A. USING YOUR VISA� ACCOUNT
1. You consent to the terms of this Agreement by using the card or  
convenience checks. You continue to be bound for all transactions resulting 
from the use of the card or checks until you give us written notice of  
termination of the account and return the card and/or checks to us.
a. If the Credit Union approves your application, each applicant will 
be issued a Visa� credit card (and convenience checks if requested), 
and will be able to use the account. Each applicant will also be liable 
to repay the account under the terms of this Agreement. Cosigners 
who do not have access to the account but are still liable for the loan 
acknowledge receipt of a copy of this loan Agreement as well as the 
separate �Notice to Cosigner.�
b. You are also obligated to repay any charges resulting from the use of 
the account by another person with your permission whether or not 
the person stays within the limits of use set by you.
c. Any persons who use the account are also obligated to repay the Credit 
Union for all charges incurred because of their use of the account.
d. You remain bound to pay for charges made under this Agreement even 
if another person has been directed to pay the debt by an agreement 
or court order to which the Credit Union is not a party; for example, a 
divorce decree. Any release from the obligation to pay is valid only if 
pursuant to a writing signed by an authorized Credit Union employee 
or to a court order in an action to which the Credit Union is a party.
2. To make a purchase or get a cash advance, present the card or give the card 
number and expiration date to a participating Visa� plan merchant, to us, or 
to another financial institution. If you make the transaction in person, you 
will sign a sales or cash advance draft imprinted with your card number. Keep 
the drafts to verify your periodic statement. If the transaction is not made 
in person (such as a telephone mail order purchase or an on-line purchase), 
your only documentation of the charge may be your periodic statement. 
3. Your credit card may also access Visa� designated automated teller 
machines (ATMs). The use of your credit card for ATM access is subject 
to the additional ATM disclosure terms.
4. You can also access your Visa� account by writing a convenience check. 
The use of a convenience check is treated as a cash advance for purposes 
of calculating FINANCE CHARGES. �Notice to California Residents� does 
not apply to use of convenience checks, but special service requests 
(such as stop payment requests) will be subject to the same fees we 
charge for these services on checking accounts. Please refer to our 
current Fee Schedule. In handling convenience checks, your and our 
respective rights and responsibilities are as explained in the checking 
account terms in your General Disclosure & Account Agreement. A 
merchant or other payee may convert a Visa� check to an electronic 
check; refer to the Electronic Fund Transfer Disclosure included in your 
Member Account Handbook for terms governing electronic checks.
5. NOTICE OF PROHIBITION ON USE FOR ILLEGAL TRANSACTIONS
 Visa� Cardholders may not use or permit others to use their credit cards 
for illegal transactions, such as illegal online gambling. We have the 
right, but not the obligation, to refuse a requested transaction if we 
reasonably believe the transaction is illegal. If unauthorized use is 
made of your card for  a transaction, the actual  or  alleged illegality  
of the transaction will not be a defense to your obligation to pay the 
resulting charge. Responsibility for determining whether transactions 
are legal rest with the Cardholder, not the Credit Union.
6. Overdraft Protection Advances. If you designate your Visa� account as 
an overdraft protection source in writing, the following applies: You 
may request a loan advance on your Visa� account by writing a check/ 
share draft any time there are not sufficient funds in your check/share 
draft account. If you request a Debit Card or Online Banking or Online 
Bill Payment, you can also request a loan advance by using those 
services to make payments out of your Credit Union checking/share 
draft account when there are insufficient funds in that account. Any
  overdraft of your checking/share draft account, up to your unused 
credit limit on your Visa account, will be added to your loan balance 
under this Agreement if and when the Credit Union pays the share 
draft or other transaction. The Credit Union has the right to refuse 
overdraft loan advances but will promptly notify you in writing of 
the reasons for refusal. Overdraft protection advances will not be made if your Credit Union membership is not in good standing or if 
you do not have available credit. All overdraft loan advances will be 
in amounts sufficient to cover the overdrafts and any applicable fees 
and charges assessed against your share or share draft accounts � see 
the Fee Schedule. Overdraft protection advances are treated as cash 
advances in calculating FINANCE CHARGES for your Visa� account. You 
cannot obtain an overdraft protection advance to make Credit Union 
loan payments. Doing so is considered a misuse of your checking/ 
share draft and credit privileges and may result in our revoking your 
credit privileges, your checking/share draft privileges or both.
