Common use of Breach of Security Procedures Clause in Contracts

Breach of Security Procedures. In the event of a breach of the Security Procedure, Customer agrees to assist Bank in determining the manner and source of the breach. Such assistance shall include, but shall not be limited to, providing Bank or Bank’s agent or Vendor proof that the device has been cleaned by a professional prior to allowing the Account to be re-activated for use of the Services. Customer further agrees to conduct and provide to Bank an analysis of such equipment, device, or software or and any report of such analysis performed by Customer, Customer’s agents, law enforcement agencies, or any other third party. Failure of Customer to assist Bank may be considered an admission by Customer that the breach of the Security Procedure was caused by a person who obtained access to transmitting facilities of Customer or who obtained information facilitating the breach of the Security Procedure from Customer and not from a source controlled by Bank. Acknowledgment of Commercially Reasonable Security Procedures You agree to comply with the Security Procedures and any other Security Procedures Bank directs you to use, and you acknowledge and agree that the Security Procedures constitute commercially reasonable security procedures under applicable law for the initiation of the Services you utilize, including without limitation, transfers and access to confidential information. You authorize us to follow any and all Instructionsentered, and transactions initiated using applicable Security Procedures unless and until you have notified us, according to notification procedures prescribed by us, that the Security Procedures or any Security Device has been stolen, compromised, or otherwise become known to persons other than you or your representative(s) and until we have had a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction or Instructions using applicable Security Procedures constitutes sufficient authorization for Bank to execute such transaction or instruction notwithstanding any particular designation by you of authorized persons or signature requirements identified on any signature card or other documents relating to your Account maintained with Bank, and you agree and intend that the submission of transactions and Instructions using the Security Procedures shall be considered the same as your authorized written signature in authorizing us to execute such transaction or Instruction. You acknowledge and agree that you shall be bound by any and all transactions and Instructions initiated through the use of such Security Procedures, whether authorized or unauthorized, and by any and all transactions, Instructions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Security Procedures are not designed to detect error in the transmission or content of communications, transactions or Instructions initiated by you and that you bear the sole responsibility for detecting and preventing such error. You agree to keep all Security Procedures and Security Devices protected, secure, and strictly confidential and to provide or make available the same only to your Authorized Representative(s). You agree not to disclose or provide any Security Procedure or Security Devices to any unauthorized person. You agree you are responsible for obtaining, configuring and maintaining a secure malware free computing environment including, without limitation, installing and maintaining an up to date (release versions and definitions) of firewall and anti-virus and anti-spyware/malware software. Where you have the ability to change or modify a Security Device from time to time (e.g., a Password or User ID), you agree to change Security Devices frequently in order to ensure the security of the Security Device. You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Security Procedures or Security Device have been stolen, compromised, or otherwise become known to persons other than you or your Authorized Representative(s) or if you believe that any transaction or activity is unauthorized or in error. In the event of any actual or threatened breach of security, we may issue you a new Security Device or establish new Security Procedures as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. You agree to indemnify, defend all claims, and hold Bank harmless from any loss, damages, or expenses, including but not limited to attorney’s fees, caused by your, your employees’, or agents’ or Authorized Representative(s)’ failure to keep the Security Procedures or Security Device confidential and secure. Your use of a Service constitutes your agreement that the Security Procedures for that Service are commercially reasonable. We reserve the right to modify, amend, supplement, or cancel any or all Security Procedures, and/or to cancel or replace any Security Device, at any time and from time to time at our discretion. We will endeavor to give you reasonable notice of any change in a Security Procedure; provided that we may make any change in a Security Procedure without advance notice to you if we, in our judgment and discretion, believe such change to be necessary or desirable to protect the security of our systems and assets. You agree to promptly implement any change to the Security Procedures. Your implementation and use of the Services after any change in the Security Procedures shall constitute your agreement to the change and your agreement that the applicable Security Procedures, as changed, are commercially reasonable and adequate for the purposes intended.

