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 agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance, if: a. 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 limit on your line of credit or Courtesy Pay. b. You used the wrong PIN or you used a PIN or Card in an incorrect manner. c. The Card has expired or is damaged and cannot be used. d. The ATM where you are making the transfer does not have enough cash; e. The ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances beyond our control (such as fire, flood, or power failure) prevent the transaction. g. The money in your account is subject to a legal process or other claim. h. Your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event you may contact the Credit Union about its replacement. k. 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; the payee failed to process a payment correctly or in a timely manner; and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If the error was caused by a system beyond the Credit Union’s control, such as a telecommunications system, an Internet service provider, or any virus or problems related to software not provided by the Credit Union. n. 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 agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error in a transaction will be to correct the error and in no case will we be liable for any indirect, special, incidental or consequential damages. However, there are some exceptions. We will not be liable, liable for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit or Courtesy Paycredit, if applicable. b. You If you used the wrong PIN access code or you used a PIN have not properly followed any applicable computer, or Card in an incorrect mannercredit union user instructions for making transfer transactions. c. The If the Card has expired or is damaged and cannot be used. d. The ATM If the automated teller machine (ATM) where you are making the transfer does not have enough cash; e. The ATM cash or POS terminal was not working properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the Phone Banking, Internet Banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. The money If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a delinquent loantransfer or bill payment. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains or POS terminal may retain your Cardcard in certain instances, in which event you may contact the Credit Union about its replacement. k. j. 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. k. If the error was caused by a system beyond the Credit Union’s control, control such as a telecommunications system, an Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. l. 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 agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error in a transaction will be to correct the error and in no case will we be liable for any indirect, special, incidental or consequential damages. However, there are some exceptions. We will not be liable, liable for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit or Courtesy Paycredit, if applicable. b. You If you used the wrong PIN access code or you used a PIN have not properly followed any applicable computer, or Card in an incorrect mannercredit union user instructions for making transfer transactions. c. The If the Card has expired or is damaged and cannot be used. d. The ATM If the automated teller machine (ATM) where you are making the transfer does not have enough cash; e. The ATM cash or POS terminal was not working properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the Phone Banking, Internet Banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. The money If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a delinquent loantransfer or ▇▇▇▇ payment. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains or POS terminal may retain your Cardcard in certain instances, in which event you may contact the Credit Union about its replacement. k. j. 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. k. If the error was caused by a system beyond the Credit Union’s control, control such as a telecommunications system, an Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. l. If there are other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If For consumer accounts, if we do not complete a transfer to or from your account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your direct losses or damages. Our sole responsibility for an error in a transfer will be to correct the error, and in no case will we be liable for any indirect, special or incidental damages. However, there are some exceptions. We For consumer and business accounts, we will not be liable, liable for instance, if: a. Through 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 credit, if applicable, or Courtesy Payif the funds in your account are subject to an administrative hold, legal process or other claim, or your account is closed. b. You If you used the wrong PIN or you used a PIN have not properly followed any applicable computer or Card in an incorrect mannerCredit Union user instructions for making transfer and/or bill payment transactions. c. The Card has expired If your computer or is damaged mobile device fails or malfunctions or the Mobile Banking, Online Banking, or any of the other Digital Services were not properly working and cannot be usedsuch problem should have been apparent when you attempted such transaction. d. The ATM where you are making the transfer does not have enough cash; e. The ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. e. In the event of any failure or interruption of such services or any part thereof, resulting from the act or omission of any third party, or from any other cause not reasonably within the control of the Credit Union. f. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer or bill payment. g. The money in your account is subject to a legal process or If there are other claimexceptions as established by the Credit Union. h. Your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event you may contact the Credit Union about its replacement. k. 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against youagainstyou. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If the i. The error was caused by a system beyond the Credit Union’s control, control such as a telecommunications system, an Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. If there are j. We have reason to believe that a payment or other exceptions as established transaction request may not be authorized by the Credit Unionyou or any third party whose authorization we believe is necessary.

