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. Our sole responsibility for an error in a transfer will be to correct the error. However, there are some exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have adequate funds in your account to complete a transaction, your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicable. • If you used the wrong access code, used an access code or Debit Card in an incorrect manner, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and xxxx payment transactions. • If the Debit Card has expired or is damaged and cannot be used. • 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 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 the error was caused by a system of any participating ATM network, or 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 the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There are other exceptions as established by the Credit Union 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 account losses or damages. Our sole responsibility for an error in a transfer will be to correct the error. However, there are some exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transactionmake the transfer, your account is dormant, your account is closed, or the transaction amount transfer would exceed your credit go over the limit on your line of credit, if applicable. • If you used the wrong access code, used an access security code or Debit Card in an incorrect manner, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and xxxx payment transactions. • If or if the Debit Card has expired or is damaged and cannot be used. • If the automated teller machine (ATM) 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 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 the error was caused by a system of any participating ATM network, or 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 the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There 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 xxxx 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 from time to timeabout 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 in a transfer will be to correct the error. However, there are some exceptions. We will not be liable for instanceliable: • If, through no fault of ours, you do not have adequate sufficient available funds in your account to complete a transactionmake the transfer, your account is closed, inactive or the transaction amount transfer would exceed your go over the credit limit on your line of credit, if applicable. • If you used the wrong access codeATM PIN, Telephone Banking PIN or you used an access code ATM PIN or Debit Card Telephone Banking PIN or card in an incorrect manner, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and xxxx payment transactions. • If the Debit Card card has expired or is damaged and cannot be used. • If the automated teller machine (ATM) ATM where you are making the transfer transaction does not have enough cash or cash. • If the ATM was not working properly and you knew about the problem when you started the 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 transfertransfer or bill payment. • If the error was caused by accounts to which you request a system of any participating ATM networkbill payment transfer to be made have been closed or the vendor will not accept such payments. • If you have bill payment services, or a system beyond the Credit Union’s control such as a telecommunications systemUnion can only confirm the amount, an Internet service provider, any computer virus or problems related to software not provided the participating merchant and date of the bill payment transfer made by the Credit Union. • If your computer fails For any other error or malfunctions or question you have involving the phone lines or billing statement of the participating merchant, you must contact the merchant directly. The Credit Union computer system was is not properly working and responsible for investigating such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There are other exceptions as established by the Credit Union from time to timeerrors.

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 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 or incidental damages. However, there are some exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transactionmake the transfer, your account is closed, or the transaction amount transfer would exceed your go over the credit limit on your line of credit, if applicable. , or if the funds in your account are subject to an administrative hold, legal pro- cess or other claim • If you used the wrong access code, used an access code or Debit Card in an incorrect manner, Password or you have not properly followed fol- lowed any applicable computer, mobile device or Credit Union user instructions in- structions for making transfer and xxxx payment transactions. • If your computer or mobile device fails or malfunctions or the Debit Card has expired or is damaged Mobile Banking services were not properly working and cannot be used. • If the automated teller machine (ATM) where you are making the transfer does not such problem should have enough cash or was not working properly and you knew about the problem been apparent when you started the attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication tele- communication outages, postal strikes, equipment or power failure) prevent making the transaction. • If In the funds in your account are subject to an administrative holdevent of any failure or interruption of such services or any part thereof, legal process resulting from the act or omission of any third party, or from any other claimcause not reasonably within the control of the Credit Union. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfertransfer or xxxx payment. • If the error was caused by a system of any participating ATM network, or a system beyond the Credit Union’s control such there are other exceptions as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided established by the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There are other exceptions as established If the error was caused by a system beyond the Credit Union from time Union’s control such as a telecommunications system, an Internet ser- vice provider, any computer virus or problems related to timesoft- xxxx not provided by 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 accord- ing to our agreement with you, we will may be liable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the errordamage. However, there are some exceptions. We we will not be liable for instancedirect or consequential damages in the following events: • If, through no fault of ours, you do there is not have adequate enough money in your accounts to complete the transaction, if any funds in your account accounts necessary to complete a transaction, your account is closedthe transaction are held as uncollected funds or pursuant to our Funds Availability Policy, or if the transaction amount would exceed involves a loan request exceeding your credit limit on your line of credit, if applicable. limit; • If you used the wrong access code, used an access code your Card or Debit Card PIN in an incorrect manner, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and xxxx payment transactions. ; • If the Debit Card has expired or is damaged and cannot be used. • If the automated teller machine (ATM) ATM where you are making the transfer does not have enough cash or cash; • If the ATM was not working properly and you knew about the problem when you started the transaction. ; • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. ; • If the money in your account is subject to legal process or other claim; • If funds in your account are subject to an administrative hold, legal process pledged as collateral or other claim. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process frozen because of a transfer. delinquent loan; • If the error was caused by a system of any participating ATM network, or a system beyond ; • If the Credit Union’s control such electronic transfer is not completed as a telecommunications systemresult of your willful or negligent use of your Card, an Internet service provider, PIN/Password or any computer virus or problems related to software not provided by the Credit Union. EFT facility for making such transfers; • If your the telephone or computer fails equipment you use to conduct audio response or malfunctions electronic/ PC transactions is not working properly and you know or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent known about the breakdown when you attempted such started the transaction. ; • If, through no fault of ours, a xxxx 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. • There are Any other exceptions as established by the Credit Union Union. ILLEGAL TRANSACTIONS PROHIBITED You agree that you will not use your accounts, card or any of our electronic services for any trans- action that is illegal under applicable federal, state or local law. VISA FOREIGN TRANSACTIONS Purchases and cash withdrawals made in foreign countries and foreign currencies will be debited from your account in the operating regulations established by VISA International. Currently the currency conversion rate used to determine the transaction amount in U.S. dollars is generally either a government-mandated rate, or the wholesale rate, in effect the day before the transac- tion processing date, increased by one percentage point. The currency conversion rate used on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. STOP PAYMENT RIGHTS: If you have arranged in advance to make regular EFTs out of your account(s) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to time(3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of oral notification. If we do not receive the written confirma- tion, the oral stop payment order shall cease to be binding fourteen (14) days after it is made.

