Common use of TRANSACTIONS THAT ARE NOT COMPLETED Clause in Contracts

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time and in the correct amount, and we have agreed to perform such transfer(s) (with certain exceptions), we may be liable for your losses or damages. Section 1. of this Agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable: If we have terminated this Agreement. If through no fault of ours, you do not have enough money in your account(s) to make the transfer. A legal order directs us to prohibit withdrawals from the account(s). The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. If circumstances beyond our control (such as fire or flood prevent the transaction from being completed despite reasonable precautions that we have taken. You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and have as a result refused to honor the original Password. If your account is closed, frozen or funds are uncollected. If you, or anyone authorized by you, commits any fraud, or violates any law or regulation. If the transfer causes your balance to become negative or exceed the credit limit of an established line of credit loan. If any part of the Online Banking is not working properly and you knew about the problem when you started the transactions. If other exceptions are introduced as provided by applicable law. Information About Your Designated Accounts. You authorize us to obtain any information deemed necessary to process your request for access to Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make: Where it is necessary for completing or documenting transactions or resolving errors involving transactions. In order to verify the existence and condition of your designated account(s). In order to comply with orders or subpoenas of government agencies or courts. PRE-AUTHORIZED PAYMENTS. You may not use Online Banking to enter into pre-authorized payment arrangements. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS. Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the membership agreement, deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time and in the correct amount, and we have agreed to perform such transfer(s) (with certain exceptions), we may be liable for your losses or damages. Section 1. 3 of this Agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable: If -If we have terminated this Agreement. If -If through no fault of ours, you do not have enough money in your account(s) to make the transfer. A -A legal order directs us to prohibit withdrawals from the account(s). The -The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. If -If circumstances beyond our control (such as fire or flood flood) prevent the transaction from being completed despite reasonable precautions that we have taken. You -You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and we have as a result refused to honor the original Password. If -If your account is closed, frozen frozen, or funds are uncollected. If -If you, or anyone authorized by you, commits any fraud, fraud or violates any law or regulation. If -If the transfer causes would cause your balance to become negative or exceed the credit limit of an established line of credit loan. If -If any part of the Online Banking Virtual Branch Access is not working properly and you knew about the problem when you started the transactions. If -If other exceptions are introduced as provided by applicable law. Information About Your Designated Accounts8 INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS. You authorize us to obtain any information deemed necessary to process your request for access to Online BankingVirtual Branch Access. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make: Where it is necessary for completing or documenting transactions or resolving errors involving transactions. In order to verify the existence and condition of your designated account(s). In order to comply with orders or subpoenas of government agencies or courts. PRE-AUTHORIZED PAYMENTS. You may not use Online Banking to enter into pre-authorized payment arrangements. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS. Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the membership agreement, deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.:

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time and in the correct amount, and we have agreed to perform such transfer(s) (with certain exceptions), we may be liable for your losses or damages. Section 1. of this Agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable: • If we have terminated this Agreement. • If through no fault of ours, you do not have enough money in your account(s) to make the transfer. • A legal order directs us to prohibit withdrawals from the account(s). • The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. • If circumstances beyond our control (such as fire or flood flood) prevent the transaction from being completed despite reasonable precautions that we have taken. • You have reported an unauthorized use of your Member Number member number and Passwordpassword, reported it as stolen, or requested that we issue a new Passwordpassword, and we have as a result refused to honor the original Passwordpassword. • If your account is closed, frozen or funds are uncollected. • If you, or anyone authorized by you, commits any fraud, fraud or violates any law or regulation. • If the transfer causes would cause your balance to become negative or exceed the credit limit of an established line of credit or credit card loan. • If any part of the Online Banking Access is not working properly and you knew about the problem when you started the transactions. • If other exceptions are introduced as provided by applicable law. Information About Your Designated Accounts. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS You authorize us to obtain any information deemed necessary to process your request for access to Online BankingAccess. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make: • Where it is necessary for completing or documenting transactions or resolving errors involving transactions. • In order to verify the existence and condition of your designated account(s). • In order to comply with orders or subpoenas of government agencies or courts. PRE-AUTHORIZED PAYMENTS. You may not use Online Banking to enter into pre-authorized payment arrangements• If you give us written permission. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS. Your designated account(s) may also be governed by BUSINESS DAYS Our business days are Monday through Friday, other agreements between you and us. The terms and conditions of the membership agreement, deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreementthan legal banking holidays.

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time and time, in the correct amount, and we have agreed to perform such transfer(s) (it, with certain exceptions), we may will be liable for your losses or damages. Section 1. 2 of this Agreement agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:  If we have terminated this Agreement.  If through no fault of ours, you do not have enough money in your account(s) to make the transfer.  A legal order directs us to prohibit withdrawals from the account(s).  The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.  If circumstances beyond our control (such as fire or flood flood) prevent the transaction from being completed despite reasonable precautions that we have taken.  You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and we have as a result refused to honor the original Password.  If your account is closed, frozen frozen, or funds are uncollected.  If you, or anyone authorized by you, commits any fraud, fraud or violates any law or regulation.  If the transfer causes would cause your balance to become negative or exceed the credit limit of an established line of credit loan.  If any part of the Online Banking is not working properly and you knew about the problem when you started the transactions. If  There may be other exceptions are introduced as provided by applicable law. Information About Your Designated Accounts. You authorize us to obtain any information deemed necessary to process your request for access to Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make: Where it is necessary for completing or documenting transactions or resolving errors involving transactions. In order to verify the existence and condition of your designated account(s). In order to comply with orders or subpoenas of government agencies or courts. PRE-AUTHORIZED PAYMENTS. You may not use Online Banking to enter into pre-authorized payment arrangements. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS. Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the membership agreement, deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.:

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time and time, in the correct amount, and we have agreed to perform such transfer(s) (it, with certain exceptions), we may will be liable for your losses or damages. Section 1. of this Agreement This agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable: • If we have terminated this Agreement. • If through no fault of ours, you do not have enough money in your account(s) to make the transfer. • If your loan(s) at the credit union are past due. • A legal order directs us to prohibit withdrawals from the account(s). • The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction. • If circumstances beyond our control (such as fire but not limited to, computer, telephone or electrical failure, acts of nature, fire, flood prevent or other such circumstances, or persons beyond our control prevent, delay, intercept or alter the transaction from being completed transaction, despite reasonable precautions that we have taken. You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and have as a result refused to honor the original Password. • If your account is closed, frozen or funds are uncollected. • If you, or anyone authorized by you, commits any fraud, fraud or violates any law or regulation. • If the transfer causes would cause your balance to become negative or exceed the credit limit of an established line of credit loannegative. • If any part of the EZ Money Manager Online Banking is not working properly and you knew about the problem when you started the transactions. If • There may be other exceptions are introduced as provided by applicable law. Information About Your Designated Accounts. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS You authorize us to obtain any information deemed necessary to process your request for access to EZ Money Manager Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make: • Where it is necessary for completing or documenting transactions or resolving errors involving transactions. • In order to verify the existence and condition of your designated account(s). • In order to comply with orders or subpoenas of government agencies or courts. PRE-AUTHORIZED PAYMENTS• If you give us written permission. You may not use Online Banking to enter into pre-authorized payment arrangementsOUR BUSINESS DAYS Our business days are Monday through Saturday, other than legal banking holidays. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS. AGREEMENTS Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the membership agreement, deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.

TRANSACTIONS THAT ARE NOT COMPLETED. If we fail to complete a transfer to or from your designated account(s) on time and time, in the correct amount, and we have agreed to perform such transfer(s) (it, with certain exceptions), we may will be liable for your losses or damages. Section 1. of this Agreement This agreement lists a number of situations in which we do not agree to complete withdrawals or transfers. We also will not be liable:  If we have terminated this Agreement.  If through no fault of ours, you do not have enough money in your account(s) to make the transfer.  If your loan(s) at the credit union are past due.  A legal order directs us to prohibit withdrawals from the account(s).  The funds in your designated account(s) are subject to legal process or other encumbrance restricting the transaction.  If circumstances beyond our control (such as fire but not limited to, computer, telephone or electrical failure, acts of nature, fire, flood prevent or other such circumstances, or persons beyond our control prevent, delay, intercept or alter the transaction from being completed transaction, despite reasonable precautions that we have taken. You have reported an unauthorized use of your Member Number and Password, reported it as stolen, or requested that we issue a new Password, and have as a result refused to honor the original Password.  If your account is closed, frozen or funds are uncollected.  If you, or anyone authorized by you, commits any fraud, fraud or violates any law or regulation.  If the transfer causes would cause your balance to become negative or exceed the credit limit of an established line of credit loannegative.  If any part of the EZ Money Manager Online Banking is not working properly and you knew about the problem when you started the transactions. If  There may be other exceptions are introduced as provided by applicable law. Information About Your Designated Accounts. INFORMATION ABOUT YOUR DESIGNATED ACCOUNTS You authorize us to obtain any information deemed necessary to process your request for access to EZ Money Manager Online Banking. Additionally, you agree that we will disclose information to third parties about your designated account(s) or the transactions you make:  Where it is necessary for completing or documenting transactions or resolving errors involving transactions.  In order to verify the existence and condition of your designated account(s).  In order to comply with orders or subpoenas of government agencies or courts. PRE-AUTHORIZED PAYMENTS If you give us written permission. You may not use Online Banking to enter into pre-authorized payment arrangementsOUR BUSINESS DAYS Our business days are Monday through Saturday, other than legal banking holidays. OUR RULES AND REGULATIONS AND OTHER AGREEMENTS. AGREEMENTS Your designated account(s) may also be governed by other agreements between you and us. The terms and conditions of the membership agreement, deposit agreements and disclosures for each of your Credit Union account(s) as well as your other agreements with the Credit Union such as loans continue to apply notwithstanding anything to the contrary in this Agreement.