Common use of Consumer Use Only Clause in Contracts

Consumer Use Only. The personal banking online system and the Mobile Banking Services are intended for individuals with consumer accounts as defined by Regulation E. Mobile Banking Services are only offered through the personal banking online system and are not intended for non-consumer accounts. You acknowledge that the Bank offers a Business Banking Service known as “Business Online” for non-consumer accounts which provides additional security features. Non-consumer customers who use the personal banking online system and the Mobile Banking Services authorize the Bank to accept fund transfer instructions affecting non-consumer accounts and do so at their own and sole risk. You acknowledge your responsibility for all funds transferred affecting your non- consumer accounts initiated using the personal banking online system and Mobile Banking Services. The Bank shall have no duty to verify the identity of the person or persons using your personal Online banking account to transfer funds and transact on your non-consumer account other than the standard authentication security procedures provided for our personal banking online system.

Consumer Use Only. The personal banking online system and the Mobile Banking Services are intended for individuals with consumer accounts as defined by Regulation E. Mobile Banking Services are only offered through the personal banking online system and are not intended for non-consumer accounts. You acknowledge that the Bank offers a Business Banking Service known as “Business Online” for non-consumer accounts which provides additional security features. Non-consumer customers who use the personal banking online system and the Mobile Banking Services authorize the Bank to accept fund transfer instructions affecting non-consumer accounts and do so at their own and sole risk. You acknowledge your responsibility for all funds transferred affecting your non- consumer accounts initiated using the personal banking online system and Mobile Banking Services. The Bank shall have no duty to verify the identity of the person or persons using your personal Online or mobile banking account to transfer funds and transact on your non-consumer account other than the standard authentication security procedures provided for our personal banking online system.