Common use of Equipment and Technical Requirements Clause in Contracts

Equipment and Technical Requirements. In order to use BankNewport’s Digital Banking Services, you need the following, at your own expense:  A computer or other device with 1.3 GHz or faster processor that is capable of accessing the Internet.  The two most recent versions of any of the following browsers: o Microsoft Internet Explorer o Mozilla Firefox o Google Chrome o Safari  1GB of ram  Software that enables you to receive and access PDF files, such as Adobe Acrobat Reader, which is available for free download at xxxx://xxx.xxxxx.xxx/reader. You may also access some features of the Services by utilizing a variety of mobile devices with an up-to- date operating system (hereinafter, the foregoing equipment and technical requirements to be referred to collectively as the “Computer”). (Contact us for information as to which features of the Services are available via a mobile device.) Either method chosen requires a current Internet browser and associated software that supports a minimum 128-bit SSL encryption or other security measures as we may specify from time to time. You are responsible for the installation, maintenance, security and monitoring of your own Computer. We are not responsible for any errors or failures caused by any malfunction of your Computer, and we are not responsible for any virus or related problems that may be associated with the use of your Computer. We recommend that you routinely scan the Computer using reliable virus protection products, and to remove any viruses found using such products. You are also responsible for any telephone or data charges incurred in connecting to your Internet Service Provider (ISP) that gives you access to the Internet, including Short Message Services (SMS), or what is commonly referred to as text messaging. From time to time, we may require that you upgrade or install software to the Computer to ensure the proper operation of the Service. You agree to promptly load any such upgrades or additional installations upon our notice to you. USER ID AND PASSWORD Once we have verified your identity and the enrollment process has been completed, you will be activated for use of Digital Banking. For security reasons and to maintain the confidentiality of your User ID and Password, you will select your own User ID and Password to authorize access to Digital Banking.  Your User ID must be between 8 and 22 characters and may contain numbers, letters and special characters.  Your Password is your confidential code for accessing your Digital Banking account information, and it should not be shared with anyone. It must be between 8 and 22 characters in length and must contain at least three of the following four criteria: one upper case letter, one lower case letter, one number and one special character. For security purposes, we recommend that you change your Password regularly and that you memorize this Password and do not write it down. You are responsible for keeping your Password, account numbers and other account data confidential and secure.  For business or non-consumer customers with a Tax ID, you have the ability to create access accounts for authorized users for your business and therefore should never share your access information. You are responsible for maintaining access rights for these authorized users’ accounts such as User ID’s, Passwords and the like. SECURITY PROCEDURES In addition to User IDs and Passwords, BankNewport’s Digital Banking system employs encryption to ensure the secure transmission of data. The system also utilizes risk-based monitoring tools and reverse authentication to protect against phishing attempts. These methods include user selected challenge questions, out-of-wallet challenge-based questions and out-of-band confirmation codes. By using BankNewport’s Digital Banking Services, you agree that the Digital Banking security procedures are reasonable and sufficient to ensure that all transaction requests such as bill payment and transfer instructions or other communications we receive from you have, in fact, been made by you. You must consider the size, type and frequency of transactions or other communications that you anticipate making when determining whether you consider the Bank’s Digital Banking security procedures to be sufficient. In short, by using BankNewport’s Digital Banking Services, you have determined that BankNewport’s Digital Banking is secure for your purposes. The Bank will require users to answer security questions or to provide a confirmation code to process certain transactions and to make changes within Digital Banking. This helps ensure information is secure and helps protect you from fraud and identity theft. If the size, type and frequency of your transactions change, and you determine that the Digital Banking security procedures cease to be reasonable and sufficient, you must inform the Bank of this immediately. Such a determination means you will no longer use BankNewport’s Digital Banking Services for any purposes. If you wish to learn more about Digital Banking security, please ask us. Notwithstanding any security procedures which may from time to time be in effect for detecting errors in transactions covered by this agreement, we have no duty to discover or report to you any such errors. Neither shall we be liable to you for the failure of such security procedure to detect such errors, regardless of the manner in which we apply such security procedures.

