Common use of Creating and Managing Users Clause in Contracts

Creating and Managing Users. You may authorize other users and control their scope of activities by designating user levels, access levels and account settings. You may add additional users to your Online Banking profile and provide each with a separate Online ID and passcode. You may designate the user level either as "user" (also sometimes referred to as sub-user) or "Administrator." An Administrator is a user who is able to create, edit and monitor other users. An Administrator is not eligible to enroll in other online business services or grant levels of access to other users that have not been granted to the Administrator. For each user, you can designate which account(s) the user will have access to. You may also place limits on the types of transactions for each account the user is granted access to. For each account linked to your Online Banking profile, except for personal investment accounts you can designate each user's access level and account settings. Access Level (also sometimes referred to as Activity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access (also sometimes referred to as financial access of full access) to an account you will be allowing a user to transfer funds, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settings. View Access (also sometimes referred to as inquiry access or basic access) allows a user to only view account balances and activity, subject to the selected account or general service settings. Account settings are levels of access and transactional limits that you and/or an Administrator may select for each user. In addition to specifying Transactional, View, or No Access for a user of an account, you can also specify certain other account settings, including transaction limitations as provided on our web site. You may also designate certain "general service settings" which are global settings that may affect more than one account. These include Full Access Bill Pay, Payroll Services, Direct Payments and Express Invoicing. There are additional controls available for the Bill Pay option. If you select to enable Full Access Bill Pay for a user, that user will automatically have Transactional Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may however, designate limited access for a user of Bill Pay, which will permit the user to have transactional access for specific accounts and existing payees only. For the Bill Pay functionality, you may limit a user to use only certain specific accounts. For users of the Payroll. Direct Payments and Express Invoicing, only Transaction Access is available. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank of America departments or banking centers, by calling us at 0.000.000.0000. You may also write us at: Bank of America FL1-300-02-07 PO Box 25118 Tampa, FL 33622-5118 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Back to Top

Creating and Managing Users. You may authorize other users and control their scope of activities by designating user levels, access levels and account settings. You may add additional users to your Online Banking profile and provide each with a separate Online ID and passcode. You may designate the user level either as "user" (also sometimes referred to as sub-user) or "Administrator." An Administrator is a user who is able to create, edit and monitor other users. An Administrator is not eligible to enroll in other online business services or grant levels of access to other users that have not n ot been granted to the Administrator. For each user, you can designate which account(s) the user will have access to. You may also place limits on the types of transactions for each account the user is granted access to. For each account linked to your Online Banking profile, except for personal investment accounts you can designate each user's access level and account settings. Access Level (also sometimes referred to as Activity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access (also sometimes referred to as financial access of full access) to an account you will be allowing a user to transfer funds, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settings. View Access (also sometimes referred to as inquiry access or basic access) allows a user to only view account balances and activity, subject to the selected account or general service settings. Account settings are levels of access and transactional limits that you and/or an Administrator may select for each user. In addition to specifying Transactional, View, or No Access for a user of an account, you can also specify certain other account settings, including transaction limitations as provided on our web site. You may also designate certain "general service settings" which are global settings that may affect more than one account. These include Full Access Bill Pay, Payroll Services, Direct Payments and Express Invoicing. There are additional controls available for the Bill Pay option. If you select to enable Full Access Bill Pay for a user, that user will automatically have Transactional Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may however, designate limited access for a user of Bill Pay, which will permit the user to have transactional access for specific accounts and existing payees only. For the Bill Pay functionality, you may limit a user to use only certain specific accounts. For users of the Payroll. Direct Payments and Express Invoicing, only Transaction Access is available. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank of America departments or banking centers, by calling us at 0.000.000.0000. You may also write us at: Bank of America FL1-300-02-07 PO Box 25118 Tampa, FL 33622-5118 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Back to Top