7. Honoring the card. We will not be responsible for the refusal of any 
merchant or financial institution to honor your card.
B. CREDIT LIMIT
The Credit Union has the sole discretion to set your credit limit, 
applying Credit Union loan policies to the evaluation of your credit- 
worthiness and ability to pay. The Credit Union can review your Visa� 
account from time to time. Credit Union review may include checking 
your credit with third parties such as credit reporting agencies. You 
must provide any current information the Credit Union requests. We 
may adjust your credit limit or close your credit card account at any 
time based on a number of factors including our current loan policies 
and our evaluation of your credit worthiness and ability to repay. The 
Credit Union can increase your rate, increase or decrease your credit 
limit or terminate your Visa account based on Credit Union review. 
The Credit Union will give you the notice required by law if changes 
are made that adversely affect you. You can request an increase to 
your credit limit at any time by submitting an oral or written request, 
but the Credit Union  has sole discretion as to whether to approve 
your request. All cards issued or re-issued are subject to approval. 
A Visa� account that has been inactive for six months may not be  
automatically renewed.
C. REPAYMENT TERMS
1. You promise to pay to the Credit Union at the address designated on your 
statement all sums advanced to you under this Agreement at any time plus 
a FINANCE CHARGE. Interest FINANCE CHARGES on your credit card account 
are calculated by applying an ANNUAL PERCENTAGE RATE to the balance 
outstanding on your account. The rate for VARIABLE rate accounts is  
determined at the beginning of each billing cycle by adding a margin 
(between 4.00% and 10.00% based on the creditworthiness assigned to 
your account) to the Index. The Index is the highest Prime Rate currently 
published in the Wall Street Journal, Western Edition, on the 1st day of 
the month (or the next business day if the 1st is not a business day). Your 
VARIABLE rate Index may change quarterly (January, April, July, October).
 Before you become obligated, the Credit Union will disclose  to you 
the margin that is assigned to a VARIABLE account, and the current 
ANNUAL PERCENTAGE RATE and corresponding Monthly Periodic Rate. 
The margin assigned to a VARIABLE account may depend on a number 
of factors including our current loan policies and our evaluation of your  
creditworthiness and ability to pay.
2. We arrive at the FINANCE CHARGE by multiplying the monthly Periodic 
Rate by the average daily balance. We calculate the average daily balance 
by adding purchases and cash advances to any previous balance and  
subtracting any payments received or other credits each day. Unpaid 
FINANCE CHARGES are excluded from the calculation. That gives us the daily 
principal balances. The daily principal balances are added together and 
divided by the number of days in the billing cycle to arrive at the average 
daily balance.
2.1The FINANCE CHARGE on purchases will be charged for each month the 
outstanding balance is not paid within the grace period, at least 25 days 
after the statement date. The statement closing date is the 15th of each 
month and the payment due date is the 15th of each month. Therefore, the 
number of days between your statement closing date and your payment 
due date (the grace period) may vary from one billing cycle to another, but 
will never be less than 25 days.
2.2 In order to avoid a FINANCE CHARGE on purchases made since your last 
statement date, you must pay the Total New Balance by the Payment 
Due Date shown on your statement. Otherwise the FINANCE CHARGE on 
purchases is calculated from the beginning of the next statement period 
on previously billed but unpaid purchases and on new purchases from the 
date they are posted to your account.
3. The FINANCE CHARGE on cash advances runs from the date of each  
transaction. There is no grace period. Cash advances include all Visa�  
convenience check transactions (whether used to obtain cash or to pay for 
goods or services), use of the card to obtain cash via a signature (over-the-
counter) transaction or ATM, overdraft protection advances, and Online 
Banking advances.
4. If you paid your previous billing cycle�s balance in full on or before the due date (or had no outstanding balance), FINANCE CHARGES on current 
purchases will begin to accrue only if you still have a purchase balance 
outstanding at the end of the current cycle�s grace period. If you had a 
purchase balance outstanding after the previous cycle�s due date, FINANCE 
CHARGES will begin to accrue from the date new purchases post to your 
account, and will continue to accrue on any purchase outstanding from 
prior billing cycles. Once FINANCE CHARGES begin to accrue, they continue 
to accrue until the balances are repaid. Paying part of a balance due will not 
stop the accrual of FINANCE CHARGES on balances that remain outstanding.