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 agreement with you, we will be liable for your losses or damages. Our sole responsibility is for an error and in no case will we be liable for any indirect, special, or incidental damages. However, there are some exceptions. We will not be liable, for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit or Courtesy Paycredit, if applicable. b. You If you used the wrong PIN password or you used a PIN have not properly followed any applicable computer, or Card in an incorrect mannerUnitus user instructions for making transfer and ▇▇▇▇ Payment transactions. c. The Card has expired If your computer fails or is damaged malfunctions or the Telephone Express Teller, Mobile Banking, or Online Banking Services (uOnline) were not properly working and cannot be usedsuch problem should have been apparent when you attempted such transaction. d. The ATM where you are making the transfer does not have enough cash; e. The ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. The money e. If the funds in your account is are subject to a an administrative hold, legal process process, or other claim. h. Your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Cardf. If you have not given Unitus complete, in which event you may contact correct, and current instructions so the Credit Union about its replacementcan process a transfer or ▇▇▇▇ Payment. k. g. If there are other exceptions as established by Unitus. h. If, through no fault of ours, a bill payment ▇▇▇▇ 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 correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. i. If the error was caused by a system beyond the Credit Union’s control, control such as a telecommunications system, an Internet service providerISP, or any virus computer virus, or problems related to software not provided by the Credit UnionUnitus. n. 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 agreement with you, we will be liable for your account losses or damages. However, there are some exceptions. We will not be liable, liable for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, you account is dormant, your account is inactiveclosed, or the transfer would go over the limit on your line of credit or Courtesy Paycredit. b. You If you used the wrong PIN security code or you used a PIN have not properly followed any applicable computer, or Card in an incorrect manner. c. The Credit Union user instructions for making transfer and ▇▇▇▇ payment transactions or if the Card has expired or is damaged and cannot be used. d. The c. If the ATM where you are making the transfer does not have enough cash; e. The ATM , or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances d. If your computer fails or malfunctions or the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such trans action. e. If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. The money f. If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event g. If you may contact have not given the Credit Union about its replacementcomplete, correct and current instructions so the Credit Union can process a transfer. k. 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. i. If the error was caused by a system beyond the Credit Union’s control, control such as a telecommunications telecommuni- cations system, an Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. j. If the accounts to which you request a ▇▇▇▇ payment transfer to be made have been closed or the vendor will not accept such payments. k. If you have ▇▇▇▇ payment services, the Credit Union can only confirm the amount, the participating merchant, and date of the ▇▇▇▇ payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. The Credit Union is not responsible for investigating such errors. l. If the error was caused by a system of any of the designated ATM or POS networks, or the ▇▇▇▇ Paying processor. m. If there are other exceptions as established by the Credit Union. n. The ATM machine may retain your Card in certain instances, in which event you may contact the Credit Union about its replacement.

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 agreement with you, we will be liable for your losses or damages. Our sole responsibility for an error and in no case will we be liable for any indirect, special or incidental damages. However, there are some exceptions. We will not be liable, liable for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit or Courtesy Paycredit, if applicable. b. You If you used the wrong PIN access code or you used a PIN have not properly followed any applicable computer, or Card in an incorrect mannerCredit Union user instructions for making transfer and ▇▇▇▇ payment transactions. c. The If the Card has expired or is damaged and cannot be used. d. The ATM If the automated teller machine (ATM) where you are making the transfer does not have enough cash; e. The ATM cash or POS terminal was not working properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the automated telephone access or online banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. The money If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a delinquent loantransfer or ▇▇▇▇ payment. i. The error was caused If there are other exceptions as established by a system of any of the designated ATM networksCredit Union. j. The ATM machine retains or POS terminal may retain your Cardcard in certain instances, in which event you may contact the Credit Union about its replacement. k. 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If the error was caused by a system beyond the Credit Union’s control, control such as a telecommunications system, an Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. If there are other exceptions as established by the Credit Union.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we WECU is responsible only for exercising ordinary care in making payment upon your authorization and for mailing or sending a payment to the designated payee. We are not liable in any way for damage you incur if you do not complete a transfer to or from have sufficient funds in your account to make the payment on the processing date, if the estimate of time to allow for delivery to the payee is inaccurate, or due to delays in mail delivery, changes of merchant address or account number, the correct amount according failure of any merchant to our agreement with youaccount correctly for or credit the payment in a timely manner, we will be liable for your losses or damages. Howeveror i. If, there are some exceptions. We will not be liable, for instance, if: a. Through through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit or Courtesy Paycredit. b. You ii. If you used the wrong PIN access code or you used a PIN an ATM, access code or Card card in an incorrect manner. c. The Card has expired or is damaged and cannot be used. d. The iii. If the ATM where you are making the transfer does not have enough cash;. e. The iv. If the ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances v. If circumstances beyond our control (such as telecommunication, fire, flood, flood or power failure) prevent the transaction. g. The vi. If the money in your account is subject to a legal process or other claim. h. Your vii. If your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event you may contact the Credit Union about its replacement. k. 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; the payee failed to process a payment correctly or in a timely manner; and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. viii. If the error was caused by a system beyond of the Credit Union’s controldesignated ATM networks, such as a telecommunications system, an Internet service providerprovider or ▇▇▇▇ payment processor, or any virus or problems related to software not provided by the Credit Unionother participating network. n. ix. If there are other exceptions as established by WECU. x. The ATM or POS terminal may retain your card in certain instances, in which event you may contact WECU about its replacement. xi. If your computer fails or malfunctions or the Credit UnionEFT services were not properly working and such problems should have been apparent when you attempted such transaction. xii. If you have not given WECU complete, correct, and current instructions so WECU can process a transfer or ▇▇▇▇ payment.

