Common use of AND OTHER SECURITY PROCEDURES Clause in Contracts

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password and other security procedures, as further described below and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. The following Security Procedures apply to access by all customers, except as otherwise expressly provided, to Inwood National Bank’s Online Banking Service, including the Mobile Banking Service feature of Online Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online Banking Service customers: Login ID: This is the electronic identification (in letters, numerals and special characters) associated with each user of the Online Banking Service that will be used for log-in. Password: Each user of the Online Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including but not limited to minimum and maximum length and types of characters, as further described in the Online Banking system. Each user is required to change his or her individual password from time to time for security purposes and on a frequency established by the Bank. Login IDs and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Online Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in for each user. Enhanced log-in security incorporates an additional multi-part credential for each user of Online Banking of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies, flash objects, and one-time pass-codes. The enhanced log-in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codes that may be required from time to time at log-in. These log-in pass-codes may be delivered to users via email or such other method as Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you during enrollment in the Mobile Banking Service to be used for certain Online Banking Service activities and transactions initiated using a Mobile Device, including but not limited to Bill Payment Service transactions. Minimum System Requirements: Online Banking is designed to operate using the latest operating system and browser combinations. It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.xxxxxxxxxx.xxx are the minimum requirements necessary to ensure a positive experience while using Online Banking. Those requirements are in addition to the Computer requirements described in this Agreement, and the recommendations available at the Online Banking Service website and associated web pages, including but not limited to the following:  update the Computer operating system  keep the browser current  install anti-virus software and anti-spyware software  change passwords on a regular basis  do not click links inside spam email, especially emails claiming to offer anti-spyware software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Banking. The Bank strongly recommends the use of these additional Security Procedures to help deter and protect against unauthorized transactions associated with the Services, including the following:  Alerts: As further described in this Agreement, the Bank provides optional Account and security alerts associated with certain modules of Online Banking and the Mobile Banking Service that you may elect to use. Alerts may be set up to notify you of key Online Banking transactions or when other important activity has occurred. Additional details about Online Banking alerts are available at the Online Banking Service website and associated web pages.

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password and other security procedures, as further described below and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. The following Security Procedures apply to access by all customers, except as otherwise expressly provided, to Inwood National Bank’s Online Banking Service, including the Mobile Banking Service feature of Online Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online Banking Service customers: Login ID: This is the electronic identification (in letters, numerals and special characters) associated with each user of the Online Banking Service that will be used for log-in. Password: Each user of the Online Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including but not limited to minimum and maximum length and types of characters, as further described in the Online Banking system. Each user is required to change his or her individual password from time to time for security purposes and on a frequency established by the Bank. Login IDs and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Online Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in for each user. Enhanced log-in security incorporates an additional multi-part credential for each user of Online Banking of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies, flash objects, and one-time pass-codes. The enhanced log-in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codes that may be required from time to time at log-in. These log-in pass-codes may be delivered to users via email or such other method as Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you during enrollment in the Mobile Banking Service to be used for certain Online Banking Service activities and transactions initiated using a Mobile Device, including but not limited to Bill Payment Service transactions. Minimum System Requirements: Online Banking is designed to operate using the latest operating system and browser combinations. It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.xxxxxxxxxx.xxx are the minimum requirements necessary to ensure a positive experience while using Online Banking. Those requirements are in addition to the Computer requirements described in this Agreement, and the recommendations available at the Online Banking Service website and associated web pages, including but not limited to the following:  • update the Computer operating system  • keep the browser current  • install anti-virus software and anti-spyware software  • change passwords on a regular basis  • do not click links inside spam email, especially emails claiming to offer anti-spyware software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Banking. The Bank strongly recommends the use of these additional Security Procedures to help deter and protect against unauthorized transactions associated with the Services, including the following:  • Alerts: As further described in this Agreement, the Bank provides optional Account and security alerts associated with certain modules of Online Banking and the Mobile Banking Service that you may elect to use. Alerts may be set up to notify you of key Online Banking transactions or when other important activity has occurred. Additional details about Online Banking alerts are available at the Online Banking Service website and associated web pages.

