Common use of Customer Security Responsibilities Clause in Contracts

Customer Security Responsibilities. You are solely responsible for controlling the safekeeping of your Online Banking Username and Password, and other means of access to the Services including your Account numbers, Online Banking, and Mobile Banking. You agree not to give out or make available your Online Banking Username or Password, or other security or access tools as applicable and as necessary to access your Account to any unauthorized individuals. The determination of authorized individuals is dependent upon the type of account and the online system being used as described below. Regardless of the type of account and the online system being used, you are responsible for all Payment transactions, including Zelle transactions, authorized by you or by anyone to whom you provide access to your Online Services and Accounts. You are liable for all transactions, including Online Bill Payment transactions and Zelle transactions, you make or that you authorize another person to make even if that person exceeds his or her authority. a. Access to the system must be managed differently dependent upon which Online Banking service you are using. For Single User online banking, the Bank will issue an Online Banking Username and Password to the account owner who is responsible for the protection of the Online Banking Username and Password to ensure that only account owners are provided access to the account via the Single User online system. For Business Online Banking, please see Part 4 – Business Account Terms and Conditions for security requirements. b. The use of the Online Banking Username and Password and your Mobile Device is a security control established by the Bank to authenticate the identity of the person attempting to gain access to the Service. This security is not designed for the detection of errors and we make no representation or warranty as to the security of the information. We may require you to change your Online Banking Username and Password from time to time for any reason. You should keep your Online Banking Username and Password in a secure location. Any person having access to your Online Banking Username and Password will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Pay Services and Zelle Services. With this Online Banking Username and Password, a third party will be able to use your Online Banking Service to add new payees to the Bill Pay Service and to the Zelle service. YOU ARE RESPONSIBLE FOR SAFEGUARDING THE ONLINE BANKING USERNAME AND PASSWORD AND YOUR MOBILE DEVICE. PROVIDING THE ONLINE BANKING USERNAME AND PASSWORD TO ANOTHER PERSON EFFECTIVELY CONSTITUTES A GRANT OF AUTHORITY TO ACCESS YOUR ACCOUNTS UNDER FEDERAL RESERVE BOARD REGULATION E (“REG E”). i. You agree to comply with these ”Customer Security Responsibilities” and any other security steps the Bank directs you to use, and you acknowledge and agree that the Customer Security Responsibilities, including (without limitation) the management of any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with account access security (“Security Devices”), constitute commercially reasonable responsibilities under Applicable Law for the initiation of transfers and access to confidential customer information. You authorize us to follow any and all instructions entered and transactions initiated unless and until you have notified us, according to notification procedures prescribed by us, that there was a breach or exception in the Customer Security Responsibilities 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 unless and until you have notified us of a breach of exception to Customer Security Responsibilities, according to notification procedures prescribed by us, the initiation of a transaction using an Online Banking Username on the system constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account(s) maintained with Bank, and you agree and intend that the submission of transactions and instructions shall be considered the same as your written signature in authorizing us to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions initiated, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Customer Security Responsibilities are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such errors. ii. You agree to follow all Customer Security Responsibilities and keep all 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 access to the system or Security Devices to any unauthorized person. Where you have the ability to change or modify security criteria from time to time (e.g., a password or User Name), you agree to change your password and, where applicable, instruct other individuals to change their password frequently in order to ensure the security of your Account(s). You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Online Banking Username and Password or other account access information has been stolen 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, suspected or threatened breach of security, we may issue you a new Online Banking Username and Password or other security information as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. iii. We reserve the right to modify, amend, supplement, or cancel any or all account access via the system, and/or to cancel or replace any Security information, including Online Banking Username and Password, at any time and from time to time in our discretion. We will endeavor to give you reasonable notice of any change in account access or security controls; provided that we may make any change 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 your information, your accounts, our systems or our assets. Your implementation and use of any changed security controls after any change in those controls shall constitute your agreement to the change and your agreement that the security controls, as changed, are commercially reasonable and adequate for the purposes intended. iv. Because the Mobile Banking Service is similar to Online Banking on a personal computer, there are security risks associated with the use of the Service. The hardware and software that you use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by Applicable Law. v. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as “phishing” or “pharming”). You acknowledge that, other than at the time you are registering for this Service, the Bank will never contact you by e-mail or text message in order to ask for or to verify Account numbers, Online Banking Username and Password, Security Devices, or any sensitive or confidential information. In the event you receive an e-mail, text message, or other electronic communication that you believe, or have reason to believe, is fraudulent, you agree that you shall not respond to the communication, provide any information to the sender of the communication, click on any links in the communication, or otherwise comply with any instructions in the communication. To the extent allowed by law, you agree that the Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or internet fraud.