Equipment and Technical Requirements. In order to use BankNewport’s Digital Online Banking ServicesService, you need the following, at your own expense:  A personal computer or other device with 1.3 GHz or faster processor that is capable of accessing the Internet.  The two most recent versions Current version of any of the following browsers: o Microsoft Internet Explorer o Mozilla Firefox o Google Chrome o Safari  Windows or Mac OS, 1GB of ram  ram, 350MB of available hard disk space. Browser that supports 128-bit encryption Software that enables you to receive and access PDF files, such as Adobe Acrobat Reader, which is available for free download at xxxx://xxx.xxxxx.xxx/reader. You may also access some features of the Services service by utilizing a variety of mobile devices with an up-to- to-date operating system (hereinafter, the foregoing equipment and technical requirements to be referred to collectively as the “Computer”)system. (Contact us for information as to which features of the Services are available via a mobile device.) Either method chosen requires a current Internet browser and associated software that supports a minimum 128-bit SSL encryption or other security measures as we may specify from time to timebrowser. You are responsible for the installation, maintenance, and security and monitoring of your own Computerdevice. We are not responsible for any errors or failures caused by any malfunction of your Computer, device and we are not responsible for any virus or related problems that may be associated with the use of your Computer. We recommend that you routinely scan the Computer using reliable virus protection products, and to remove any viruses found using such productsdevice. You are also responsible for any telephone or data charges incurred in connecting to your Internet Service Provider (ISP) that gives you access to the Internet, Internet including Short Message Services (SMS), or what is commonly referred to as text messaging. From time Online Banking Access As the primary user, you are considered the administrator who is responsible for managing your Online Banking Service. As administrator for business users, if requested and approved, you may be granted access to time, we may require that you upgrade or install software to the Computer to ensure the proper operation all of the enrolled online banking accounts and services. The administrator, at his or her sole discretion, can create and authorize other individuals to act as a user of Online Banking Service. You The administrator can add, delete or change the access authorities for a user including the accounts and services they are allowed to access and the dollar amount of the transactions they are allowed to process. Designating an authorized user provides access to Online Banking Service and does not change ownership or provide authorization to these users to transact on your behalf in any other manner (i.e. at a branch location). By granting an individual access to your accounts as an authorized user with a user ID and password you expressly agree to promptly load take responsibility for all activity initiated by those individuals. In effect, you have authorized each transaction to take place as though you yourself have completed them and ECS will not be held liable for individual user actions. If you inform ECS of revocation of a user, any such upgrades or additional installations upon our transactions after the notice to ECS will be considered unauthorized. The administrator and each user that has been afforded the authority to access accounts through Online Banking Service will have a unique user ID and password. Your user ID and password are initially set by you and subsequently can only be changed by you. USER ID AND PASSWORD Once we have verified your identity and the enrollment process has been completed, you will be activated for use of Digital Banking. For security reasons and to maintain the confidentiality of your User ID and Password, you will select your own User ID and Password to authorize access to Digital Banking.  Your User user ID must be between 8 and 22 26 characters and may contain numbers, letters letters, and special characters.  Your Password is your confidential code for accessing your Digital Online Banking account information, and it should not be shared with anyone. It must be between 8 and 22 26 characters in length and must contain at least three of the following four criteria: one upper case letter, one lower case letter, one number number, and one special character. You should make your Password as random as possible. The user ID designated for an authorized user can be issued and changed only by you, the administrator. The password for an authorized user is initially set by you, the administrator, and subsequently changed by the authorized user at first logon. In the event that you wish to change authorization (i.e. as a result of personal changes in your relationships, or for any other reasons) it is your sole responsibility to revoke access to protect against improper use of Online Banking Service by the individual(s) you have authorized. Generally for all users, you should change your passwords frequently to help safeguard the security of your accounts. You may change your password under the Service Center Profile section. Bank employees will never contact you via e-mail or by telephone requesting your online password or any other personal information. If you are contacted by anyone requesting this information, do not provide it and contact us as soon as possible as outlined below. It is important to keep your user IDs and passwords confidential to prevent unauthorized transactions on your bank accounts. If you suspect any misuse of Online Banking Service by an authorized user you, the administrator, should revoke that individual’s access immediately and inform us AT ONCE if you believe your password and user ID have been