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 account losses or damages. However, there are some exceptions. We will not be liable for instance: If, through no fault of ours, you do not have enough money in your account to make the transfer, your account is dormant, your account is closed, or the transfer would go over the limit on your line of credit. If you used the wrong security code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer or if the Card has expired or is damaged and cannot be used. If the 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 the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process or other claim. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • If, through no fault of ours, a 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. • 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 accounts to which you request a ▇▇▇▇ payment transfer to be made have been closed or the vendor will not accept such payments. • If the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. 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 Account on time or in the correct amount according to our agreement with you, we will may be liable for your account losses or damages. However, there are some exceptions. We will not be liable for instance: · If, through no fault of ours, you do not have enough money in the form of collected funds in your account Account to make the transfer, your account is dormant, your account is closed, or . · If the transfer would go over the credit limit on of your line of creditcredit loan Account. If you used the wrong security code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer or if the Card has expired or is damaged and cannot be used. · If the ATM terminal where you are making the transfer does not have enough cashcash or is not normally equipped to perform the service you requested. · If the ATM terminal, telephone or was computer equipment you use to conduct ATM, audio or Internet banking transactions is not working properly and you knew or should have known about the problem breakdown when you started the transactiontransfer. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • · If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transactiontransfer, despite reasonable precautions that we have taken. • · If the Credit Union fails to receive necessary transfer data or the data it receives is erroneous or incomplete. · If the Credit Union has received a report that your ATM card or VISA Debit Card has been lost or stolen or if the Credit Union has reason to suspect there is unauthorized use of your ATM card or VISA Debit Card. · If your funds in your account are subject to an administrative hold, legal process or other claim. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a encumbrance restricting such transfer. • If, through no fault · If funds in your Account are pledged as collateral or frozen because of ours, a 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 youdelinquent loan. • 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 accounts to which you request a ▇▇▇▇ payment transfer to be made have been closed or the vendor will not accept such payments. • · If the error was caused by a system of any participating ATM network. · If the electronic transfer is not completed as a result of your willful or negligent use of your Card, access code, or any EFT facility for making such transfers. If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the designated ATM or POS networks . • If there are other exceptions as established bill payment transfer made by the Credit Union. The ATM machine For any other error or question you have involving the billing statement of the participating merchant, you must contact the merchant directly. We are not responsible for investigating such errors. · There may retain be other exceptions stated in our agreement with you or as provided by applicable law. Stop Payment Rights - If you have told us in advance to make regular electronic fund transfers out of your Card Account, you can stop any of these payments. Call or write in certain instancestime for us to receive your request three business days or more before your payment is scheduled to be made. If you call, we also require you send us a written request 14 days after the call. We will charge you the current fee in which event effect for each stop payment three-business days or more before your transfer is scheduled, and if we do not do so, we will be liable for your losses and damages. If any regular pre-authorized electronic fund transfer payment should vary in amount, we or the person you are going to pay is required to tell you (10 days before each payment), when it will be made and how much it will be. However, you may contact choose to receive this notice only when a payment differs by more than a certain amount or when the Credit Union about its replacementamount falls outside certain limits you set.

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 account 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: If, through exceptions 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 dormant, your account is closed, transfer or the transfer would go over the credit limit on your overdraft line of credit. If you credit source, if applicable. b. You used the wrong security access code or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer or if the and bill payment transactions. c. The Card has expired or expired, is damaged and cannot be used. If the ATM , or because your Card or PIN has been reported as lost or stolen. d. The automated teller machine (ATM) where you are making the transfer does not have enough cash, cash or was not working properly and you knew about the problem when you started the transaction. • If the phone lines . e. Your computer fails or Credit Union computer malfunctions or online banking services were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances . f. Circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, and equipment or power failure) prevent making the transaction. • If the . g. The funds in your account are subject to an administrative hold, legal process or other claim. • If you . h. You have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • Iftransfer or bill payment. i. There are other exceptions as established by the Credit Union. j. The ATM or POS terminal may retain your Card in certain instances, through in which event you may contact the Credit Union about its replacement. k. 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. • If the . l. The error was caused by a system beyond the Credit Union’s '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 accounts to which you request a ▇▇▇▇ payment transfer to be made have been closed or the vendor will not accept such payments. • If the error was caused by a system of any of the designated ATM or POS networks . • If there are other exceptions as established by the Credit Union. 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 account losses or damages. However, there are some exceptions. We will not be liable for instanceliable: • If, through no fault of ours, you do not have enough money sufficient available funds in your account to make the transfer, your account is dormant, your account is closed, inactive or the transfer would go over the credit limit on your line of credit. • If you used the wrong security code ATM PIN, Telephone Banking PIN or you have not properly followed any applicable computer, used an ATM PIN or Credit Union user instructions for making transfer Telephone Banking PIN or if card in an incorrect manner. • If the Card card has expired or is damaged and cannot be used. • If the ATM where you are making the transfer transaction does not have enough cash, or . • If the ATM was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment flood or power failure) prevent making the transaction. • If the funds money in your account are is subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If there are other exceptions as established by the Credit Union. • The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. • If the error was caused by a system beyond the Credit Union’s control such as your Internet service provider. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process make a transfer. • If, through no fault of ours, a 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. • 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 Unionbill payment. • If the accounts to which you request a ▇▇▇▇ bill payment transfer to be made have been closed or the vendor will not accept such payments. • If you have bill payment services, the error was caused by a system of any Credit Union can only confirm the amount, the participating merchant and date of the designated ATM or POS networks . • If there are other exceptions as established bill payment transfer made by the Credit Union. The ATM machine may retain your Card in certain instancesFor any other error or question you have involving the billing statement of the participating merchant, in which event you may must contact the merchant directly. The Credit Union about its replacementis not responsible for investigating such errors.