Customer Security Responsibilities. You are solely responsible for controlling the safekeeping of your Online Banking Username and Password, and other means of access to the Services including your Account numbers, Online Banking, and Mobile Banking. You agree not to give out or make available your Online Banking Username or Password, or other security or access tools as applicable and as necessary to access your Account to any unauthorized individuals. The determination of authorized individuals is dependent upon the type of account and the online system being used as described below. Regardless of the type of account and the online system being used, you are responsible for all Payment transactions, including Zelle transactions, authorized by you or by anyone to whom you provide access to your Online Services and Accounts. You are liable for all transactions, including Online Bill Xxxx Payment transactions and Zelle transactions, you make or that you authorize another person to make even if that person exceeds his or her authority. a. Access to the system must be managed differently dependent upon which Online Banking service you are using. For Single User online banking, the Bank will issue an Online Banking Username and Password to the account owner who is responsible for the protection of the Online Banking Username and Password to ensure that only account owners are provided access to the account via the Single User online system. For Business Online Banking, please see Part 4 – Business Account Terms and Conditions for security requirements. b. The use of the Online Banking Username and Password and your Mobile Device is a security control established by the Bank to authenticate the identity of the person attempting to gain access to the Service. This security is not designed for the detection of errors and we make no representation or warranty as to the security of the information. We may require you to change your Online Banking Username and Password from time to time for any reason. You should keep your Online Banking Username and Password in a secure location. Any person having access to your Online Banking Username and Password will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Xxxx Pay Services and Zelle Services. With this Online Banking Username and Password, a third party will be able to use your Online Banking Service to add new payees to the Bill Xxxx Pay Service and to the Zelle service. YOU ARE RESPONSIBLE FOR SAFEGUARDING THE ONLINE BANKING USERNAME AND PASSWORD AND YOUR MOBILE DEVICE. PROVIDING THE ONLINE BANKING USERNAME AND PASSWORD TO ANOTHER PERSON EFFECTIVELY CONSTITUTES A GRANT OF AUTHORITY TO ACCESS YOUR ACCOUNTS UNDER FEDERAL RESERVE BOARD REGULATION E (“REG E”). i. You agree to comply with these ”Customer Security Responsibilities” and any other security steps the Bank directs you to use, and you acknowledge and agree that the Customer Security Responsibilities, including (without limitation) the management of any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with account access security (“Security Devices”), constitute commercially reasonable responsibilities under Applicable Law for the initiation of transfers and access to confidential customer information. You authorize us to follow any and all instructions entered and transactions initiated unless and until you have notified us, according to notification procedures prescribed by us, that there was a breach or exception in the Customer Security Responsibilities 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 unless and until you have notified us of a breach of exception to Customer Security Responsibilities, according to notification procedures prescribed by us, the initiation of a transaction using an Online Banking Username on the system constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account(s) maintained with Bank, and you agree and intend that the submission of transactions and instructions shall be considered the same as your written signature in authorizing us to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions initiated, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Customer Security Responsibilities are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such errors. ii. You agree to follow all Customer Security Responsibilities and keep all 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 access to the system or Security Devices to any unauthorized person. Where you have the ability to change or modify security criteria from time to time (e.g., a password or User Name), you agree to change your password and, where applicable, instruct other individuals to change their password frequently in order to ensure the security of your Account(s). You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Online Banking Username and Password or other account access information has been stolen 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, suspected or threatened breach of security, we may issue you a new Online Banking Username and Password or other security information as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. iii. We reserve the right to modify, amend, supplement, or cancel any or all account access via the system, and/or to cancel or replace any Security information, including Online Banking Username and Password, at any time and from time to time in our discretion. We will endeavor to give you reasonable notice of any change in account access or security controls; provided that we may make any change 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 your information, your accounts, our systems or our assets. Your implementation and use of any changed security controls after any change in those controls shall constitute your agreement to the change and your agreement that the security controls, as changed, are commercially reasonable and adequate for the purposes intended. iv. Because the Mobile Banking Service is similar to Online Banking on a personal computer, there are security risks associated with the use of the Service. The hardware and software that you use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by Applicable Law. v. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as “phishing” or “pharming”). You acknowledge that, other than at the time you are registering for this Service, the Bank will never contact you by e-mail or text message in order to ask for or to verify Account numbers, Online Banking Username and Password, Security Devices, or any sensitive or confidential information. In the event you receive an e-mail, text message, or other electronic communication that you believe, or have reason to believe, is fraudulent, you agree that you shall not respond to the communication, provide any information to the sender of the communication, click on any links in the communication, or otherwise comply with any instructions in the communication. To the extent allowed by law, you agree that the Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or internet fraud.

