Common use of CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS Clause in Contracts

CREDIT UNION 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events: • If, through no fault to ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit. • If you used your card or access code in an incorrect manner. • If the ATM where you are making the transfer does not have enough cash. • If the ATM was not working properly and you knew about the problem when you started the transaction. • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If the money in your account is subject to legal process or other claim. • If funds in your account are pledged as collateral or frozen because of a delinquent loan. • If the error was caused by a system of any participating ATM network. • If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or online/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. Any other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Business account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damagesdamage. However, we will not be liable for direct or consequential damages in the following events: • If, through no fault to of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit. • If you used your card Card or access code PIN in an incorrect manner. • If the ATM where you are making the transfer does not have enough cash. • If the ATM was not working properly and you knew about the problem when you started the transaction. • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If the money in your account is subject to legal process or other claim. • If funds in your account are pledged as collateral or frozen because of a delinquent loan. • If the error was caused by a system of any participating ATM network. • If the electronic transfer is not completed as a result of your willful or negligent use of your cardCard, access codePIN/Password, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or onlineelectron- ic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • Any other exceptions as established by the Credit Union.

CREDIT UNION 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events: • If-If, through no fault to of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability PolicyPolicy Disclosure, or if the transaction involves a loan request exceeding your credit limit. • If -If you used your card or access code in an incorrect manner. • If -If the ATM where you are making the transfer does not have enough cash. • If -If the ATM was not working properly and you knew about the problem when you started the transaction. • If -If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If -If the money in In your account is subject to legal process or other claim. • If -If funds in your account are pledged as collateral or frozen because of a delinquent loan. • If -If the error was caused by a system of any participating ATM network. • If -If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or online/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. Any -Any other exceptions as established by the Credit Union.

CREDIT UNION 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 may be liable for your losses or damages. However, However we will not be liable for direct or consequential damages in the following events: •  If, through no fault to of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as a uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit. • ..  If you used your card or access code in an incorrect manner. •  If the ATM where you are making the transfer does not have enough cash. •  If the ATM was not working properly and you knew about the problem when you started the transaction. •  If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. •  If the money in your account is subject to legal process or other claim. •  If funds in your account are pledged as collateral or frozen because of a delinquent loan. •  If the error was caused by a system of any a participating ATM networknetworks. •  If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers. •  If the telephone or computer equipment you use to conduct audio response or online/PC PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started completed the transaction.  Any other exceptions as established by the Credit Union.

CREDIT UNION 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 may be liable for your losses or damages. However, However we will not be liable for direct or consequential damages in the following events: • If, through no fault to of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as a uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit. .. • If you used your card or access code in an incorrect manner. • If the ATM where you are making the transfer does not have enough cash. • If the ATM was not working properly and you knew about the problem when you started the transaction. • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If the money in your account is subject to legal process or other claim. • If funds in your account are pledged as collateral or frozen because of a delinquent loan. • If the error was caused by a system of any a participating ATM networknetworks. • If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or online/PC PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started completed the transaction. • Any other exceptions as established by the Credit Union.

CREDIT UNION 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events: • - If, through no fault to of ours, there is not enough money in your accounts to complete the transaction, or if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limitPolicy Disclosure. • - If you used your card or access code in an incorrect manner. • - If the ATM where you are making the transfer does not have enough cash. • - If the ATM was not working properly and you knew about the problem when you started the transaction. • - If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • - If the money in your account is subject to legal process or other claim. • - If funds in your account are pledged as collateral or frozen because of a delinquent loan. • - If the error was caused by a system of any participating ATM network. • - If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers. • - If the telephone or computer equipment you use to conduct audio response or response, online/PC PC, or mobile access device transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - Any other exceptions as established by the Credit Union.

CREDIT UNION 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 may be liable for your losses or damages. However, we will not be liable for direct or consequential damages in the following events: • If, through no fault to of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit. • If you used your card or access code in an incorrect manner. • If the ATM where you are making the transfer does not have enough cash. • If the ATM was not working properly and you knew about the problem when you started the transaction. • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If the money in your account is subject to legal process or other claim. • If funds in your account are pledged as collateral or frozen because of a delinquent loan. • If the error was caused by a system of any participating ATM network. • If the electronic transfer is not completed as a result of your willful or negligent use of your card, access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or online/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • Any other exceptions as established by the Credit Unioncredit union.