compromised or may be compromised. During business hours you may contact us by calling 000- 000-0000. Our business hours are Monday through Friday 8:30 am to 5:00 pm and Saturday’s from 8:00 am to noon. For security purposesafter-hours support, please call 0-000-000-0000 Error Resolution In case of errors or questions about your electronic transfers including direct deposit, ECS ATM transactions, ECS debit card transactions, 24-hour telephone transactions, Online Banking Service transactions and/or pre- authorized payments, call ECS at 000-000-0000 to speak with the Customer Care Center (see business hours listed above) or send your written correspondence to: Eastern CT Savings Bank, ATTN: Deposit Operations, 000 Xxxx Xxxxxx, X.X. Box 709, Norwich, CT 06360 If you think your statement or receipt is wrong or if you need more information about a transfer listed in your statement or receipt, promptly submit your inquiry to us as we must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to provide us with the following information: Your name and account number; the description of the error or the transfer you think is incorrect and clearly explain why you believe it is an error or why you need more information; the dollar amount of the suspected error. If you notify us orally, we recommend will require you to send us your complaint or question in writing within ten (10) business days following the date that you change notified us. We will report to you the results of our investigation within ten (10) calendar days following the date you notified us. We will correct any error promptly. If we need more time, however, we may take up to forty-five (45) calendar days to investigate your Password regularly and complaint or question following the date you notified us. If we decide to use more time to investigate, within ten (10) calendar days following the date you notified us, we will provisionally credit your account for the amount you think is in error so that you memorize this Password and will have the use of the money during the time it takes to complete our investigation. If we do not write it receive your complaint or question in writing within ten (10) business days, we may not re-credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation, and we must make these available to you for inspection. For a reasonable fee covering our duplication costs, we will provide you with copies of any such documents which you request if your alleged error concerns a transfer to or from a third party (i.e. a Social Security payment), our investigation may be limited to a review or our own records if we decide that there was no error, you may want to contact such third party to pursue the matter further. Tell us AT ONCE if you believe your User ID or password has been lost or stolen. Telephoning, as provided above, is the best way of keeping your possible losses down. You are responsible for keeping could lose all the money in your Password, account numbers and other account data confidential and secure.  For business or non-consumer customers with a Tax ID, you have the ability to create access accounts for authorized users for your business and therefore should never share your access information. You are responsible for maintaining access rights for these authorized users’ accounts such as User ID’s, Passwords and the like. SECURITY PROCEDURES In addition to User IDs and Passwords, BankNewport’s Digital Banking system employs encryption to ensure the secure transmission of data. The system also utilizes risk-based monitoring tools and reverse authentication to protect against phishing attempts. These methods include user selected challenge questions, out-of-wallet challenge-based questions and out-of-band confirmation codes. By using BankNewport’s Digital Banking Services, you agree that the Digital Banking security procedures are reasonable and sufficient to ensure that all transaction requests such as bill payment and transfer instructions or other communications we receive from you have, in fact, been made by you. You must consider the size, type and frequency of transactions or other communications that you anticipate making when determining whether you consider the Bank’s Digital Banking security procedures to be sufficient. In short, by using BankNewport’s Digital Banking Services, you have determined that BankNewport’s Digital Banking is secure for your purposes. The Bank will require users to answer security questions or to provide a confirmation code to process certain transactions and to make changes within Digital Banking. This helps ensure information is secure and helps protect you from fraud and identity theft. If the size, type and frequency of your transactions change, and you determine that the Digital Banking security procedures cease to be reasonable and sufficient, you must inform the Bank of this immediately. Such a determination means you will no longer use BankNewport’s Digital Banking Services for any purposesdeposit accounts. If you wish tell us within two (2) business days, you can lose no more than $50 from each deposit account if someone used your User ID and password to access your deposit account without your permission. If you do NOT tell us within two (2) business days after you learn more about Digital Banking security, please ask us. Notwithstanding any security procedures which may from time to time be in effect for detecting errors in transactions covered by this agreement, we have no duty to discover or report to you any such errors. Neither shall we be liable to you for the failure of such security procedure to detect such errors, regardless of the manner in which loss or theft of your User ID or password, and we apply such security procedurescan prove we could have stopped someone from using your User ID or password without your permission if you had told us, you could lose as much as $500 from each deposit account.