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. HoweverYou agree that neither we nor the service providers shall be responsible for any property damage or loss, there are some exceptionswhether caused by the equipment, software, Credit Union, or by online browser providers, or by internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. We 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, Credit Union Digital 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 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 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 instancethe following: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transaction, make the transfer or your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicableinactive. • If you used the wrong access code, used an access code or Debit Card in an incorrect manner, password or you have not properly followed any applicable computercomputer or other device, or Credit Union user instructions for making transfer and xxxx payment transactions. • If your computer or other device fails or malfunctions or the Debit Card has expired phone lines or is damaged and cannot be used. • If the automated teller machine (ATM) where you are making the transfer does not have enough cash or Credit Union Digital Banking system was not properly working properly and you knew about the such problem should have been apparent when you started the attempted such transaction. • If circumstances beyond our your control (such as fire, flood, telecommunication outages, postal outages or 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 your account is frozen because of a delinquent loan. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • 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 of any participating ATM network, or a system beyond the Credit Union’s 's control such as a telecommunications system, an Internet internet service provider, any computer virus virus/malware or problems related to software not provided by the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There there are other exceptions as established by the Credit Union from time to timeUnion.

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. HoweverYou agree that neither we nor the service providers shall be responsible for any property damage or loss, there are some exceptionswhether caused by the equipment, software, Credit Union, or by online browser providers, or by internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. We 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, CMCU Digital 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 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 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 instancethe following: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transaction, make the transfer or your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicableinactive. • If you used the wrong access code, used an access code or Debit Card in an incorrect manner, password or you have not properly followed any applicable computercomputer or other device, or Credit Union user instructions for making transfer and xxxx payment transactions. • If your computer or other device fails or malfunctions or the Debit Card has expired phone lines or is damaged and cannot be used. • If the automated teller machine (ATM) where you are making the transfer does not have enough cash or CMCU Digital Banking system was not properly working properly and you knew about the such problem should have been apparent when you started the attempted such transaction. • If circumstances beyond our your control (such as fire, flood, telecommunication outages, postal outages or 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 your account is frozen because of a delinquent loan. • If you have not given the Credit Union complete, correct and current instructions so the Credit Union can process a transfer. • 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 of any participating ATM network, or a system beyond the Credit Union’s 's control such as a telecommunications system, an Internet internet service provider, any computer virus virus/malware or problems related to software not provided by the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There there are other exceptions as established by the Credit Union from time to timeUnion.