Customer Security Responsibilities. You are solely responsible for controlling the safekeeping of your Online Banking Username and Password, and other means of access to the Services including your Account numbers, Online Banking, and Mobile Banking. You agree not to give out or make available your Online Banking Username or Password, or other security or access tools as applicable and as necessary to access your Account to any unauthorized individuals. The determination of authorized individuals is dependent upon the type of account and the online system being used as described below. Regardless of the type of account and the online system being used, you are responsible for all Payment transactions, including Zelle Zelle® transactions, authorized by you or by anyone to whom you provide access to your Online Services and Accounts. You are liable for all transactions, including Online Bill Payment transactions and Zelle Zelle® transactions, you make or that you authorize another person to make even if that person exceeds his or her authority. a. Access to the system must be managed differently dependent upon which Online Banking service you are using. For Single User online banking, the Bank will issue an Online Banking Username and Password to the account owner who is responsible for the protection of the Online Banking Username and Password to ensure that only account owners are provided access to the account via the Single User online system. For Business Online Banking, please see Part 4 – Business Account Terms and Conditions for security requirements. b. The use of the Online Banking Username and Password and your Mobile Device is a security control established by the Bank to authenticate the identity of the person attempting to gain access to the Service. This security is not designed for the detection of errors and we make no representation or warranty as to the security of the information. We may require you to change your Online Banking Username and Password from time to time for any reason. You should keep your Online Banking Username and Password in a secure location. Any person having access to your Online Banking Username and Password will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Pay Services and Zelle Zelle® Services. With this Online Banking Username and Password, a third party will be able to use your Online Banking Service to add new payees to the Bill Pay Service and to the Zelle Zelle® service. YOU ARE RESPONSIBLE FOR SAFEGUARDING THE ONLINE BANKING USERNAME AND PASSWORD AND YOUR MOBILE DEVICE. PROVIDING THE ONLINE BANKING USERNAME AND PASSWORD TO ANOTHER PERSON EFFECTIVELY CONSTITUTES A GRANT OF AUTHORITY TO ACCESS YOUR ACCOUNTS UNDER FEDERAL RESERVE BOARD REGULATION E (“REG E”). i. You agree to comply with these ”Customer Security Responsibilities” and any other security steps the Bank directs you to use, and you acknowledge and agree that the Customer Security Responsibilities, including (without limitation) the management of any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with account access security (“Security Devices”), constitute commercially reasonable responsibilities under Applicable Law for the initiation of transfers and access to confidential customer information. You authorize us to follow any and all instructions entered and transactions initiated unless and until you have notified us, according to notification procedures prescribed by us, that there was a breach or exception in the Customer Security Responsibilities 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 unless and until you have notified us of a breach of exception to Customer Security Responsibilities, according to notification procedures prescribed by us, the initiation of a transaction using an Online Banking Username on the system constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account(s) maintained with Bank, and you agree and intend that the submission of transactions and instructions shall be considered the same as your written signature in authorizing us to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions initiated, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Customer Security Responsibilities are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such errors. ii. You agree to follow all Customer Security Responsibilities and keep all 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 access to the system or Security Devices to any unauthorized person. Where you have the ability to change or modify security criteria from time to time (e.g., a password or User Name), you agree to change your password and, where applicable, instruct other individuals to change their password frequently in order to ensure the security of your Account(s). You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Online Banking Username and Password or other account access information has been stolen 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, suspected or threatened breach of security, we may issue you a new Online Banking Username and Password or other security information as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. iii. We reserve the right to modify, amend, supplement, or cancel any or all account access via the system, and/or to cancel or replace any Security information, including Online Banking Username and Password, at any time and from time to time in our discretion. We will endeavor to give you reasonable notice of any change in account access or security controls; provided that we may make any change 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 your information, your accounts, our systems or our assets. Your implementation and use of any changed security controls after any change in those controls shall constitute your agreement to the change and your agreement that the security controls, as changed, are commercially reasonable and adequate for the purposes intended. iv. Because the Mobile Banking Service is similar to Online Banking on a personal computer, there are security risks associated with the use of the Service. The hardware and software that you use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by Applicable Law. v. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as “phishing” or “pharming”). You acknowledge that, other than at the time you are registering for this Service, the Bank will never contact you by e-mail or text message in order to ask for or to verify Account numbers, Online Banking Username and Password, Security Devices, or any sensitive or confidential information. In the event you receive an e-mail, text message, or other electronic communication that you believe, or have reason to believe, is fraudulent, you agree that you shall not respond to the communication, provide any information to the sender of the communication, click on any links in the communication, or otherwise comply with any instructions in the communication. To the extent allowed by law, you agree that the Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or internet fraud.

Customer Security Responsibilities. You are solely responsible for controlling the safekeeping of your Online Banking Username ID and Password, and other means of access to the Services including your Account numbers, Online Banking, and Mobile Banking. You agree not to give out or make available your Online Banking Username ID or Password, or other security or access tools as applicable and as necessary to access your Account to any unauthorized individuals. The determination of authorized individuals is dependent upon the type of account and the online system being used as described below. Regardless of the type of account and the online system being used, you are responsible for all Payment transactions, including Zelle transactions, authorized by you or by anyone to whom you provide access to your Online Services and Accounts. You are liable for all transactions, including Online Bill Payment transactions and Zelle transactions, you make or that you authorize another person to make even if that person exceeds his or her authority. a. Access to the system must be managed differently dependent upon which Online Banking service you are using. For Single User online banking, the Bank will issue an Online Banking Username ID and Password to the account owner who is responsible for the protection of the Online Banking Username ID and Password to ensure that only account owners are provided access to the account via the Single User online system. For Business Online Banking, please see Part 4 – Business Account Terms and Conditions for security requirements. b. The use of the Online Banking Username ID and Password and your Mobile Device is a security control established by the Bank to authenticate the identity of the person attempting to gain access to the Service. This security is not designed for the detection of errors and we make no representation or warranty as to the security of the information. We may require you to change your Online Banking Username ID and Password from time to time for any reason. You should keep your Online Banking Username ID and Password in a secure location. Any person having access to your Online Banking Username ID and Password will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Pay Services and Zelle Services. With this Online Banking Username ID and Password, a third party will be able to use your Online Banking Service to add new payees to the Bill Pay Service and to the Zelle service. YOU ARE RESPONSIBLE FOR SAFEGUARDING THE ONLINE BANKING USERNAME ID AND PASSWORD AND YOUR MOBILE DEVICE. PROVIDING THE ONLINE BANKING USERNAME ID AND PASSWORD TO ANOTHER PERSON EFFECTIVELY CONSTITUTES A GRANT OF AUTHORITY TO ACCESS YOUR ACCOUNTS UNDER FEDERAL RESERVE BOARD REGULATION E (“REG E”). i. You agree to comply with these ”Customer Security Responsibilities” and any other security steps the Bank directs you to use, and you acknowledge and agree that the Customer Security Responsibilities, including (without limitation) the management of any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with account access security (“Security Devices”), constitute commercially reasonable responsibilities under Applicable Law for the initiation of transfers and access to confidential customer information. You authorize us to follow any and all instructions entered and transactions initiated unless and until you have notified us, according to notification procedures prescribed by us, that there was a breach or exception in the Customer Security Responsibilities 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 unless and until you have notified us of a breach of exception to Customer Security Responsibilities, according to notification procedures prescribed by us, the initiation of a transaction using an Online Banking Username ID on the system constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account(s) maintained with Bank, and you agree and intend that the submission of transactions and instructions shall be considered the same as your written signature in authorizing us to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions initiated, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Customer Security Responsibilities are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such errors. ii. You agree to follow all Customer Security Responsibilities and keep all 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 access to the system or Security Devices to any unauthorized person. Where you have the ability to change or modify security criteria from time to time (e.g., a password or User Name), you agree to change your password and, where applicable, instruct other individuals to change their password frequently in order to ensure the security of your Account(s). You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Online Banking Username ID and Password or other account access information has been stolen 