Common use of TRANSACTIONS THAT ARE NOT COMPLETED Clause in Contracts

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time, in the correct amount, and we have agreed to perform it, with certain exceptions, we will be liable for your losses or damages. This agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:  If we have terminated this Agreement.  If through no fault of ours, you do not have enough money in your account(s) to make the transfer.  If your loan(s) at the credit union are past due.  A legal order directs us to prohibit withdrawals from the account(s).  The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.  If circumstances beyond our control such as but not limited to, computer, telephone or electrical failure, acts of nature, fire, flood or other such circumstances, or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.  If your account is closed, frozen or funds are uncollected.  If you, or anyone authorized by you, commits any fraud or violates any law or regulation.  If the transfer would cause your balance to become negative.  If any part of EZ Money Manager Online Banking is not working properly and you knew about the problem when you started the transactions.  There may be other exceptions as provided by applicable law. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS You authorize us to obtain any information deemed necessary to process your request for access to EZ Money Manager Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:  Where it is necessary for completing or documenting transactions or resolving errors involving transactions.  In order to verify the existence and condition of your designated account(s).  In order to comply with orders or subpoenas of government agencies or courts.  If you give us written permission. OUR BUSINESS DAYS Our business days are Monday through Saturday, other than legal banking holidays. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time, time and in the correct amount, and we have agreed to perform it, such transfer(s) (with certain exceptions), we will may be liable for your losses or damages. This agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:  • If we have terminated this Agreement.  • If through no fault of ours, you do not have enough money in your account(s) to make the transfer.  If your loan(s) at the credit union are past due.  • A legal order directs us to prohibit withdrawals from the account(s).  • The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.  • If circumstances beyond our control (such as but not limited to, computer, telephone fire or electrical failure, acts of nature, fire, flood or other such circumstances, or persons beyond our control prevent, delay, intercept or alter flood) prevent the transaction, transaction from being completed despite reasonable precautions that we have taken.  • You have reported an unauthorized use of your member number and password, reported it as stolen, or requested that we issue a new password, and we have as a result refused to honor the original password. • If your account is closed, frozen or funds are uncollected.  • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.  • If the transfer would cause your balance to become negativenegative or exceed the credit limit of an established line of credit or credit card loan.  • If any part of EZ Money Manager Online Banking Access is not working properly and you knew about the problem when you started the transactions.  There may be • If other exceptions are introduced as provided by applicable law. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS You authorize us to obtain any information deemed necessary to process your request for access to EZ Money Manager Online BankingAccess. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:  • Where it is necessary for completing or documenting transactions or resolving errors involving transactions.  • In order to verify the existence and condition of your designated account(s).  • In order to comply with orders or subpoenas of government agencies or courts.  • If you give us written permission. OUR BUSINESS DAYS Our business days are Monday through SaturdayFriday, other than legal banking holidays. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time, in the correct amount, and we have agreed to perform it, with certain exceptions, we will be liable for your losses or damages. This Section 2 of this agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:  If we have terminated this Agreement.  If through no fault of ours, you do not have enough money in your account(s) to make the transfer.  If your loan(s) at the credit union are past due.  A legal order directs us to prohibit withdrawals from the account(s).  The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.  If circumstances beyond our control (such as but not limited to, computer, telephone fire or electrical failure, acts of nature, fire, flood or other such circumstances, or persons beyond our control prevent, delay, intercept or alter flood) prevent the transaction, transaction from being completed despite reasonable precautions that we have taken.  You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and we have as a result refused to honor the original Password.  If your account is closed, frozen frozen, or funds are uncollected.  If you, or anyone authorized by you, commits any fraud or violates any law or regulation.  If the transfer would cause your balance to become negativenegative or exceed the credit limit of an established line of credit loan.  If any part of EZ Money Manager Online Banking is not working properly and you knew about the problem when you started the transactions.  There may be other exceptions as provided by applicable law. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS You authorize us to obtain any information deemed necessary to process your request for access to EZ Money Manager Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:  Where it is necessary for completing or documenting transactions or resolving errors involving transactions.  In order to verify the existence and condition of your designated account(s).  In order to comply with orders or subpoenas of government agencies or courts.  If you give us written permission. OUR BUSINESS DAYS Our business days are Monday through Saturday, other than legal banking holidays. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.:

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time, time and in the correct amount, and we have agreed to perform it, such transfer(s) (with certain exceptions), we will may be liable for your losses or damages. This agreement Section 1. of this Agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:  If we have terminated this Agreement.  If through no fault of ours, you do not have enough money in your account(s) to make the transfer.  If your loan(s) at the credit union are past due.  A legal order directs us to prohibit withdrawals from the account(s).  The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.  If circumstances beyond our control (such as but not limited to, computer, telephone fire or electrical failure, acts of nature, fire, flood or other such circumstances, or persons beyond our control prevent, delay, intercept or alter prevent the transaction, transaction from being completed despite reasonable precautions that we have taken.  You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and have as a result refused to honor the original Password. If your account is closed, frozen or funds are uncollected.  If you, or anyone authorized by you, commits any fraud fraud, or violates any law or regulation.  If the transfer would cause causes your balance to become negativenegative or exceed the credit limit of an established line of credit loan.  If any part of EZ Money Manager the Online Banking is not working properly and you knew about the problem when you started the transactions.  There may be If other exceptions are introduced as provided by applicable law. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS Information About Your Designated Accounts. You authorize us to obtain any information deemed necessary to process your request for access to EZ Money Manager Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:  Where it is necessary for completing or documenting transactions or resolving errors involving transactions.  In order to verify the existence and condition of your designated account(s).  In order to comply with orders or subpoenas of government agencies or courts.  If you give us written permissionPRE-AUTHORIZED PAYMENTS. OUR BUSINESS DAYS Our business days are Monday through Saturday, other than legal banking holidaysYou may not use Online Banking to enter into pre-authorized payment arrangements. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS AGREEMENTS. Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the membership agreement, deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time, in the correct amount, and we have agreed to perform it, with certain exceptions, we will be liable for your losses or damages. This agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:  • If we have terminated this Agreement.  • If through no fault of ours, you do not have enough money in your account(s) to make the transfer.  • If your loan(s) at the credit union are past due.  • A legal order directs us to prohibit withdrawals from the account(s).  • The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.  • If circumstances beyond our control such as but not limited to, computer, telephone or electrical failure, acts of nature, fire, flood or other such circumstances, or persons beyond our control prevent, delay, intercept or alter the transaction, despite reasonable precautions that we have taken.  • If your account is closed, frozen or funds are uncollected.  • If you, or anyone authorized by you, commits any fraud or violates any law or regulation.  • If the transfer would cause your balance to become negative.  • If any part of EZ Money Manager Online Banking is not working properly and you knew about the problem when you started the transactions.  • There may be other exceptions as provided by applicable law. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS You authorize us to obtain any information deemed necessary to process your request for access to EZ Money Manager Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:  • Where it is necessary for completing or documenting transactions or resolving errors involving transactions.  • In order to verify the existence and condition of your designated account(s).  • In order to comply with orders or subpoenas of government agencies or courts.  • If you give us written permission. OUR BUSINESS DAYS Our business days are Monday through Saturday, other than legal banking holidays. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.