Common use of Credit Union’s Liability Clause in Contracts

Credit Union’s Liability. 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 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 sufficient available funds in your account or back up accounts to make the transfer, if any funds in your accounts necessary to complete the transfer are held as uncollected funds or pursuant to our Funds Availability Policy, or if any funds in your accounts necessary to complete the transaction are held subject to legal process or other claim. • If you used your card or access code in an incorrect manner, or after your right to use your card or access code has been cancelled. • If the automated teller machine (ATM) where you are making the transfer does not have enough cash. • If the ATM or other terminal or system was not working properly, and you knew about the breakdown when you started the transfer. • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken • If funds in your account necessary to complete the transaction are pledged as collateral, are frozen, or offset because of a delinquent loan. • If the error was caused by a system of any participating ATM network. • If the transfer is not completed as a result of your negligent use of your card, access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you knew or should have known about the breakdown when you started the transaction. • If a law or regulation prevents us from completing the transaction. • If any other exception as established by us and communicated to you applies.

Credit Union’s Liability. 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 will 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 there is not have sufficient available funds enough money in your account or back up accounts Accounts to make the transfer, if any funds in your accounts necessary to complete the transfer are held as uncollected funds or pursuant to our Funds Availability Policy, or if any funds in your accounts Accounts necessary to complete the transaction are held subject to legal process or other claim, or if the transaction involves a loan request exceeding your credit limit. • If you used your card or access code in an incorrect manner, or after your right to use your card or access code has been cancelled. cancelled • If the automated teller machine (ATM) ATM where you are making the transfer does not have enough cash. • If the ATM or other terminal or system was not working properly, properly and you knew about the breakdown problem when you started the transfer. transfer • If circumstances beyond our control (such as fire fire, flood, or floodpower failure) prevent the transfertransaction, despite reasonable precautions that we have taken • If the funds in your account Account necessary to complete the transaction are subject to legal process or other claim • If funds in your Account are pledged as collateral, are frozen, frozen or offset 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 negligent use of your card, access code, or any EFT facility for making such transfers. transfers • If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you knew or should have known about the breakdown when you started the transaction. • If a law or regulation prevents us from completing the transactiontransaction . • If any Any other exception exceptions as established by us and communicated to you appliesthe credit union.

Credit Union’s Liability. 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 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 sufficient available funds in your account or back up accounts to make the transfer, if any funds in your accounts necessary to complete the transfer are held as uncollected funds or pursuant to our Funds Availability Policy, or if any funds in your accounts necessary to complete the transaction are held subject to legal process or other claim. •  If you used your card or access code in an incorrect manner, or after your right to use your card or access code has been cancelled. •  If the automated teller machine (ATM) where you are making the transfer does not have enough cash. •  If the ATM or other terminal or system was not working properly, and you knew about the breakdown when you started the transfer. •  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken •  If funds in your account necessary to complete the transaction are pledged as collateral, are frozen, or offset because of a delinquent loan. •  If the error was caused by a system of any participating ATM network. •  If the transfer is not completed as a result of your negligent use of your card, access code, or any EFT facility for making such transfers. •  If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you knew or should have known about the breakdown when you started the transaction. •  If a law or regulation prevents us from completing the transaction. •  If any other exception as established by us and communicated to you applies. CONFIDENTIALITY  We will disclose information to third parties about your account or the transfers you make: Where it is necessary for completing transfers; or  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or  In order to comply with government agency or court orders; or  If you give us written permission.

Credit Union’s Liability. 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 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 sufficient available funds in your account or back up accounts to make the transfer, if any funds in your accounts necessary to complete the transfer are held as uncollected funds or pursuant to our Funds Availability Policy, or if any funds in your accounts necessary to complete the transaction are held subject to legal process or other claim. •  If you used your card or access code in an incorrect manner, or after your right to use your card or access code has been cancelled. •  If the automated teller machine (ATM) where you are making the transfer does not have enough cash. •  If the ATM or other terminal or system was not working properly, properly and you knew about the breakdown when you started the transfer. •  If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken •  If funds in your account necessary to complete the transaction are pledged as collateral, are frozen, or offset because of a delinquent loan. •  If the error was caused by a system of any participating ATM network. •  If the transfer is not completed as a result of your negligent use of your card, access code, or any EFT facility for making such transfers. •  If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you knew or should have known about the breakdown when you started the transaction. •  If a law or regulation prevents us from completing the transaction. •  If any other exception as established by us and communicated to you applies. CONFIDENTIALITY  We will disclose information to third parties about your account or the transfers you make: Where it is necessary for completing transfers; or  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or  In order to comply with government agency or court orders; or  If you give us written permission.

Credit Union’s Liability. 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 will 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 there is not have sufficient available funds fund in your account or back up accounts Accounts to make the transfer, if any funds in your accounts necessary to complete the transfer are held as uncollected funds or pursuant to our Funds Availability Policy, or if any funds in your accounts Accounts necessary to complete the transaction are held subject to legal process or other claim, or if the transaction involves a loan request exceeding your credit limit. • If you used your card or access code in an incorrect manner, or after your right to use your card or access code has been cancelled. cancelled • If the automated teller machine (ATM) ATM where you are making the transfer does not have enough cash. • If the ATM or other terminal or system was not working properly, properly and you knew about the breakdown problem when you started the transfer. transfer • If circumstances beyond our control (such as fire fire, flood, or floodpower failure) prevent the transfertransaction, despite reasonable precautions that we have taken • If the funds in your account Account necessary to complete the transaction are subject to legal process or other claim • If funds in your Account are pledged as collateral, are frozen, frozen or offset 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 negligent use of your card, access code, or any EFT facility for making such transfers. transfers • If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you knew or should have known about the breakdown when you started the transaction. • If a law or regulation prevents us from completing the transactiontransaction . • If any Any other exception exceptions as established by us and communicated to you appliesthe credit union.

Credit Union’s Liability. 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 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 sufficient available funds enough money in your account or back up accounts to make the transfer, if any funds in your accounts necessary to complete the transfer are held as uncollected funds or pursuant to our Funds Availability Policy, or if any funds in your accounts necessary to complete the transaction are held subject to legal process or other claim. • If you used your card or access code in an incorrect manner, or after your right to use your card or access code has been cancelled. • If the automated teller machine (ATM) where you are making the transfer does not have enough cash. • If the ATM or other terminal or system was not working properly, and you knew about the breakdown when you started the transfer. • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken • If funds in your account necessary to complete the transaction are pledged as collateral, are frozen, or offset because of a delinquent loan. • If the error was caused by a system of any participating ATM network. • If the transfer is not completed as a result of your negligent use of your card, access code, or any EFT facility for making such transfers. • If the telephone or computer equipment you use to conduct audio response or electronic/PC transactions is not working properly and you knew or should have known about the breakdown when you started the transaction. • If a law or regulation prevents us from completing the transaction. • If any other exception as established by us and communicated to you applies.