Common use of Account Credentials Clause in Contracts

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334-270- 8687 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334903-270- 8687 885- 8566 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 3341-270- 8687 877- 681-6087 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334903-270- 8687 534- 4975 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334000-270- 8687 000-0000 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334806-270- 8687 353- 6688 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access to the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device and passwords could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334325-270- 8687 643-5563 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334318-270- 8687 387- 7535 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334325-270- 8687 643- 5563 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access to the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device and passwords could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334806-270- 8687 376-4669 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334800-270- 8687 530- 1252 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334-270- 8687 (662) 562- 9671 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access to the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device and passwords could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334806-270- 8687 353-6688 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334575-270- 8687 762- 3828 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access to the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device and passwords could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334318-270- 8687 387-7535 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access to the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device and passwords could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334800-270- 8687 950-8563 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334800-270- 8687 449- 5742 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.

Account Credentials. When you first enroll in the Online Services, you will receive a User ID and temporary password. You will be prompted at the first log-on attempt to create a new password that will allow you to access to the Online Services. Only you will have knowledge of this password. We may, from time to time, change the requirements for passwords used to access the Online Services. In the event of such a change, you will be required to change your password the next time you access the Online Services. If you are one of multiple borrowers on a particular loan and/or account that is accessible via the Online Services, you hereby acknowledge and agree that any one or more of the co-borrowers on the loan and/or account may request and be granted access to Online Services for the loan and/or account, and may continue to have access even if such co-borrower is released from personal liability on the loan and/or account (although you may request that we remove access for such individuals by contacting us directly). You are solely responsible for the security and use of your User ID and password. To prevent unauthorized access to your accounts and to prevent unauthorized use of the Online Services, you agree to keep your passwords, codes, and User IDs confidential. If you disclose your account numbers, codes, User IDs, and/or password to any person(s) or entity or permit their use, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s) or entity. If you access the Online Services through our mobile applications, we may allow you to authenticate your identity using a biometric rather than a User ID and password. Biometric authentication will only be available on certain mobile devices, such as the Touch ID and Face ID technology for Apple mobile devices and the Fingerprint technology for Android mobile devices. You will be able to control whether biometric authentication is enabled or disabled from the security settings of your mobile device. Once enabled, you will be able to access your Online Services using any biometric registered on your device. You are solely responsible for the security of your mobile device. If you allow any person(s) to register a biometric on your mobile device, you assume all risks and losses associated with the same and are responsible for any transactions and activities performed by such person(s). The loss, theft, or unauthorized use of your account numbers, codes, User IDs, passwords, or mobile device and passwords could cause you to lose some or all of the money in your accounts and could also permit unauthorized access to your sensitive personal and account information. Such unauthorized access to that information could result in fraudulent activity, including identity theft. You agree to immediately notify us at 334000-270- 8687 000-0000 if you become aware of any loss, theft, unauthorized use or attempted use of your User ID and/or password or any unauthorized use of your username or password. Fees. Access to the Online Services are currently provided to you at no additional cost. You may incur, and will be solely responsible for, fees incurred through the Online Services, such as fees charged by third parties such as bank transaction fees or fees from wireless carriers or internet providers. We reserve the right from time to time to add or modify charges associated with the Online Services and will notify you if such charges are added or modified. Your Use of the Online Services. The following requirements apply to your use of the Online Services: • The Online Services will be used in a manner consistent with applicable laws and regulations in accordance with the terms of this Agreement. • The Online Services will not be used in any manner that could damage, disable, overburden, or impair the Online Services or interfere with any other user’s use or enjoyment of the Online Services. • No attempt will be made to gain unauthorized access to the Online Services or our computer systems or networks. • You will not knowingly upload, post, email, or otherwise transmit any material that contains viruses or any other computer code, files, or programs which might interrupt, limit, or interfere with the functionality of any computer software or hardware or telecommunications equipment.