Common use of FINANCIAL INSTITUTION’S LIABILITY Clause in Contracts

FINANCIAL INSTITUTION’S LIABILITY. 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, 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 your overdraft line. • If the automated teller machine where you are making the transfer does not have enough cash. • If the terminal or 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. • There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. (a) 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, 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 your overdraft line. • If the automated teller machine where you are making the transfer does not have enough cash. • If the terminal or 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. • There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. (a) 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, 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 your overdraft line. •  If the automated teller machine where you are making the transfer does not have enough cash. •  If the terminal or 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. •  There may be other exceptions stated in our agreement with you.. CONFIDENTIALITY We will disclose information to third parties about your account or the transfers you make:

FINANCIAL INSTITUTION’S LIABILITY. 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(1) if, through no fault of ours, you do not have enough money in your account to make the transfer. • (2) If the transfer would go over the credit limit on your overdraft line. • (3) If the automated teller machine where you are making the transfer does not have enough cash. • (4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. • (5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. • (6) There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. 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 NOT be liable, 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 your overdraft line. • If the automated teller machine where you are making the transfer does not have enough cash. • If the terminal or and/or 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. • There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. 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, 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 your overdraft line. ; • If the automated teller machine where you are making the transfer does not have enough cash. ; • If the terminal or 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. ; or • There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. 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, 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 of your overdraft lineoptions. • If the automated teller machine where you are making the transfer does not have enough cash. • If the terminal or 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. • There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. 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. 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. • If you have an overdraft line of credit and the transfer would go over the credit limit on your overdraft linelimit. • If the automated teller machine where you are making the transfer does not have enough cash. • If the terminal or 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 funds are subject to legal process, such as a garnishment. • There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. Liability for failure to make transfers. 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: • 1) If, through no fault of ours, you do not have enough money in your account to make the transfer. • , 2) If you have an overdraft line and the transfer would go over the credit limit on your overdraft line. • limit, 3) If the automated teller machine where you are making the transfer does not have enough cash. • , 4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. • , 5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. • , 6) There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. (a) 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, 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 your overdraft line. • ;  If the automated teller machine where you are making the transfer does not have enough cash. • ;  If the terminal or 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. • ;  There may be other exceptions stated in our agreement with you.

FINANCIAL INSTITUTION’S LIABILITY. 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, 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 your overdraft line. • If the automated teller machine where you are were making the transfer does not have enough cash. • If the terminal or 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. • There may be other exceptions stated in our separate agreement with you.. CONFIDENTIALITY