Common use of Our Liability for Failure to Make Transactions Clause in Contracts

Our Liability for Failure to Make Transactions. 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. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss, prop- erty damage or loss, whether caused by the equipment, software, Credit Union, browser providers or by Internet Service Providers, or by an agent or subcontractor for any of the foregoing. Nor shall we or our service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Digital Banking and may have referred to such communication as “se- cured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by appli- cable law. The Credit Union and our service providers will not be liable for the following: • If, through no fault of ours, you do not have enough available funds in your account to make the transfer, your account is in- active, or the transfer would go over the credit limit on your line of credit, if applicable. • If you used the wrong Credentials or you have not properly fol- lowed any applicable computer, or Credit Union user instruc- tions for making transfer and bill payment transactions. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working, and such problem should have been apparent when you attempted such transaction. • If circumstances beyond your control (such as fire, flood, tele- communication outages or strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process, or other claim. • If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer. • If, through no fault of ours, a bill payment or funds transfer trans- action does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you al- low for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an online service provider, any computer virus or problems related to software not provided by Credit Union. We may establish other exceptions in addition to those listed above.

Our Liability for Failure to Make Transactions. If we do not complete a transfer to or from your an account with us on time or in the correct amount according to our agreement with youthe BSA, we will be liable for your losses actual transaction loss or damagesdamage. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be are responsible for any loss, prop- erty damage property damage, or lossbodily injury, whether caused by the equipmentequip- ment, software, Credit Union, or by internet browser providers such as Microsoft (Microsoft Internet Explorer), Apple (Safari), Mozilla (Firefox), Google (Chrome) or by Internet Service Providers, access provid- ers or by online service providers or by an agent or subcontractor for any of the foregoing. Nor shall will we or our the service providers be responsible for any direct, indirect, special, or consequential economic eco- nomic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, online access services, or Internet internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Digital Banking the online access service and may have referred to such communication as “se- curedsecured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by appli- cable applicable law. The Credit Union and our service providers We will not be liable for the following: • If, through no fault of ours, you do not have enough available adequate funds in your account to make the transfercomplete a transaction, your account is in- activeclosed, or the transfer transaction amount would go over the exceed your credit limit on your line of credit, if applicable. • If you used the wrong Credentials identification code or you have not properly fol- lowed followed any applicable computer, Internet, or Credit Union user instruc- tions instructions for making transfer and bill payment transactionstransfers. • If your computer fails or malfunctions or if the phone lines or Credit Union computer Union’s online access system was not properly working, working and such problem prob- lem should have been apparent when you attempted such transaction. • If the ATM where you are making the transfer does not oper- ate properly, does not have enough cash or you use your Card improperly. • If circumstances beyond your our control (such as fire, flood, tele- communication outages or outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If the funds in your account are subject is frozen because of a delinquent loan or is sub- ject to an administrative hold, legal process, process or other claim. • If the error was caused by a system beyond the Credit Un- ion’s control such as your Internet Service Provider, any computer virus, or problems related to software not provided by the Credit Union. • If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process make a transfer. • If, through no fault of ours, a bill payment or funds transfer trans- action does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you al- low for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond any applicable ATM or payment sys- tem network. The ATM machine may retain your Card in cer- tain instances, in which event you may contact the Credit Union’s control such as a telecommunications system, an online service provider, any computer virus or problems related to software not provided by Credit UnionUnion about its replacement. We may establish other exceptions in addition to those listed above.