Breach of Security Procedures. In the event of a breach of the Security Procedure, Customer Xxxxxxxx agrees to assist Bank in determining the manner and source of the breach. Such assistance shall include, but shall not be limited to, providing Bank or Bank’s agent or Vendor proof that the device has been cleaned by a professional prior to allowing the Account to be re-activated for use of the Services. Customer further agrees to conduct and provide to Bank an analysis of such equipment, device, or software or and any report of such analysis performed by Customer, Customer’s agents, law enforcement agencies, or any other third party. Failure of Customer to assist Bank may be considered an admission by Customer that the breach of the Security Procedure was caused by a person who obtained access to transmitting facilities of Customer or who obtained information facilitating the breach of the Security Procedure from Customer and not from a source controlled by Bank. Acknowledgment of Commercially Reasonable Security Procedures You agree to comply with the Security Procedures and any other Security Procedures Bank directs you to use, and you acknowledge and agree that the Security Procedures constitute commercially reasonable security procedures under applicable law for the initiation of the Services you utilize, including without limitation, transfers and access to confidential information. You authorize us to follow any and all Instructionsentered, and transactions initiated using applicable Security Procedures unless and until you have notified us, according to notification procedures prescribed by us, that the Security Procedures or any Security Device has been stolen, compromised, or otherwise become known to persons other than you or your representative(s) and until we have had a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction or Instructions using applicable Security Procedures constitutes sufficient authorization for Bank to execute such transaction or instruction notwithstanding any particular designation by you of authorized persons or signature requirements identified on any signature card or other documents relating to your Account maintained with Bank, and you agree and intend that the submission of transactions and Instructions using the Security Procedures shall be considered the same as your authorized written signature in authorizing us to execute such transaction or Instruction. You acknowledge and agree that you shall be bound by any and all transactions and Instructions initiated through the use of such Security Procedures, whether authorized or unauthorized, and by any and all transactions, Instructions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Security Procedures are not designed to detect error in the transmission or content of communications, transactions or Instructions initiated by you and that you bear the sole responsibility for detecting and preventing such error. You agree to keep all Security Procedures and Security Devices protected, secure, and strictly confidential and to provide or make available the same only to your Authorized Representative(s). You agree not to disclose or provide any Security Procedure or Security Devices to any unauthorized person. You agree you are responsible for obtaining, configuring and maintaining a secure malware free computing environment including, without limitation, installing and maintaining an up to date (release versions and definitions) of firewall and anti-virus and anti-spyware/malware software. Where you have the ability to change or modify a Security Device from time to time (e.g., a Password or User ID), you agree to change Security Devices frequently in order to ensure the security of the Security Device. You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Security Procedures or Security Device have been stolen, compromised, or otherwise become known to persons other than you or your Authorized Representative(s) or if you believe that any transaction or activity is unauthorized or in error. In the event of any actual or threatened breach of security, we may issue you a new Security Device or establish new Security Procedures as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. You agree to indemnify, defend all claims, and hold Bank harmless from any loss, damages, or expenses, including but not limited to attorney’s fees, caused by your, your employees’, or agents’ or Authorized Representative(s)’ failure to keep the Security Procedures or Security Device confidential and secure. Your use of a Service constitutes your agreement that the Security Procedures for that Service are commercially reasonable. We reserve the right to modify, amend, supplement, or cancel any or all Security Procedures, and/or to cancel or replace any Security Device, at any time and from time to time at our discretion. We will endeavor to give you reasonable notice of any change in a Security Procedure; provided that we may make any change in a Security Procedure without advance notice to you if we, in our judgment and discretion, believe such change to be necessary or desirable to protect the security of our systems and assets. You agree to promptly implement any change to the Security Procedures. Your implementation and use of the Services after any change in the Security Procedures shall constitute your agreement to the change and your agreement that the applicable Security Procedures, as changed, are commercially reasonable and adequate for the purposes intended.

Breach of Security Procedures. In the event of a breach of the Security Procedure, Customer agrees to assist Bank in determining the manner and source of the breach. Such assistance shall include, but shall not be limited to, providing Bank or Bank’s agent access to Customer’s hard drive, storage media and devices, systems and any other equipment or Vendor proof device that the device has been cleaned by a professional prior to allowing the Account to be re-activated for use was used in breach of the ServicesSecurity Procedure. Customer further agrees to conduct and provide to Bank an any analysis of such equipment, device, or software or and any report of such analysis performed by Customer, Customer’s agents, law enforcement agencies, or any other third party. Failure of Customer to assist Bank may shall be considered an admission by Customer that the breach of the Security Procedure was caused by a person who obtained access to transmitting facilities of Customer or who obtained information facilitating the breach of the Security Procedure from Customer and not from a source controlled by Bank. Acknowledgment of Commercially Reasonable Security Procedures You agree to comply with the “Security Procedures Procedures” and any other Security Procedures Bank directs you to use, and you acknowledge and agree that the Security Procedures Procedures, including (without limitation) any (a) code, User ID, and/or Password; (b) Secure Socket Layer (SSL) with at least 128-bit encryption; (c) multi-factor authentication that utilizes User IDs, Passwords & Security Devices (if applicable) ; (d) challenge-response mechanism for forgotten