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

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. 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 Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers 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 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 the Internet 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 which 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: a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is closed, or the transfer would go over the credit limit on your line of credit. b. If you used the wrong access code or used an access code in an incorrect manner, or you have not properly allowed any applicable computer or Credit Union user instructions for making Online Banking transactions. c. If the Card has expired or is damaged and cannot be used. d. If the automated teller machine (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. e. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. f. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent making the transaction. g. If the funds in your account are subject to an administrative hold, legal process, or other claim. h. If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer or bill payment. i. If the error was caused by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. If, through no fault of ours, a bill 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 insufficient; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. 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. m. If there are other exceptions as established by the Credit Union from time to time.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. 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 Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers 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 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 the Internet 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 which 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: a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is closed, or the transfer would go over the credit limit on your line of credit. b. If you used the wrong access code or used an access code in an incorrect manner, or you have not properly allowed any applicable computer or Credit Union user instructions for making Online Banking transactions. c. If the Card has expired or is damaged and cannot be usedbeused. d. If the automated teller machine (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. e. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. f. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent making the transaction. g. If the funds in your account are subject to an administrative hold, legal process, or other claim. h. If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer or bill payment. i. If the error was caused by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. If, through no fault of ours, a bill 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 insufficient; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. 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. m. If there are other exceptions as established by the Credit Union from time to time.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. 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 Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers 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 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 the Internet 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 which do not allow a llow 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: a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is closed, or the transfer would go over the credit limit on your line of credit. b. If you used the wrong access code or used an access code in an incorrect manner, or you have not properly allowed any applicable computer or Credit Union user instructions for making Online Banking transactions. c. If the Card has expired or is damaged and cannot be used. d. If the automated teller machine (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. e. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. f. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent making the transaction. g. If the funds in your account are subject to an administrative hold, legal process, or other claim. h. If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer or bill payment. i. If the error was caused by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. If, through no fault of ours, a bill 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 insufficient; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. 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. m. If there are other exceptions as established by the Credit Union from 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 transaction losses or damages. Our 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 loss, property damage, damage or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor for of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Online Banking services, Online Bill Pay 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 the Internet Online Banking and Online Bill Pay 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 which 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 liableliable for the following: a. If, through no fault of ours, you do not have enough money adequate funds in your account to make the transfercomplete 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. b. If you used the wrong access code or used an access code in an incorrect manner, or you have not properly allowed followed any applicable computer computer, or Credit Union user instructions for making Online Banking transfer and Bill Payment transactions. c. If the Card has expired or is damaged and cannot be used. d. If the automated teller machine (ATM) where you are making the transfer does not have enough cash, cash or was not working properly, properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the Online Banking service services was not properly working and such problem should have been apparent when you attempted such transaction. f. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, equipment or power failure) prevent making the transaction. g. . If the funds in your account are subject to an administrative hold, legal process, process or other claim. h. g. If you have not given the Credit Union complete, correct, correct and current instructions so the Credit Union can process a transfer or bill paymenttransfer. i. If the error was caused by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. h. If, through no fault of ours, a bill payment Bill 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 insufficientinaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. i. If the error was caused by a system beyond the Credit Union’s =s control such as a telecommunications system, an Internet Service Providerservice provider, any computer virus, virus or problems related to software not provided by Credit Union. m. j. If there are other exceptions as established by the Credit Union from time to timeUnion.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. 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 Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser)provider, or by Internet access providers or by online service providers 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 servicesservice, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Internet Online Banking services and may have referred to such communication as “securedsecure,” we cannot and do not 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 the extent permitted by applicable law. The Credit Union will not be liable: a. : • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is closed, or the transfer would go over the credit limit on your line of credit. b. . • If you used the wrong access code or used an access code in an incorrect manner, or you have not properly allowed any applicable computer or Credit Union user instructions for making Online Banking transactions. c. . • If the Card has expired or is damaged and cannot be used. d. . • If the automated teller machine (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. e. . • If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. f. . • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent making the transaction. g. . • If the funds in your account are subject to an administrative hold, legal process, or other claim. h. . • If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer or bill xxxx payment. i. . • If the error was caused by a system beyond the Credit Union’s control, control such as your a telecommunications system, an Internet Service Provider. j. The , any computer virus, or problems related to software not provided by Credit Union. • If the ATM or POS termination may retain terminal retains your Card in certain instances, in which event you may contact us about its replacement. k. . • If, through no fault of ours, a bill 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 insufficient; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. 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. m. . • If there are other exceptions as established by the Credit Union from time to time.