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, suspected or threatened breach of security, we may issue you a new Online Banking Username ID and Password or other security information as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. iii. We reserve the right to modify, amend, supplement, or cancel any or all account access via the system, and/or to cancel or replace any Security information, including Online Banking Username ID and Password, at any time and from time to time in our discretion. We will endeavor to give you reasonable notice of any change in account access or security controls; provided that we may make any change 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 your information, your accounts, our systems or our assets. Your implementation and use of any changed security controls after any change in those controls shall constitute your agreement to the change and your agreement that the security controls, as changed, are commercially reasonable and adequate for the purposes intended. iv. Because the Mobile Banking Service is similar to Online Banking on a personal computer, there are security risks associated with the use of the Service. The hardware and software that you use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by Applicable Law. v. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as “phishing” or “pharming”). You acknowledge that, other than at the time you are registering for this Service, the Bank will never contact you by e-mail or text message in order to ask for or to verify Account numbers, Online Banking Username ID and Password, Security Devices, or any sensitive or confidential information. In the event you receive an e-mail, text message, or other electronic communication that you believe, or have reason to believe, is fraudulent, you agree that you shall not respond to the communication, provide any information to the sender of the communication, click on any links in the communication, or otherwise comply with any instructions in the communication. To the extent allowed by law, you agree that the Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or internet fraud.

Customer Security Responsibilities. You are solely responsible for controlling the safekeeping of your Online Banking Username ID and Password, and other means of access to the Services including your Account numbers, Online Banking, and Mobile Banking. You agree not to give out or make available your Online Banking Username ID or Password, or other security or access tools as applicable and as necessary to access your Account to any unauthorized individuals. The determination of authorized individuals is dependent upon the type of account and the online system being used as described below. Regardless of the type of account and the online system being used, you are responsible for all Payment transactions, including Zelle transactions, transactions authorized by you or by anyone to whom you provide access to your Online Services and Accounts. You are liable for all transactions, including Online Bill Xxxx Payment transactions and Zelle transactions, you make or that you authorize another person to make even if that person exceeds his or her authority. a. Access to the system must be managed differently dependent upon which Online Banking service you are using. For Single User online banking, the Bank will issue an Online Banking Username ID and Password to the account owner who is responsible for the protection of the Online Banking Username ID and Password to ensure that only account owners are provided access to the account via the Single User online system. For Business Online Banking, please see Part 4 – Business Account Terms and Conditions for security requirements. b. The use of the Online Banking Username ID and Password and your Mobile Device is a security control established by the Bank to authenticate the identity of the person attempting to gain access to the Service. This security is not designed for the detection of errors and we make no representation or warranty as to the security of the information. We may require you to change your Online Banking Username ID and Password from time to time for any reason. You should keep your Online Banking Username ID and Password in a secure location. Any person having access to your Online Banking Username ID and Password will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Xxxx Pay Services and Zelle Services. With this Online Banking Username ID and Password, a third party will be able to use your Online Banking Service to add new payees to the Bill Xxxx Pay Service and to the Zelle serviceService. YOU ARE RESPONSIBLE FOR SAFEGUARDING THE ONLINE BANKING USERNAME ID AND PASSWORD AND YOUR MOBILE DEVICE. PROVIDING THE ONLINE BANKING USERNAME ID AND PASSWORD TO ANOTHER PERSON EFFECTIVELY CONSTITUTES A GRANT OF AUTHORITY TO ACCESS YOUR ACCOUNTS UNDER FEDERAL RESERVE BOARD REGULATION E (“REG E”). i. You agree to comply with these ”Customer Security Responsibilities” and any other security steps the Bank directs you to use, and you acknowledge and agree that the Customer Security Responsibilities, including (without limitation) the management of any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with account access security (“Security Devices”), constitute commercially reasonable responsibilities under Applicable Law for the initiation of transfers and access to confidential customer information. You authorize us to follow any and all instructions entered and transactions initiated unless and until you have notified us, according to notification procedures prescribed by us, that there was a breach or exception in the Customer Security Responsibilities 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 unless and until you have notified us of a breach of exception to Customer Security Responsibilities, according to notification procedures prescribed by us, the initiation of a transaction using an Online Banking