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Digital Banking. You agree that we may rely on your Login IDUsername, password password, and other security procedures, as further described below and as we may modify in at our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. The following Security Procedures apply to access by all customers, except as otherwise expressly provided, to Inwood National Bank’s Online Digital Banking Service, including but not limited to the Mobile Banking Service feature of Online Digital Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online Digital Banking Service customers: Login IDUsername: This is the electronic identification (in letters, numerals numerals, and special characters) associated with each user of the Online Digital Banking Service that will be used for log-in. Password: Each user of the Online Digital Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including including, but not limited to to, minimum and maximum length and types of characters, as further described in the Online Digital Banking system. Each user is required strongly recommended to change his or her individual password from time to time at least every 90 days for security purposes and on purposes. The Bank requires a frequency established by the Bankminimum of a password change every 365 days. Login IDs Usernames and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs Usernames and passwords, access to the Online Digital Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in for each user. Enhanced log-in login security incorporates an additional multi-part credential for each user of Online Digital Banking of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies, flash objects, and one-time pass-codespasscodes. The enhanced log-in login security will require each user of Online Digital Banking to establish and utilize, in addition to individual Login IDs Usernames and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-pass- codes that may be required from time to time at log-in. These log-in pass-codes passcodes may be delivered to users via email or such other method as Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you during enrollment in the Mobile Banking Service to be used for certain Online Banking Service activities and transactions initiated using a Mobile Device, including but not limited to Bill Payment Service transactions. Minimum System Requirements: Online Digital Banking is designed to operate using the latest operating system and browser combinations. It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.xxxxxxxxxx.xxx xxxxx://xxx.xxx.xxxx/online-service-agreement are the minimum requirements necessary to ensure a positive experience while using Online Digital Banking. Those requirements are in addition to the Computer requirements described in this Agreement, and the recommendations available at the Online Digital Banking Service website and associated web pages, including but not limited to the following:  update the Computer operating system  keep the browser current  install anti-virus software and anti-spyware software  change passwords on a regular basis  do not click links inside spam email, especially emails claiming to offer any anti-spyware spy software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Digital Banking. The Bank strongly recommends the use of these additional Security Procedures to help deter and protect against unauthorized transactions associated with the Services, including the following:  Alerts: As further described in this Agreement, the Bank provides optional Account and security alerts associated with certain modules of Online Digital Banking and the Mobile Banking Service that you may elect to use. Alerts may be set up to notify you of key Online Digital Banking transactions or when other important activity has occurred. Additional details about Online Digital Banking alerts are available at the Online Digital Banking Service website and associated web pages. Security Best Practices: United Bank of Union provides important information, recommendations and best practices for Internet banking security on its website. As an important additional security procedure, it is recommended that all customers regularly review and implement the various actions described to help protect their financial and other sensitive information and mitigate fraud. We will execute authenticated transfers or transactions that are in conformity with all Security Procedures and other requirements set forth in this Agreement. We may require additional authentication of any transfer or transaction request. We reserve the right to reject a transfer or transaction request that cannot be properly authenticated. Except as is more fully discussed in this Agreement, you understand and agree that you are responsible for all transfers and payments made through the Service using the Security Procedures. You also acknowledge and agree that if you permit another party(ies) to use the Security Procedures to access the Service, or otherwise authorize them to use the Service, you are responsible for any and all Digital Banking transactions that party(ies) makes from your Account, even if it exceeds your authorization. Subject to the terms of this Agreement, we may follow and comply with any transfer instructions entered into the Service using the Security Procedures. You acknowledge and understand the importance of your role in preventing misuse of your Accounts through Digital Banking. You agree that it is your sole responsibility to protect the confidentiality of your Account and Account number, the Security Procedures, and your personal identification information, such as your driver’s license number and social security or tax identification number. You should not use a public computer to access Digital Banking. You agree that if you access the Service from a computer other than your own (such as a public computer terminal at a library or Internet café), you will not leave the computer unattended while using the Service. You also agree that, in such situations, you will always end your session using the Service by clicking on the LOG OFF button located at the bottom of the left-hand side menu. We will not be liable to you for any losses that may result from your failure to follow these security provisions. You understand that personal identification information, by itself or together with information related to your Account, may allow unauthorized entry and access to your Account. Data transferred via Digital Banking is encrypted in an effort to provide transmission security, and Digital Banking utilizes identification technology to verify that the sender and receiver of Digital Banking transmissions can be appropriately identified by each other. We will never email you to request your Username and password or your personal Account information over the Internet. If you suspect that an unsolicited email of this nature is fraudulent, please contact us. FEES AND CHARGES While Digital Banking is a free service, you agree to pay the fees and charges for your use of the Service as set forth in the Schedule of Fees as it may be amended from time to time with notice to you as required by Applicable Law. You agree that all such fees and charges will be deducted from the checking Account you designate as the “Primary Checking Account.” If you close your Primary Checking Account, you must contact us immediately to designate another Account as your Primary Checking Account. You agree to pay any and all additional charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Digital Banking. ADDITIONAL DISCLOSURES REGARDING ELECTRONIC FUNDS TRANSFERS (EFT) ACCOUNT STATEMENTS We report your Digital Banking transactions on the periodic statements for your Account(s). You agree to review your periodic statement promptly after you receive it, or it is made available to you through Digital Banking in accordance with this Agreement and the terms of your Account Agreement. You also agree to tell us promptly about any change in your address so that we may send your periodic statement(s) to your correct address. Certain Deposit Accounts, including but not limited to savings Accounts, money market deposit Accounts, CDs, and IRAs, will receive a quarterly statement if there is no EFT activity. A copy of any documentation provided to you that indicates that an EFT was made shall be admissible as evidence of such transfer and shall constitute prima facie proof that such transfer was made.