Equipment and Technical Requirements. In order to use BankNewport’s Digital Banking eBanking Services, you need the following, at your own expense:  • A computer or other device with 1.3 GHz or faster processor that is capable of accessing the Internet.  • The two most recent versions of any of the following browsers: o Microsoft Internet Explorer o Mozilla Firefox o Google Chrome o Safari  • 1GB of ram  • Software that enables you to receive and access PDF files, such as Adobe Acrobat Reader, which is available for free download at xxxx://xxx.xxxxx.xxx/reader. You may also access some features of the Services by utilizing a variety of mobile devices with an up-to- to-date operating system (hereinafter, the foregoing equipment and technical requirements to be referred to collectively as the “Computer”). (Contact us for information as to which features of the Services are available via a mobile device.) Either method chosen requires a current Internet browser and associated software that supports a minimum 128-bit SSL encryption or other security measures as we may specify from time to time. You are responsible for the installation, maintenance, security and monitoring of your own Computer. We are not responsible for any errors or failures caused by any malfunction of your Computer, and we are not responsible for any virus or related problems that may be associated with the use of your Computer. We recommend that you routinely scan the Computer using reliable virus protection products, and to remove any viruses found using such products. You are also responsible for any telephone or data charges incurred in connecting to your Internet Service Provider (ISP) that gives you access to the Internet, including Short Message Services (SMS), or what is commonly referred to as text messaging. From time to time, we may require that you upgrade or install software to the Computer to ensure the proper operation of the Service. You agree to promptly load any such upgrades or additional installations upon our notice to you. USER ID AND PASSWORD Once we have verified your identity and the enrollment process has been completed, you will be activated for use of Digital BankingeBanking. For security reasons and to maintain the confidentiality of your User ID and Password, you will select your own User ID and Password to authorize access to Digital BankingeBanking.  • Your User ID must be between 8 and 22 characters and may contain numbers, letters and special characters.  • Your Password is your confidential code for accessing your Digital Banking eBanking account information, and it should not be shared with anyone. It must be between 8 and 22 characters in length and must contain at least three of the following four criteria: one upper case letter, one lower case letter, one number and one special character. For security purposes, we recommend that you change your Password regularly and that you memorize this Password and do not write it down. You are responsible for keeping your Password, account numbers and other account data confidential and secure.  • For business or non-consumer customers with a Tax ID, you have the ability to create access accounts for authorized users for your business and therefore should never share your access information. You are responsible for maintaining access rights for these authorized users’ accounts such as User ID’s, Passwords and the like. SECURITY PROCEDURES In addition to User IDs and Passwords, BankNewport’s Digital Banking eBanking system employs encryption to ensure the secure transmission of data. The system also utilizes risk-based monitoring tools and reverse authentication to protect against phishing attempts. These methods include user selected challenge questions, out-of-wallet challenge-based questions and out-out- of-band confirmation codes. By using BankNewport’s Digital Banking eBanking Services, you agree that the Digital Banking eBanking security procedures are reasonable and sufficient to ensure that all transaction requests such as bill payment and transfer instructions or other communications we receive from you have, in fact, been made by you. You must consider the size, type and frequency of transactions or other communications that you anticipate making when determining whether you consider the Bank’s Digital Banking eBanking security procedures to be sufficient. In short, by using BankNewport’s Digital Banking eBanking Services, you have determined that BankNewport’s Digital Banking eBanking is secure for your purposes. The Bank will require users to answer security questions or to provide a confirmation code to process certain transactions and to make changes within Digital BankingeBanking. This helps ensure information is secure and helps protect you from fraud and identity theft. If the size, type and frequency of your transactions change, and you determine that the Digital Banking eBanking security procedures cease to be reasonable and sufficient, you must inform the Bank of this immediately. Such a determination means you will no longer use BankNewport’s Digital Banking eBanking Services for any purposes. If you wish to learn more about Digital Banking eBanking security, please ask us. Notwithstanding any security procedures which may from time to time be in effect for detecting errors in transactions covered by this agreement, we have no duty to discover or report to you any such errors. Neither shall we be liable to you for the failure of such security procedure to detect such errors, regardless of the manner in which we apply such security procedures.