Passwords; (e) required sign-on every 90 days; (f) minimum Password length settings; (g) time-out limits to log inactive users of Online Banking, or (h) transaction dollar limits or other means, or method of authentication or identification used in connection with a Security Procedure (collectively, “Security Devices”), constitute commercially reasonable security procedures under applicable law for the initiation of the Services you utilize, including without limitation, transfers and access to confidential information. You authorize us to follow any and all Instructionsentered, instructions entered and transactions initiated using applicable Security Procedures unless and until you have notified us, according to notification procedures prescribed by us, that the Security Procedures or any Security Device has been stolen, compromised, or otherwise become known to persons other than you or your representative(s) and until we have had a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction or Instructions instructions using applicable Security Procedures constitutes sufficient authorization for Bank to execute such transaction or instruction notwithstanding any particular designation by you of authorized persons or signature requirements identified on any signature card or other documents relating to your Account deposit account maintained with Bank, and you agree and intend that the submission of transactions and Instructions instructions using the Security Procedures shall be considered the same as your authorized written signature in authorizing us to execute such transaction or Instructioninstruction. You acknowledge and agree that you shall be bound by any and all transactions and Instructions initiated through the use of such Security Procedures, whether authorized or unauthorized, and by any and all transactions, Instructions transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Security Procedures are not designed to detect error in the transmission or content of communications, transactions communications or Instructions transaction initiated by you and that you bear the sole responsibility for detecting and preventing such error. You agree to appoint and designate an administrator (the “Administrator”) who will be authorized and responsible for creating and maintaining subsequent User IDs, Passwords and Security Devices on your behalf, including assigning and revoking access privileges for persons to use the Service, (“User”) and providing new and subsequent Security Devises to those Users. Bank will provide Customer’s designated Administrator, through United States postal mail and/or other delivery service selected by Bank at Bank’s option, with a User ID number and Password, and Security Devices to be distributed by the Administrator to each User with respect to one or more of the Services. Customer understands that the Administrator has the capability of providing administrative privileges identical to that of the Administrator to any User, including the ability to create and maintain subsequent User accounts and assigning and revoking access privileges. If these privileges are granted by the Administrator to a User, that User will also be considered an Administrator. Customer will be required to use the Security Devise each time it accesses the Services. Customer acknowledges that any Administrator shall have the ability to control security levels such as Service access and Service transaction limits, including without limitation the ability to assign dollar amount limits to transfers of funds. You also agree that the Administrator or any User shall also have the authority on behalf of Customer to electronically accept and approve any and all agreements and amendments to agreements by and between Bank and Customer, including but not limited to this Master Agreement. You agree to keep all Security Procedures and Security Devices protected, secure, and strictly confidential and to provide or make available the same only to your Authorized Representative(sauthorized representative(s). You agree not to disclose or provide any Security Procedure or Security Devices to any unauthorized person. You also agree that (a) no group or shared User IDs, Passwords or Security Devices will be issued; (b) that each user shall have his or her own User ID, Password and Security Device (if applicable); and (c) that Users shall not share User IDs, Passwords or Security Devices with each other. You agree you are responsible for obtaining, configuring and maintaining a secure malware free computing environment including, without limitation, installing and maintaining an up to up-to-date (release Release versions and definitions) of firewall and anti-virus and anti-spyware/malware software. Where you have the ability to change or modify a Security Device from time to time (e.g., a Password password or User IDName), you agree to change Security Devices frequently in order to ensure the security of the Security Device. You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Security Procedures or Security Device have been stolen, compromised, or otherwise become known to persons other than you or your Authorized Representative(sauthorized representative(s) or if you believe that any transaction or activity is unauthorized or in error. In the event of any actual or threatened breach of security, we may issue you a new Security Device or establish new Security Procedures as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. You agree to indemnify, defend all claims, and hold Bank harmless from any loss, damages, or expenses, including but not limited to attorney’s fees, caused by your, your employees’, or agents’ or Authorized Representative(s)’ failure to keep the Security Procedures procedures or Security Device confidential and secure. Your use You agree to notify us immediately, according to notification procedures prescribed by us, if the authority of a Service constitutes any authorized representative(s) shall change or be revoked. You shall recover and return to us any Security Devices in the possession of any of your agreement that authorized representative(s) whose authority to have the Security Procedures for that Service are commercially reasonableDevice has been revoked. We reserve the right to modify, amend, supplement, or cancel any or all Security Procedures, and/or to cancel or replace any Security Device, at any time and from time to time at in our discretion. We will endeavor to give you reasonable notice of any change in a Security ProcedureProcedures; provided that we may make any change in a Security Procedure Procedures without advance notice to you if we, in our judgment and discretion, believe such change to be necessary or desirable to protect the security of our systems and assets. You agree to promptly implement any change to the Security Procedures. Your implementation and use of the Services any changed Security Procedures after any change in the Security Procedures shall constitute your agreement to the change and your agreement that the applicable Security Procedures, as changed, are commercially reasonable and adequate for the purposes intended.

