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

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time for 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 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 online banking electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • If you have bill 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 for 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 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 online online/PC or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • If you have bill xxxx payment services, we can only confirm the amount, the participating merchant, and date of the bill xxxx payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. • Any other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time for 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 is 11 necessary to complete the transaction are held as uncollected funds or 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 online banking 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 for 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 is 11 necessary to complete the transaction are held as uncollected funds or 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 online 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 for 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 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 online online/PC or mobile banking transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. • Any other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time for 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 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 online banking electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. • Any other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time for 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 is 11 necessary to complete the transaction are held as uncollected funds or 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 online 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.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time for 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 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 online banking electronic/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction. • - If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. • - Any other exceptions as established by the Credit Union.