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 will be liable for your account losses or damages. However, there are some exceptions. We will not be liable for instance: If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is dormant, your account is closed, or the transfer would go over the limit on your line of credit. If you used the wrong security code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer or 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, or was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process or other claim. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • If, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

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 will be liable for your account losses or damages. Our sole responsibility for an error in a transfer will be to correct the error. However, there are some exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have enough money adequate funds in your account to make the transfer, your account is dormantcomplete a transaction, your account is closed, or the transfer transaction amount would go over the exceed your credit limit on your line of credit, if applicable. • If you used the wrong security access code, used an access code or Debit Card in an incorrect manner, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer or if and xxxx payment transactions. • If the Debit Card has expired or is damaged and cannot be used. • If the ATM automated teller machine (ATM) where you are making the transfer does not have enough cash, cash or was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process or other claim. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • If the error was caused by a system of any participating ATM network, or a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there There are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacementfrom time to time.

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 will be liable for your account losses or damages. However, there are some exceptions. We will not be liable for instanceliable: • If, through no fault of ours, you do not have enough money sufficient available funds in your account to make the transfer, your account is dormant, your account is closed, inactive or the transfer would go over the credit limit on your line of credit. • If you used the wrong security code ATM PIN, Telephone Banking PIN or you have not properly followed any applicable computer, used an ATM PIN or Credit Union user instructions for making transfer Telephone Banking PIN or if card in an incorrect manner. • If the Card card has expired or is damaged and cannot be used. • If the ATM where you are making the transfer transaction does not have enough cash, or . • If the ATM was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment flood or power failure) prevent making the transaction. • If the funds money in your account are is subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If there are other exceptions as established by the Credit Union. • The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. • If the error was caused by a system beyond the Credit Union’s control such as your Internet service provider. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process make a transfer. • If, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Unionbill payment. • If the accounts to which you request a xxxx bill payment transfer to be made have been closed or the vendor will not accept such payments. • If you have bill payment services, the error was caused by a system of any Credit Union can only confirm the amount, the participating merchant and date of the designated ATM or POS networks . • If there are other exceptions as established bill payment transfer made by the Credit Union. The ATM machine may retain your Card in certain instancesFor any other error or question you have involving the billing statement of the participating merchant, in which event you may must contact the merchant directly. The Credit Union about its replacementis not responsible for investigating such errors.

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 will may be liable for your account losses or damages. However, there are some exceptions. We will not be liable for instanceyour losses or damages, including for direct or consequential damages, in the following events: • If, through no fault of ours, you do not have enough money the available balance in your account accounts is insufficient to make complete the transfertransaction, if any funds in your account is dormant, your account is closedaccounts necessary to complete the transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, or if the transfer would go over the limit on transaction involves a loan request exceeding your line of creditcredit limit. • If you used the wrong security your card or access code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer or if the Card has expired or is damaged and cannot be usedin an incorrect manner. • If the ATM where you are making the transfer does not have enough cash, or . • If the ATM was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. • If the funds money in your account are is subject to an administrative hold, legal process or other claim. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process funds in your account are pledged as collateral or frozen because of a transfer. • If, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union. • If the accounts to which you request a xxxx payment transfer to be made have been closed or the vendor will not accept such paymentsdelinquent loan. • If the error was caused by a system of any of the designated participating ATM or POS networks network. • If there 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 iTalk, 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. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