Our Liability for Failure to Make Transactions. If we do not complete a transfer to or from your an account with us on time or in the correct amount according to our agreement with you, we will be liable for your losses actual transaction loss or damagesdamage. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible are re- sponsible for any loss, prop- erty damage property damage, or lossbodily injury, whether caused by the equipment, software, Credit Union, or by internet browser providers such as Microsoft (Microsoft Internet Explorer), Apple (Safari), Mozilla (Firefox), Google (Chrome) or by Internet access providers or by Internet Service Providers, online service providers or by an agent or subcontractor for any of the foregoing. Nor shall we or our the service providers be responsible for any direct, indirect, special, or consequential conse- quential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, softwaresoft- xxxx, online access services, or Internet browser or access softwaresoft- xxxx. In this regard, although we have taken measures to provide security for communications from you to us via Digital Banking the online access service and may have referred to such communication as “se- cured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by appli- cable applicable law. The Our Credit Union and our service providers will not be liable for the following: • If, through no fault of ours, you do not have enough available adequate funds in your an account to make complete a transaction, the transfer, your account is in- activeterminated, or the transfer transaction amount would go over the exceed your credit limit on your line of credit, if applicable. • If you used the wrong Credentials identification code or you have not properly fol- lowed followed any applicable computer, Internet, or Credit Union user instruc- tions instructions for making transfer and bill payment transactionstransfers. • If your computer fails or malfunctions or the phone lines or if our Credit Union computer Union’s online access system was not properly working, working and such problem prob- lem should have been apparent when you attempted such transactiontrans- action. • If the ATM where you are making the transfer does not operate properly, does not have enough cash or you use your Card im- properly. • If circumstances beyond your our control (such as fire, flood, tele- communication outages or telecom- munication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If the funds in your account are with us is frozen because of a delinquent loan or is subject to an administrative hold, legal process, process or other claim. • If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer. • If, through no fault of ours, a bill payment or funds transfer trans- action does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you al- low for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the our Credit Union’s control such as a telecommunications system, an online service provideryour Internet Service Provider, any computer virus vi- rus, or problems related to software not provided by our Credit Union. • If you have not given our Credit Union complete, correct, and current instructions so our Credit Union can make a transfer. • If the error was caused by any applicable ATM or payment sys- tem network. The ATM machine may retain your Card in certain instances, in which event you may contact our Credit Union about its replacement. We may establish other exceptions in addition to those listed above.

Our Liability for Failure to Make Transactions. 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 actual transaction loss or damagesdamage. Our sole responsibility respon- sibility for an error in a transfer will be to correct the error. You agree that neither we nor the our service providers shall be responsible for any loss, prop- erty damage property damage, or lossbodily injury, whether caused by the equipment, software, Credit Union, or by internet browser providers such as Microsoft (Microsoft Internet Explorer), Apple (Safari), Mozilla (Firefox), Google (Chrome) or by Internet access providers or by Internet Service Providers, online service providers or by an agent or subcontractor for any of the foregoing. Nor shall we or our service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Digital Banking the online access service and may have referred to such communication com- munication as “se- curedsecured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion exclu- sion or limitation of such damages, our liability is limited to the extent permitted by appli- cable applicable law. The Credit Union and our service providers pro- viders will not be liable for the following: • If, through no fault of ours, you do not have enough available adequate funds in your account to make the transfercomplete a transaction, your account is in- activeclosed, or the transfer transaction amount would go over the exceed your credit limit on your line of credit, if applicable. • If you used the wrong Credentials identification code or you have not properly fol- lowed followed any applicable computer, Internet, or Credit Union user instruc- tions instructions for making transfer and bill payment transactionstransfers. • If your computer fails or malfunctions or if the phone lines or Credit Union computer Union’s online access system was not properly working, working and such problem prob- lem should have been apparent when you attempted such transactiontrans- action. • If the ATM where you are making the transfer does not operate properly, does not have enough cash or you use your Card im- properly. • If circumstances beyond your our control (such as fire, flood, tele- communication outages or outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If the funds in your account are subject is frozen because of a delinquent loan or is sub- ject to an administrative hold, legal process, process or other claim. • If the error was caused by a system beyond the Credit Union’s control such as your Internet Service Provider, any computer virus, or problems related to software not provided by the Credit Union. • If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process make a transfer. • If, through no fault of ours, a bill payment or funds transfer trans- action does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you al- low for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond any applicable ATM or payment sys- tem network. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union’s control such as a telecommunications system, an online service provider, any computer virus or problems related to software not provided by Credit UnionUnion about its replacement. We may establish other exceptions in addition to those listed above.

