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, 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 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.

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, 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 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 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 for 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 is 11 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 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 electronic/PC online 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 an insufficient available balance 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, 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 electroniconline/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, or if the transaction involves a loan request exceeding your credit limit. • If you used your Card or access code PIN(s) 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, 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 or 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, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or electronic/PC Online 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 or 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 damagesdamages proximately caused by our error. 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 PolicyPolicy Disclosure, 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 acts of God (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 subject to our lien 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 any circumstances beyond our control (such as a result of your willful or negligent use of your Cardcard, access code, or any EFT facility for making such transfers) prevent the transaction. • - If the telephone or computer equipment you use to conduct audio response response, online/PC, or electronic/PC 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 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 electroniconline/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 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 electroniconline/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 PolicyPolicy Disclosure, 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 response, online/PC, or electronic/PC 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, 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 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.

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, 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 Cardcard, access codePIN, username, or password or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response Bank-By-Phone, browser banking, or electronic/PC 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, 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 or electroniconline/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 if (1) Through no fault of ours, there is not enough money in your accounts account(s) to complete the transaction, if any ; (2) Any funds in your accounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the Policy Disclosure; (3) The transaction involves a loan request exceeding your credit limit. • If you ; (4) You used your Card access device or access code in an incorrect manner. • ; (5) If the ATM where you are making the transfer does not have enough cash. • If the ; (6) The ATM was not working properly and you knew about the problem when you started the transaction. • If circumstances ; (7) Circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • If the ; (8) The money in your account is subject to legal process or other claim. • If ; (9) The funds in your account are pledged as collateral or frozen because of a delinquent loan. • If the ; (10) The error was caused by a system of any participating ATM network. • If the ; (11) The electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, device or any EFT facility for making such transfers. • If the ; (12) The telephone or computer equipment you use to conduct audio response or electronic/PC electronic transactions is not working properly and you know or should have known about the breakdown when you started the transaction; or (14) Any other exceptions as established by the Credit Union. • If you have bill payment servicesFor Bill Pay, we can only confirm the amount, the participating merchant, 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, 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. 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 or electronic/PC 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 questions 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 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 card or PIN access code in an incorrect manner. •  If the card has expired or is damaged and cannot be used.  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, PIN access code, or any EFT facility for making such transfers. •  If the telephone or computer equipment you use to conduct audio response or electroniconline/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. •  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 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 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, or if the transaction involves a loan request exceeding your credit loan limit. • If you used your Card or access code in an incorrect manner. • If the ATM where you are making the transfer transaction does not have enough cash. cash • If the ATM was not working properly and you knew about the problem when you started the transaction. transaction • If circumstances beyond our control (such as fire, flood, power or power equipment failure) prevent the transaction. • If the money in your account is subject to legal process or other claim. claim • If funds in your account are pledged as collateral or frozen because of a delinquent loan. loan • If the error was caused by a system of any participating ATM network. network • If the electronic transfer transaction 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. transactions • If the telephone or computer equipment you use to conduct audio response or 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 xxxx payment services, we can only confirm the amount, the participating merchant, and date of the bill xxxx 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 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, 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 or electroniconline/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 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, or if the transaction involves a loan request exceeding your credit limit. •  If you used use your Card or access code codes in an incorrect manner. • manner  If the ATM where you are making the transfer does not have enough cash. • cash  If the ATM was not working properly and you knew about the problem when you started the transaction. • transaction  If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. • transaction  If the money in your account is subject to legal process or other claim. • claim  If funds in your account are pledged as collateral or frozen because of a delinquent loan. • loan  If the error was caused by a system of any participating ATM network. • 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. • transfers  If the telephone or computer equipment you use to conduct audio response or 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.

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, 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 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 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, 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 ATM, where you are making the transfer 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, power failure or power failuresystem issues) 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 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. • If we have reason to believe that transactions involving your account may be unauthorized, fraudulent, illegal or otherwise improper.