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 agreement with you, we will may be liable for your losses or damages. HoweverOur sole responsibility for an error in a transfer will be to correct the error and in no case will we be liable for any indirect, there are some exceptionsspecial incidental or consequential damages. We will not be liable, liable for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit credit, or Courtesy Payyour account is inactive. b. You If you used the wrong PIN access code or you used a PIN have not properly followed any applicable computer, Internet or Card in an incorrect mannerCredit Union instructions for making transfer or ▇▇▇▇ payment transactions. c. The If your Card has expired or is damaged and cannot be usedused or you used your access code, PIN, or Card in an incorrect manner. d. The ATM If the automated teller machine (ATM) where you are making the transfer does not have enough cash; e. The ATM cash or POS terminal was not working properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the Telephone Teller or Online Business Banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. g. The money If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event If you may contact have not given the Credit Union about its replacement. k. Ifcomplete, correct and current instructions so the Credit Union can process a transfer or ▇▇▇▇ payment, or 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a the payment correctly correctly, or in a timely manner; , and a fee, penalty, penalty or interest is assessed against you. l. i. If you have not given there are other exceptions as established by the Credit Union complete, correct, and current instructions for us to process a transfer or bill paymentUnion. m. j. If the error was caused by a system beyond the Credit Union’s control, such as a an ATM network, telecommunications system, an or Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. If there are other exceptions as established by k. The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit UnionUnion about its replacement.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If For consumer accounts, if we do not complete a transfer to or from your account on time or in the correct amount according to our agreement Agreement with you, we will be liable for your direct losses or damages. Our sole responsibility for an error in a transfer will be to correct the error, and in no case will we be liable for any indirect, special or incidental damages. However, there are some exceptions. We For consumer and business accounts, we will not be liable, liable for instance, if: a. Through 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 credit, if applicable, or Courtesy Pay.if the funds in your account are subject to an administrative hold, legal process or other claim, or your account is closed.‌ b. You If you used the wrong PIN or you used a PIN have not properly followed any applicable computer or Card in an incorrect mannerCredit Union user instructions for making transfer and/or ▇▇▇▇ payment transactions. c. The Card has expired If your computer or is damaged mobile device fails or malfunctions or the Mobile Banking,Online Banking, or any of the other Digital Services were not properly working and cannot be usedsuch problem should have been apparent when you attempted such transaction. d. The ATM where you are making the transfer does not have enough cash; e. The ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. e. In the event of any failure or interruption of such services or any part thereof, resulting from the act or omission of any third party, or from any other cause not reasonably within the control of the Credit Union. f. If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer or ▇▇▇▇ payment. g. The money in your account is subject to a legal process or If there are other claimexceptions as established by the Credit Union. h. Your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event you may contact the Credit Union about its replacement. k. 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If i. the error was caused by a system beyond the Credit Union’s control, control such as a telecommunications system, an Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. If there are j. We have reason to believe that a payment or other exceptions as established transaction request may not be authorized by the Credit Unionyou or any third party whose authorization we believe is necessary.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we WECU is responsible only for exercising ordinary care in making payment upon your authorization and for mailing or sending a payment to the designated payee. We are not liable in any way for damage you incur if you do not complete have sufficient funds in your account to make the payment on the processing date, if the estimate of time to allow for delivery to the payee is inaccurate, or due to delays in mail delivery, changes of merchant address or account number, the failure of any merchant to account correctly for or credit the payment in a timely manner, or for any other circumstances beyond WECU’s control. In no case will we automatically resubmit a payment for you after funds have become available. Our sole responsibility for an error in 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 damagesto correct the error. HoweverYou agree that neither we nor the service providers shall be i. If, there are some exceptions. We will not be liable, for instance, if: a. Through through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit or Courtesy Paycredit. b. You ii. If you used the wrong PIN access code or you used a PIN an ATM, access code or Card card in an incorrect manner. c. The Card has expired or is damaged and cannot be used. d. The iii. If the ATM where you are making the transfer does not have enough cash;. e. The iv. If the ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances v. If circumstances beyond our control (such as telecommunication, fire, flood, flood or power failure) prevent the transaction. g. The vi. If the money in your account is subject to a legal process or other claim. h. Your vii. If your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event you may contact the Credit Union about its replacement. k. 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; the payee failed to process a payment correctly or in a timely manner; and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. viii. If the error was caused by a system beyond of the Credit Union’s controldesignated ATM networks, such as a telecommunications system, an Internet service providerprovider or ▇▇▇▇ payment processor, or any virus or problems related to software not provided by the Credit Unionother participating network. n. ix. If there are other exceptions as established by WECU. x. The ATM or POS terminal may retain your card in certain instances, in which event you may contact WECU about its replacement. xi. If your computer fails or malfunctions or the Credit UnionEFT services were not properly working and such problems should have been apparent when you attempted such transaction. xii. If you have not given WECU complete, correct, and current instructions so WECU can process a transfer or ▇▇▇▇ payment.