5. Your payments will be applied to the components of your account in 
the following general order: 1) charges, such as late payment charges 2) 
FINANCE CHARGE(S)  3) previously billed balance transfers 4) previously 
billed cash advances 5) previously billed non-cash transactions 6) new 
balance transfers 7) new cash advances 8) new non-cash transactions 
9) disputed amounts. In all cases, after the payment of late charges and 
FINANCE CHARGES, payments will be applied to the highest interest rate 
balance first.
6.  The minimum required monthly payment is $20 or 3% of the outstanding 
balance rounded up to the next dollar, whichever is greater, plus any past 
due amounts and/or amounts by which your outstanding balance exceeds 
your credit limit. It increases as the unpaid balance increases, as stated 
in your monthly statement. If the balance is less than $20, the minimum 
monthly payment will equal the balance amount.
7. The Credit Union will send you monthly statements of your Visa� account 
which will advise you of the status of your account and any other  
information required by law.
8. If your outstanding balance exceeds your authorized credit limit at any 
time for any reason, you must, upon your receipt of our written demand, 
immediately make a lump sum payment to reduce your balance to an 
amount within your credit limit.
9. The balance owed by you, including accrued FINANCE CHARGE on the 
unpaid balance, may be repaid in full at any time without prepayment 
penalty.
10.  The Credit Union can assess FINANCE CHARGES on cash advances from 
the day they post to your Visa� account. Cash advances include all Visa� 
Check transactions (whether used to obtain cash or to pay for goods 
or services), use of the card to obtain cash via a signature (over-the- 
counter) transaction or ATM, Overdraft Protection advances or Online 
Banking advances.
11. Penalty APR: The Penalty APR may be applicable to your account if you:
� Fail to make any minimum payment within 60 days after the due date 
for that payment;
� Make a payment to us that is returned unpaid; or
� Do any of the above on another account or loan you have with us. 
Before we apply the Penalty APR on any type of transaction balance, 
we will provide you any notice required by law in advance that tells 
you which future transactions and/or outstanding balances are 
subject to the Penalty APR and when the APRs will increase. If we do 
not increase your APRs to the Penalty APR when any of these events 
occur, we reserve the right to increase your APRs to the Penalty APR 
if any of these events occur in the future.
 If your APRs are increased on any type of transaction for any of the 
reasons above, the Penalty APR will be applicable indefinitely to future 
transactions of that type that occur more than 14 days after we provide 
you notice about the APR increase.
 If we do not receive any minimum payment within 60 days of the date and 
time due, the Penalty APR will be applicable to all outstanding balances 
and future transactions on your account. However, if we receive six 
consecutive minimum payments by the date and time due beginning 
with the first payment due after the effective date of the increase, we 
will stop applying the Penalty APR to transactions that occurred prior to 
or within 14 days after we provided you notice about the APR increase. 
For balances that we stop applying the Penalty APR to, we will apply APRs 
that would have applied at that date if the Penalty APR had never been 
applicable.
12. Closed Accounts: If you close your credit card account with the Credit 
Union we may adjust your repayment of the outstanding balance using 
one of the following methods:
� The existing method of repayment for the account as of the close 
date; or
� A repayment amortization period of not less than five years, 
beginning no earlier than the close date.
D. OTHER CHARGES
1. If your minimum monthly payment is not paid within 15 days after the 
payment due date, you will be charged a late fee of $15.00.
2. Payment of your Visa� account with a check returned NSF (not sufficient 
funds) or by other dishonored funds transfer will result in a $10.00 charge.
3. International Transactions. Purchases and cash advances initiated in foreign countries or foreign currencies will be billed in U.S. Dollars. The 
exchange rate on international transactions between the transaction 
currency and the billing currency is a rate selected by Visa� from the range 
of rates available in wholesale currency markets for the applicable central 
processing date, which rate may vary from the rate Visa� itself receives, or 
the government mandated rate in effect for the applicable processing date.
E. CHANGES IN TERMS
We may change the terms of this Agreement, including the Annual  
Percentage Rate, by giving you written notice 45 days prior to the 
effective date of change. �Change� can mean adding a new term, 
changing an existing term, or deleting an old term. If you do not want 
the changes to apply to your account, you have the option of cutting all 
your cards (and convenience checks if applicable) in half and sending the 
pieces back to us with a written request that your account be canceled. If 
you do that, you must pay off your account but under the old terms and 
under the old interest rate. If you keep your card, the new terms and new 
interest rate (if any) will go into effect whether or not you use your card 
for new transactions.