Creating and Managing Users. You may authorize other users and control their scope of activities by designating user levels, access levels and account settings. You may add additional users to your Online Banking profile and provide each with a separate Online ID and passcode. You may designate the user level either as "user" (also sometimes referred to as sub-user) or "Administrator." An Administrator is a user who is able to create, edit and monitor other users. An Administrator is not eligible to enroll in other online business services or grant levels of access to other users that have not been granted to the Administrator. For each user, you can designate which account(s) the user will have access to. You may also place limits on the types of transactions for each account the user is granted access to. For each account linked to your Online Banking profile, except for personal investment accounts you can designate each user's access level and account settings. Access Level (also sometimes referred to as Activity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access (also sometimes referred to as financial access of full access) to an account you will be allowing a user to transfer funds, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settings. View Access (also sometimes referred to as inquiry access or basic access) allows a user to only view account balances and activity, subject to the selected account or general service settings. Account settings are levels of access and transactional limits that you and/or an Administrator may select for each user. In addition to specifying Transactional, View, or No Access for a user of an account, you can also specify s pecify certain other account settings, including transaction limitations as provided on our web site. You may also designate certain "general service settings" which are global settings that may affect more than one account. These include Full Access Bill Pay, Payroll Services, Direct Payments and Express Invoicing. There are additional controls available for the Bill Pay option. If you select to enable Full Access Bill Pay for a user, that user will automatically have Transactional Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may however, designate limited access for a user of Bill Pay, which will permit the user to have transactional access for specific spe cific accounts and existing payees only. For the Bill Pay functionality, you may limit a user to use only certain specific accounts. For users of the Payroll. Direct Payments and Express Invoicing, only Transaction Access is available. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank of America departments or banking centers, by calling us at 0.000.000.0000. You may also write us at: Bank of America FL1-300-02-07 PO Box 25118 Tampa, FL 33622-5118 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Back to Top

Creating and Managing Users. You may authorize other users and control their scope of activities by designating user levels, access levels and account settings. You may add additional users to your Online Banking profile and provide each with a separate Online ID and passcode. You may designate the user level either as "user" (also sometimes referred to as sub-user) or "Administrator." An Administrator is a user who is able to create, edit and monitor other users. An Administrator is not eligible to enroll in other online business services or grant levels of access to other users that have not been granted to the Administrator. For each user, you can designate which account(s) the user will have access to. You may also place limits on the types of transactions for each account the user is granted access to. For each account linked to your Online Banking profile, except for personal investment accounts you can designate each user's access level and account settings. Access Level (also sometimes referred to as Activity Activ ity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access (also sometimes referred to as financial access of full access) to an account you will be allowing a user to transfer funds, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settings. View Access (also sometimes referred to as inquiry access or basic access) allows a user to only view account balances and activity, subject to the selected account or general service settings. Account settings are levels of access and transactional limits that you and/or an Administrator may select for each user. In addition to specifying Transactional, View, or No Access for a user of an account, you can also specify certain other account settings, including transaction limitations as provided on our web site. You may also designate certain "general service settings" which are global settings that may affect more than one account. These include Full Access Bill Pay, Payroll Services, Direct Payments and Express Invoicing. There are additional controls available for the Bill Pay option. If you select to enable Full Access Bill Pay for a user, that user will automatically have Transactional Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may however, designate limited access for a user of Bill Pay, which will permit the user to have transactional access for specific accounts and existing payees only. For the Bill Pay functionality, you may limit a user to use only certain specific accounts. For users of the Payroll. Direct Payments and Express Invoicing, only Transaction Access is available. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank of America departments or banking centers, by calling us at 0.000.000.0000. You may also write us at: Bank of America FL1-300-02-07 PO Box 25118 Tampa, FL 33622-5118 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Back to Top