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 for instance: • If, through no fault of ours, you do not have enough money sufficient available funds in your account to make the transfer, your account is dormant, your account is closed, inactive or the transfer would go over the credit limit on your line of credit. • If you used the wrong security code ATM PIN, Telephone Banking PIN or you have not properly followed any applicable computer, used an ATM PIN or Credit Union user instructions for making transfer Telephone Banking PIN or if card in an incorrect manner. • If the Card card has expired or is damaged and cannot be used. • If the ATM where you are making the transfer transaction does not have enough cash, or . • If the ATM was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment flood or power failure) prevent making the transaction. • If the funds money in your account are is subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If there are other exceptions as established by the Credit Union. • The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. • If the error was caused by a system beyond the Credit Union’s control such as your internet service provider. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process make a transfer. • If, through no fault of ours, a 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. • 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 Unionbill payment. • If the accounts to which you request a ▇▇▇▇ bill payment transfer to be made have been closed or the vendor will not accept such payments. • If you have bill payment services, the error was caused by a system of any Credit Union can only confirm the amount, the participating merchant and date of the designated ATM or POS networks . • If there are other exceptions as established bill payment transfer made by the Credit Union. The ATM machine may retain your Card in certain instancesFor any other error or question you have involving the billing statement of the participating merchant, in which event you may must contact the merchant directly. The Credit Union about its replacementis not responsible for investigating such errors.

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 for instance: • If, through no fault of ours, you do not have enough money sufficient available funds in your account to make the transfer, your account is dormant, your account is closed, inactive or the transfer would go over the credit limit on your line of credit. • If you used the wrong security code ATM PIN, Telephone Banking PIN or you have not properly followed any applicable computer, used an ATM PIN or Credit Union user instructions for making transfer Telephone Banking PIN or if card in an incorrect manner. • If the Card card has expired or is damaged and cannot be used. • If the ATM where you are making the transfer transaction does not have enough cash, or . • If the ATM was not working properly and you knew about the problem when you started the transaction. • If the phone lines or Credit Union computer were not properly working and such problem should have been apparent when you attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment flood or power failure) prevent making the transaction. • If the funds money in your account are is subject to an administrative hold, legal process or other claim. • If your account is frozen because of a delinquent loan. • If there are other exceptions as established by the Credit Union. • The ATM or POS terminal may retain your card in certain instances, in which event you may contact the Credit Union about its replacement. • If the error was caused by a system beyond the Credit Union’s control such as your internet service provider. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process make a transfer. • If, through no fault of ours, a 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. • 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▇▇▇▇ payment. • If the accounts to which you request a ▇▇▇▇ payment transfer to be made have been closed or the vendor will not accept such payments. • If you have ▇▇▇▇ payment services, the error was caused by a system of any Credit Union can only confirm the amount, the participating merchant and date of the designated ATM or POS networks . • If there are other exceptions as established ▇▇▇▇ payment transfer made by the Credit Union. The ATM machine may retain your Card in certain instancesFor any other error or question you have involving the billing statement of the participating merchant, in which event you may must contact the merchant directly. The Credit Union about its replacementis not responsible for investigating such errors.