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 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 Disclosure, 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, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - 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 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 Disclosure, 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, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill xxxx payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - 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 damagesdamage. HoweverHow- ever, we will not be liable for direct or consequential damages in the following events: - • If, through no fault 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 DisclosurePolicy, 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 code, PIN/Password or any EFT facility for making such transfers. - ; • If the telephone or computer equipment you use to conduct audio response, onlineresponse or elec- tronic/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - ; • Any other exceptions as established by the Credit Union. You agree that you will not use your accounts, card or any of our electronic services for any transaction that is illegal under applicable federal, state or local law. Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from your account in the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate, or the wholesale rate, in effect the day before the transaction processing date, increased by one percentage point. The cur- rency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

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 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 DisclosurePolicy, or if the transaction involves a loan request exceeding your credit limit. - • If you used your card Card or access code in an incorrect manner. - • If the ATM where you are making the transfer withdrawal 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. - transaction from being completed.. • 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 ATM, POS, Merchant or national network. - • If the electronic transfer is not completed as a result of your willful or negligent use of your cardCard, access code, or any EFT facility for making such transfers. - • If the telephone or computer equipment you use to conduct audio response, onlineresponse or online banking or electronic/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 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 Disclosure, 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, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - 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 accord- ing 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 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 DisclosurePolicy, 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 code, PIN/Password or any EFT facility for making such transfers. - ; • If the telephone or computer equipment you use to conduct audio response, online/PC, response or mobile banking electronic/ PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - ; • Any other exceptions as established by the Credit Union. You agree that you will not use your accounts, card or any of our electronic services for any trans- action that is illegal under applicable federal, state or local law. Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from your account in the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate, or the wholesale rate, in effect the day before the transac- tion processing date, increased by one percentage point. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer an EFT 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 of ours, there is not enough money in your accounts account 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 DisclosurePolicy, or if the transaction involves a loan request exceeding your credit limit. - • If you used your card card, PIN, username or access code password 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 codePIN, username, or password or any EFT facility for making such transfers. - • If the telephone or computer equipment you use to conduct audio responseBank-By-Phone, online/PCbrowser banking, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts account necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy DisclosurePolicy, 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, response or online/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 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 Disclosure, 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, response or online/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill xxxx payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 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 Disclosure, 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 another 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, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill xxxx payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - 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 of ours, there is not enough money in your accounts account to complete the transaction, if any funds in your accounts account are necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy DisclosurePolicy, 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 transactionthetransaction. - • 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, response or online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 of ours, there is not enough money in your accounts to complete the transaction, if any funds in your accounts account are necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, 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, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - 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 of ours, there is not enough money in your accounts account to complete the transaction, if any funds in your accounts account are necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy DisclosurePolicy, 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 transactionthetransaction. - • 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, response or online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the statementofthe participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. - • 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 of ours, there is not enough money in your accounts account to complete the transaction, if any funds in your accounts account are necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy DisclosurePolicy, 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, response or online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • Any other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer an EFT 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 of ours, there is not enough money in your accounts account 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 DisclosurePolicy, or if the transaction involves a loan request exceeding your credit limit. - • If you used your card card, PIN, username or access code password 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 codePIN, username, or password or any EFT facility for making such transfers. - • If the telephone or computer equipment you use to conduct audio responseBank-By-Phone, online/PConline banking, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 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 DisclosurePolicy, 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, response or online/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Unioncredit union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. - Any other exceptions as established by the Credit Unioncredit 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 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 DisclosurePolicy, or if the transaction involves a loan request exceeding your credit limit. - ❖ If you used your card 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 cardCard, access code, or any EFT facility for making such transfers. - ❖ If the telephone or computer equipment you use to conduct audio response, onlineresponse or electronic/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - ❖ If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - ❖ 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 there are some exceptions. We will not be liable for your losses or damages, including for direct or consequential damages damages, in the following events: - • If, through no fault of ours, there is not enough money the available balance in your accounts is insufficient 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 Disclosure, 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 responseiTalk, online/PC, or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 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 Disclosure, 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, online/PC, or mobile banking access device transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 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 DisclosurePolicy, or if the transaction involves a loan request exceeding your credit limit. - • If you used your card 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 cardCard, access codePIN, or any EFT facility for making such transfers. - • If the telephone or computer equipment you use to conduct audio response, onlineresponse or electronic/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill xxxx payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 damagesdamage. However, we will not be liable for direct or consequential damages in the following events: - • If, through no fault 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 DisclosurePolicy, 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. - transac- tion; • 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 code, PIN/Password or any EFT facility for making such transfers. - ; • If the telephone or computer equipment you use to conduct audio response, online/PC, response or mobile banking electronic/ PC transactions is not working properly and you know or should have known about the breakdown break- down when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - ; • Any other exceptions as established by the Credit Union. You agree that you will not use your accounts, card or any of our electronic services for any transac- tion that is illegal under applicable federal, state or local law. Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from your account in the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate, or the wholesale rate, in effect the day before the transaction process- ing date, increased by one percentage point. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder state- ment posting date.

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 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 Disclosure, 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, response or online/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - • 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 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 DisclosurePolicy, 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, response or online/PC, or mobile banking PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Unioncredit union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. - • Any other exceptions as established by the Credit Unioncredit 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 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 Disclosure, 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, online/PC, or mobile banking Account access transactions is not working properly and you know or should have known about the breakdown when you started the transaction. - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill 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. We are not responsible for investigating such errors. - Any other exceptions as established by the Credit Union.