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: o If we have terminated this Agreement. o If through no fault of ours, you do not have enough money in your account(s) to make the transfer. o A legal order directs us to prohibit withdrawals from the account(s). o The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. o If circumstances beyond our control (such as fire or flood prevent the transaction from being completed despite reasonable precautions that we have taken. o 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 has as a result refused to honor the original Password. o If your account is closed, frozen or funds are uncollected. o If you, or anyone authorized by you, commits any fraud or violates any law or regulation. o If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan. o If any part of the Online Banking is not working properly and you knew about the problem when you started the transactions. o There may be other exceptions as provided by applicable law.

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: o If we have terminated this Agreement. o If through no fault of ours, you do not have enough money in your account(s) to make the transfer. . o A legal order directs us to prohibit withdrawals from the account(s). o The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. o If circumstances beyond our control (such as fire or flood prevent the transaction from being completed despite reasonable precautions that we have taken. o 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 has as a result refused to honor the original Password. o If your account is closed, frozen or funds are uncollected. o If you, or anyone authorized by you, commits any fraud or violates any law or regulation. o If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan. o If any part of the Bank Joy Online Banking Services is not working properly and you knew about the problem when you started the transactions. o There may be other exceptions as provided by applicable law.

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: o : a. If we have terminated this Agreement. o . b. If through no fault of ours, you do not have enough money in your account(s) to make the transfer. o . c. A legal order directs us to prohibit withdrawals from the account(s). o . d. The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. o . e. If circumstances beyond our control (such as fire or flood prevent the transaction from being completed despite reasonable precautions that we have taken. o . f. 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 has as a result refused to honor the original Password. o . g. If your account is closed, frozen or funds are uncollected. o . h. If you, or anyone authorized by you, commits any fraud or violates any law or regulation. o . i. If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan. o . j. If any part of the Online Banking is not working properly and you knew about the problem when you started the transactions. o . k. There may be other exceptions as provided by applicable law.

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: o If we have terminated this Agreement. o If through no fault of ours, you do not have enough money in your account(s) to make the transfer. o A legal order directs us to prohibit withdrawals from the account(s). o The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. o If circumstances beyond our control (such as fire or flood prevent the transaction from being completed despite reasonable precautions that we have taken. o 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 has as a result refused to honor the original Password. o If your account is closed, frozen or funds are uncollected. o If you, or anyone authorized by you, commits any fraud or violates any law or regulation. o If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan. o If any part of the Online Banking Internet Teller is not working properly and you knew about the problem when you started the transactions. o There may be other exceptions as provided by applicable law.

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: o If we have terminated this Agreement. o If through no fault of ours, you do not have enough money in your account(s) to make the transfer. o A legal order directs us to prohibit withdrawals from the account(s). o The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. o If circumstances beyond our control (such as fire or flood flood) prevent the transaction from being completed despite reasonable precautions that we have taken. o 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 has we have as a result refused to honor the original Password. o If your account is closed, frozen frozen, or funds are uncollected. o If you, or anyone authorized by you, commits any fraud or violates any law or regulation. o If the transfer would cause your balance to become negative or exceed the credit limit of an established line of credit loan. o If any part of the Online Banking Virtual Branch is not working properly and you knew about the problem when you started the transactions. o There may be other exceptions as provided by applicable law.