Common use of CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS Clause in Contracts

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agree- ment 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, property damage or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the 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 Banking 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 the Online Banking services and may have referred to such communication as “secured”, we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the ex- clusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: a. If through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit. b. If you used the wrong PIN or used your PIN in an incor- rect manner. c. If the account has been closed and cannot be used. d. If your computer fails or malfunctions or the PrivateLine or Online Banking system was not working properly and such problem should have been apparent when you started the transaction. e. If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. f. If the money in your account is subject to an administrative hold, legal process or other claim. g. If the error was caused by a system not within the Credit Union’s control. h. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. i. If there are other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agree- ment 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, property damage or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the 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 mainte- ▇▇▇▇▇ of the equipment, software, Online Banking services, or Internet browser or access software. In this regard, although al- though we have taken measures to provide security for communications com- munications from you to us via the Online Banking services and may have referred to such communication as “secured”, we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the ex- clusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following:the a. If through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, or the transfer would go over the credit limit on your line of credit. b. If you used the wrong PIN or used your PIN in an incor- rect incorrect manner. c. If the account has been closed and cannot be used. d. If your computer fails or malfunctions or the PrivateLine or Online Banking Bank- ing system was not working properly and such problem should have been apparent when you started the transaction. e. If circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. f. If the money in your account is subject to an administrative hold, legal process or other claim. g. If the error was caused by a system not within the Credit Union’s control. h. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. i. If there are other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agree- ment 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, property damage or bodily injuryloss, whether caused by the equipment, software, Credit Union, or by Internet online browser providers providers, or by Internet internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the 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 CMCU Digital Banking services, 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 the Online CMCU Digital Banking services and may have referred to such communication as “"secured”, ," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the ex- clusion exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: a. If : • If, through no fault of ours, you do not have enough money in your account to make the transfer, transfer or your account is inactive, or the transfer would go over the credit limit on your line of credit. b. . • If you used the wrong PIN password or used your PIN in an incor- rect manner. c. If the account has been closed and canyou have not be used. d. properly followed any applicable computer or other device, or Credit Union user instructions for making transactions. • If your computer or other device fails or malfunctions or the PrivateLine phone lines or Online CMCU Digital Banking system was not properly working properly and such problem should have been apparent when you started the attempted such transaction. e. . • If circumstances beyond our your control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. f. . • If the money funds in your account is are subject to an administrative hold, legal process or other claim. g. . • If the error was caused by your account is frozen because of a system not within the Credit Union’s control. h. delinquent loan. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. i. . • If you fail to update CMCU with current and accurate phone, address, email address or other contact information pertinent to the transaction type • If an error was caused by a system beyond the Credit Union's control such as a telecommunications system, an internet service provider, any computer virus/malware or problems related to software not provided by the Credit Union. • If there are other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agree- ment 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, property damage or bodily injuryloss, whether caused by the equipment, software, Credit Union, or by Internet online browser providers providers, or by Internet internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the 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 Credit Union Digital Banking services, 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 the Online Credit Union Digital Banking services and may have referred to such communication as “"secured”, ," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the ex- clusion exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: a. If : • If, through no fault of ours, you do not have enough money in your account to make the transfer, transfer or your account is inactive, or the transfer would go over the credit limit on your line of credit. b. . • If you used the wrong PIN password or used your PIN in an incor- rect manner. c. If the account has been closed and canyou have not be used. d. properly followed any applicable computer or other device, or Credit Union user instructions for making transactions. • If your computer or other device fails or malfunctions or the PrivateLine phone lines or Online Credit Union Digital Banking system was not working properly working, and such problem should have been apparent when you started the attempted such transaction. e. . • If circumstances beyond our your control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. f. . • If the money funds in your account is are subject to an administrative hold, legal process process, or other claim. g. . • If the error was caused by your account is frozen because of a system not within the Credit Union’s control. h. delinquent loan. • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfer. i. . • If you fail to update Credit Union with current and accurate phone, address, email address or other contact information pertinent to the transaction type • If an error was caused by a system beyond the Credit Union's control such as a telecommunications system, an internet service provider, any computer virus/malware, or problems related to software not provided by the Credit Union. • If there are other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agree- ment 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, property damage or bodily injuryloss, whether caused by the equipment, software, Credit Union, or by Internet online browser providers providers, or by Internet internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the 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 Credit Union Digital Banking services, 