Equipment and Technical Requirements. In order to To use BankNewport’s Digital Banking ServicesOnline Banking, you need the following, at your own expense:  A computer or other device with 1.3 GHz or faster processor that is capable of accessing the Internet.  The two most recent versions of any of the following browsers: o Microsoft must have Internet Explorer o Mozilla Firefox o Google Chrome o Safari  1GB of ram  Software that enables you to receive and access PDF files, such as Adobe Acrobat Reader, which is available for free download at xxxx://xxx.xxxxx.xxx/reader. You may also access some features of the Services by utilizing a variety of mobile devices with through an up-to- date operating system (hereinafter, the foregoing equipment and technical requirements to be referred to collectively as the “Computer”). (Contact us for information as to which features of the Services are available via a mobile device.) Either method chosen requires a current Internet browser and associated software that supports a minimum 128-bit SSL encryption or other security measures as we may specify from time to time. You are responsible for the installation, maintenance, security and monitoring of your own Computer. We are not responsible for any errors or failures caused by any malfunction of your Computer, and we are not responsible for any virus or related problems that may be associated with the use of your Computer. We recommend that you routinely scan the Computer using reliable virus protection products, and to remove any viruses found using such products. You are also responsible for any telephone or data charges incurred in connecting to your Internet Service Provider (ISP) that gives you and Internet browser software. The Bank does not make any warranties on equipment, hardware, software or ISP Service, or any part of them, expressed or implied, including, without limitation, warranties of merchantability or fitness for a particular purpose. The Bank is not responsible for any loss, injury or damages, whether direct, indirect, special or consequential, caused by the Internet Provider, any related software, Online Banking or the use of any of them or arising in any way out of the installation, use or maintenance of your personal computer hardware, software or other equipment. Access If two or more depositors are joint owners of the account accessed by Online Banking, each may have access to the Internetaccount through Online Banking. When your Online Banking is linked to one or more joint accounts, including Short Message Services (SMS)we may act on the verbal, written, or what electronic instructions of any authorized signer regarding your service for those accounts. Each person on a joint account will be liable for all transactions that are made on that account by all other joint account holders of that account. It is commonly referred your responsibility to as text messagingnotify us if a signer should no longer be given access to the joint account through Online Banking. From Notices sent to the address of one account holder are binding on all account holders. We recommend that you print or store a copy of this Agreement for your records. You may also review this Agreement from time to time, and at your convenience on our website at xxx.XxxxXxxxXxxxxx.xxx. If you are unable to print or store a copy of this Agreement or if you experience a computer or printer malfunctions, please call us and we may require will mail you a paper copy of this Agreement. Email Use We may, if you use any of the notification or alerts offered within any of the Online Banking services, send account information to the email address(es) you designate. Sensitive information such as account numbers will be only partially shown (masked). Other than these notices, we will not send to you, and we strongly suggest that you upgrade do not send to us, any confidential information regarding your accounts via the public Internet, as it is not necessarily secure. We may, if you are have multiple bad logins or install software are locked out, email you at your designed email address, alerting you regarding the condition of your login status. We will not send you email requesting confidential information such as account numbers, PINs, or passwords. If you receive such an email purportedly from us, do not respond to the Computer email and notify us by calling (000) 000-0000. Agreement and Acknowledgment By using Online Banking or authorizing others to ensure use Online Banking, you acknowledge that you have received and understand the proper operation terms of this Agreement and agree to be bound by the provisions of this Agreement and by the agreements incorporated herein by reference that also govern your account with us. These Agreements may be amended from time to time and notice of such changes will be provided to you by us as may be required by Applicable Law. Business Day Main Street Banks Customer Service can be reached during normal business hours, Monday through Friday. Holidays are not included. Transaction Procedures Xxxx Payments: When you initiate a Xxxx Payment transaction, sufficient funds must be available in the account at the time you initiate the transaction. In the case of future or recurring payments, sufficient funds must be available in your account on those designated dates. The funds will not be withdrawn from your account until those dates. All Xxxx Payments you make through Online Banking will be deducted from your designated checking account. Your payees must all be located within the United States and accept payment in U.S. dollars. Each payee must appear on the payee list you create, and the xxxx you are paying must be in your name. You may not use Online Banking to make payments to federal, state, or local governments. Some other categories of payees may also be restricted. Some Xxxx Payments may be delivered electronically to your payee within three business days of the Servicescheduled "Processing Date." Some payees, however, are not set up to accept electronic payment. In these cases, a check will be sent, which may take up to ten business days to process and deliver to the payee. You agree must allow sufficient time, up to promptly load any such upgrades or additional installations upon our notice ten business days to youprocess the Xxxx Payments so that the funds can be delivered to the payee before the payment due date. USER ID AND PASSWORD Once we have verified your identity and the enrollment process has been completedIf you do not allow sufficient time, you will be activated responsible for use all late fees, finance charges or other actions taken by the payee. Main Street Bank is not liable in any way for damages you incur if you do not have sufficient funds in your account to make the payment, if you do not allow sufficient time for delivery to the payee or if there have been delays in mail delivery, changes of Digital merchant address or account number, the failure of any payment in a timely manner or for any other circumstances