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. Our sole responsibility for an error in a transfer will be to correct the error. However, there are some exceptions. We will not be liable for instanceyour losses or damages, including for direct or consequential damages, in the following events: • If, through no fault of ours, you do not have adequate the available balance in your accounts is insufficient to complete the transaction, if any funds in your account accounts necessary to complete a transaction, your account is closedthe transaction are held as uncollected funds pursuant to our Funds Availability Policy Disclosure, or if the transaction amount would exceed involves a loan request exceeding your credit limit on your line of credit, if applicablelimit. • If you used the wrong access code, used an your card or access code or Debit Card in an incorrect manner, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and xxxx payment transactions. • If the Debit Card has expired or is damaged and cannot be used. • If the automated teller machine (ATM) ATM where you are making the transfer does not have enough cash or cash. • If the ATM was not working properly and you knew about the problem when you started the 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 money in your account are is 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 funds in your account are pledged as collateral or frozen because of a transferdelinquent loan. • 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 a system beyond any EFT facility for making such transfers. • If the Credit Union’s control such as a telecommunications systemtelephone or computer equipment you use to conduct iTalk, an Internet service provideronline/PC, any computer virus or problems related to software mobile banking transactions is not provided working properly and you know or should have known about the breakdown when you started the transaction. • If you have bill payment services, we can only confirm the amount, the participating merchant, and date of the bill payment transfer made by the Credit Union. • If your computer fails For any other error or malfunctions or question you have involving the phone lines or Credit Union computer system was billing statement of the participating merchant, you must contact the merchant directly. We are not properly working and responsible for investigating such problem should have been apparent when you attempted such transactionerrors. • If, through no fault of ours, a xxxx 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. • There are Any other exceptions as established by the Credit Union from time to timeUnion.

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. However, there are some exceptions. We will not be liable for instance: •  If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transaction, your account is closed, make the transfer or the transaction amount transfer would exceed your go over the credit limit on your line of credit, if applicable. •  If you used the wrong access code, used an access code or Debit Card in an incorrect manner, or you have not properly followed any applicable computer, Internet or Credit Union user instructions for making transfer and xxxx payment transactions. •  If the Debit Card has expired or is damaged and cannot be used. •  If the automated teller machine (ATM) 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 TellerPhone or Online Banking services 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 outages or 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 the error was caused by a system of any participating ATM network, or 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 the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. •  If, through no fault of oursthe Credit Union, a xxxx 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 allowed for a payment delivery was inaccurateinadequate; or the payee failed to process a the payment correctly, correctly or in a timely manner, manner and a fee, penalty, penalty or interest is assessed against you. • There  If the error was caused by a system beyond the Credit Union’s control, such as an ATM network, telecommunications system, or Internet service provider.  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 there are other exceptions as established by the Credit Union from time to timeUnion.

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. However, there are some exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have adequate sufficient available funds in your account to complete a transactionmake the transfer, your account is closed, inactive or the transaction amount transfer would exceed your go over the credit limit on your line of credit, if applicable. • If you used the wrong access codeATM PIN, Telephone Banking PIN or you used an access code ATM PIN or Debit Card Telephone Banking PIN or card in an incorrect manner, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and xxxx payment transactions. • If the Debit Card card has expired or is damaged and cannot be used. • If the automated teller machine (ATM) ATM where you are making the transfer transaction does not have enough cash or cash. • If the ATM was not working properly and you knew about the problem when you started the 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 transfertransfer or xxxx payment. • If the error was caused by accounts to which you request a system of any participating ATM networkxxxx payment transfer to be made have been closed or the vendor will not accept such payments. • If you have xxxx payment services, or a system beyond the Credit Union’s control such as a telecommunications systemUnion can only confirm the amount, an Internet service provider, any computer virus or problems related to software not provided the participating merchant and date of the xxxx payment transfer made by the Credit Union. • If your computer fails For any other error or malfunctions or question you have involving the phone lines or billing statement of the participating merchant, you must contact the merchant directly. The Credit Union computer system was is not properly working and responsible for investigating such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There are other exceptions as established by the Credit Union from time to timeerrors.