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password and other security procedures, as further described below and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. The following Security Procedures apply to access by all customers, except as otherwise expressly provided, to Inwood National State Bank’s Online Banking Service, including the Mobile Banking Service feature of Online Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online Banking Service customers: Login ID: This is the electronic identification (in letters, numerals and special characters) associated with each user of the Online Banking Service that will be used for log-in. Password: Each user of the Online Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including but not limited to minimum and maximum length and types of characters, as further described in the Online Banking system. Each user is required to change his or her individual password from time to time for security purposes and on a frequency established by the Bank. Login IDs and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Online Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in for each user. Enhanced log-in security incorporates an additional multi-part credential for each user of Online Banking of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies, flash objects, and one-time pass-codes. The enhanced log-log- in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codes that may be required from time to time at log-in. These log-in pass-codes may be delivered to users via email or such other method as Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you during enrollment in the Mobile Banking Service to be used for certain Online Banking Service activities and transactions initiated using a Mobile Device, including but not limited to Bill Xxxx Payment Service transactions. Minimum System Requirements: Online Banking is designed to operate using the latest operating system and browser combinations. It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.xxxxxxxxxx.xxx xxx.XxxxxXxxxXxxxxxxxx.xxx are the minimum requirements necessary to ensure a positive experience while using Online Banking. Those requirements are in addition to the Computer requirements described in this Agreement, and the recommendations available at the Online Banking Service website and associated web pages, including but not limited to the following:  update the Computer operating system  keep the browser current  install anti-virus software and anti-spyware software  change passwords on a regular basis  do not click links inside spam email, especially emails claiming to offer anti-spyware software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Banking. The Bank strongly recommends the use of these additional Security Procedures to help deter and protect against unauthorized transactions associated with the Services, including the following:  Alerts: As further described in this Agreement, the Bank provides optional Account and security alerts associated with certain modules of Online Banking and the Mobile Banking Service that you may elect to use. Alerts may be set up to notify you of key Online Banking transactions or when other important activity has occurred. Additional details about Online Banking alerts are available at the Online Banking Service website and associated web pages.

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password and other security procedures, as further described below and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. The following Security Procedures apply to access by all customers, except as otherwise expressly provided, to Inwood National BankCFSB’s Online Banking Service, including but not limited to the Mobile Banking Service feature of Online Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online & Mobile Banking Service customers: Login ID: This is the electronic identification (in letters, numerals and special characters) associated with each user of the Online & Mobile Banking Service that will be used for log-in. Password: Each user of the Online & Mobile Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including but not limited to minimum and maximum length and types of characters, as further described in the Online Banking system. Each user is required strongly recommended to change his or her individual password from time to time at least every 90 days for security purposes and on a frequency established by the Bankpurposes. Login IDs and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Online & Mobile Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in for each user. Enhanced log-in security incorporates an additional multi-part credential for each user of CFSB Online & Mobile Banking of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies, flash objects, and one-time pass-codes. The enhanced log-in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codes that may be required from time to time at log-in. These log-in pass-codes may be delivered to users via email phone call, SMS text, or such other method as the Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you during enrollment in the Mobile Banking Service to be used for certain Online Banking Service activities and transactions initiated using a Mobile Device, including but not limited to Bill Payment Service transactionsemail. Minimum System Requirements: Online Banking is designed to operate using the latest operating system and browser combinations. It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.xxxxxxxxxx.xxx are the minimum requirements necessary to ensure a positive experience while using Online Banking. Those requirements are in addition to the Computer requirements described in this Agreement, and the recommendations available at the Online Banking Service website and associated web pages, including but not limited to the following:  update the Computer operating system  keep the browser current  install anti-virus software and anti-spyware software  change passwords on a regular basis  do not click links inside spam email, especially emails claiming to offer anti-spyware software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Banking. The Bank strongly recommends the use of these additional Security Procedures to help deter and protect against unauthorized transactions associated with the Services, including the following:  Alerts: As further described in this Agreement, the Bank provides optional Account and security alerts associated with certain modules of Online Banking and the Mobile Banking Service that you may elect to use. Alerts may be set up to notify you of key Online Banking transactions or when other important activity has occurred. Additional details about Online Banking alerts are available at the Online Banking Service website and associated web pages.browser