F. HONEST DEALING
You will promptly notify the Credit Union of any information that affects 
your creditworthiness or ability to pay off the loan, including but not 
limited to a change of name, address or employment. You agree not to use 
your account for new transactions or apply to increase your credit limit  
if you have reason to believe you cannot make the required payments.
G.  ADDITIONAL TERMS APPLICABLE TO CO-SIGNERS
As a co-signer you understand and agree that you are obligated to the 
credit limit established by the Credit Union for the applicant to the  
same extent as the applicant. The Credit Union can proceed against you 
if the payments are delinquent even before it seeks to recover from the 
borrower. The Credit Union will give you notice required by law of any 
adverse action it takes with respect to this account. Any extension of  
the pay off or partial settlement with the borrower will not waive any of 
the Credit Union�s rights against you as the co-signer. You can stop being 
obligated for future loan advances only by writing to the Credit Union   
to that effect. But you will still be jointly and individually liable with the 
borrower for the repayment of the existing loan according to the terms 
of this Agreement.
H. DEFAULT LIEN ACCELERATION
1. If you fail to make the minimum monthly payment within 15 days after 
the due date, you authorize us to apply any amount given as security in 
any of your share accounts at any time to pay off, in full or in part, what 
you owe us, and you understand that we can, under California law, apply 
any amount in any of your Credit Union share accounts to pay off, in full 
or in part, your loan. 
2. If you are in default on your payments, you breach other terms of 
agreement, your credit worthiness materially declines, you stop being a 
member of this Credit Union, you become insolvent, file for bankruptcy 
relief, or die, the Credit Union will, at its option, terminate your account 
and declare the entire unpaid balance of the account due and payable 
immediately without notice. Even if the Credit Union accepts a late 
payment or partial payment, it is not waiving its right to accelerate the 
payment of the account and declare the entire unpaid balance due.
I. SECURITY
 Specific Account Pledge. If you have a Share Secured Credit Card, aspecified 
amount in one or more of your Credit Union share accounts is pledged as 
security for the repayment of all amounts loaned to you under the terms of 
this Agreement. The amount pledged and the account will be as shown on a 
separate security agreement. You cannot withdraw the pledged funds from 
the account as long as the pledge is in effect. If you default in your payments 
under the terms of this Agreement, the Credit Union has the right to apply 
the amount specifically pledged to pay off the loan in full or in part.
COLLECTION COST
You agree to pay all reasonable cost of collection incurred by the Credit Union 
before suit is filed. If we take legal action to collect what you owe us, you agree 
to pay our reasonable attorney�s fees and costs of suit in addition to any other 
amount you owe whether the legal action we take is a collection of lawsuit, a 
bankruptcy proceeding, an appeal, an action to collect on a judgment we have 
against you, or another type of legal proceeding.
J. ERROR CORRECTION
The Credit Union can correct clerical errors in loan documents, including PARTS IN BOLD FACE MEET TRUTH IN LENDING 
REQUIREMENTS. PLEASE READ THE WHOLE 
AGREEMENT AND KEEP IT FOR YOUR RECORDS.
You have applied for a California State Firefighters� Association (CSFA) 
Platinum Visa� card offered through SF Fire Credit Union. If issued, the 
extension of a credit card and convenience checks to you under this 
Agreement will be subject to the following terms: breakdown when you started the transaction
3. The money in your account is subject to legal process or other claim
4. Your PIN (personal identification number) has been reported missing 
and we have blocked its use
5. Circumstances beyond our control, such as fire, flood, electrical failure, 
or malfunction of the central data processing facility prevent the 
completion of the transaction despite our reasonable precautions; 
or there are other lawful exceptions established by the Credit Union 
and you are given proper advance notice of them. In no event will the 
Credit Union be liable for consequential indirect costs or damages.
SECURITY
Do not use an ATM machine unless it appears safe to do so. Do not key   
in your PIN if someone is looking. Be sure you take your card and receipt 
when you are done. Put your money away quickly and leave the site.