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 will be liable for your account losses or damages. HoweverOur sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any property damage or loss, there are some exceptionswhether caused by the equipment, software, Credit Union, or by online browser providers, or by internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. We Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, CMCU Digital Banking services or internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via CMCU Digital Banking services and may have referred to such communication as "secured," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for instancethe following: • If, through no fault of ours, you do not have enough money in your account to make the transfer, transfer or your account is dormant, your account is closed, or the transfer would go over the limit on your line of creditinactive. • If you used the wrong security code password or you have not properly followed any applicable computercomputer or other device, or Credit Union user instructions for making transfer or 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, or was not working properly and you knew about the problem when you started the transactiontransactions. • If your computer or other device fails or malfunctions or the phone lines or Credit Union computer were CMCU Digital Banking system was not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our your control (such as fire, flood, telecommunication outages, postal outages or strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • IfIf you fail to update CMCU with current and accurate phone, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number email address or otherwise; other contact information pertinent to the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. transaction type • If the an error was caused by a system beyond the Credit Union’s 's control such as a telecommunications system, an Internet internet service provider, any computer virus virus/malware or problems related to software not provided by the Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or and in the correct amount according to our agreement with you, we will may be liable for your account losses or damages. However, there are some exceptions. We By way of example, we will not be liable if for instance: If, through  Through no fault of oursthe Credit Union, you do not have enough money in your Checking account or sufficient funds to make the transfer, and the transaction would exceed the credit limit of your overdraft account; and/or  We were unable to contact you to verify that a Bill Payment was authorized by you; and/or  You have reached your monthly transfer limit; and/or  Your account is dormant“frozen” because of a court order or otherwise; and/or  A legal order prohibits withdrawals from your account; and/or  If you have used your Password in an incorrect manner; and/or  Your Password has been reported lost, your account is closedstolen, or the transfer would go over the limit on your line of credit. If you compromised; and/or  You used the wrong security code Password and the transaction could not be completed; and/or  The system is unavailable due to system maintenance; and/or  You used the wrong Password, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and payment transactions; and/or  The error was caused by a system beyond our control, such as your Internet Service Provider, any computer virus, or problems related to software not provided by the Credit Union; and/or  The transfer would violate another agreement between you and the Credit Union; and/or  The transfer would cause your line of credit overdraft loan or other loan to exceed the approved limit or 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, or was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process or other claim. • If you delinquent on any loan payments; and/or  You have not given the Credit Union us, or another party, complete, correct correct, and current instructions regarding name, phone number, or account information so the Credit Union can process a transfer. • If, through no fault of ourspayment, or bill payment; and/or  We make a funds transfer transaction timely bill payment, but the payee does not reach a particular credit your payment promptly after receipt; and/or  The Bill Pay Payee is not already an existing payee due to changes in the Bill Pay System (Only Applies to Mobile Banking); and/or  The payee address, account number mishandles or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process delays a payment correctlysent by the service; and/or  Circumstances beyond the control of the Bill Pay Service (such as, but not limited to, fire, flood, or in a timely mannerinterference from an outside force) prevent the proper execution of the transaction and the Bill Pay Service has taken reasonable precautions to avoid those circumstances; and/or  The payment-processing center is not working properly, and a fee, penalty, you know or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union. • If the accounts to which you request a xxxx payment transfer to be made have been closed or advised by the vendor will not accept such payments. • If Bill Pay Service about the error was caused by a system of any of malfunction before you execute the designated ATM or POS networks . • If there transaction; and/or  There are other reasons or exceptions preventing us from processing your transaction as you instructed; and/or  There are other reasons as established by us from time to time. You agree to have available collected funds on deposit in the Checking account in amounts sufficient to pay for all Bill Payments requested, as well as, any other payment obligations you have to the Credit Union. The ATM machine may retain your Card Credit Union reserves the right, without liability, to reject or reverse a Bill Payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in certain instances, in which event you may contact the Account and the Credit Union about has not exercised its replacementright to reverse or reject a Bill Payment, you agree to pay for such payment obligations on demand. You further agree the Credit Union, at its option, may charge any of your accounts with the Credit Union to cover such payment obligations.

