OUR LIABILITY FOR FAILURE TO COMPLETE TRANSFERS. If we do not complete a payment or transfer on time or in the correct amount according to our agreement with you, we will be liable for your losses only to the extent of the amount of payment or transfer that should have occurred, if we are unable to resolve the problem. However, there are exceptions. WE WILL NOT BE LIABLE: If, through no fault of ours, you do not have enough available money in the account from which a payment or transfer is to be made, whether internal or external, or if the account has been closed or is not in good standing, or if we reverse a payment or transfer because of insufficient funds. If any payment or transfer would exceed the credit limit or available collected funds balance of any account, internal or external. If your equipment or ours was not working properly and the breakdown should have been apparent to you when you attempted to conduct the transaction. If you have not given us complete, correct, or current account numbers or other identifying information so that we can properly credit your account, another party’s account, or otherwise complete the transaction. If you do not properly follow our instructions or if you provide us with wrong or inaccurate information or fail to correct or tell us about any inaccuracy of which you are aware. If you do not notify us within a reasonable period of time for your payment or transfer to be received, sent, debited or credited, as the case may be, by the time it is due. If the funds in the account from which a payment or transfer is to be made is subject to a legal process or any hold or block or other claim restricting the transaction or account. If circumstances, such as but not limited to, computer, telephone line, or electrical failure, of nature, civil disturbances, suspension of banking hours or other such circumstances, or persons beyond our control prevent, delay, intercept, or alter the transaction, despite reasonable precautions that we have taken.