Common use of Access IDs and Passcodes Clause in Contracts

Access IDs and Passcodes. One of the main security features protecting the Internet Banking Service is the unique combination of your Access ID and Passcode. During the enrollment process, you will be asked to select a unique Access ID and Passcode. For security purposes, do not use your account number or social security number as your Access ID. Encryption and access controls are used to protect your Passcode within our database. If you need to reset your Passcode, you may use our online automated Passcode reset feature or you may contact this Institution for assistance. Because your Passcode is used to access your accounts, you should treat it as you would any other sensitive personal data. • You should carefully select a Passcode that is difficult to guess. • You should NOT use words based on your name, address or other personal information. • Passcodes should not be shared with anyone, even Authorized Users. • Do NOT use dictionary words. • Keep your Passcode safe. • Memorize your Passcode and do NOT write it down. • You will be prompted to change your password every six (6) months When you enroll for the Internet Banking Service you agree to change your Passcode immediately if you suspect that your Passcode has been compromised. This can be done at any time from the User Services menu after you log on to the Internet Banking Service. NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU BY TELEPHONE, EMAIL OR TEXT MESSAGING REQUESTING PERSONAL INFORMATION, SUCH AS YOUR ACCESS ID, PASSCODE, CREDIT CARD NUMBER, ATM CARD NUMBER OR ATM PIN. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS TYPE OF INFORMATION, DO NOT PROVIDE ANY INFORMATION AND CONTACT OUR CUSTOMER SERVICE DEPARTMENT IMMEDIATELY.

Access IDs and Passcodes. One of the main security features protecting the Internet Online Banking Service is the unique combination of your Access ID and Passcode. During the enrollment process, you will be asked to select a unique Access ID and Passcode. For security purposes, do not use your account number or social security number as your Access ID. Encryption and access controls are used to protect your Passcode within our database. The Service will automatically deactivate your account after three unsuccessful login attempts. If you need to reset your Passcode, you may use our online automated Passcode reset feature or you may contact this Financial Institution for assistance. Because your Passcode is used to access your accounts, you should treat it as you would any other sensitive personal data. • You should carefully select a Passcode that is difficult to guess. • You should NOT not use words based on your name, address or other personal information. • Passcodes should not Special characters may be shared with anyone, even Authorized Usersused to increase security. • Do NOT use dictionary words. • Keep your Passcode safe. • Memorize your Passcode and do NOT write it down. • You will be prompted required to change your password at least every six (6) months 12 monnths. However, you should change your Passcode occasionally, such as every 90 days. • Passcodes should not be shared with anyone, even Authorized users. • The "Help" link within the Online Banking Service will offer tips on choosing a secure Passcode that you can remember. When you enroll for the Internet Online Banking Service you agree to change your Passcode immediately if you suspect that your Passcode has been compromised. This can be done at any time from the “User Services Services” menu after you log on to the Internet Online Banking Service. NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU BY TELEPHONE, EMAIL OR TEXT MESSAGING REQUESTING PERSONAL INFORMATION, SUCH AS YOUR ACCESS ID, PASSCODE, CREDIT CARD NUMBER, ATM CARD NUMBER OR ATM PIN. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS TYPE OF INFORMATION, DO NOT PROVIDE ANY INFORMATION AND CONTACT OUR CUSTOMER SERVICE ONLINE BANKING DEPARTMENT IMMEDIATELY.

