Common use of SUMMARY OF OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS Clause in Contracts

SUMMARY OF OUR LIABILITY FOR FAILURE TO MAKE TRANSFERS. If we do not complete a transfer to or from your Account on time or in correct amount according to our agreement with you, we will be liable for your losses for damages as required by Federal law. However, there are some exceptions. We will not be liable for, for instance: • If through no fault of ours, you do not have enough money in your Account to make the transfer; • If the transfer would go over the credit limit on a loan; • If your computer system was not working properly, and you knew about the breakdown when you started the transfer; • If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken; • If the funds in your Account are subject to a court order or other restriction preventing the transfer; and • There may be other exceptions stated in our agreement with you. Disclosure to 3rd Parties: We will disclose information to third parties about your Account or transfers you made: • When it is necessary to complete the transfers; • In order to verify the existence and conditions of your Account for a third party such as a credit bureau or merchant; • In order to comply with a government agency or court orders; or • If you give us written permission. Summary of Error Resolution: In case of errors and questions about your electronic transfers or payments, as soon as you can, you should: