Common use of LIABILITY FOR FAILURE TO COMPLETE TRANSACTION Clause in Contracts

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  If circumstances beyond our control (such as fie or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  If we have terminated our Agreement with you.  When your ATM card or debit card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  If we receive inaccurate or incomplete information needed to complete a transaction.  In the case of preauthorized transfer, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  If the funds in the account are subject to legal action preventing a transfer to or from your account.  If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card or debit card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK upon request.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  • If circumstances beyond our control (such as fie or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  • If we have terminated our Agreement with you.  • When your ATM card or debit card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  • If we receive inaccurate or incomplete information needed to complete a transaction.  • In the case of preauthorized transfer, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  • If the funds in the account are subject to legal action preventing a transfer to or from your account.  • If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card or debit card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK upon request.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  • If circumstances beyond our control (such as fie fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  • If we have terminated our Agreement with you.  • When your ATM card Card or debit card Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  • If we receive inaccurate or incomplete information needed to complete a transaction.  • In the case of preauthorized transfertransfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  • If the funds in the account are subject to legal action preventing a transfer to or from your account.  • If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. TRANSFERS PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized preauthorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card Card or debit card Debit Card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK upon request.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  - If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  - If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  - If circumstances beyond our control (such as fie fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  - If we have terminated our Agreement with you.  - When your ATM card Card or debit card HVB Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  - If we receive inaccurate or incomplete information needed to complete a transaction.  - In the case of preauthorized transfertransfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  - If the funds in the account are subject to legal action preventing a transfer to or from your account.  - If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. TRANSFERS PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized preauthorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card or debit card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK Huntingdon Valley Bank upon request.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  • If the transfer would result in your exceeding the credit limit on your line of credit, credit if you have one.  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  • If circumstances beyond our control (such as fie fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  • If we have terminated our Agreement with you.  • When your ATM card Card or debit card Debit Card has been reported lost or stolen or we have reason to believe that something is wrong iswrong with a transaction.  • If we receive inaccurate or incomplete information needed to complete a transaction.  • In the case of preauthorized transfertransfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  • If the funds in the account are subject to legal action preventing a transfer to or from your account.  • If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERSTRANSFERS Automatic Overdraft Protection Transfer between Deposit Accounts – per transfer Overdraft $10.00 Transfer from Line of Credit – per transfer $11.00 External Transfer- per transfer $2.55 Automatic Loan Transfer Payments FREE CARD FEES: The following fees and charges may be imposed on your attached account. PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized transfer, ATM transaction, telephone transaction or Card Replacement $5.00 Debit Card Replacement $5.00 My Debit Card Design FREE My Debit Card Design Replacement $5.00 DISCLOSURE OF ACCOUNT INFORMATION You agree that merchant authorization messages transmitted in connection with Point of Sale purchase transactions are permissible disclosures of account information, and you make. Please see further agree to release Equity Bank and hold it harmless from any liability arising out of the applicable schedule transmission of fees to determine the applicable amount. PERIODIC CHARGEthese messages. We may charge you a fixed monthly will disclose information to third parties about your account or annual charge for the additional services available electronic fund transfers made to you through your ATM card or debit card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK upon request.account:

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  • If circumstances beyond our control (such as fie fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  • If we have terminated our Agreement with you.  • When your ATM card or debit card Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  • If we receive inaccurate or incomplete information needed to complete a transaction.  • In the case of preauthorized transfertransfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  • If the funds in the account are subject to legal action preventing a transfer to or from your account.  • If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card or debit card Debit Card or otherwise. See the applicable schedule of fees Fee Schedule to determine the amount of the charges. SCHEDULE OF FEESFEE SCHEDULE. The schedule of fees Fee Schedule referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK BANKIOWA upon request. • Commercial Account Bill Pay transactions will be displayed as one fee for the month as 'AC-Internet Charges-I-Net-Fees' on your periodic statement. Commercial Accounts will be charged $0.50 per each online bill payment transaction. State and Local Options Sales Tax are included in the fee stated. • You will be charged $15.00 per card for the issuance of a replacement debit card. State and Local Options Sales tax are included in the fee stated. Empty ATM deposit envelope fee $25.00. • ACH Transfer Fee: $1 (Every time) for an ACH transaction originated by Banklowa to CREDIT another Financial Institution. • Online Banking Electronic Expedited Bill Pay is $8.00 each time of use.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  • If circumstances beyond our control (such as fie fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  • If we have terminated our Agreement with you.  • When your ATM card or debit card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  • If we receive inaccurate or incomplete information needed to complete a transaction.  • In the case of preauthorized transfertransfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  • If the funds in the account are subject to legal action preventing a transfer to or from your account.  • If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. TRANSFERS PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized preauthorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card or debit card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK Mansfield Bank upon request.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  · If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  · If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  · If circumstances beyond our control (such as fie fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  · If we have terminated our Agreement with you.  · When your ATM card Card or debit card Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  · If we receive inaccurate or incomplete information needed to complete a transaction.  · In the case of preauthorized transfertransfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  · If the funds in the account are subject to legal action preventing a transfer to or from your account.  · If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. TRANSFERS PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized preauthorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card Card or debit card Debit Card or otherwise. See the applicable schedule of fees to determine the amount of the charges. SCHEDULE OF FEES. The schedule of fees referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK upon request.

LIABILITY FOR FAILURE TO COMPLETE TRANSACTION. 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 as provided by law. 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.  • If the transfer would result in your exceeding the credit limit on your line of credit, if you have one.  • If the electronic terminal was not working properly and you knew about the breakdown before you started the transfer.  • If circumstances beyond our control (such as fie fire or flood, computer or machine breakdown, or failure or interruption of communications facilities) prevent the transfer, despite reasonable precautions we have taken.  • If we have terminated our Agreement with you.  • When your ATM card or debit card Debit Card has been reported lost or stolen or we have reason to believe that something is wrong with a transaction.  • If we receive inaccurate or incomplete information needed to complete a transaction.  • In the case of preauthorized transfertransfers, we will not be liable where there is a breakdown of the system which would normally handle the transfer.  • If the funds in the account are subject to legal action preventing a transfer to or from your account.  • If the electronic terminal does not have enough cash to complete the transaction. There may be other exceptions provided by applicable law. CHARGES FOR TRANSFERS OR THE RIGHT TO MAKE TRANSFERS. PER TRANSACTION CHARGE. We may assess a fee for each pre-authorized transfer, ATM transaction, telephone transaction or Point of Sale purchase you make. Please see the applicable schedule of fees to determine the applicable amount. PERIODIC CHARGE. We may charge you a fixed monthly or annual charge for the additional services available to you through your ATM card or debit card Debit Card or otherwise. See the applicable schedule of fees Fee Schedule to determine the amount of the charges. SCHEDULE OF FEESFEE SCHEDULE. The schedule of fees Fee Schedule referred to above is being provided separately and is incorporated into this document by reference. Additional copies of the schedule may be obtained from THE FARMERS AND MECHANICS BANK BANKIOWA upon request. • Commercial Account Bill Pay transactions will be displayed as one fee for the month as 'AC-Internet Charges-I-Net-Fees' on your periodic statement. Commercial Accounts will be charged $0.50 per each online bill payment transaction. State and Local Options Sales Tax are included in the fee stated. • You will be charged $15.00 per card for the issuance of a replacement debit card. State and Local Options Sales tax are included in the fee stated. Empty ATM deposit envelope fee $25.00. • ACH Transfer Fee: $1 (Every time) for an ACH transaction originated by Xxxxxxxx to CREDIT another Financial Institution. • Online Banking Electronic Expedited Bill Pay is $8.00 each time of use.