Our Liability for Failure to Make Transactions. If we do not complete a transfer to or from your an account with us on time or in the correct amount according to our agreement with youthe MSA, we will be liable for your losses actual transaction loss or damagesdamage. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be are responsible for any loss, prop- erty damage property damage, or lossbodily injury, whether caused by the equipmentequip- ment, software, Credit Union, browser internet browsers, internet access providers, online service providers or by Internet Service Providers, or by an agent or subcontractor for any of the foregoing. Nor shall will we or our the service providers be responsible for any direct, indirect, special, or consequential economic eco- nomic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, online access services, or Internet internet browser or access software. In this regardre- gard, although we have taken measures to provide security for communications from you to us via Digital Banking the Online Access service and may have referred to such communication as “se- curedsecured,” we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the exclusion or limitation of such damages, our liability is limited to the extent permitted by appli- cable applicable law. The Credit Union and our service providers We will not be liable for the following: • If, through no fault of ours, you do not have enough available adequate funds in your an account to make complete a transaction, the transfer, your account is in- active, terminated or the transfer transaction amount would go over the exceed your credit limit on your line of credit, if applicable. • If you used the wrong Credentials identification code or you have not properly fol- lowed followed any applicable computer, Internet or Credit Union user instruc- tions Un- ion instructions for making transfer and bill payment transactionstransfers. • If your computer fails or malfunctions or the phone lines or Credit Union computer if our Online Access system was not properly working, working and such a problem should have been apparent when you attempted such a transaction. • If the ATM where you are making the transfer does not operate properly, does not have enough cash or you use a Card im- properly. • If circumstances beyond your our control (such as fire, flood, tele- communication outages or telecom- munication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If the funds in your account are with us is frozen because of a delinquent loan or is subject to an administrative hold, a legal process, process or other claim. • If you have not given the Credit Union complete, correct, and current instructions so the Credit Union can process a transfer. • If, through no fault of ours, a bill payment or funds transfer trans- action does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you al- low for payment delivery was inaccurate; or the payee failed to process a payment correctly, or in a timely manner, and a fee, penalty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s our control such as a telecommunications system, an online service provideryour Internet Service Provider, any computer virus virus, or problems related to software not provided by Credit Unionus. • If you have not given us complete, correct, and current instruc- tions so we can make a transfer. We may establish other exceptions in addition to those listed above.

Our Liability for Failure to Make Transactions. 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. Our sole responsibility for an error in a transfer will be to correct the error. You agree that neither we nor the service providers shall be responsible for any loss, prop- erty damage or loss, whether caused by the equipment, software, Credit Union, or by online browser providers such as online browser providers such as Microsoft (Edge), Google (Chrome), Mozilla (Firefox) or Apple (Safari) or by Internet access providers or by Internet Service Providers, online service providers or by an agent or subcontractor for any of the foregoing. Nor shall we or our service providers be responsible for any direct, indirect, special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, online access services, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Digital Banking and may have referred to such communication as “se- curedsecured,” we cannot and do not provide any warranty or guarantee guaran- tee of such security. In states that do not allow the exclusion or limitation limi- tation of such damages, our liability is limited to the extent permitted by appli- cable applicable law. The Credit Union and our service providers will not be liable for the following: • If, through no fault of ours, you do not have enough available funds in your account to make the transfer, your account is in- activeinac- tive, or the transfer would go over the credit limit on your line of credit, if applicable. • If you used the wrong Credentials access code or you have not properly fol- lowed any applicable computer, or Credit Union user instruc- tions instructions for making transfer and bill xxxx payment transactions. transactions • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working, and such problem should have been apparent when you attempted such transaction. • If circumstances beyond your our control (such as fire, flood, tele- communication telecom- munication outages or strikes, equipment or power failure) prevent pre- vent making the transaction. • If the funds in your account are subject to an administrative hold, legal process, process or other claim. • If you have not given the Credit Union complete, correct, correct and current cur- rent instructions so the Credit Union can process a transfer. • If, through no fault of ours, a bill xxxx payment or funds transfer trans- action does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you al- low allow for payment delivery was inaccurate; or the payee failed to process pro- cess a payment correctly, or in a timely manner, and a fee, penaltypen- alty, or interest is assessed against you. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an online service provider, any computer virus or problems related to software not provided by Credit Union. We may establish other exceptions in addition to those listed above.