STATE AND LOCAL LAW
The following summary of your rights under federal law does not cover 
all rights you may have under state and local law. If, under state or local 
law, you have a longer period of time in statement, reliance on any such 
longer time period may result in your losing important rights which could 
be preserved by acting more promptly under federal law. State or local 
provisions, if any, only become operative upon the expiration of the time 
period provided by Federal Regulation Z for submitting a proper written 
notification of an error.
YOUR BILLING RIGHTS � KEEP THIS NOTICE FOR 
FUTURE USE
This notice contains important information about your rights and
responsibilities under the Fair Credit Billing Act, Statement or Electronic 
Transfers. If you think your statement or other documentation is wrong, 
or if you need more information about a transaction on your statement, 
write us at the address listed on your statement. Write to us as soon as 
possible. We must hear from you no later than 60 days after we sent you 
the first statement on which the error or problem appeared. You can 
telephone us at (888) 499-FIRE (3473), but doing so will not preserve your 
rights.
SEND YOUR QUESTIONS IN WRITING TO:
 3201 California Street, San Francisco CA 94118
IN YOUR LETTER, GIVE US THE FOLLOWING INFORMATION:
� YOUR NAME AND ACCOUNT NUMBER
� THE DOLLAR AMOUNT OF THE SUSPECTED ERROR
� A DESCRIPTION OF THE ERROR AND EXPLANATION OF WHY YOU BELIEVE 
THERE IS AN ERROR
IF YOU NEED MORE INFORMATION, DESCRIBE THE ITEM YOU ARE NOT SURE ABOUT.
HOW TO STOP PAYMENT OF A PRE-AUTHORIZED TRANSFER
If you have authorized us to make your Visa� payment automatically from 
your Credit Union Share or Checking Account, you can stop the payment 
on any amount you think is wrong. To stop payment, you must contact us 
three business days before the automatic payment is scheduled to occur. 
If you telephone your request we may require you to confirm your oral 
request in writing. If you fail to do so, your oral request will terminate   
14 days after it is made. If you order us to stop one of these payments 3 
business days or more before the transfer is scheduled, and we do not do 
so well, we will be liable for your losses or damages.
YOUR RIGHTS AND OUR RESPONSIBILITIES AFTER WE RECEIVE YOUR 
WRITTEN NOTICE OF ERROR
We must acknowledge your letter within 30 days, unless we have
corrected the error by then. Within 90 days, we must either correct the 
error or explain why we believe the statement was correct. After we 
receive your letter, and if you have not yet paid the disputed amount,  
we cannot try to collect any amount you question, or report you as  
delinquent. We can continue to bill you for the amount you question, 
including FINANCE CHARGES, and we can apply any unpaid amount 
against your credit limit. You do not have to pay a questioned amount 
while we are investigating, but you are still obligated to pay the parts of 
your statement that are not in question. If we find that we made a mistake 
on your statement, you will not have to pay any FINANCE CHARGES 
related to any questioned amount. If we did not make a mistake, you may 
have to pay FINANCE CHARGES, and you will have to make up any missed 
payments on the questioned amount. In either case, we will send you a 
statement of the amount you owe and the date that it is due.If you fail to pay the amount that we think you owe, we may report you 
as delinquent. However, if our explanation does not satisfy you and you 
write us within 10 days telling us that you still refuse to pay, we must tell 
anyone we report you to that you have a question about your statement. 
And, we must tell you the name of anyone we reported you to. We must 
tell anyone we report you to that the matter has been settled between 
us when it finally is. If we do not follow these rules, we cannot collect the 
first $50.00 of the questioned amount, even if your statement was correct.
NOTICE TO CALIFORNIA RESIDENTS
1. Under California law our right to recover credit extended to you for 
purchases is subject to any defenses that you have against the seller 
if:
a. The purchase price for the item in question exceeded $50.00 
b. The purchase was made in California
c. You made a written demand on the retailer and made a good faith 
attempt to get satisfaction of your complaint
d. You notify us in writing, of the name of the seller, the date of 
purchase, the price paid, the goods or services purchased, the 
nature of your defense, and the acts which you took to obtain 
satisfaction from the seller.
2. The amount to which the defense applies is limited to the amount 
outstanding on the purchase as well as late charges and FINANCE 
CHARGES at the time we receive your letter.
3. This remedy is the only one you have against us. Your rights are limited 
to those circumstances outlined in California Civil Code Section 
1747.90. Purchases with cash or check are not included in this section 
even though you used your credit card to validate your credit.
