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

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance: · If, through no fault of ours, you do not have enough money in the form of collected funds in your Account to make the transfer. · If the transfer would go over the credit limit of your line of credit loan Account. · If the ATM terminal where you are making the transfer does not have enough cash or is not normally equipped to perform the service you requested. · If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is not working properly and you knew or should have known about the breakdown when you started the transfer. · If circumstances beyond our control (such as fire, flood, or power failure) prevent the transfer, despite reasonable precautions that we have taken. · If the Credit Union fails to receive necessary transfer data or the data it receives is erroneous or incomplete. · If the Credit Union has received a report that your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · If your funds are subject to legal process or other encumbrance restricting such transfer. · 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 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. · There may be other exceptions stated in our agreement with you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you set.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account account on time or in the correct amount according to our agreement with you, we may 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 the form of collected funds in your Account account to make the transfer. · If , your account is dormant, your account is closed, or the transfer would go over the credit limit of on your line of credit loan Accountcredit. · 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 terminal where you are making the transfer does not have enough cash cash, or is not normally equipped to perform the service you requested. · If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is was not working properly and you knew or should have known about the breakdown problem when you started the transfertransaction. · • 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 transfer, despite reasonable precautions that we have takentransaction. · • If the Credit Union fails to receive necessary transfer data or the data it receives is erroneous or incomplete. · If the Credit Union has received a report that funds in your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · If your funds account are subject to an administrative hold, legal process or other encumbrance restricting such 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 funds in your Account are pledged the error was caused by a system beyond the Credit Union’s control such as collateral a telecommunications system, an Internet service provider, any computer virus or frozen because of problems related to software not provided by Credit Union. • If the accounts to which you request a delinquent loanxxxx 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 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 you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. For any other error or question The ATM machine may retain your Card in certain instances, in which event you have involving the billing statement of the participating merchant, you must may contact the merchant directly. We are not responsible for investigating such errors. · There may be other exceptions stated in our agreement with you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you setCredit Union about its replacement.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account account on time or in the correct amount according to our agreement with you, we may will be liable for your 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 in the form of collected sufficient available funds in your Account account to make the transfer. · If , your account is inactive or the transfer would go over the credit limit of on your line of credit loan Accountcredit. · • If you used the wrong ATM PIN, Telephone Banking PIN or you used an ATM PIN or Telephone Banking PIN or card in an incorrect manner. • If the card has expired or is damaged and cannot be used. • If the ATM terminal where you are making the transfer transaction does not have enough cash or is not normally equipped to perform the service you requestedcash. · • If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is was not working properly and you knew or should have known about the breakdown problem when you started the transfertransaction. · • If circumstances beyond our control (such as fire, flood, flood or power failure) prevent the transfer, despite reasonable precautions that we have takentransaction. · • If the Credit Union fails to receive necessary transfer data or the data it receives money in your account is erroneous or incomplete. · If the Credit Union has received a report that your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · If your funds are subject to legal process or other encumbrance restricting such transferclaim. · • If funds in your Account are pledged as collateral or 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 of any participating ATM networkbeyond 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 make a transfer or bill payment. • If the electronic accounts to which you request a bill payment transfer is to be made have been closed or the vendor will not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making accept such transferspayments. • If you have bill payment services, we the Credit Union 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 The Credit Union is not responsible for investigating such errors. · There may be other exceptions stated in our agreement with you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you set.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account account on time or in the correct amount according to our agreement with you, we may will be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance: · : a. If, through no fault of ours, you do not have enough money in the form of collected adequate funds in your Account account to make complete a transaction, your account is closed, or the transfer. · If the transfer transaction amount would go over the exceed your credit limit of on your line of credit loan Account. · credit; b. If you used the wrong access code or you have not properly followed any applicable computer, Internet or Credit Union instructions for making transfer and bill payment transactions; c. If your computer fails or malfunctions or if the Credit Union’s PCCU Online Banking system was not properly working and such problem should have been apparent when you attempted such transaction; d. If the ATM terminal where you are making the transfer does not operate properly, does not have enough cash or is not normally equipped to perform the service you requested. · If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is not working properly and you knew or should have known about the breakdown when you started the transfer. · your Card improperly; e. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transfer, despite reasonable precautions that we have taken. · If the Credit Union fails to receive necessary transfer data or the data it receives is erroneous or incomplete. · If the Credit Union has received a report that your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · transaction; f. If your funds are account is frozen because of a delinquent loan or is subject to legal process or other encumbrance restricting claim; g. If the error was caused by a system beyond the Credit Union’s control such transfer. · as your Internet service provider or the telephone equipment or service you use; h. If funds in your Account are pledged as collateral you have not given the Credit Union complete correct and current instructions so the Credit Union can make a transfer or frozen because of a delinquent loan. · bill payment; i. If the error was caused by a system of The ACCELtm Network, or any participating applicable ATM network. · The ATM may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement; j. If the electronic accounts to which you request a bill payment transfer is to be made have been closed or the vendor will not completed accept such payments; or k. If there are other exceptions as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers. established by the Credit Union; l. If you have bill payment services, we the Credit Union 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 The Credit Union is not responsible for investigating such errors. · There may be other exceptions stated in our agreement with you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you set.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account account on time or in the correct amount according to our agreement with you, we the Credit Union may be liable for your losses or damages. However, our sole responsibility is for our own error, and will be limited to the amount of the transaction. In no case will we are liable for any indirect, special or incidental damages. Additionally, there are some exceptions. We will not be liable for instance: · If, through exceptions which include the following: a. Through no fault of ours, you do not have enough money in the form of collected funds in your Account account to make the transfer. · If transfer or the transfer would go over the credit limit of on your overdraft line of credit loan Account. · If source, if applicable. b. You used the ATM terminal wrong access code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and bill payment transactions. c. The Card has expired, is damaged and cannot be used, or because your Card or PIN has been reported as lost or stolen. d. The automated teller machine (ATM) where you are making the transfer does not have enough cash or is not normally equipped to perform the service you requested. · If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is was not working properly and you knew or should have known about the breakdown problem when you started the transfer. · If circumstances transaction. e. Your computer fails or malfunctions or online banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, and equipment or power failure) prevent making the transfer, despite reasonable precautions that we have taken. · If the Credit Union fails to receive necessary transfer data or the data it receives is erroneous or incomplete. · If the Credit Union has received a report that transaction. g. The funds in your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · If your funds account are subject to an administrative hold, legal process or other encumbrance restricting such transfer. · If claim. h. You have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer or bill payment. i. There are other exceptions as established by the Credit Union. j. The ATM or POS terminal may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement. k. Through no fault of ours, a bill payment or funds transfer transaction does not reach a particular payee due to changes in your Account are pledged as collateral the payee address, account number or frozen because of otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a delinquent loan. · If the payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. l. 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 you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by beyond the Credit Union. For 's control such as a telecommunications system, an Internet service provider, any other error computer virus or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are problems related to software not responsible for investigating such errors. · There may be other exceptions stated in our agreement with you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you setCredit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we WECU is responsible only for exercising ordinary care in making payment 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 complete 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 WECU’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 or from your Account on time or in correct the correct amount according to our agreement with you, error. You agree that neither we may be liable for your losses or damages. However, there are some exceptions. We will not be liable for instance: · nor the service providers shall be i. If, through no fault of ours, you do not have enough money in the form of collected funds in your Account account to make the transfer. · If transfer or the transfer would go over the credit limit of on your line of credit loan Accountcredit. ii. · If you used the wrong access code or you used an ATM, access code or card in an incorrect manner. iii. If the ATM terminal where you are making the transfer does not have enough cash or is not normally equipped to perform the service you requestedcash. iv. · If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is POS terminal was not working properly and you knew or should have known about the breakdown problem when you started the transfer. · transaction. v. If circumstances beyond our control (such as telecommunication, fire, flood, flood or power failure) prevent the transfer, despite reasonable precautions that we have takentransaction. vi. · If the Credit Union fails to receive necessary transfer data or the data it receives money in your account is erroneous or incomplete. · If the Credit Union has received a report that your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · If your funds are subject to legal process or other encumbrance restricting such transferclaim. vii. · If funds in your Account are pledged as collateral or account is frozen because of a delinquent loan. viii. · If the error was caused by a system of any participating the designated ATM network. · If the electronic transfer is not completed as a result of your willful networks, Internet service provider or negligent use of your Card, access codexxxx payment processor, or any other participating network. ix. If there are other exceptions as established by WECU. x. The ATM or POS terminal may retain your card in certain instances, in which event you may contact WECU about its replacement. xi. If your computer fails or malfunctions or the EFT facility for making services were not properly working and such transfersproblems should have been apparent when you attempted such transaction. xii. If you have bill payment servicesnot given WECU complete, we can only confirm the amount, the participating merchantcorrect, and date of the bill payment current instructions so WECU can process a 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. · There may be other exceptions stated in our agreement with you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each xxxx payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you set.