Common use of Our Liability for Failure to Make or Complete Electronic Fund Transfers Clause in Contracts

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM or network system was not working properly and you knew about this breakdown when you started the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the Home Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking Bill Pay; m. You have not provided our Home Banking Bill Pay Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM or ATMor network system was systemwas not working properly properly, and you knew about this breakdown when you started the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the Home Digital Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking the Bill PayPayment Service; m. You have not provided our Home Banking Bill Pay Payment Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your xxxxxxxx account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM or network system was not working properly and you knew about this breakdown when you started the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the Home Online Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking Bill Paythe Xxxx Xxxxx Service; m. You have not provided our Home Banking Bill Pay Xxxx Xxxxx Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM or network system was not working properly properly, and you knew about this breakdown when you started the transaction;. g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the Home Online Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking Bill Paythe Xxxx Xxxxx Service; m. You have not provided our Home Banking Bill Pay Xxxx Xxxxx Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-third- party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM or network system was not working properly properly, and you knew about this breakdown when you started the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the Home Online Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking Bill Paythe Xxxx Xxxxx Service; m. You have not provided our Home Banking Bill Pay Xxxx Xxxxx Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. c. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. d. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. e. The ATM or network system was not working properly and you knew about this breakdown when you started the transaction; g. f. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. g. Your MasterCard Debit Card, MasterCard Debit Card PIN, or Access Code Meriwest Online PIN you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chipstrip, is inactive due to non-non- use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, MasterCard Debit Card PIN, or Access Code Meriwest Online PIN has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. h. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. i. You make an error in keying your deposit at an ATM or through the Home Online Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. j. The payee mishandles or delays a payment sent by Home Banking Bill Paythe Xxxx Xxxxx Service; m. k. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity; or l. You have not provided our Home Banking Bill Pay Xxxx Xxxxx Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, pandemic, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM or network system was not working properly properly, and you knew about this breakdown when you started the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained or cancelled by us due to your misuse or suspected fraudulent activities, is retained or cancelled by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the e-Branch Home Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking the Bill PayPay Service; m. You have not provided our Home Banking Bill Pay Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT to or from your account on time or in the correct amount according to our agreement with you, we may will be liable for your losses and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, tornado or earthquake; computer system failure; telecommunication outages; postal strikes; equipment, power, or electrical failure, ; malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money sufficient available funds in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM ATM, electronic terminal, or network system was not working properly and you knew about this breakdown when you started the transaction; g. The ATM or electronic terminal where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit, go over the credit limit of your overdraft protection, or would exceed other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the Home Online Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking Bill Paypayment; m. You have not provided us or our Home Banking Bill Pay Service service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; n. Your account(s) has been closed; o. If the transfer would create, and require our approval to pay, an overdraft per our discretionary Overdraft Privilege Service and we choose in our sole discretion to not approve payment of such overdraft; or n. p. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing no exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT a transfer to or from your account on time or in the correct amount according to our agreement with you, we may will be liable for your losses and damagesloss or damage. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. :  Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. transaction.  You provide an incomplete or incorrect User ID or password, or you answer security questions incorrectly, or you do not enter a correct passcode supplied by the Credit Union to authenticate your identity, or because your User ID or password has been repeatedly entered incorrectly, or you have not properly followed any applicable computer, Internet, or Credit Union instructions for making transfers.  Your computer or other device fails or malfunctions or if the Credit Union’s online access system was not properly working and you knew about this breakdown when you started the transaction.  Circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) despite reasonable precautions that we have taken.  The funds in your account are subject to an uncollected funds hold, legal process, process or other circumstances restricting such transaction or payment; e. .  We have received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, house or a terminal owner); f. The ATM or network system was not working properly and you knew about this breakdown when you started the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. .  Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. .  You make an error in keying your deposit at an ATM or through the Home Banking system Service (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. .  The payee mishandles or delays a payment sent by Home Banking Bill Pay; m. the Xxxx Payment Service.  You have not provided our Home Banking Bill Pay Xxxx Payment Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. .  Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There We may be establish other exceptions not specifically mentioned in addition to those listed above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited removed from your account, or caused cause funds from your account to be transferred directed to a person or entity which does not comply with your bill xxxx payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill xxxx payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or servicesand/orservices; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such restrictingsuch transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasuryparties(e.g.,theU.S.Treasury, an automated clearing houseautomatedclearinghouse, or a terminal owner); f. The ATM or network system was not working properly and you knew about this breakdown when you started youstarted the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your CardYourCard, PIN, or Access Code you provide Codeyouprovide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse yourmisuse or suspected fraudulent suspectedfraudulent activities, is retained by us at your requestyourrequest, or your Card, ,PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make Youmake an error in keying your deposit keyingyourdeposit at an ATM or through the Home ATMor throughtheOnline Banking system (and system(and if you make such errorsucherror, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles payeemishandles or delays a payment sent by Home Banking Bill PaytheBillPayerService; m. You have not provided our Home Banking Bill Pay Xxxx Xxxxx Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by Anytransaction isprohibitedby law, ,regulation, court order, ,courtorder,or would be wouldbe considered illegal activityillegalactivity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions theforegoingexceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which entitywhich does not comply with your bill payment instructions, complywithyourbillpaymentinstructions,we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill payments or transfers.

Our Liability for Failure to Make or Complete Electronic Fund Transfers. If we do not properly complete an EFT 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 and damages. However, there are some exceptions. We will not be liable, for instance, if: a. Circumstances beyond our control (such as fire, flood, earthquake, electrical failure, malfunction of central data processing facility, etc.) prevent the transaction, despite reasonable precautions that we have taken; b. Delays in processing and/or payment are caused by third-party software and/or services; c. Through no fault of ours, you do not have enough money in your account (or sufficient collected funds) to complete the transaction(s); d. The funds in your account are subject to an uncollected funds hold, legal process, or other circumstances restricting such transaction or payment; e. We received incorrect or incomplete information from you or from third parties (e.g., the U.S. Treasury, an automated clearing house, or a terminal owner); f. The ATM or network system was not working properly and you knew about this breakdown when you started the transaction; g. The ATM where you were conducting the transaction did not have enough cash or cash in the denominations you requested; h. Your Card, PIN, or Access Code you provide is incorrect or incomplete, has been reported lost or stolen, has expired, is damaged so that the mechanical device cannot read the encoding strip or chip, is inactive due to non-use, is retained by us due to your misuse or suspected fraudulent activities, is retained by us at your request, or your Card, PIN, or Access Code has been repeatedly entered incorrectly; i. The transaction would exceed an unused line of credit limit or other account transaction limits; j. Our failure to complete the transaction or the placement of a block on your account is done to protect the security of your account and/or the electronic terminal system; k. You make an error in keying your deposit at an ATM or through the Home Online Banking system, or Mobile Banking system (and if you make such error, we are not responsible for bounced checks, forfeited dividends, and other consequences which may result); l. The payee mishandles or delays a payment sent by Home Banking Bill Paythe Xxxx Xxxxx Service; m. You have not provided our Home Banking Bill Pay Xxxx Xxxxx Service provider with the correct names, phone numbers, or account information for those persons or entities to whom you wish to direct payment; or n. Any transaction is prohibited by law, regulation, court order, or would be considered illegal activity. There may be other exceptions not specifically mentioned above. Provided that none of the foregoing exceptions to the service performance obligations are applicable, if we cause an incorrect amount of funds to be debited from your account, or caused funds from your account to be transferred to a person or entity which does not comply with your bill xxxx payment instructions, we will be responsible for returning the improperly transferred funds to your account and for directing to the proper recipient any previously misdirected bill xxxx payments or transfers.