. : • If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. • If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. • If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service Credit Union’s online access system was not properly working and such problem was or prob- lem should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction . • If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card im- properly. • If circumstances beyond our control (such as fire, flood, tele- communication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . • If the money in your account is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, loan or suspected fraud is sub- ject to legal process or dispute. h. other claim. • If the error was caused by a system beyond the Credit Union’s control such as your Internet Service Provider, any computer virus, or problems related to software not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. Cred- it Union. • If you have not given the Credit Union complete, correct, or and current information instructions so the Credit Union can process make a transaction j. transfer. • If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment sys- tem network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are . We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual trans- action loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct cor- rect the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible responsi- ble for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Union, or by online Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services service and may have referred re- ferred to such services communication as “secured”, ,” we cannot and do not provide any warranty war- ranty or guarantee of such security. In states that do not allow the exclusion or limitation limita- tion of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the The Credit Union will not be liable for the following: a. : • If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. • If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. • If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Credit Union’s Online or Mobile Banking service sys- tem was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction . • If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card improperly. • If circumstances beyond our control (such as fire, flood, telecommunication out- ages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . • If the money in your account is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, loan or suspected fraud is subject to legal pro- cess or dispute. h. other claim. • If the error was caused by a system beyond the Credit Union’s control such as your Internet Service Provider, any computer virus, or problems related to soft- ware not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. Credit Union. • If you have not given the Credit Union complete, correct, or and current information instructions so the Credit Union can process make a transaction j. transfer. • If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are . We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual trans- action loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible re- sponsible for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Unioncredit union, or by online Internet browser providers such as Nets- cape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers provid- ers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance mainten- ance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security secu- rity for communications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable applica- ble law. Additionally, the Credit Union The credit union will not be liable for the following: a. : • If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. • If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union credit union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. • If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service credit union’s online access system was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction . • If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card improperly. • If circumstances beyond our control (such as fire, flood, telecommunication out- ages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . • If the money in your account is frozen because of a delinquent loan or is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud or dispute. h. . • If the error was caused by a system beyond the Credit Unioncredit union’s control such as your Internet Service Provider, any computer virus, or problems related to soft- ware not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. credit union. • If you have not given the Credit Union credit union complete, correct, or and current information instructions so the Credit Union credit union can process make a transaction j. transfer. • If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union credit union about its replacement. l. If there are . • We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual transaction loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Union, or by online Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the The Credit Union will not be liable for the following: a. : • If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. • If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. • If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service Credit Union’s online access system was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction . • If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card improperly. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . • If the money in your account is frozen because of a delinquent loan or is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, or suspected fraud or dispute. h. . • If the error was caused by a system beyond the Credit Union’s control such as your Internet Service Provider, any computer virus, or problems related to software not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. Credit Union. • If you have not given the Credit Union complete, correct, or and current information instructions so the Credit Union can process make a transaction j. transfer. • If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are . We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual trans- action loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct cor- rect the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible responsi- ble for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Union, or by online Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access softwaresoft- xxxx. In this regard, although we have taken measures to provide security for communications com- munications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the The Credit Union will not be liable for the following: a. : • If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. • If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. • If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service Credit Union’s online access system was not properly working and such problem was or should have been apparent when you attempted attempt- ed such transaction. e. If, through no fault of ours, a bill payment or EFT transaction . • If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card improperly. • If circumstances beyond our control (such as fire, flood, telecommunication out- ages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . • If the money in your account is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, loan or suspected fraud is subject to legal pro- cess or dispute. h. other claim. • If the error was caused by a system beyond the Credit Union’s control such as your Internet Service Provider, any computer virus, or problems related to software not pro- vided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. Credit Union. • If you have not given the Credit Union complete, correct, or and current information instructions so the Credit Union can process make a transaction j. transfer. • If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are . • We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual trans- action loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct cor- rect the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible responsi- ble for any loss, property damage damage, or lossbodily injury, whether caused by the equipment, software, Credit Union, or by online Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, or Internet browser or access softwaresoft- xxxx. In this regard, although we have taken measures to provide security for communications com- munications from you to us via the Credit Union Online and Mobile Banking services online access service and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the The Credit Union will not be liable for the following: a. : • If, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. credit. • If you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly and you knew about the problem when you started the transaction. d. transfers. • If your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service Credit Union’s online access system was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction . • If the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. you use your Card improperly. • If circumstances beyond our control (such as fire, flood, telecommunication out- ages, postal strikes, equipment equipment, or power failure) prevent making the transaction. g. . • If the money in your account is subject to legal process or other claim, or if your account is frozen because of a delinquent loan, overdrawn account, loan or suspected fraud is subject to legal pro- cess or dispute. h. other claim. • If the error was caused by a system beyond the Credit Union’s control such as your Internet Service Provider, any computer virus, or problems related to software not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. Credit Union. • If you have not given the Credit Union complete, correct, or and current information instructions so the Credit Union can process make a transaction j. transfer. • If anyone refuses to honor your Visa Debit Card the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are . • We may establish other exceptions as established by the Credit Unionin addition to those listed above.

