Common use of FINANCIAL INSTITUTION’S LIABILITY Clause in Contracts

FINANCIAL INSTITUTION’S LIABILITY. 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 enough money in your account to make the transfer. • The transfer would go over the credit limit on your overdraft line (if applicable). • Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. • The computer or related system was not working properly and you knew about the breakdown when you started the transfer. • Your funds are subject to legal process or other encumbrances restricting the transfer. There may be other exceptions stated in this Agreement and in other agreements with you.

FINANCIAL INSTITUTION’S LIABILITY. 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 enough money in your account to make the transfer. •  The transfer would go over the credit limit on your overdraft line (if applicable). •  Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. •  The computer or related system was not working properly and you knew about the breakdown when you started the transfer. •  Your funds are subject to legal process or other encumbrances restricting the transfer. There may be other exceptions stated in this Agreement and in other agreements with you.

FINANCIAL INSTITUTION’S LIABILITY. 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 enough money in your account to make the transfer. • The  If the transfer would go over the credit limit on your overdraft line (if applicable). • Circumstances  If circumstances beyond our control (e.g., such as fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. • The  If the computer or related system was not working properly and you knew about the breakdown when you started the transfer. •  Your funds are subject to legal process or other encumbrances encumbrance restricting the transfer. There may be other exceptions stated in this Agreement and in other agreements our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. 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 enough money in your account to make the transfer. • The transfer would go over the credit limit on your overdraft line (if applicable). • Circumstances beyond our control (e.g., fire, flood, power outage, equipment e quipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. • The computer or related system was not working properly and you knew about the breakdown when you started the transfer. • Your funds are subject to legal process or other encumbrances restricting the transfer. There may be other exceptions stated in this Agreement and in other agreements with you.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer. ; • The transfer would go over the credit limit on your overdraft line (if applicable). ; • Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. ; • The computer or related system was not working properly and you knew about the breakdown when you started the transfer. ; and • Your funds are subject to legal process or other encumbrances restricting the transfer. There may be other exceptions stated in this Agreement and in other agreements with you.

FINANCIAL INSTITUTION’S LIABILITY. If we do not complete a transfer to or from your account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: • - If, through no fault of ours, you do not have enough money in your account to make the transfer. • - The transfer would go over the credit limit on your overdraft line (if applicable). • - Circumstances beyond our control (e.g., fire, flood, power outage, equipment or technical failure or breakdown) prevent the transfer, despite reasonable precautions that we have taken. • - The computer or related system was not working properly and you knew about the breakdown when you started the transfer. • - Your funds are subject to legal process or other encumbrances encumbrance restricting the transfer. There may be other exceptions stated in this Agreement and in other agreements with you.