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If For consumer accounts, if we do not complete a transfer to or from your Account account on time or in the correct amount according to our agreement Agreement with you, we may will be 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 indirect, special or incidental damages. However, there are some exceptions. We For consumer and business accounts, we will not be liable for instance: · : a. If, through no fault of ours, you do not have enough money in the form of collected funds in your Account account to make the transfer. · If , the transfer would go over the credit limit of on your line of credit loan Account. · 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 ATM terminal where wrong PIN or you are have not properly followed any applicable computer or Credit Union user instructions for making transfer and/or xxxx payment transactions. c. If your computer or mobile device fails or malfunctions or the transfer does Mobile Banking,Online Banking, or any of the other Digital Services were not have enough cash or is not normally equipped to perform the service you requested. · If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is not properly working properly and you knew or such problem should have known about the breakdown been apparent when you started the transfer. · attempted such transaction. d. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transfertransaction. e. In the event of any failure or interruption of such services or any part thereof, despite reasonable precautions that we resulting from the act or omission of any third party, or from any other cause not reasonably within the control of the Credit Union. f. If you have taken. · If not given the Credit Union fails to receive necessary transfer data or the data it receives is erroneous or incomplete. · If complete, correct and current instructions so the Credit Union has received can process a report that your ATM card transfer or VISA Debit Card has been lost or stolen or if xxxx payment. g. If there are other exceptions as established by the Credit Union has reason Union. h. If, through no fault of ours, a xxxx payment or funds transfer transaction does not reach a particular payee due to suspect there 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 unauthorized use of your ATM card or VISA Debit Card. · If your funds are subject to legal process or other encumbrance restricting such transfer. · If funds in your Account are pledged as collateral or frozen because of a delinquent loan. · If assessed against you. i. the error was caused by a system of any participating ATM network. · If beyond the electronic transfer is not completed Credit Union’s control such as a result of your willful telecommunications system, an Internet service provider, any computer virus or negligent use of your Card, access code, or any EFT facility for making such transfers. If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made problems related to software not provided by the Credit Union. For any . j. We have reason to believe that a payment or other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are transaction request may not responsible for investigating such errors. · There may be other exceptions stated in our agreement with authorized by you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment third party whose authorization we believe is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you setnecessary.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account account on time or in the correct amount according to our agreement with you, we may be liable for your losses or damages. 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 to complete the form of collected transaction, if any funds in your Account accounts necessary to make complete the transfertransaction are held as uncollected funds pursuant to our Funds Availability Policy, or if the transaction involves a loan request exceeding your credit limit. ·  If you used your card or PIN access code in an incorrect manner.  If the transfer would go over the credit limit of your line of credit loan Accountcard has expired or is damaged and cannot be used. ·  If the ATM terminal where you are making the transfer does not have enough cash or is not normally equipped to perform the service you requestedcash. ·  If the ATM terminal, telephone or computer equipment you use to conduct ATM, audio or Internet banking transactions is was not working properly and you knew or should have known about the breakdown problem when you started the transfertransaction. ·  If circumstances beyond our control (such as fire, flood, or power failure) prevent the transfer, despite reasonable precautions that we have takentransaction. ·  If the Credit Union fails to receive necessary transfer data or the data it receives money in your account is erroneous or incomplete. · If the Credit Union has received a report that your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · If your funds are subject to legal process or other encumbrance restricting such transferclaim. ·  If funds in your Account account are pledged as collateral or frozen because of a delinquent loan. ·  If the error was caused by a system of any participating ATM network. ·  If the electronic transfer is not completed as a result of your willful or negligent use of your Cardcard, PIN access code, or any EFT facility for making such transfers.  If the telephone or computer equipment you use to conduct audio response or online/PC transactions is not working properly and you know or should have known about the breakdown when you started the transaction.  If the accounts to which you request a xxxx payment transfer to be made have been closed or the vendor will not accept such payments.  If you have bill xxxx payment services, we can only confirm the amount, the participating merchant, and date of the bill xxxx payment transfer made by the Credit Unioncredit union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. · There may be  Any other exceptions stated in our agreement with you or as provided established by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Account, you can stop any of these payments. Call or write in time for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may choose to receive this notice only when a payment differs by more than a certain amount or when the amount falls outside certain limits you setcredit union.