Creating and Managing Users. You must appoint an individual who will be named the Supervisor. The Supervisor must be an authorized signer on the Accounts. The Supervisor may authorize other users and control their scope of activities by designating user levels, access levels and account settings. You may add additional users to your Online Banking profile and provide each providing them with a separate Online Login ID and passcode. You may designate the user level either as "user" (also sometimes referred to as sub-user) or "Administrator." An Administrator is a user who is able to create, edit and monitor other users. An Administrator is not eligible to enroll in other online business services or grant levels of access to other users that have not been granted to the AdministratorPassword. For each user, the Business User Details are levels of access and transactional limits that the Supervisor may select for each user. In addition to specifying Deposit, Withdrawal, View or No Access for a user of an account, you can designate which account(s) also specify account settings that include transaction limitations and dual authorization.  Deposit Access - Allows the user will have access to. You may also place limits on the types of transactions for each account the user is granted access to. For each account linked to your Online Banking profile, except for personal investment accounts you can designate each user's access level and account settings. Access Level (also sometimes referred to as Activity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access (also sometimes referred to as financial access of full access) to an account you will be allowing a user to transfer fundsfunds into an account, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settings. View  Withdrawal Access (also sometimes referred to as inquiry access or basic access) allows a - Allows the user to only transfer funds out of the account, make payments, perform account maintenance, and view account balances and activityactivity on the account, subject to the selected account or general service settings. Account settings  View Access - Allows the user to view the account. They are levels of access and transactional limits that you and/or an Administrator may select for each userunable to initiate any transactions, subject to the selected account or general service settings.  No Access - The user will not be able to view the account. In addition to specifying Transactional, View, or No Access for a user of an accountdesignating general service settings, you can also specify certain other account settingsenable access to base features such as allowing a user to access mobile banking, including transaction limitations as provided on our web site. You may also designate certain "general service settings" which are global settings that may affect more than one account. These include Full Access Bill Paymobile deposit service, Payroll Servicesreorder checks, Direct Payments view statements, view check images, initiate stop payments, view documents being delivered through Electronic Document Delivery and Express Invoicing. There are additional controls available for the Bill Pay optionbill pay. If you select to enable Full Access “Allow Bill Pay Payment Access” for a user, that user will automatically have Transactional Withdrawal Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may however, designate limited If the Supervisor no longer has authority to access for a user of Bill Pay, which will permit the user to have transactional access for specific accounts and existing payees only. For the Bill Pay functionalityBusiness Online Banking, you may limit a user to use only certain specific accounts. For users of the Payroll. Direct Payments and Express Invoicing, only Transaction Access is available. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking the Bank of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank of America departments or banking centers, by calling You may contact us at 0.000.000.0000as indicated under Section CONTACT US. You may also write us at: Bank assume sole responsibility for the actions of America FL1-300-02-07 PO Box 25118 Tampayour Supervisor, FL 33622-5118 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers the authority he or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity she gives users to act on that notice. Back your behalf, and the actions of the users designated by the Supervisor to Topuse the Services.

Creating and Managing Users. You may authorize other users and control their scope of activities by designating user levels, access levels and account settings. You may add additional users to your Online Digital Banking profile and provide each with a separate Online Digital ID and passcode. You may designate the user level either as "as, “user" ” (also sometimes referred to as sub-sub- user) or "“Administrator." ” An Administrator is a user who is able to create, create additional users and to edit and monitor other users. An Administrator is not eligible to enroll in other online digital business services or grant levels of access to other users that have not been granted to the Administrator. For each user, you can designate which account(s) the user will have access to. You may also place limits on the types of transactions for each account assigned to the user is granted access touser. For each account linked to your Online Digital Banking profile, except for personal investment accounts accounts, you can designate each user's ’s access level and account settings. Access Level level (also sometimes referred to as Activity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access Access (also sometimes referred to as financial access of or full access) to an account you will be allowing a user to transfer funds, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settingssetting. View Access (also sometimes referred to as inquiry access or basic access) allows a user to only view account balances and activity, subject to the selected account or general service settings. Account settings are levels of access and transactional limits that you and/or an Administrator may select for each user. In addition to specifying Transactional, View, or No Access for a user of an account, you can also specify certain other account settings, including transaction limitations as provided on our web site. You may also designate certain "“general service settings" ,” which are global settings that may affect more than one account. These include Full Access Bill Pay, Payroll Services, Direct Payments and Express Invoicing. There are additional controls available for the Bill Pay option. If you select to enable Full Access Bill Pay for a user, that user will automatically have Transactional Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may may, however, designate limited access daily transaction limits for a user of Bill Paypay, which will permit the user to have transactional access, you are unable to restrict access for specific accounts and existing payees only. For the Bill Pay functionality, you may limit a user to use only certain specific accounts. For users of the Payroll. Direct Payments and Express Invoicing, only Transaction Access is availablepayees. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts accounts, such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom who you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking the Bank of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Crossroads Bank of America departments or banking centers, by calling us at 0.000.000.0000000-000-0000 or 0-000-000-0000. You may also write us at: Crossroads Bank of America FL10000 X Xxxx Xx P.O. Box 259 Wabash, IN 46992 Fax: 000-300000-02-07 PO Box 25118 Tampa, FL 33622-5118 0000 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Back to Top.