Credit Union Liability for Failure to Make Transactions. If we do not complete a transfer to or from your consumer account on time or in the correct amount according to our agreement with you, we will be liable for your losses actual transaction loss or damagesdamage. (A consumer account is defined as an account belonging to a natural person and used primarily for personal, family, or household purposes.) Our sole responsibility for an error in a transfer will be to correct the error. For Online and Mobile Banking services, you You agree that neither we nor the service providers shall be responsible for any loss, property damage or lossbodily injury, whether caused by the equipment, software, Credit Union, or by online Internet browser providers such as Microsoft (Microsoft Internet Explorer browser), or internet by Internet access providers, mobile phone providers or by online service providers or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, the Credit Union Online or Mobile Banking online access services, Xxxx Payment services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Credit Union Online and Mobile Banking services online access and may have referred to such services communication as “secured”, ,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. Additionally, the The Credit Union will not be liable for the following: a. If: • if, through no fault of ours, you do not have enough money adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed the your credit limit on your line of credit or Visa Credit Card. b. If • f you used the wrong PIN, Access Code, or member/account number, identification code or you have not properly followed any applicable computer, Internet, mobile device Internet or Credit Union instructions for performing the transaction. c. If the terminal where you are making the transaction does not have enough cash or was not working properly transfer and you knew about the problem when you started the transaction. d. If xxxx payment transactions • if your Internet enabled or mobile device computer fails or malfunctions, malfunctions or if the Online or Mobile Banking service Credit Union’s online access system was not properly working and such problem was or should have been apparent when you attempted such transaction. e. If, through no fault of ours, a bill payment or EFT transaction • if the ATM where you are making the transfer does not reach a particular creditor and a feeoperate properly, penalty, does not have enough cash or interest is assessed against you. f. If you use your Card improperly • if circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. If the money in your account is subject to legal process or other claim, or transaction • if your account is frozen because of a delinquent loan, overdrawn account, loan or suspected fraud is subject to legal process or dispute. h. If other claim • if the error was caused by a system beyond the Credit Union’s control such as your Internet Service Provider, any computer virus or problems related to software not provided by the ATM network, telecommunications system, mobile phone service provider or Internet service provider. i. If Credit Union • if you have not given the Credit Union complete, correct, or correct and current information instructions so the Credit Union can process make a transaction j. If anyone refuses to honor your Visa Debit Card transfer • if the error was caused by any applicable ATM or ATM Card. k. payment system network. The ATM machine may retain your card Card in certain instances, in which event you may contact the Credit Union about its replacement. l. If there are other exceptions as established replacement • if the accounts to which you request a xxxx payment transfer to be made have been closed or the vendor will not accept such payments. • if you have xxxx payment services, the Credit Union can only confirm the amount, the participating merchant, and date of the xxxx payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. The Credit Union is not responsible for investigating such errors We may establish other exceptions in addition to those listed above.