Username ID on the system constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account(s) maintained with Bank, and you agree and intend that the submission of transactions and instructions shall be considered the same as your written signature in authorizing us to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions initiated, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Customer Security Responsibilities are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such errors. ii. You agree to follow all Customer Security Responsibilities and keep all 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 access to the system or Security Devices to any unauthorized person. Where you have the ability to change or modify security criteria from time to time (e.g., a password or User Name), you agree to change your password and, where applicable, instruct other individuals to change their password frequently in order to ensure the security of your Account(s). You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Online Banking Username ID and Password or other account access information has been stolen 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, suspected or threatened breach of security, we may issue you a new Online Banking Username ID and Password or other security information as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. iii. We reserve the right to modify, amend, supplement, or cancel any or all account access via the system, and/or to cancel or replace any Security information, including Online Banking Username ID and Password, at any time and from time to time in our discretion. We will endeavor to give you reasonable notice of any change in account access or security controls; provided that we may make any change 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 your information, your accounts, our systems or our assets. Your implementation and use of any changed security controls after any change in those controls shall constitute your agreement to the change and your agreement that the security controls, as changed, are commercially reasonable and adequate for the purposes intended. iv. Because the Mobile Banking Service is similar to Online Banking on a personal computer, there are security risks associated with the use of the Service. The hardware and software that you use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by Applicable Law. v. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as “phishing” or “pharming”). You acknowledge that, other than at the time you are registering for this Service, the Bank will never contact you by e-mail or text message in order to ask for or to verify Account numbers, Online Banking Username ID and Password, Security Devices, or any sensitive or confidential information. In the event you receive an e-mail, text message, or other electronic communication that you believe, or have reason to believe, is fraudulent, you agree that you shall not respond to the communication, provide any information to the sender of the communication, click on any links in the communication, or otherwise comply with any instructions in the communication. To the extent allowed by law, you agree that the Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or internet fraud.

Customer Security Responsibilities. You are solely responsible for controlling the safekeeping of your Online Banking Username ID and Password, and other means of access to the Services including your Account numbers, Online Banking, and Mobile Banking. You agree not to give out or make available your Online Banking Username ID or Password, or other security or access tools as applicable and as necessary to access your Account to any unauthorized individuals. The determination of authorized individuals is dependent upon the type of account and the online system being used as described below. Regardless of the type of account and the online system being used, you are responsible for all Payment transactions, including Zelle transactions, authorized by you or by anyone to whom you provide access to your Online Services and Accounts. You are liable for all transactions, including Online Bill Xxxx Payment transactions and Zelle transactions, you make or that you authorize another person to make even if that person exceeds his or her authority. a. Access to the system must be managed differently dependent upon which Online Banking service you are using. For Single User online banking, the Bank will issue an Online Banking Username ID and Password to the account owner who is responsible for the protection of the Online Banking Username ID and Password to ensure that only account owners are provided access to the account via the Single User online system. For Business Online Banking, please see Part 4 – Business Account Terms and Conditions for security requirements. b. The use of the Online Banking Username ID and Password and your Mobile Device is a security control established by the Bank to authenticate the identity of the person attempting to gain access to the Service. This security is not designed for the detection of errors and we make no representation or warranty as to the security of the information. We may require you to change your Online Banking Username ID and Password from time to time for any reason. You should keep your Online Banking Username ID and Password in a secure location. Any person having access to your Online Banking Username ID and Password will be able to access these Services and perform all transactions, including reviewing Account information and using the Bill Xxxx Pay Services and Zelle Services. With this Online Banking Username ID and Password, a third party will be able to use your Online Banking Service to add new payees to the Bill Xxxx Pay Service and to the Zelle service. YOU ARE RESPONSIBLE FOR SAFEGUARDING THE ONLINE BANKING USERNAME ID AND PASSWORD AND YOUR MOBILE DEVICE. PROVIDING THE ONLINE BANKING USERNAME ID AND PASSWORD