beyond the control of Main Street Bank. In all cases, you are responsible for either making alternate arrangements for the payment or rescheduling the payment through Online Banking. We may resubmit a payment for you after the funds have become available. Internal Account Transfers You may transfer funds between your applicable Main Street Bank accounts. You may make transfers from your checking or statement savings accounts to certain Main Street Bank loan accounts. These transfers will be processed as loan payments according to the terms of the individual loan account affected. You may not transfer from a passbook savings account online. For security reasons Money Market Accounts, you may not make more than six transfers from your account each statement cycle. You cannot make transfers from or to Certificates of Deposit. All Xxxx Payments and Transfers are subject to maintain the confidentiality terms and conditions of your User ID the deposit account being accessed. All transfers are made on collected funds only. Please note that not all account types are eligible for all types of transfers. One Time Transfers When transferring funds between two Main Street Bank statement accounts between the hours of 6 a.m. and Password7 p.m. Eastern Standard Time (EST) on a business day, the funds should be available immediately. If the transfer takes place after 7 p.m., EST, the funds will not be available until the next business day. Sufficient funds must be collected and available for the transfer to occur. Scheduled and Recurring Transfers When scheduling a recurring transfer, the transfer takes place on the business day that the transfer was scheduled to occur. If the date of transfer is not a business day, the transfer will occur on the next business day. Sufficient funds must be collected and available for the transfer to occur. Xxxxx Xxxxx enables Customers to make electronic payments to anyone with an e-mail address or a U.S. mobile phone number from our mobile banking App. Zelle Cut off times Depending on the type of payment method selected, payments conducted through Zelle may be completed in real time (i.e. instantaneously) or there may be a slight delay in the debiting and/or crediting of a particular account. You understand and acknowledge that there may be a delay in the debiting or receipt of funds through Xxxxx XXXXX TRANSACTION LIMITATIONS Method of Payment Aggregate Limit Per Day Aggregate Limit Per Day Send to Email or U.S. Mobile Number $1500.00 per transaction $1,500.00 Notifications When requesting notifications, note that the information is valid as of the morning of the day you receive the information. If requesting a Balance Greater Than or a Balance Lesser Than notification, you will select your own User ID and Password not receive a notification if the amount is equal to authorize access the amount chosen. Mobile Banking Mobile Banking is an included service in Main Street Bank's Online Banking product. It is accessed by logging on to Digital Bankingxxx.XxxxXxxxXxxxxx.xxx on an internet enabled cell phone or tablet device.  Your User ID must be Customers can view account balances, see account histories, transfer funds between 8 and 22 characters and may contain numbersMain Street Bank accounts, letters and special characters.  Your Password is your confidential code for accessing your Digital Banking account informationpay bills to existing payees, and it should not be shared with anyonedeposit check and perform P to P transactions. Authorization to Charge Accounts You authorize Main Street Bank to debit the accounts you designate for all Online Banking transactions, including the amount of any Xxxx Payment or Transfer or Zelle items that you make plus any charges for that service. You authorize us to process Xxxx Payments and to transfer the funds according to your instructions. It must be between 8 and 22 characters in length and must contain at least three is the responsibility of the following four criteria: one upper case letter, one lower case letter, one number End User to be certain that the Payee Address and one special character. For security purposes, we recommend that you change your Password regularly and that you memorize this Password and do not write it downAccount Number are correct when scheduling a payment. You are responsible for keeping your Password, account numbers and other account data confidential and secure.  For business or non-consumer customers with a Tax ID, also authorize FIS to make those Xxxx Payments required by check even though you have not signed the ability to create access accounts for authorized users for your business and therefore should never share your access information. You are responsible for maintaining access rights for these authorized users’ accounts such as User ID’s, Passwords and the like. SECURITY PROCEDURES In addition to User IDs and Passwords, BankNewport’s Digital Banking system employs encryption to ensure the secure transmission of data. The system also utilizes risk-based monitoring tools and reverse authentication to protect against phishing attempts. These methods include user selected challenge questions, out-of-wallet challenge-based questions and out-of-band confirmation codes. By using BankNewport’s Digital Banking Services, you agree that the Digital Banking security procedures are reasonable and sufficient to ensure that all transaction requests such as bill payment and transfer instructions or other communications we receive from you have, in fact, been made by you. You must consider the size, type and frequency of transactions or other communications that you anticipate making when determining whether you consider the Bank’s Digital Banking security procedures to be sufficient. In short, by using BankNewport’s Digital Banking Services, you have determined that BankNewport’s Digital Banking is secure for your purposes. The Bank will require users to answer security questions or to provide a confirmation code to process certain transactions and check used to make changes within Digital the payment. Account Information You may check the balances of Main Street Bank accounts that are accessed by Online Banking. This helps ensure information is secure and helps protect you from fraud and identity theft. If the size, type and frequency of your transactions change, and you determine that the Digital Banking security procedures cease to be reasonable and sufficient, you must inform the Bank of this immediately. Such a determination means you will no longer use BankNewport’s Digital Banking Services for any purposes. If you wish to learn more about Digital Banking security, please ask us. Notwithstanding any security procedures which may from time to time be in effect for detecting errors in transactions covered by this agreement, we have no duty to discover or report to you any such errors. Neither shall we be liable to you for the failure of such security procedure to detect such errors, regardless of the manner in which we apply such security procedures.