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 will be liable for your account losses or damages. HoweverOur sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any property damage or loss, there are some exceptionswhether caused by the equipment, software, Credit Union, or by online browser providers, or by internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. We Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Credit Union Digital Banking services or internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Credit Union Digital Banking services and may have referred to such communication as "secured," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for instancethe following: • If, through no fault of ours, you do not have enough money in your account to make the transfer, transfer or your account is dormant, your account is closed, or the transfer would go over the limit on your line of creditinactive. • If you used the wrong security code password or you have not properly followed any applicable computercomputer or other device, or Credit Union user instructions for making transfer or 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, or was not working properly and you knew about the problem when you started the transactiontransactions. • If your computer or other device fails or malfunctions or the phone lines or Credit Union computer were Digital Banking system was not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our your control (such as fire, flood, telecommunication outages, postal outages or strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • IfIf you fail to update Credit Union with current and accurate phone, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number email address or otherwise; other contact information pertinent to the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. transaction type • If the an error was caused by a system beyond the Credit Union’s 's control such as a telecommunications system, an Internet internet service provider, any computer virus virus/malware or problems related to software not provided by the Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If You agree that neither we nor the service providers shall be responsible for any loss, property damage, or bodily injury, whether caused by the equipment, software, Credit Union, or by browser provider, or online service provider or by an agent or subcontractor for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Online or Mobile Banking service, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Online Banking services and may have referred to such communication as “secure,” we cannot and do not complete a transfer provide any warranty or guarantee of such security. In states which do not allow the exclusion or limitation of such damages, our liability is limited to or from your account on time or in the correct amount according to our agreement with you, we will be liable for your account losses or damagesextent permitted by applicable law. However, there are some exceptions. We The Credit Union will not be liable for instanceliable: • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is dormant, your account is closed, or the transfer would go over the credit limit on your line of credit. • If you used the wrong security access code or used an access code in an incorrect manner, or you have not properly followed allowed any applicable computer, computer or Credit Union user instructions for making transfer or if Online Banking transactions. • If the Card has expired or is damaged and cannot be used. • If the ATM automated teller machine (ATM) where you are making the transfer does not have enough cash, or was not working properly properly, and you knew about the problem when you started the transaction. • If your computer fails or malfunctions or the phone lines or Credit Union computer were Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process process, or other claim. • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfertransfer or xxxx payment. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet Service Provider, any computer virus, or problems related to software not provided by Credit Union. • If the ATM or POS terminal retains your Card in certain instances, in which event you may contact us about its replacement. • If, through no fault of ours, a xxxx payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number number, or otherwise; the time you allow for payment delivery was inaccurateinsufficient; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacementfrom time to time.

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 will be liable for your account losses or damages. However, there are some exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have enough money sufficient available funds in your account to make the transfer, your account is dormant, your account is closed, inactive or the transfer would go over the credit limit on your line of credit. • If you used the wrong security code ATM PIN, Telephone Banking PIN or you have not properly followed any applicable computer, used an ATM PIN or Credit Union user instructions for making transfer Telephone Banking PIN or if card in an incorrect manner. • If the Card card has expired or is damaged and cannot be used. • If the ATM where you are making the transfer transaction does not have enough cash, or . • If the ATM was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment flood or power failure) prevent making the transaction. • If the funds money in your account are is subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If there are other exceptions as established by the Credit Union. • The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. • If the error was caused by a system beyond the Credit Union’s control such as your internet service provider. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process make a transfer. • If, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Unionxxxx payment. • If the accounts to which you request a xxxx payment transfer to be made have been closed or the vendor will not accept such payments. • If you have xxxx payment services, the error was caused by a system of any Credit Union can only confirm the amount, the participating merchant and date of the designated ATM or POS networks . • If there are other exceptions as established xxxx payment transfer made by the Credit Union. The ATM machine may retain your Card in certain instancesFor any other error or question you have involving the billing statement of the participating merchant, in which event you may must contact the merchant directly. The Credit Union about its replacementis not responsible for investigating such errors.