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. HoweverYou agree that neither we nor the service providers shall be responsible for any property damage or loss, there are some exceptionswhether caused by the equipment, software, Credit Union, or by online browser providers, or by internet access providers or by online service providers, or mobile device providers or by an agent or subcontractor of any of the foregoing. We 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, Credit Union Digital 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 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 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 instancethe following: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transaction, make the transfer or your account is closed, or the transaction amount would exceed your credit limit on your line of credit, if applicableinactive. • If you used the wrong access code, used an access code or Debit Card in an incorrect manner, password or you have not properly followed any applicable computercomputer or other device, or Credit Union user instructions for making transfer and xxxx payment transactions. • If your computer or other device fails or malfunctions or the Debit Card has expired phone lines or is damaged and cannot be used. • If the automated teller machine (ATM) where you are making the transfer does not have enough cash or Credit Union Digital Banking system was not working properly working, and you knew about the such problem should have been apparent when you started the attempted such transaction. • If circumstances beyond our your control (such as fire, flood, telecommunication outages, postal outages or strikes, equipment or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process process, or other claim. • If your account is frozen because of a delinquent loan. • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfer. • 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 of any participating ATM network, or a system beyond the Credit Union’s 's control such as a telecommunications system, an Internet internet service provider, any computer virus virus/malware, or problems related to software not provided by the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There there are other exceptions as established by the Credit Union from time to timeUnion.

CREDIT UNION LIABILITY FOR FAILURE TO MAKE TRANSFERS. If 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 browser provider, or online service provider or by an agent or subcontractor for 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 or Mobile Banking service, or Internet browser or access software. In this regard, although we have taken measures to provide security for communications from you to us via Online Banking services and may have referred to such communication as “secure,” we cannot and do not complete a transfer provide any warranty or guarantee of such security. In states which do not allow the exclusion or limitation of such damages, our liability is limited 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 damagesextent permitted by applicable law. Our sole responsibility for an error in a transfer will be to correct the error. However, there are some exceptions. We The Credit Union will not be liable for instanceliable: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transactionmake the transfer, your account is closed, or the transaction amount transfer would exceed your go over the credit limit on your line of credit, if applicable. • If you used the wrong access code, code or used an access code or Debit Card in an incorrect manner, or you have not properly followed allowed any applicable computer, computer or Credit Union user instructions for making transfer and xxxx payment Online Banking transactions. • If the Debit Card has expired or is damaged and cannot be used. • If the automated teller machine (ATM) where you are making the transfer does not have enough cash cash, or was not working properly properly, and you knew about the problem when you started the transaction. • 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. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If the funds in your account are subject to an administrative hold, legal process process, or other claim. • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfertransfer or xxxx payment. • If the error was caused by a system of any participating ATM network, or a system beyond the Credit Union’s control such as a telecommunications system, an Internet service providerService Provider, any computer virus virus, or problems related to software not provided by the Credit Union. • If the ATM or POS terminal retains your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when Card in certain instances, in which event you attempted such transactionmay contact us about its replacement. • If, through no fault of ours, a xxxx 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, or in a timely manner, and a fee, penalty, or interest is assessed against you. • There If there are other exceptions as established by the Credit Union 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 and in the correct amount according to our agreement with you, we will may be liable for your losses or damages. Our sole responsibility for an error in a transfer will be to correct the error. However, there are some exceptions. We By way of example, we will not be liable if for instance: • If, through  Through no fault of oursthe Credit Union, you do not have adequate funds enough money in your Checking account or sufficient funds to complete make the transfer, and the transaction would exceed the credit limit of your overdraft account; and/or  We were unable to contact you to verify that a transaction, Bill Payment was authorized by you; and/or  You have reached your monthly transfer limit; and/or  Your account is closed, “frozen” because of a court order or the transaction amount would exceed otherwise; and/or  A legal order prohibits withdrawals from your credit limit on your line of credit, if applicable. • account; and/or  If you have used the wrong access code, used an access code or Debit Card your Password in an incorrect manner; and/or  Your Password has been reported lost, stolen, or compromised; and/or  You used the wrong Password and the transaction could not be completed; and/or  The system is unavailable due to system maintenance; and/or  You used the wrong Password, or you have not properly followed any applicable computer, or Credit Union user instructions for making transfer and xxxx payment transactions. • If the Debit Card has expired or is damaged and cannot be used. • 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 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 the ; and/or  The error was caused by a system of any participating ATM networkbeyond our control, or a system beyond the Credit Union’s control such as a telecommunications system, an your Internet service providerService Provider, any computer virus virus, or problems related to software not provided by the Credit Union. • If ; and/or  The transfer would violate another agreement between you and the Credit Union; and/or  The transfer would cause your computer fails line of credit overdraft loan or malfunctions other loan to exceed the approved limit or if you are delinquent on any loan payments; and/or  You have not given us, or another party, complete, correct, and current instructions regarding name, phone number, or account information so the phone lines or Credit Union computer system was can process a transfer, payment, or bill payment; and/or  We make a timely bill payment, but the payee does not properly credit your payment promptly after receipt; and/or  The Bill Pay Payee is not already an existing payee in the Bill Pay System (Only Applies to Mobile Banking); and/or  The payee mishandles or delays a payment sent by the service; and/or  Circumstances beyond the control of the Bill Pay Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Bill Pay Service has taken reasonable precautions to avoid those circumstances; and/or  The payment-processing center is not working properly, and such problem should you know or have been apparent when advised by the Bill Pay Service about the malfunction before you attempted such execute the transaction. • If, through no fault of ours, a xxxx 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. • and/or  There are other reasons or exceptions preventing us from processing your transaction as you instructed; and/or  There are other reasons as established by the Credit Union us from time to time. You agree to have available collected funds on deposit in the Checking account in amounts sufficient to pay for all Bill Payments requested, as well as, any other payment obligations you have to the Credit Union. The Credit Union reserves the right, without liability, to reject or reverse a Bill Payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Credit Union has not exercised its right to reverse or reject a Bill Payment, you agree to pay for such payment obligations on demand. You further agree the Credit Union, at its option, may charge any of your accounts with the Credit Union to cover such payment obligations.