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. You agree that neither For consumer accounts, if we nor do not complete a transfer to or from your account on time or in the service providers shall correct amount according to our Agreement with you, we will be responsible liable for your direct 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 loss, property damage, or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, specialspecial or incidental damages. However, or consequential economic or other damages arising in any way out of the installationthere are some exceptions. For consumer and business accounts, download, use, or maintenance of the equipment, software, Online 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 the Internet 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 which 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 liableliable for instance: a. If, through no fault of ours, you do not have enough money in your account to make the transfer, 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, or your account is closed. b. If you used the wrong access code or used an access code in an incorrect manner, PIN or you have not properly allowed followed any applicable computer or Credit Union user instructions for making Online Banking transfer and/or bill payment transactions. c. If the Card has expired or is damaged and cannot be used. d. If the automated teller machine (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. e. If your computer or mobile device fails or malfunctions or the Mobile Banking, Online Banking service was Banking, or any of the other Digital Services were not properly working and such problem should have been apparent when you attempted such transaction. f. d. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, equipment or power failure) prevent making the transaction. g. If e. 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 processresulting from the act or omission of any third party, or from any other claimcause not reasonably within the control of the Credit Union. h. f. If you have not given the Credit Union complete, correct, correct and current instructions so the Credit Union can process a transfer or bill payment. i. g. If the error was caused there are other exceptions as established by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. h. If, through no fault of ours, a bill 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 insufficientinaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against youagainstyou. l. If the i. The error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet Service Providerservice provider, any computer virus, virus or problems related to software not provided by the Credit Union. m. If there are j. We have reason to believe that a payment or other exceptions as established transaction request may not be authorized by the Credit Union from time to timeyou or any third party whose authorization we believe is necessary.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. 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 Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers 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 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 the Internet 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 which do not allow a llow 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: a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is closed, or the transfer would go over the credit limit on your line of credit. b. If you used the wrong access code or used an access code in an incorrect manner, or you have not properly allowed any applicable computer or Credit Union user instructions for making Online Banking transactions. c. If the Card has expired or is damaged and cannot be usedbeused. d. If the automated teller machine (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. e. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. f. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent making the transaction. g. If the funds in your account are subject to an administrative hold, legal process, or other claim. h. If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer or bill payment. i. If the error was caused by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. If, through no fault of ours, a bill 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 insufficient; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. 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. m. If there are other exceptions as established by the Credit Union from 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 transaction losses or damages. Our 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 loss, property damage, damage or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online Online service providers or by an agent or subcontractor for of any of the foregoing. Nor shall we We or the service providers shall not be responsible for any direct, indirect, special, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Online Banking services, Online Bill Pay 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 the Internet Online Banking and Online Bill Pay 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 which 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 CCCU will not be liableliable for the following: a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is closedinactive, or the transfer would go over the credit limit on your line of credit, if applicable. b. If you used the wrong access code or used an access code in an incorrect manner, password or you have not properly allowed followed any applicable computer or Credit Union user instructions for making Online Banking transfer and bill payment transactions. c. If the Card has expired or is damaged and cannot be used. d. If the automated teller machine (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. e. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. f. d. If circumstances beyond our your control (such as fire, flood, telecommunication outages, postal outages or strikes, equipment, or equipment or power failure) prevent making the transaction. g. e. If the funds in your account are subject to an administrative hold, legal process, process or other claim. h. f. If you have not given the Credit Union complete, correct, correct and current instructions so the Credit Union can process a transfer or bill paymenttransfer. i. If the error was caused by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. g. If, through no fault of ours, a bill 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 insufficientinaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. h. If the error was caused by a system beyond CCCU’s control such as a telecommunications system or Internet service provider, any computer virus, or problems related to software not provided by the Credit Union. i. If the Card has expired or is damaged and cannot be used. j. If the automated teller machine (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. k. If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet Service Providerservice provider, any computer virus, virus or problems related to software not provided by Credit Union. m. l. If there are other exceptions as established by the Credit Union from time to timeUnion.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. The Credit Union is responsible only for exercising ordinary care in making payments upon your authorization and for mailing or sending a payment to the designated payee. We are not liable in any way for damage you incur if you do not have sufficient funds in your account to make the payment on the processing date, if the estimate of time to allow for delivery to the payee is inaccurate, or due to delays in mail delivery, changes of merchant address or account number, the failure of any merchant to account correctly for or credit the payment in a timely manner, or for any other circumstances beyond the Credit Union’s control. In no case will we automatically resubmit a payment for you after funds have become available. Our 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 loss, property damage, damage or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers such as Netscape (Netscape Navigator browser) and Microsoft (Microsoft Internet Explorer browser), or by Internet access providers or by online service providers or by an agent or subcontractor for of any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special, special or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Online Online, Mobile, and Telephone Banking or Bill Pay 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 the Internet Online, Mobile, and Telephone Banking and Bill Pay 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 which 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 liableliable for the following: a. If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is closed, transfer or the transfer would go over the credit limit on your line of credit. b. If you used the wrong access code username and password, or you used an access code a username and password or card in an incorrect manner, or you have not properly allowed any applicable computer or Credit Union user instructions for making Online Banking transactions. c. If circumstances beyond our control (such as telecommunication, fire, flood or power failure) prevent the Card has expired or is damaged and cannot be usedtransaction. d. If the automated teller machine (ATM) where you are making the transfer does not have enough cash, money in your account is subject to legal process or was not working properly, and you knew about the problem when you started the transactionother claim. e. If your account is frozen because of a delinquent loan. f. If the error was caused by a system or network, Internet service provider or bill payment processor, or any other participating network. g. If there are other exceptions as established by the Credit Union. h. If your computer fails or malfunctions or the Online Banking service was EFT services were not properly working and such problem problems should have been apparent when you attempted such transaction. f. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent making the transaction. g. If the funds in your account are subject to an administrative hold, legal process, or other claim. h. i. If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer or bill payment. i. If the error was caused by a system beyond the Credit Union’s control, such as your Internet Service Provider. j. The ATM or POS termination may retain your Card in certain instances, in which event you may contact us about its replacement. k. If, through no fault of ours, a bill 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 insufficient; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. 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. m. If there are other exceptions as established by the Credit Union from time to time.