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 will be liable for your account losses or damages. However, there are some exceptions. We For instance, we will not be liable for instanceliable: • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is dormant, your account is closedinactive, or the transfer would go over the credit limit on your line of credit. ; • If you used the wrong security code Access Code or you have not properly followed any applicable computer, Mobile/ Internet Banking or Credit Union user instructions for making transfer or if the Card has expired or is damaged transfers and cannot be used. If the ATM where you are making the transfer does not have enough cash, or was not working properly and you knew about the problem when you started the transaction. bill payment transactions; • If your electronic device fails or malfunctions or any of the phone lines or Credit Union computer Union’s remote banking services were not properly working and such problem should have been apparent when you attempted such transaction. ; • If circumstances beyond our control (such as firefre, floodfood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. transfer; • If the funds in your account are subject to an administrative hold, legal process or other claim. ; • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process your account is frozen because of a transfer. • If, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwisedelinquent loan; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet your internet service provider, any computer virus or problems related to software not provided by Credit Union. ; • If you have not given the accounts to which you request a xxxx payment Credit Union complete, correct, and current instructions so the Credit Union can make the transfer to be made have been closed or the vendor will not accept such payments. bill payment; • If the error was caused by a system of any of the designated ATM or POS networks . networks; • If there are other exceptions as established by the Credit Union. The ATM machine machines may retain your Card card in certain instances, in which event you may contact the Credit Union about its replacement; or • If there are 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 will be liable for your account losses or damages. HoweverOur sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any property damage or loss, there are some exceptionswhether caused by the equipment, software, Credit Union, or by online browser providers, or by internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. We Nor shall we or the service providers be responsible for any direct, indirect, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Credit Union Digital Banking services or internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Credit Union Digital Banking services and may have referred to such communication as "secured," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for instancethe following: • If, through no fault of ours, you do not have enough money in your account to make the transfer, transfer or your account is dormant, your account is closed, or the transfer would go over the limit on your line of creditinactive. • If you used the wrong security code password or you have not properly followed any applicable computercomputer or other device, or Credit Union user instructions for making transfer or 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, or was not working properly and you knew about the problem when you started the transactiontransactions. • If your computer or other device fails or malfunctions or the phone lines or Credit Union computer were Digital Banking system was not properly working working, and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our your control (such as fire, flood, telecommunication outages, postal outages or strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process process, or other claim. • If your account is frozen because of a delinquent loan. • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfer. • IfIf you fail to update Credit Union with current and accurate phone, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number email address or otherwise; other contact information pertinent to the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. transaction type • If the an error was caused by a system beyond the Credit Union’s 's control such as a telecommunications system, an Internet internet service provider, any computer virus virus/malware, or problems related to software not provided by the Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

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 will be liable for your account losses or damages. Our sole responsibility for an error in a transfer will be to correct the error, and in no case will we be liable for any indirect, special or incidental damages. However, there are some exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is dormant, your account is closed, or the transfer would go over the credit limit on your line of credit. , if applicable, or if the funds in your account are subject to an administrative hold, legal pro- cess or other claim • If you used the wrong security code Password or you have not properly followed fol- lowed any applicable computer, mobile device or Credit Union user instructions in- structions for making transfer or 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, or was not working properly and you knew about the problem when you started the transactionxxxx payment transactions. • If your computer or mobile device fails or malfunctions or the phone lines or Credit Union computer Mobile Banking services were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication tele- communication outages, postal strikes, equipment or power failure) prevent making the transaction. • If In the funds in your account are subject to an administrative holdevent of any failure or interruption of such services or any part thereof, legal process resulting from the act or omission of any third party, or from any other claimcause not reasonably within the control of the Credit Union. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfertransfer or xxxx payment. • If there are other exceptions as established by the Credit Union. • If, through no fault of ours, a xxxx payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service ser- vice provider, any computer virus or problems related to software soft- xxxx not provided by Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