Equipment and Technical Requirements. In order to use BankNewport’s Digital Banking ServicesEVER $ GREEN FCU iBanking, you need the following, at your own expense:    A personal computer or other device with 1.3 GHz or faster processor that is capable of accessing the Internet.  The two most recent versions A current version of any of the following browsers: o Microsoft Internet Explorer o Mozilla Firefox o Google Chrome o Safari  Windows or Mac OS, 1GB of ram  ram, 350MB of available hard disk space. Software that enables you to receive and access PDF files, such as Adobe Acrobat Reader. For information on how to download, which is available for free download at xxxx://xxx.xxxxx.xxx/readerrefer to the E-SIGN Disclosure. You may also access some features of the Services service by utilizing a variety of mobile devices with an up-to- to-date operating system (hereinafter, the foregoing equipment and technical requirements to be referred to collectively as the “Computer”)system. (Contact us for information as to which features of the Services are available via a mobile device.) Either method chosen requires a current Internet browser and associated software that supports a minimum 128-bit SSL encryption or other security measures as we may specify from time to timebrowser. You are responsible for the installation, maintenance, and security and monitoring of your own Computerdevice. We are not responsible for any errors or failures caused by any malfunction of your Computer, device and we are not responsible for any virus or related problems that may be associated with the use of your Computer. We recommend that you routinely scan the Computer using reliable virus protection products, and to remove any viruses found using such productsdevice. You are also responsible for any telephone or data charges incurred in connecting to your Internet Service Provider (ISP) that gives you access to the Internet, Internet including Short Message Services (SMS), or what is commonly referred to as text messaging. From time Online Banking Access As the primary user, you are considered the administrator who is responsible for managing your EVER $ GREEN FCU iBanking service. As administrator you will be granted access to all of the enrolled online banking accounts and services. The administrator, at his or her sole discretion, can create and authorize other individuals to act as a user of EVER $ GREEN FCU iBanking. The administrator can add, delete or change the access authorities for a user including the accounts and services they are allowed to access and the dollar amount of the transactions they are allowed to process. Designating an authorized user provides access to EVER $ GREEN FCU iBanking and does not change ownership or provide authorization to these users to transact on your behalf in any other manner (i.e. at a branch location). By granting an individual access to your accounts as an authorized user with a user ID and password you expressly agree to take responsibility for all activity initiated by those individuals. In effect, you have authorized each transaction to take place as though you yourself have completed them and EVER $ GREEN FCU will not be held liable for individual user actions. The administrator and each user that has been afforded the authority to access accounts through EVER $ GREEN FCU iBanking will have a unique user ID and password. Your user ID and password are initially set by you and subsequently can only be changed by you. The user ID designated for an authorized user can be issued and changed only by you, the administrator. The password for an authorized user is initially set by you, the administrator, and subsequently changed by the authorized user at first logon. Generally, you should change your passwords frequently to help safeguard the security of your accounts. You may change your password under the Service Center Profile section. Credit Union employees will never contact you via e-mail or by telephone requesting your online password or any other personal information. If you are contacted by anyone requesting this information, do not provide it and contact EVER $ GREEN FCU immediately at 000-000-0000. It is critically important to keep your user IDs and passwords confidential to prevent unauthorized transactions on your Credit Union accounts. In the event that you wish to change authorization (i.e. as a result of personal changes in your relationships, or for any other reasons) it is your sole responsibility to revoke access to protect against improper use of EVER $ GREEN FCU iBanking by the individual(s) you have authorized. If you suspect any misuse of EVER $ GREEN FCU iBanking by an authorized user you, the administrator, should revoke that individual’s access immediately and inform us AT ONCE if you believe your password and user ID have been compromised or may be compromised. You may contact us by calling 000-000-0000 and speak with a Member Service Representative. EVER $ GREEN FCU’s hours are:  Monday - Thursday 9:30am – 4:30 pm  Friday 9:30am – 6:00 pm If you prefer to contact via written correspondence address your envelope to:  EVER $ GREEN FCU, 0000 X Xxxxxxxxx Xx, Rochester, NY 14623. It is important to note that in order to minimize the risk of loss, we strongly suggest that you call us immediately and then confirm in writing. Unless you have been grossly negligent or have engaged in fraud, you can lose no more than $50.00 if you fail to give us notice of your lost or stolen user Id and password and they are used without your permission. Error