Common use of Our Liability for Failure to Complete Transfers Clause in Contracts

Our Liability for Failure to Complete Transfers. If We do not complete a transfer from a consumer 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 exceptions. We will NOT be liable, for instance: • If, through no fault of Ours, You do not have enough available money in the account from which a transfer is to be made, or if the account has been closed or is not in good standing, or if We reverse a transfer because of insufficient funds. • If any transfer would go over the credit limit of any account. • If Your equipment or Ours was not working properly and the breakdown should have been apparent to You when You attempted to conduct the transaction. • If You have not given Us complete, correct or current account numbers or other identifying information so that We can properly credit Your account or otherwise complete the transaction. • If You do not properly follow Our instructions or if You provide Us with wrong or inaccurate information or fail to correct or tell Us about any inaccuracy of which You are aware. • If You do not instruct Us soon enough for Your transfer to be received and credited. • If the money in the account from which a transfer is to be made is subject to legal process or other claim restricting the transaction. • If circumstances or persons beyond Our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that We have taken. Stopping or Changing Transfers/Stopping Checks If You want to stop or change transfers You have instructed Us to make, You must notify Us before We have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions. The normal way to do this is for You to access the appropriate function in Our OnLine Banking service no later than the day before the business day the transfer is scheduled to be made, and either delete it or make the change. Stop Payments for checks (electronic or written) can be submitted within OnLine Banking using the Stop Payment feature in Services. You may also call Us at 000.000.0000 or by using any electronic stop payment method which We provide for this purpose. If You call, You must do this in time for Us to receive Your request 3 business days or more before the transfer is scheduled to be made. If You call, We may also require You to put Your request in writing on paper and get it to Us within 14 days after You call. There may be fees applied to Your account(s) for using stop payment services. Please check Our Fee Schedule for more information. If You order Us to stop a preauthorized recurring transfer from a consumer account as described above, and We do not do so, We will be liable for Your losses or damages. Bill Payment Service Bill Payment is offered to members in connection with DFCU OnLine. If You enroll for this service, a separate agreement and disclosure will be provided to You. By using DFCU OnLine Bill Payment Service offered herein, You agree to abide by the terms and conditions set forth in this paragraph and any further instructions provided to You by the Credit Union or the bill payment processor regarding processing of payments.

Our Liability for Failure to Complete Transfers. If We do not complete a transfer from a consumer 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 exceptions. We will NOT be liable, for instance: •  If, through no fault of Ours, You do not have enough available money in the account from which a transfer is to be made, or if the account has been closed or is not in good standing, or if We reverse a transfer because of insufficient funds. •  If any transfer would go over the credit limit of any account. •  If Your equipment or Ours was not working properly and the breakdown should have been apparent to You when You attempted to conduct the transaction. •  If You have not given Us complete, correct or current account numbers or other identifying information so that We can properly credit Your account or otherwise complete the transaction. •  If You do not properly follow Our instructions or if You provide Us with wrong or inaccurate information or fail to correct or tell Us about any inaccuracy of which You are aware. •  If You do not instruct Us soon enough for Your transfer to be received and credited. •  If the money in the account from which a transfer is to be made is subject to legal process or other claim restricting the transaction. •  If circumstances or persons beyond Our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that We have taken. Stopping or Changing Transfers/Stopping Checks If You want to stop or change transfers You have instructed Us to make, You must notify Us before We have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions. The normal way to do this is for You to access the appropriate function in Our OnLine Online Banking service no later than the day before the business day the transfer is scheduled to be made, and either delete it or make the change. Stop Payments for checks (electronic or written) can be submitted within OnLine Online Banking using the Stop Payment feature in Services. You may also call Us at 000.000.0000 or by using any electronic stop payment method which We provide for this purpose. If You call, You must do this in time for Us to receive Your request 3 business days or more before the transfer is scheduled to be made. If You call, We may also require You to put Your request in writing on paper and get it to Us within 14 days after You call. There may be fees applied to Your account(s) for using stop payment services. Please check Our Fee Schedule for more information. If You order Us to stop a preauthorized recurring transfer from a consumer account as described above, and We do not do so, We will be liable for Your losses or damages. Bill Payment Service Bill Payment is offered to members in connection with DFCU OnLineOnline. If You enroll for this service, a separate agreement and disclosure will be provided to You. By using DFCU OnLine Online Bill Payment Service offered herein, You agree to abide by the terms and conditions set forth in this paragraph and any further instructions provided to You by the Credit Union or the bill payment processor regarding regard ing processing of payments.