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. However, there are some exceptions. We For instance, we will not be liable for instanceliable: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transactionmake the transfer, your account is closedinactive, or the transaction amount transfer would exceed your go over the credit limit on your line of credit, if applicable. ; • If you used the wrong access code, used an access code or Debit Card in an incorrect manner, Access Code or you have not properly followed any applicable computer, Mobile/ Internet Banking or Credit Union user instructions for making transfer transfers and xxxx bill payment transactions. ; • If your electronic device fails or malfunctions or any of the Debit Card has expired or is damaged Credit Union’s remote banking services were not properly working and cannot be used. • If the automated teller machine (ATM) where you are making the transfer does not such problem should have enough cash or was not working properly and you knew about the problem been apparent when you started the attempted such transaction. ; • If circumstances beyond our control (such as firefre, floodfood, telecommunication outages, postal strikes, equipment or power failure) prevent making the transaction. transfer; • If the funds in your account are subject to an administrative hold, legal process or other claim. ; • If your account is frozen because of a delinquent loan; • 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 correct, and current instructions so the Credit Union can process a transfer. make the transfer or bill payment; • If the error was caused by a system of any participating of the designated ATM networknetworks; • ATM machines may retain your card in certain instances, or a system beyond in which event you may contact the Credit Union’s control such as a telecommunications system, an Internet service provider, any computer virus Union about its replacement; or problems related to software not provided by the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There there are other exceptions as established by the Credit Union from time to timeUnion.

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 Agreement with you, we will be liable beliable 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, or incidental damages. However, there are some aresome exceptions. We will not be liable for instance: • If, through no fault of ours, you do not have adequate funds enough money in your account to complete a transactionmake the transfer, your account is closed, or the transaction amount transfer would exceed your go over the credit limit on your line of credit, if applicable, or if the funds in your account are subject to an administrative hold, legal process, or other claim. • If you used the wrong access code, used an access code or Debit Card in an incorrect manner, PIN or you have not properly followed any applicable computer, computer or Credit Union user instructions for making transfer and and/or xxxx payment transactions. • If your computer or mobile device fails or malfunctions or the Debit Card has expired Mobile Banking or is damaged Online Banking services were not properly working, and cannot be used. • If the automated teller machine (ATM) where you are making the transfer does not such problem should have enough cash or was not working properly and you knew about the problem been apparent when you started the attempted such transaction. • If circumstances beyond our control (such as fire, flood, telecommunication outages, postal strikes, equipment equipment, or power failure) prevent making the transaction. • If In the funds in your account are subject to an administrative holdevent of any failure or interruption of such services or any part thereof, legal process resulting from the act or omission of any third party, or from any other claimcause not reasonably within the control of the Credit Union. • If you have not given the Credit Union complete, correct correct, and current instructions so the Credit Union can process a transfertransfer or xxxx payment. • If the error was caused by a system of any participating ATM network, or a system beyond the Credit Union’s control such there are other exceptions as a telecommunications system, an Internet service provider, any computer virus or problems related to software not provided established by the Credit Union. • If your computer fails or malfunctions or the phone lines or Credit Union computer system was not properly working and such problem should have been apparent when you attempted such transaction. • If, through no fault of ours, a xxxx 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. • There are other exceptions The error was caused by a system beyond the Credit Union’s control such as established a telecommunications system, an Internet service provider, any computer virus, or problems related to software not provided by the Credit Union from time to timeUnion.