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 will may be liable for your account losses or damagesdamage. However, there are some exceptions. We we will not be liable for instancedirect or consequential damages in the following events: • If, through no fault of ours, you do there is not have enough money in your account accounts to make complete the transfertransaction, if any funds in your account is dormant, your account is closedaccounts necessary to complete the transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if the transfer would go over the limit on transaction involves a loan request exceeding your line of credit. credit limit; • If you used the wrong security code your Card or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer or if the Card has expired or is damaged and cannot be used. PIN in an incorrect manner; • If the ATM where you are making the transfer does not have enough cash, or ; • If the ATM was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. ; • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. ; • If the money in your account is subject to legal process or other claim; • If funds in your account are subject to an administrative hold, legal process pledged as collateral or other claim. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process frozen because of a transfer. • If, through no fault of ours, a funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwisedelinquent loan; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union. • 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 the error was caused by a system of any of the designated participating ATM or POS networks . network; • If there are the electronic transfer is not completed as a result of your willful or negligent use of your Card, PIN/Password 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; • Any other exceptions as established by the Credit Union. The ATM machine may retain ILLEGAL TRANSACTIONS PROHIBITED You agree that you will not use your Card accounts, card or any of our electronic services for any trans- action that is illegal under applicable federal, state or local law. VISA FOREIGN TRANSACTIONS Purchases and cash withdrawals made in certain instancesforeign 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 which event 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. STOP PAYMENT RIGHTS: If you have arranged in advance to make regular EFTs out of your account(s) for money you owe others, you may contact stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to (3) business days before the Credit Union about its replacementscheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of oral notification. If we do not receive the written confirma- tion, the oral stop payment order shall cease to be binding fourteen (14) days after it is made.

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 will beliable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the error, and in no case will we be liable for your account losses any indirect, special, or incidental damages. However, there are some aresome exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is dormant, your account is closed, or the transfer would go over the credit limit on your line of credit, if applicable, or if the funds in your account are subject to an administrative hold, legal process, or other claim. • If you used the wrong security code PIN or you have not properly followed any applicable computer, computer or Credit Union user instructions for making transfer or 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, or was not working properly and you knew about the problem when you started the transactionand/or xxxx payment transactions. • If your computer or mobile device fails or malfunctions or the phone lines Mobile Banking or Credit Union computer Online Banking services were not properly working working, and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If In the funds in your account are subject to an administrative holdevent of any failure or interruption of such services or any part thereof, legal process resulting from the act or omission of any third party, or from any other claimcause not reasonably within the control of the Credit Union. • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfertransfer or xxxx payment. • If there are other exceptions as established by the Credit Union. • If, through no fault of ours, a xxxx payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the The error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus virus, or problems related to software not provided by Credit Union. • 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 the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

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 will be liable for your account losses or damages. However, there are some exceptions. We will not be liable for instance:  If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is dormant, your account is closed, transfer or the transfer would go over the credit limit on your line of credit, if applicable.  If you used the wrong security access code or you have not properly followed any applicable computer, Internet or Credit Union user instructions for making transfer or if transactions.  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, cash or was not working properly and you knew about the problem when you started the transaction. •  If your computer fails or malfunctions or the phone lines TellerPhone or Credit Union computer Online Banking services were not properly working working, and such problem should have been apparent when you attempted such transaction. •  If circumstances beyond our control (such as fire, flood, telecommunication outages, postal outages or strikes, equipment or power failure) prevent making the transaction. •  If the funds in your account are subject to an administrative hold, legal process or other claim. •  If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. •  If, through no fault of oursthe Credit Union, a xxxx payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow allowed for a payment delivery was inaccurateinadequate; or the payee failed to process a the payment correctly, correctly or in a timely manner, manner and a fee, penalty, penalty or interest is assessed against you. •  If the error was caused by a system beyond the Credit Union’s control control, such as a an ATM network, telecommunications system, an or Internet service provider, any computer virus or problems related to software not provided by Credit Union. • 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 the error was caused by a system of any of the designated  The ATM or POS networks . • If there are other exceptions as established by the Credit Union. The ATM machine terminal may retain your Card card in certain instances, in which event you may contact the Credit Union about its replacement.  If there are other exceptions as established by the Credit Union.