Our Liability for Failure to Complete Transfers. If We do not complete a transfer from a consumer an 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 exceptions. We will NOT be liable, for instance: • If, through no fault of Ours, You do not have enough available money in the account from which a transfer is to be made, or if the account has been closed or is not in good standing, or if We reverse a transfer because of insufficient funds. • If any transfer would go over the credit limit of any account. • If Your equipment or Ours was not working properly and the breakdown should have been apparent to You when You attempted to conduct the transaction. • If You have not given Us complete, correct or current account numbers or other identifying information so that We can properly credit Your account or otherwise complete the transaction. • If You do not properly follow Our instructions or if You provide Us with wrong or inaccurate information or fail to correct or tell Us about any inaccuracy of which You are aware. • If You do not instruct Us soon enough for Your transfer to be received and credited. • If the money in the account from which a transfer is to be made is subject to legal process or other claim restricting the transaction. • If circumstances or persons beyond Our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that We have taken. Stopping or Changing Transfers/Stopping Checks If You want to stop or change transfers You have instructed Us to make, You must notify Us before We have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions. The normal way to do this is for You to access the appropriate function in Our OnLine Online Banking service no later than the day before the business day the transfer is scheduled to be made, and either delete cancel it or make the change. Stop Payments for checks (electronic or written) can be submitted within OnLine Online Banking using the Stop Payment feature in Services. You may also call Us at 000.000.0000 or by using any electronic stop payment method which We provide for this purpose. If You call, You must do this in time for Us to receive Your request 3 business days or more before the transfer is scheduled to be made. If You call, We may also require You to put Your request in writing on paper and get it to Us within 14 days after You call. There may be fees applied to Your account(s) for using stop payment services. Please check Our Business Fee Schedule for more information. If You order Us to stop a preauthorized recurring transfer from a consumer an account as described above, and We do not do so, We will be liable for Your losses or damages. Bill Xxxx Payment Service Bill Xxxx Payment is offered to members members, Authorized Persons, and Managed Users in connection with DFCU OnLineOnline. If You enroll for this service, a separate agreement and disclosure will be provided to You. By using DFCU OnLine Bill Online Xxxx Payment Service offered herein, You agree to abide by the terms and conditions set forth in this paragraph and any further instructions provided to You by the Credit Union or the bill xxxx payment processor regarding processing of payments.

Our Liability for Failure to Complete Transfers. If We we do not complete a transfer from a consumer account an External Transfer on time or in the correct amount according to Our agreement our Agreement with Youyou, We we will be liable for Your your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: • Ifif, through no fault of Oursours, You you do not have enough available money in your account to make the account from which a transfer is to be made, or transfer; • if the account has been closed or is not in good standing, or if We reverse a transfer because of insufficient funds. • If any transfer would go over the credit limit of any account. • If Your equipment or Ours was not working properly and the breakdown should have been apparent to You when You attempted to conduct the transaction. • If You have not given Us complete, correct or current account numbers or other identifying information so that We can properly credit Your account or otherwise complete the transaction. • If You do not properly follow Our instructions or if You provide Us with wrong or inaccurate information or fail to correct or tell Us about any inaccuracy of which You are aware. • If You do not instruct Us soon enough for Your transfer to be received and credited. • If the money funds in the account from which a transfer is to be made is subject to legal process or other claim restricting the transaction. ; • If circumstances if we reverse a transfer because of insufficient available funds; • if an account has been closed or persons beyond Our control preventis not in good standing; • if the Service, delay, interceptthe Online Banking service, or alter your operating system or software was not functioning properly at the time you attempted to initiate such transfer and it was or should have been apparent to you at the time you began the transaction; • if your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction; • if the financial institution at which your External Account is held mishandles or delays processing or posting a transfer sent using the Service; • if you have not provided us with complete, correct, or current account numbers or other identifying information so that we can properly complete the transaction; • if you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware; • if you have not provided us with complete and correct External Transfer information, including without limitation the transfer amount for a transfer; • if circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that We we have taken; or • for any other reason stated elsewhere in this or any other Agreement you have with us. Stopping The list of examples set out in this section is meant to illustrate circumstances under which we would not be liable for failing to make a transfer and is not intended to list all of the circumstances where we would not be liable. In the event we are ever liable to you for damages related to the Service, your damages will be limited to actual damages only. We will not be responsible for indirect, special, incidental or Changing Transfers/Stopping Checks If consequential damages, court costs or attorneys' fees. Communications Link and Equipment It is your responsibility to obtain and maintain your online communications link to our Service and ensure that your use of such communications link is in compliance with applicable requirements, including any requirements of telecommunications companies and authorities. You want are responsible for obtaining, installing, maintaining and operating all software, hardware or other equipment necessary for you to stop or change transfers You have instructed Us to make, You must notify Us before We have started processing access and use the transactionService (“Systems”). This applies responsibility includes, without limitation, your utilizing up to both individual transactions date web-browsers and the best commercially available encryption, antivirus, anti-spyware, and internet security software. You are additionally responsible for obtaining Internet services via the Internet service provider of your choice, for any and all fees imposed by such Internet service provider and any associated communications service provider charges. You acknowledge that there are security, corruption, transmission error, and access availability risks associated with using open networks such as well as preauthorized recurring transactionsthe Internet and you hereby expressly assume such risks, including but not limited to those we may disclose in our educational materials. The normal way to do this is You acknowledge that you are responsible for You the data security of the Systems used to access the appropriate function in Our OnLine Banking service no later than the day before the business day the transfer is scheduled to be madeService, and either delete it or make for the changetransmission and receipt of information using such Systems. Stop Payments for checks (electronic or written) can be submitted within OnLine Banking You acknowledge that you are using the Stop Payment feature in ServicesService for your convenience, have made your own independent assessment of the adequacy of the Internet and Systems and that you are satisfied with that assessment. You may also call Us at 000.000.0000 We are not responsible for any errors or by using any electronic stop payment method which We provide for this purpose. If You call, You must do this in time for Us to receive Your request 3 business days problems that arise from the malfunction or more before failure of the transfer is scheduled to be made. If You call, We may also require You to put Your request in writing on paper and get it to Us within 14 days after You call. There may be fees applied to Your account(s) for using stop payment services. Please check Our Fee Schedule for more information. If You order Us to stop a preauthorized recurring transfer from a consumer account as described above, and We do not do so, We will be liable for Your losses or damages. Bill Payment Service Bill Payment is offered to members in connection with DFCU OnLine. If You enroll for this service, a separate agreement and disclosure will be provided to You. By using DFCU OnLine Bill Payment Service offered herein, You agree to abide by the terms and conditions set forth in this paragraph and any further instructions provided to You by the Credit Union Internet or the bill payment processor regarding processing Systems nor are we responsible for notifying you of paymentsany upgrades, fixes, or enhancements to, or for providing technical or other support for your Systems.