Creating and Managing Users. You may authorize other users and control their scope of activities by designating user levels, access levels and account settings. You may add additional users to your Online Banking profile and provide each with a separate Online ID and passcode. You may designate the user level either as "user" (also sometimes referred to as sub-user) or "Administrator." An Administrator is a user who is able to create, edit and monitor other users. An Administrator is not eligible to enroll in other online business services or grant levels of access to other users that have not been granted to the Administrator. For each user, you can designate which account(s) the user will have access to. You may also place limits on the types of transactions for each account the user is granted access to. For each account linked to your Online Banking profile, except for personal investment accounts you can designate each user's access level and account settings. Access Level (also sometimes referred to as Activity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access (also sometimes referred to as financial access of full access) to an account you will be allowing a user to transfer funds, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settings. View Access (also sometimes referred to as inquiry access or basic access) allows a user to only view account balances and activity, subject to the selected account or general service settings. Account settings are levels of access and transactional limits that you and/or an Administrator may select for each user. In addition to specifying Transactional, View, or No Access for a user of an account, you can also specify certain other account settings, including transaction limitations as provided on our web site. You may also designate certain "general service settings" which are global settings that may affect more than one account. These include Full Access Bill Pay, Payroll Services, Direct Payments and Express Invoicing. There are additional controls available for the Bill Pay option. If you select to enable Full Access Bill Pay for a user, that user will automatically have Transactional Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may however, designate limited access for a user of Bill Pay, which will permit the user to have transactional access for specific accounts and existing payees only. For the Bill Pay functionality, you may limit a user to use only certain specific accounts. For users of the Payroll. Direct Payments and Express Invoicing, only Transaction Access is available. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other Bank of America departments or banking centers, by calling us at 0.000.000.0000000.000.0000. You may also write us at: Bank of America FL1-300-02-07 PO Box 25118 Tampa, FL 33622-5118 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Back to Top

Creating and Managing Users. You may authorize other users and control their scope of activities by designating user levels, access levels levels, and account settings. You may add additional users to your Online Banking profile and provide each with a separate Online ID and passcodepassword. You may designate the user level either as "as, “user" ” (also sometimes referred to as sub-user) or "“Administrator." ” An Administrator is a user who is able to create, create additional users and to edit and monitor other users. An Administrator is not eligible to enroll in other online business services or grant levels of access to other users that have not been granted to the Administrator. For each user, you can designate which account(s) the user will have access to. You may also place limits on the types of transactions for each account the user is granted access to. For each account linked to your Online Banking profile, except for personal investment accounts accounts, you can designate each user's ’s access level and account settings. Access Level (also sometimes referred to as Activity Level) means either Transactional Access, View Access or No Access. You agree that users have Transactional Access, unless otherwise specified by you or an Administrator. You agree that by granting Transactional access Access (also sometimes referred to as financial access of or full access) to an account you will be allowing a user to transfer funds, make payments, perform account maintenance, and view account balances and activity on the account, subject to the selected account or general service settings. View Access (also sometimes referred to as inquiry access or basic access) allows a user to only view account balances and activity, subject to the selected account or general service settings. Account settings are levels of access and transactional limits that you and/or an Administrator may select for each user. In addition to specifying Transactional, View, or No Access for a user of an account, you can also specify certain other account settings, including transaction limitations as provided on our web site. You may also designate certain "“general service settings" ,” which are global settings that may affect more than one account. These include Full Access Bill Pay, Payroll Services, Pay and Direct Payments and Express InvoicingPayments. There are additional controls available for the Bill Pay option. If you select to enable Full Access Bill Pay for a user, that user will automatically have Transactional Access to all the accounts that you have set up for Bill Pay, and the user will be able to pay bills using the Bill Pay feature and set up new payees. You may may, however, designate limited access for a user of Bill Paypay, which will permit the user to have transactional access for specific accounts and existing payees only. For the Bill Pay functionality, you may limit a user to use only certain specific specified accounts. For users of the Payroll. Direct Payments and Express InvoicingPayments, only Transaction Access is available. In addition to designating general service settings, you can also provide additional account settings on certain eligible accounts accounts, such as allowing a user to view statements, view check images or make transfers for the selected accounts. Any user to whom you have given transfer ability will be able to see the last name and last 4 digits of account number for all transfer recipients created by you, an Administrator or any other user, even those that the user did not initiate. If you no longer are a person authorized on the signature card for each linked account to designate signers for each such account, the business has the obligation to inform Business Online Banking of the new individual or individuals with such authority. Such notice must be given separately from any other notices given to other 1st Capital Bank of America departments or banking centers, by calling you may call us at 0.000.000.0000the phone number and hours or write to us using the contact information shown on the top of the Agreement. You may also write us at: Bank of America FL1-300-02-07 PO Box 25118 Tampa, FL 33622-5118 You are responsible for (and we will have no liability to you for) any unauthorized payments, transfers or other transactions performed on any account linked to this service that are made by a designated user or Administrator using the Passcodes Passwords you or an Administrator assign, and that occur before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice. Back to Top.