TO ANOTHER PERSON EFFECTIVELY CONSTITUTES A GRANT OF AUTHORITY TO ACCESS YOUR ACCOUNTS UNDER FEDERAL RESERVE BOARD REGULATION E (“REG E”). i. You agree to comply with these ”Customer Security Responsibilities” and any other security steps the Bank directs you to use, and you acknowledge and agree that the Customer Security Responsibilities, including (without limitation) the management of any code, password, personal identification number, user identification technology, token, certificate, or other element, means, or method of authentication or identification used in connection with account access security (“Security Devices”), constitute commercially reasonable responsibilities under Applicable Law for the initiation of transfers and access to confidential customer information. You authorize us to follow any and all instructions entered and transactions initiated unless and until you have notified us, according to notification procedures prescribed by us, that there was a breach or exception in the Customer Security Responsibilities 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 unless and until you have notified us of a breach of exception to Customer Security Responsibilities, according to notification procedures prescribed by us, the initiation of a transaction using an Online Banking Username ID on the system constitutes sufficient authorization for Bank to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account(s) maintained with Bank, and you agree and intend that the submission of transactions and instructions shall be considered the same as your written signature in authorizing us to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions initiated, whether authorized or unauthorized, and by any and all transactions and activity otherwise initiated by you, to the fullest extent allowed by law. You further acknowledge and agree that the Customer Security Responsibilities are not designed to detect error in the transmission or content of communications or transaction initiated by you and that you bear the sole responsibility for detecting and preventing such errors. ii. You agree to follow all Customer Security Responsibilities and keep all 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 access to the system or Security Devices to any unauthorized person. Where you have the ability to change or modify security criteria from time to time (e.g., a password or User Name), you agree to change your password and, where applicable, instruct other individuals to change their password frequently in order to ensure the security of your Account(s). You agree to notify us immediately, according to notification procedures prescribed by us, if you believe that any Online Banking Username ID and Password or other account access information has been stolen 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, suspected or threatened breach of security, we may issue you a new Online Banking Username ID and Password or other security information as soon as reasonably practicable, but we shall not be liable to you or any third party for any delay in taking such actions. iii. We reserve the right to modify, amend, supplement, or cancel any or all account access via the system, and/or to cancel or replace any Security information, including Online Banking Username ID and Password, at any time and from time to time in our discretion. We will endeavor to give you reasonable notice of any change in account access or security controls; provided that we may make any change 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 your information, your accounts, our systems or our assets. Your implementation and use of any changed security controls after any change in those controls shall constitute your agreement to the change and your agreement that the security controls, as changed, are commercially reasonable and adequate for the purposes intended. iv. Because the Mobile Banking Service is similar to Online Banking on a personal computer, there are security risks associated with the use of the Service. The hardware and software that you use in connection with the Service may be subject to unauthorized tracking or other manipulation by spyware or other malicious code. We are not responsible for advising you of the existence or potential effect of such malicious code, and your use of your hardware and software is at your own risk. We will use commercially reasonable efforts to secure the Service to prevent access by unauthorized persons and to prevent the introduction of any malicious code, such as a computer virus. However, no security system is failsafe, and despite our efforts the security of the Service could be compromised or malicious code could be introduced by third parties. We will provide you with notice if your information is the subject of a security breach as required by Applicable Law. v. You acknowledge and agree that it is your responsibility to protect yourself and to be vigilant against e-mail and/or text messaging fraud and other internet frauds and schemes (including, without limitation, fraud commonly referred to as “phishing” or “pharming”). You acknowledge that, other than at the time you are registering for this Service, the Bank will never contact you by e-mail or text message in order to ask for or to verify Account numbers, Online Banking Username ID and Password, Security Devices, or any sensitive or confidential information. In the event you receive an e-mail, text message, or other electronic communication that you believe, or have reason to believe, is fraudulent, you agree that you shall not respond to the communication, provide any information to the sender of the communication, click on any links in the communication, or otherwise comply with any instructions in the communication. To the extent allowed by law, you agree that the Bank is not responsible for any losses, injuries, or harm incurred by you as a result of any electronic, e-mail, text message or internet fraud.