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 agreement with youyou and the instructions you transmit, we will be liable for your actual losses or damages. HoweverOur sole responsibility for an error in a transfer will be to correct the error and in no case will we be liable for any indirect, there are some exceptionsspecial, incidental or consequential damages. We In states which do not allow the 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 instance, if: a. Through 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 or Courtesy Paycredit. b. You If you used the wrong PIN access code or you used a PIN or Card an access code in an incorrect manner, or you have not properly followed any applicable computer or Credit Union user instructions for making Online Banking transactions. c. The If the Card has expired or is damaged and cannot be used. d. The ATM If the automated teller machine (ATM) where you are making the transfer does not have enough cash; e. The ATM cash or POS terminal was not working properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the Online Banking service was not properly working, and such problem should have been apparent when you attempted such transaction. f. Circumstances If circumstances beyond our control (such as firef ire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. The money If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a delinquent loantransfer or ▇▇▇▇ payment. i. The If the error was caused by a system of beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any of computer virus, or problems related to software not provided by the designated ATM networksCredit Union. j. The If the ATM machine or POS terminal retains your CardCard in certain instances, in which event you may contact the Credit Union us about its replacement. k. 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, number or otherwise; the time you allow for payment delivery was inaccurateinsufficient; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If the error was caused by a system beyond the Credit Union’s control, such as a telecommunications system, an Internet service provider, or any virus or problems related to software not provided by the Credit Union. n. 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 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 and in no case will we be liable for any indirect, special, incidental or consequential damages. However, there are some exceptions. We will not be liable, for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit or Courtesy Paycredit. b. You If you used the wrong PIN access code, or you used a PIN or Card your access code in an incorrect manner, or you have not properly followed any applicable computer or Credit Union user instructions for making transfer and bill payment transactions. c. The Card has expired or is damaged and cannot be used. d. The If the automated teller machine (ATM where you are making the transfer transfer) does not have enough cash;. e. The d. If the ATM or POS terminal was not working properly and you knew about the problem when you started or during the transaction. e. If your computer fails or malfunctions or the Online Banking service was not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. g. The money If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a delinquent loantransfer or bill payment. i. The If the error was caused by a system of beyond the Credit Union’s control such as a telecommunications system, an Internet service provider, any of computer virus or problems related to software not provided by the designated ATM networksCredit Union. j. If there are other exceptions as established by the Credit Union from time to time. k. The ATM machine retains may retain your Cardcard in certain instances, in which event you may contact the Credit Union about its replacement. k. l. 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a the payment correctly correctly, or in a timely manner; , and a fee, penalty, penalty or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If the error was caused by a system beyond the Credit Union’s control, such as a telecommunications system, an Internet service provider, or any virus or problems related to software not provided by the Credit Union. n. 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 agreement with you, we will the Credit Union may be liable for your losses or damages. However, our sole responsibility is for our own error, and will be limited to the amount of the transaction. In no case will we are liable for any indirect, special or incidental damages. Additionally, there are some exceptions. We will not be liable, for instance, ifexceptions which include the following: a. Through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your overdraft line of credit or Courtesy Paysource, if applicable. b. You used the wrong PIN access code or you used a PIN have not properly followed any applicable computer, or Card in an incorrect mannerCredit Union user instructions for making transfer and ▇▇▇▇ payment transactions. c. The Card has expired or expired, is damaged and cannot be used, or because your Card or PIN has been reported as lost or stolen. d. The ATM automated teller machine (ATM) where you are making the transfer does not have enough cash; e. The ATM cash or POS terminal was not working properly and you knew about the problem when you started the transaction. e. Your computer fails or malfunctions or online banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, and equipment or power failure) prevent making the transaction. g. The money funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of You have not given the Credit Union complete, correct and current instructions so the Credit Union can process a delinquent loantransfer or ▇▇▇▇ payment. i. The error was caused There are other exceptions as established by a system of any of the designated ATM networksCredit Union. j. The ATM machine retains or POS terminal may retain your CardCard in certain instances, in which event you may contact the Credit Union about its replacement. k. If, through 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a payment correctly correctly, or in a timely manner; , and a fee, penalty, or interest is assessed against you. l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If the The error was caused by a system beyond the Credit Union’s control, 's control such as a telecommunications system, an Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. 