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 the Online Credit Union Digital Banking services and may have referred to such communication as “"secured”, ," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the ex- clusion exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: a. If : • If, through no fault of ours, you do not have enough money in your account to make the transfer, transfer or your account is inactive, or the transfer would go over the credit limit on your line of credit. b. . • If you used the wrong PIN password or used your PIN in an incor- rect manner. c. If the account has been closed and canyou have not be used. d. properly followed any applicable computer or other device, or Credit Union user instructions for making transactions. • If your computer or other device fails or malfunctions or the PrivateLine phone lines or Online Credit Union Digital Banking system was not properly working properly and such problem should have been apparent when you started the attempted such transaction. e. . • If circumstances beyond our your control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. f. . • If the money funds in your account is are subject to an administrative hold, legal process or other claim. g. . • If the error was caused by your account is frozen because of a system not within the Credit Union’s control. h. delinquent loan. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. i. . • If you fail to update Credit Union with current and accurate phone, address, email address or other contact information pertinent to the transaction type • If an error was caused by a system beyond the Credit Union's control such as a telecommunications system, an internet service provider, any computer virus/malware or problems related to software not provided by the Credit Union. • If there are other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agree- ment 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, property damage damage, or bodily injury, whether caused by the equipment, software, Credit Union, or by Internet browser providers provider, or by Internet access providers or by online service providers provider or by an agent or subcontractor of for any of the foregoing. Nor shall we or the service providers be responsible for any direct, indirect, special special, or consequential economic or other damages arising in any way out of the installation, download, use, or maintenance of the equipment, software, Online or Mobile Banking servicesservice, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via the Online Banking services and may have referred to such communication as “secured”, secure,” we cannot and do not provide any warranty or guarantee of such security. In states that which do not allow the ex- clusion exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: a. If liable: • If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactiveclosed, or the transfer would go over the credit limit on your line of credit. b. . • If you used the wrong PIN access code or used your PIN an access code in an incor- rect incorrect manner. c. , or you have not properly allowed any applicable computer or Credit Union user instructions for making Online Banking transactions. • If the account Card has been closed expired or is damaged and cannot be used. d. . • If the automated teller machine (ATM) where you are making the transfer does not have enough cash, or was not working properly, and you knew about the problem when you started the transaction. • If your computer fails or malfunctions or the PrivateLine or Online Banking system service was not properly working properly and such problem should have been apparent when you started the attempted such transaction. e. . • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment, or power failure) prevent making the transaction. f. . • If the money funds in your account is are subject to an administrative hold, legal process process, or other claim. g. If the error was caused by a system not within the Credit Union’s control. h. . • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfer. i. transfer or ▇▇▇▇ payment. • If the error was caused by a system beyond the Credit Union’s control such as a telecommunications system, an Internet Service Provider, any computer virus, or problems related to software not provided by Credit Union. • If the ATM or POS terminal retains your Card in certain instances, in which event you may contact us about its replacement. • If, through no fault of ours, a ▇▇▇▇ payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number, or otherwise; the time you allow for payment delivery was insufficient; 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 there are other exceptions as established by the Credit UnionUnion from time to time.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your account on time or in the correct amount according to our agree- ment 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, property damage or bodily injuryloss, whether caused by the equipment, software, Credit Union, or by Internet Online browser providers such as Microsoft Internet Explorer or Firefox, or by Internet access providers or by online service providers or by an agent or subcontractor of any of the foregoing. Nor shall we or the 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 Banking services, Internet Account 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 the Online Banking Internet Account Access services and may have referred to such communication as “"secured”, ," we cannot and do not provide any warranty or guarantee of such security. In states that do not allow the ex- clusion exclusion or limitation of such damages, our liability is limited to the extent permitted by applicable law. The Credit Union will not be liable for the following: a. If If, through no fault of ours, you do not have enough money in your account to make the transfer, transfer or your account is inactive, or the transfer would go over the credit limit on your line of credit. b. If you used the wrong PIN or used your PIN in an incor- rect manneryou have not properly followed any applicable computer, or Credit Union user instructions for making transfer and bill payment transactions. c. If the account has been closed and cannot be used. d. If your computer fails or malfunctions or the PrivateLine phone lines or Online Banking the Internet Account Access system was not properly working properly and such problem should have been apparent when you started the attempted such transaction. e. d. If circumstances beyond our your control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. f. e. If the money funds in your account is are subject to an administrative hold, legal process or other claim. g. f. If the error was caused by your account is frozen because of a system not within the Credit Union’s controldelinquent loan. h. g. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. h. If, through no fault of ours, a bill payment or funds transfer transaction does not reach a particular payee due to changes in the payee address, account number or otherwise; the time you allow 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. The Credit Union can only confirm the amount, the participating merchant, and the date of the bill payment transfer made by the Credit Union. For any other error or question you have involving billing statement of the participating merchant, you must contact the merchant directly. The Credit Union is not responsible for investigating such errors. i. If the error was caused by a system beyond the Credit Union's control such as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided by Credit Union. j. If there are other exceptions as established by the Credit Union.