Common use of ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD Clause in Contracts

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet banking, mobile banking or to make electronic bill payments - the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet Online banking, mobile banking or to make electronic bill payments - – the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet banking, mobile banking or to make electronic bill payments - the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidentialconfidential ; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet Online banking, mobile banking or to make electronic bill payments - – the Bank’s Financial Services Terms applies apply if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet Online banking, mobile banking or to make electronic bill payments - – the Bank’s Financial Services Terms applies apply if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORDPASSWORD‌ This section applies when you use a Card or the Account including if we allow you to access or use the Card or the Account with a personal identification code such as a Personal Identification Number (PIN) or Connect ID, password, pass code or identification code or other credentials (all together the Password), through a terminal, including one that accepts contactless payment cards, or other machine such as an ATM, telephone, the Internet, or other electronic service including a mobile device. a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet banking, mobile banking or to make electronic bill payments - the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Elecfronic Financial Services Agreement Agreemenf applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet banking, mobile banking or to make electronic bill payments - the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Elecfronic Financial Services Agreement Agreemenf applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet banking, mobile banking or to make electronic bill payments - – the Bank’s Financial Services Terms applies apply if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet banking, mobile banking or to make electronic bill payments - the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbersnum- bers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.

ELECTRONIC SERVICES – USE AND PROTECTION OF A CARD. PIN OR PASSWORD a) For access to or use of the Account through EasyLine® telephone banking, EasyWeb® Internet Online banking, mobile banking or to make electronic bill payments - – the Bank’s Financial Services Terms applies if the Cardholder has signed a Financial Services Agreement, or the Cardholder and Electronic Financial Services Agreement applies if the Cardholder has not signed a Financial Services Agreement. b) Care and control of the Card, PIN and Password – You are responsible for the care and control of the Card, PIN and Password. You must maintain them safely at all times. This includes that you must: must:‌‌‌‌‌‌‌ • keep possession of the Card; • keep your PIN and Password separate from the Card; • keep your PIN and Password strictly confidential; • take all reasonable precautions to make sure that no one finds out your PIN or Password, including while you key in your PIN or Password at an ATM or other machine or mobile device; • avoid PIN or Password combinations that may be easily guessed by others, such as birthdays, phone numbers, age, social insurance number, etc.; • make sure that each PIN or Password is unique; and • contact us immediately if your Card is lost or stolen or your PIN or Password becomes known to any other person other than you. c) Your responsibility for use of the Card, PIN and Password – You are responsible for all authorized activity or other Transactions resulting from use of the Card or PIN or Password by any person, including any entry error or fraudulent or worthless deposit at an ATM or other machine or device. When you promptly tell us that your PIN, Password or Card is lost or stolen or may have become known to an unauthorized person, we will block the use of the Card, PIN or device, to prevent use of your Account number. See the “Unauthorized Transactions” section for your responsibility for unauthorized Transactions. d) Account activity – Our records are the final proof of use of a Card or the Account, including electronic services. They are evidence of your written request to perform a Transaction. Even if you are provided with a Transaction receipt or other confirmation, through an ATM or other machine or device, the following still applies to all Transactions or other activity on the Account: • our acceptance, count and verification of Transactions or deposits is deemed correct and binding unless there is an obvious error; and • Transactions transactions or other activity on the Account through an ATM or other machine or device may be credited or debited by us to the Account on a date determined by us. This date may be different than the date on which you used the ATM, or other machine or device.