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 the electronic fund transfer cannot be completed because there’s not enough money in the specific account the funds are coming from, the transfer involves a loan request exceeding your accounts credit limit, or the funds needed to complete the transaction, if any funds in your accounts necessary to complete the transaction transfer are held as uncollected funds pursuant to our Funds Availability PolicySchedule. If funds are being transferred from another financial institution to your account(s) with us, or if the transaction involves a loan request exceeding your credit limitplease note that institution’s funds availability policy can differ from ours. • - If you used your Card card, card number, access code, account number or access code check 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 loanloan or credit card. • - 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, account number, check or any EFT facility for making such transfers. • - If the telephone or computer equipment you use to conduct audio response response, online/PC, or electronic/PC 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, 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 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.

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, 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 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.

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 transactiontrans- action, 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 card or PIN access code in an incorrect manner. If the card has expired or is damaged and cannot be used. • 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 transactiontransac- 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, PIN access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or electroniconline/PC transactions is not working properly and you know or should have known about the breakdown break- down when you started the transaction. • 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 bill xxxx payment services, we can only confirm the amount, the participating merchantmer- chant, 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 account 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 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 or electroniconline/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, 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 networkNetwork. • 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 or electroniconline/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, 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 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 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, 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 codePIN, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or 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 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, or if the transaction involves a loan request exceeding your credit limit. limit • If you used your Card or access code in an incorrect manner. manner • If the ATM where you are making the transfer does not have enough cash. cash • If the ATM was not working properly and you knew about the problem when you started the transaction. transaction • If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. transaction • If the money in your account is subject to legal process or other claim. claim • If funds in your account are pledged as collateral or frozen because of a delinquent loan. loan • If the error was caused by a system of any participating ATM network. network • If you have closed the Account from which you have preauthorized electronic fund transfers to occur • 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. transfers • If the telephone or computer equipment you use to conduct audio response or 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. 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 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 PIN(s) 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, 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 or 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, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or electronic/PC Online 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 or 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, 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 or electroniconline/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, 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 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.

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 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 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 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 your 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, or any EFT facility for making such transfers. •  If the telephone or computer equipment you use to conduct audio response or 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 xxxx pay services, we can only confirm the amount, the participating merchant, and date of the bill payment xxxx pay transfer was 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 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, 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. the outside vendor to whom you sent the check or made the transfer • 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 transfersonline banking platform. • If the telephone or computer equipment you use to conduct audio response or electroniconline/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. Billing Errors In case of errors or questions about online banking from your accounts or if you need more information about a transfer on the statement or eBranch, telephone us at the following number or send us a written notice to the following address as soon as you can. We must hear from you no later than sixty (60) days after we sent the first statement on which the problem appears. Call us at: (000) 000-0000 (000) 000-0000 or write to: PremierOne Credit Union 0000 Xxx Xxx Xxx Xxx Xxxx, XX 00000 Fax: (000) 000-0000 • Tell us your name and account number. • Describe the electronic transfer you are unsure about and explain, as clearly as you can, why you believe the Credit Union has made an error or why you need more information. • Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within ten (10) business days. We will tell you the results of our investigation within ten (10)* business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to forty-five (45)** days to investigate your complaint or question. If we decide to do this, we will credit your account within ten (10)* business days for the amount you think is in error so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your account. We will tell you the results within three (3) business days of completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. * If you give notice of an error within thirty (30) days after you make the first deposit to your account, we will have twenty (20) business days instead of ten (10) business days to investigate the error. ** If you give notice of an error within thirty (30) days after you make the first deposit to your account, notice of an error involving a POS transaction, or notice of an error involving a transaction initiated outside the U.S., its possessions and territories, we will have ninety (90) days instead of forty-five (45) days to investigate the error. Governing Law This agreement is governed by the bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of California, and local clearinghouse rules, as amended from time to time. Any disputes regarding this agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located.

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 PolicyPolicy Disclosure, 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 response, online/PC, or electronic/PC 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 PolicyPolicy Disclosure, 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 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 Cardcard, access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response response, online/PC, or electronic/PC 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 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 PIN(s) 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 or 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, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or electronic/PC Online 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 the date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of or 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-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 PolicyPolicy Disclosure, or if the transaction involves a loan request exceeding your credit limit. • If -If you used your Card 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 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 Cardcard, access code, or any EFT facility for making such transfers. • If -If the telephone or computer equipment you use to conduct audio response response, online/PC, or electronic/PC mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • If -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 -Any other exceptions as established by the Credit Union.