Access IDs and Passcodes. One of the main security features protecting the Internet Online Banking Service is the unique combination of your Access ID and Passcode. During the enrollment process, you will be asked to select a unique Access ID and Passcode. For security purposes, do not use your account number or social security number as your Access ID. Encryption and access controls are used to protect your Passcode within our database. The Service will automatically deactivate your account after three unsuccessful login attempts. If you need to reset your Passcode, you may use our online automated Passcode reset feature or you may contact this Financial Institution for assistance. Because your Passcode is used to access your accounts, you should treat it as you would any other sensitive personal data. • · You should carefully select a Passcode that is difficult to guess. • · You should NOT not use words based on your name, address or other personal information. • · Special characters may be used to increase security. · Do NOT use dictionary words. · Keep your Passcode safe. · Memorize your Passcode and do NOT write it down. · You will be required to change your password at least every 12 months. However, you should change your Passcode occasionally, such as every 90 days. · Passcodes should not be shared with anyone, even Authorized Users. • Do NOT use dictionary words· The “Help” link within the Online Banking Service will offer tips on choosing a secure Passcode that you can remember. • Keep your Passcode safe. • Memorize your Passcode and do NOT write it down. • You will be prompted to change your password every six (6) months When you enroll for the Internet Online Banking Service you agree to change your Passcode immediately if you suspect that your Passcode has been compromised. This can be done at any time from the “User Services Services” menu after you log on to the Internet Online Banking Service. NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU BY TELEPHONENeither this Institution nor its Service Providers will contact you by telephone, EMAIL OR TEXT MESSAGING REQUESTING PERSONAL INFORMATIONemail or text messaging requesting personal information, SUCH AS YOUR ACCESS such as your Access ID, PASSCODEPasscode, CREDIT CARD NUMBERcredit card number, ATM CARD NUMBER OR Card Number or ATM PINPIn. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS TYPE OF INFORMATIONIf you are contacted by anyone requesting this type of information, DO NOT PROVIDE ANY INFORMATION AND CONTACT OUR CUSTOMER SERVICE DEPARTMENT IMMEDIATELYdo not provide any information and contact our Online Banking department immediately. Encryption – The Online Banking Service uses the Secure Socket Layer (SSL) encryption technology for everything you do while using Online Banking. Your browser automatically activates this technology when it attempts to connect to our Online Banking Service. The Online Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session by changing the appearance of a small icon of a padlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times so no unauthorized party can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Online Banking Service have been certified by a certificate authority to assure you that you are actually talking to the Online Banking Service instead of someone pretending to be us. By clicking on the lock within the Online Banking Service, you can view the certificate to ensure it’s valid. Cookies - During your use of the Online Banking Service, our Online Banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. You must accept this cookie to use the Online Banking Service. The session cookie is stored on your computer’s hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or “permanent” cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer’s hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Online Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests.

Access IDs and Passcodes. One of the main security features protecting the Internet Banking Service is the unique combination of your Access ID and Passcode. During the enrollment process, you will be asked to select a unique Access ID and Passcode. For security purposes, do not use your account number or social security number as your Access ID. Encryption and access controls are used to protect your Passcode within our database. If you need to reset your Passcode, you may use our online automated Passcode reset feature or you may contact this Institution for assistance. Because your Passcode is used to access your accounts, you should treat it as you would any other sensitive personal data. • You should carefully select a Passcode that is difficult hard to guess. • You should NOT not use words based on your name, address or other personal information. • Passcodes should not Special characters may be shared with anyone, even Authorized Usersused to increase security. • Do NOT use dictionary words. The “Help” link within the Service will offer tips on choosing a secure Passcode that you can remember. • Keep your Passcode safe. • Memorize your Passcode and do NOT write it down. • You will be prompted to should also change your password Passcode occasionally, such as every six (6) months 90 days. • A Passcode should be changed immediately if you suspect that your Passcode has been compromised. This can be done at any time from the “User Services” menu after you log on to the Service. When you enroll for the Internet Banking Service you agree to change your Passcode immediately if you suspect that your Passcode has been compromised. This can be done at any time from the “User Services Services” menu after you log on to the Internet Banking Service. NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU BY TELEPHONENeither this Institution nor its Service Providers will contact you by telephone, EMAIL OR TEXT MESSAGING REQUESTING PERSONAL INFORMATIONemail or text messaging requesting personal information, SUCH AS YOUR ACCESS such as your Access ID, PASSCODEPasscode, CREDIT CARD NUMBERcredit card number, ATM CARD NUMBER OR Card Number or ATM PINPIn. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS TYPE OF INFORMATIONIf you are contacted by anyone requesting this type of information, DO NOT PROVIDE ANY INFORMATION AND CONTACT OUR CUSTOMER SERVICE DEPARTMENT IMMEDIATELYdo not provide any information and contact our bank staff immediately.