4. We cannot penalize you by either giving out unfavorable credit  
information about you or canceling or refusing to renew your credit 
card solely because you obtained relief under the remedies you have 
for correcting billing errors.
� Greene & Allison LLP 2020 All rights reserved SFF-11/2020VISA� CARDHOLDER AGREEMENT
AND DISCLOSURE STATEMENT
OFFERED THROUGHCALIFORNIA STATE
FIREFIGHTERS� ASSOCIATIONbut not limited to errors in the interest rate quoted to you. You will be 
notified of any corrections and the reasons for them.
K. TERMINATION
Without prior written notice, we  can  terminate  your  account,  reduce 
or cancel all credit available on the account, refuse to make further 
advances, and revoke all cards and convenience checks issued on the 
account for any breach of the Agreement or for any specific reason 
shown in section B. If that happens you will surrender all issued cards and  
convenience checks to the Credit Union. Termination of the Agreement 
does not relieve you of your obligation to repay the full account balance 
due under this Agreement.
L. OTHER RIGHTS APPLICABLE TO CREDIT CARDS
1. Unauthorized use of Lost or Stolen Cards. Under Visa� operating 
rules, you are generally not liable for unauthorized use of your card. 
However, if you are negligent or fraudulent in  handling your Card  or 
otherwise fall under an exception to Visa� operating rules, you may 
be liable for up to $50 in unauthorized Card use. In any event, you 
agree to promptly report the loss, theft or other actual or potential 
unauthorized use of your Card to us. Call 888-499-FIRE (3473), 24 hours  
a day to report lost or stolen Cards, or write to 3201 California Street, 
San Francisco CA 94118. All member- owners of the Credit Union benefit 
when unauthorized use losses are kept to a minimum. The limitations on 
liability for unauthorized use do not apply to business or organization 
accounts on which 10 or more cards have been issued.
2. Merchant Disputes. The Credit Union will not be responsible for the 
refusal of any merchant or financial institution to honor your Credit Card. 
The Credit Union is subject to good faith claims and defenses recognized  
by law (other than tort claims) arising out of goods or services you 
purchase with the card, only if you have made a good faith attempt but 
have been unable to obtain satisfaction from the plan merchant, and 
(a) your purchase was made in response to an advertisement the Credit 
Union sent or participated in sending you or from a merchant we own 
or operate, or (b) your purchase cost more than $50 and was made in 
your home state or within 100 miles of your home. We are relieved from 
liability if you have already paid us for the disputed transaction. Any 
other disputes you must resolve directly with the merchant.
3. Credits. If a merchant who honors your card gives you credit for returns 
or adjustments, he will do so by sending us a credit slip which we will 
post to your account. If your credits and payments exceed what you owe 
us, we will hold and apply this credit balance against future purchases 
and cash advances, or refund it on your written request if it is $1.00 or 
more. We will credit payments promptly as required by law so you avoid 
excess FINANCE CHARGES, but we reserve the right to delay restoring 
your credit limit or issuing a credit balance refund until final collection 
of non-cash items presented to pay your account.
M. GENERAL TERMS
The terms of this Agreement must be read together as part of the whole 
Agreement. When the singular is used, the plural is implied if there is more 
than one signer. If any part of this Agreement is found to be invalid, the 
other parts of this Agreement shall remain in effect. Applicable federal 
and California laws shall govern the interpretation of this Agreement.
ATM DISCLOSURE
This part of the Disclosure includes special provisions applicable to 
the use of the Credit Card to a Visa� cash advance at Automated Teller 
Machines (ATMs). Please refer to your separate Electronic Funds Transfer 
disclosure for information on other ATM use. 
AVAILABLE SERVICE
1. The amount and number of ATM transactions you can make may be 
limited by the ATM you are using.
2. ATM service is generally available seven days a week, 24 hours a day.
DOCUMENTATION OF TRANSACTIONS
Cash advances made using an ATM will be shown on a transaction receipt 
dispensed by the ATM, and also on your periodic statement.
CREDIT UNION LIABILITY
If we do not properly complete a transaction according to our agreement 
with you, we will be liable for your direct losses or damages. However, 
there are some exceptions. We will not be liable if:
1. Through no fault of ours, you do not have sufficient available credit to 
make the transaction
2. The ATM system was not working properly and you knew about the