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 agreement with you, we will be liable for your losses or damages. HoweverOur sole responsibility for an error in a transfer will be to correct the error and in no case will we be liable for any indirect, there are some exceptionsspecial incidental or consequential damages. We will not be liable, liable for instance, if: a. Through If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is inactive, transfer or the transfer would go over the credit limit on your line of credit credit, or Courtesy Payyour account is inactive. b. You If you used the wrong PIN access code or you used a PIN have not properly followed any applicable computer, Internet or Card in an incorrect mannerCredit Union instructions for making transfer or ▇▇▇▇ payment transactions. c. The If your Card has expired or is damaged and cannot be usedused or you used your access code, PIN, or Card in an incorrect manner. d. The ATM If the automated teller machine (ATM) where you are making the transfer does not have enough cash; e. The ATM cash or POS terminal was not working properly and you knew about the problem when you started the transaction. e. If your computer fails or malfunctions or the Telephone Teller or Home Banking services were not properly working and such problem should have been apparent when you attempted such transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages or strikes, equipment or power failure) prevent making the transaction. g. The money If the funds in your account is are subject to a an administrative hold, legal process or other claim. h. Your account is frozen because of a delinquent loan. i. The error was caused by a system of any of the designated ATM networks. j. The ATM machine retains your Card, in which event If you may contact have not given the Credit Union about its replacement. k. Ifcomplete, correct and current instructions so the Credit Union can process a transfer or ▇▇▇▇ payment, or 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, number or otherwise; the time you allow for payment delivery was inaccurate; or the payee failed to process a the payment correctly correctly, or in a timely manner; , and a fee, penalty, penalty or interest is assessed against you. l. i. If you have not given there are other exceptions as established by the Credit Union complete, correct, and current instructions for us to process a transfer or bill paymentUnion. m. j. If the error was caused by a system beyond the Credit Union’s control, such as a an ATM network, telecommunications system, an or Internet service provider, or any computer virus or problems related to software not provided by the Credit Union. n. If there are other exceptions as established by k. The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit UnionUnion about its replacement.

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 agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, liable for instance, if: a. Through If, through no fault of ours, you do not have enough money adequate funds in your account to make the transfercomplete a transaction, your account is inactiveclosed, or the transfer transaction amount would go over the exceed your credit limit on your line of credit or Courtesy Pay.credit; b. You If you used the wrong PIN access code or you used a PIN have not properly followed any applicable computer, Internet or Card in an incorrect manner.Credit Union instructions for making transfer and bill payment transactions; c. The Card has expired If your computer fails or is damaged malfunctions or if the Credit Union’s PCCU Online Banking system was not properly working and cannot be used.such problem should have been apparent when you attempted such transaction; d. The If the ATM where you are making the transfer does not operate properly, does not have enough cashcash or you use your Card improperly; e. The ATM or POS terminal was not working properly and you knew about the problem when you started the transaction. f. Circumstances If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction.; g. The money in f. If your account is subject to a legal process or other claim. h. Your account is frozen because of a delinquent loan.loan or is subject to legal process or other claim; g. If the error was caused by a system beyond the Credit Union’s control such as your Internet service provider or the telephone equipment or service you use; h. If you have not given the Credit Union complete correct and current instructions so the Credit Union can make a transfer or bill payment; i. The If the error was caused by a system of The ACCELtm Network, or any of the designated applicable ATM networks. j. network. The ATM machine retains may retain your CardCard in certain instances, in which event you may contact the Credit Union about its replacement.; k. If, through no fault of ours, j. If the accounts to which you request a bill payment transfer to be made have been closed or funds transfer transaction does the vendor will not reach a particular payee due to changes in the payee address, account number, or otherwiseaccept such payments; the time you allow for payment delivery was inaccurate; the payee failed to process a payment correctly or in a timely manner; and a fee, penalty, or interest is assessed against you.or l. If you have not given the Credit Union complete, correct, and current instructions for us to process a transfer or bill payment. m. If the error was caused by a system beyond the Credit Union’s control, such as a telecommunications system, an Internet service provider, or any virus or problems related to software not provided by the Credit Union. n. k. If there are other exceptions as established by the Credit Union; l. If you have bill payment services, the Credit Union can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. The Credit Union is not responsible for investigating such errors.