Our Liability for Failure to Complete Transfers. If We do not complete a transfer from a consumer 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 exceptions. We will NOT be liable, for instance: • If, through no fault of Ours, You do not have enough available money in the account from which a transfer is to be made, or if the account has been closed or is not in good standing, or if We reverse a transfer because of insufficient funds. • If any transfer would go over the credit limit of any account. • If Your equipment or Ours was not working properly and the breakdown should have been apparent to You when You attempted to conduct the transaction. • If You have not given Us complete, correct or current account numbers or other identifying information so that We can properly credit Your account or otherwise complete the transaction. • If You do not properly follow Our instructions or if You provide Us with wrong or inaccurate information or fail to correct or tell Us about any inaccuracy of which You are aware. • If You do not instruct Us soon enough for Your transfer to be received and credited. • If the money in the account from which a transfer is to be made is subject to legal process or other claim restricting the transaction. • If circumstances or persons beyond Our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that We have taken. Stopping or Changing Transfers/Stopping Checks If You want to stop or change transfers You have instructed Us to make, You must notify Us before We have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions. The normal way to do this is for You to access the appropriate function in Our OnLine Online Banking service no later than the day before the business day the transfer is scheduled to be made, and either delete it or make the change. Stop Payments for checks (electronic or written) can be submitted within OnLine Online Banking using the Stop Payment feature in Services. You may also call Us at 000.000.0000 or by using any electronic stop payment method which We provide for this purpose. If You call, You must do this in time for Us to receive Your request 3 business days or more before the transfer is scheduled to be made. If You call, We may also require You to put Your request in writing on paper and get it to Us within 14 days after You call. There may be fees applied to Your account(s) for using stop payment services. Please check Our Fee Schedule for more information. If You order Us to stop a preauthorized recurring transfer from a consumer account as described above, and We do not do so, We will be liable for Your losses or damages. Bill Payment Service Bill Payment is offered to members in connection with DFCU OnLineOnline. If You enroll for this service, a separate agreement and disclosure will be provided to You. By using DFCU OnLine Online Bill Payment Service offered herein, You agree to abide by the terms and conditions set forth in this paragraph and any further instructions provided to You by the Credit Union or the bill payment processor regarding regard ing processing of payments.

Our Liability for Failure to Complete Transfers. If We do not complete a transfer from a consumer an 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 exceptions. We will NOT be liable, for instance: • If, through no fault of Ours, You do not have enough available money in the account from which a transfer is to be made, or if the account has been closed or is not in good standing, or if We reverse a transfer because of insufficient funds. • If any transfer would go over the credit limit of any account. • If Your equipment or Ours was not working properly and the breakdown should have been apparent to You when You attempted to conduct the transaction. • If You have not given Us complete, correct or current account numbers or other identifying information so that We can properly credit Your account or otherwise complete the transaction. • If You do not properly follow Our instructions or if You provide Us with wrong or inaccurate information or fail to correct or tell Us about any inaccuracy of which You are aware. • If You do not instruct Us soon enough for Your transfer to be received and credited. • If the money in the account from which a transfer is to be made is subject to legal process or other claim restricting the transaction. • If circumstances or persons beyond Our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that We have taken. Stopping or Changing Transfers/Stopping Checks If You want to stop or change transfers You have instructed Us to make, You must notify Us before We have started processing the transaction. This applies to both individual transactions as well as preauthorized recurring transactions. The normal way to do this is for You to access the appropriate function in Our OnLine Online Banking service no later than the day before the business day the transfer is scheduled to be made, and either delete cancel it or make the change. Stop Payments for checks (electronic or written) can be submitted within OnLine Online Banking using the Stop Payment feature in Services. You may also call Us at 000.000.0000 or by using any electronic stop payment method which We provide for this purpose. If You call, You must do this in time for Us to receive Your request 3 business days or more before the transfer is scheduled to be made. If You call, We may also require You to put Your request in writing on paper and get it to Us within 14 days after You call. There may be fees applied to Your account(s) for using stop payment services. Please check Our Business Fee Schedule for more information. If You order Us to stop a preauthorized recurring transfer from a consumer an account as described above, and We do not do so, We will be liable for Your losses or damages. Bill Payment Service Bill Payment Xxxx Xxxxxxx is offered to members members, Authorized Persons, and Managed Users in connection with DFCU OnLineOnline. If You enroll for this service, a separate agreement and disclosure will be provided to You. By using DFCU OnLine Online Bill Payment Service offered herein, You agree to abide by the terms and conditions set forth in this paragraph and any further instructions provided to You by the Credit Union or the bill payment processor regarding processing of payments.