Breach of Security Procedures. In the event of a breach of the Security Procedure, Customer agrees to assist Bank in determining the manner and source of the breach. Such assistance shall include, but shall not be limited to, providing Bank or Bank’s agent access to Customer’s hard drive, storage media and devices, systems and any other equipment or Vendor proof device that the device has been cleaned by a professional prior to allowing the Account to be re-activated for use was used in breach of the ServicesSecurity Procedure. Customer further agrees to conduct and provide to Bank an any analysis of such equipment, device, or software or and any report of such analysis performed by Customer, Customer’s agents, law enforcement agencies, or any other third party. Failure of Customer to assist Bank may shall be considered an admission by Customer that the breach of the Security Procedure was caused by a person who obtained access to transmitting facilities of Customer or who obtained information facilitating the breach of the Security Procedure from Customer and not from a source controlled by Bank. Acknowledgment of Commercially Reasonable Security Procedures You agree to comply with the “Security Procedures Procedures” and any other Security Procedures Bank directs you to use, and you acknowledge and agree that the Security Procedures Procedures, including (without limitation) any (a) code User ID, and/or Password; (b) Secure Socket Layer (SSL) with at least 128-bit encryption; (c) multi- factor authentication that utilizes User IDs, Passwords, out of band and/or out of wallet authentication & One-time passcodes (if applicable) ; (d) authentication mechanisms for forgotten Passwords; (e) required sign-on every 90 days; (f) minimum Password length settings; (g) time-out limits to log inactive users off of Online Banking, or (h) transaction dollar limits or other means, or method of authentication or identification used in connection with a Security Procedure (collectively “Security Devices”), constitute commercially reasonable security procedures under applicable law for the initiation of the Services you utilize, including without limitation, transfers and access to confidential information. You authorize us to follow any and all Instructionsentered, instructions entered and transactions initiated using applicable Security Procedures unless and until you have notified us, according to notification procedures prescribed by us, that the Security Procedures or any Security Device has been stolen, compromised, or otherwise become known to persons other than you or your representative(s) and until we have had a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction or Instructions instructions using applicable Security Procedures constitutes sufficient authorization for Bank to execute such transaction or instruction notwithstanding any particular designation by you of authorized persons or signature requirements identified on any signature card or other documents relating to your Account deposit account maintained with Bank, and you agree and intend that the submission of transactions and Instructions instructions using the Security Procedures shall be considered the same as your authorized written signature in authorizing us to execute such transaction or Instructioninstruction. You acknowledge and agree that you shall be bound by any and all transactions and Instructions initiated through the use of such Security Procedures, whether authorized or unauthorized, and by any and all transactions, Instructions transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Security Procedures are not designed to detect error in the transmission or content of communications, transactions communications or Instructions transaction initiated by you and that you bear the sole responsibility for detecting and preventing such error. You agree to keep all Security Procedures and Security Devices protected, secure, and strictly confidential and to provide or make available the same only to your Authorized Representative(sauthorized representative(s). You agree not to disclose or provide any Security Procedure or Security Devices to any unauthorized person. You agree you are responsible for obtaining, configuring and maintaining a secure malware free computing environment including, without limitation, installing and maintaining an up to up-to-date (release Release versions and definitions) of firewall and anti-virus and anti-spyware/malware software. Where you have the ability to change or modify a Security Device from time to time (e.g., a Password or User ID), you agree to change Security Devices frequently in order to ensure the security of the Security Device. You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Security Procedures or Security Device have been stolen, compromised, or otherwise become known to persons other than you or your Authorized Representative(sauthorized representative(s) or if you believe that any transaction or activity is unauthorized or in error. In the event of any actual or threatened breach of security, we may issue you a new Security Device or establish new Security Procedures as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. You agree to indemnify, defend all claims, and hold Bank harmless from any loss, damages, or expenses, including but not limited to attorney’s fees, caused by your, your employees’, or agents’ or Authorized Representative(s)’ failure to keep the Security Procedures procedures or Security Device confidential and secure. Your use of a Service constitutes your agreement that the Security Procedures for that Service are commercially reasonable. We reserve the right to modify, amend, supplement, or cancel any or all Security Procedures, and/or to cancel or replace any Security Device, at any time and from time to time at our discretion. We will endeavor to give you reasonable notice of any change in a Security ProcedureProcedures; provided that we may make any change in a Security Procedure Procedures without advance notice to you if we, in our judgment and discretion, believe such change to be necessary or desirable to protect the security of our systems and assets. You agree to promptly implement any change to the Security Procedures. Your implementation and use of the Services any changed Security Procedures after any change in the Security Procedures shall constitute your agreement to the change and your agreement that the applicable Security Procedures, as changed, are commercially reasonable and adequate for the purposes intended. Privacy and Confidentiality An explanation of our privacy policy will be provided to you separately in the manner required by applicable law. Please review it carefully. Our privacy policy may change from time to time and is available on our website and at our banking locations.