Resolution In case of errors or questions about your electronic transfers including direct deposit, EVER $ GREEN FCU ATM transactions, EVER $ GREEN FCU Debit Card transactions, 24-hour telephone transactions, EVER $ GREEN FCU iBanking transactions and/or pre-authorized payments, call EVER $ GREEN FCU at 000-000-0000 to speak with a Member Service Representative (see business hours listed above) or send your written correspondence to:  EVER $ GREEN FCU, 0000 X Xxxxxxxxx Xx, Rochester, NY 14623 – ATTN – Assitant Manager If you think your statement or receipt is wrong or if you need more information about a transfer listed in your statement or receipt, promptly submit your inquiry to us as we must hear from you no later than sixty (60) days after we sent you the FIRST statement on which the problem or error appeared. Be prepared to provide us with the following information:    Your name and account number; A description of the error or the transfer you think is incorrect and clearly explain why you believe it is an error or why you need more information; and The dollar amount of the suspected error. If you notify us orally, we will require you to send us your complaint or question in writing within ten (10) business days following the date that you notified us. We will report to you the results of our investigation within ten (10) calendar days (5 business days for debit card point of sale transactions) following the date you notified us. We will correct any error promptly. If we need more time, however, we may require take up to forty-five (45) calendar days to investigate your complaint or question following the date you notified us. If we decide to use more time to investigate, within ten (10) calendar days (5 business days for debit card point of sale transactions) following the date you notified us, we will provisionally credit your account for the amount you think is in error so that you upgrade or install software to will have the Computer to ensure the proper operation use of the Servicemoney during the time it takes to complete our investigation. If we do not receive your complaint or question in writing within ten (10) business days, we may not re-credit your account. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You agree to promptly load any such upgrades or additional installations upon may ask for copies of the documents that we used in our notice to you. USER ID AND PASSWORD Once we have verified your identity and the enrollment process has been completed, you will be activated for use of Digital Banking. For security reasons and to maintain the confidentiality of your User ID and Password, you will select your own User ID and Password to authorize access to Digital Banking.  Your User ID must be between 8 and 22 characters and may contain numbers, letters and special characters.  Your Password is your confidential code for accessing your Digital Banking account informationinvestigation, and it should not be shared with anyone. It we must be between 8 and 22 characters in length and must contain at least three of the following four criteria: one upper case letter, one lower case letter, one number and one special character. For security purposes, we recommend that you change your Password regularly and that you memorize this Password and do not write it down. You are responsible for keeping your Password, account numbers and other account data confidential and secure.  For business or non-consumer customers with a Tax ID, you have the ability to create access accounts for authorized users for your business and therefore should never share your access information. You are responsible for maintaining access rights for make these authorized users’ accounts such as User ID’s, Passwords and the like. SECURITY PROCEDURES In addition to User IDs and Passwords, BankNewport’s Digital Banking system employs encryption to ensure the secure transmission of data. The system also utilizes risk-based monitoring tools and reverse authentication to protect against phishing attempts. These methods include user selected challenge questions, out-of-wallet challenge-based questions and out-of-band confirmation codes. By using BankNewport’s Digital Banking Services, you agree that the Digital Banking security procedures are reasonable and sufficient to ensure that all transaction requests such as bill payment and transfer instructions or other communications we receive from you have, in fact, been made by you. You must consider the size, type and frequency of transactions or other communications that you anticipate making when determining whether you consider the Bank’s Digital Banking security procedures to be sufficient. In short, by using BankNewport’s Digital Banking Services, you have determined that BankNewport’s Digital Banking is secure for your purposes. The Bank will require users to answer security questions or to provide a confirmation code to process certain transactions and to make changes within Digital Banking. This helps ensure information is secure and helps protect you from fraud and identity theft. If the size, type and frequency of your transactions change, and you determine that the Digital Banking security procedures cease to be reasonable and sufficient, you must inform the Bank of this immediately. Such a determination means you will no longer use BankNewport’s Digital Banking Services for any purposes. If you wish to learn more about Digital Banking security, please ask us. Notwithstanding any security procedures which may from time to time be in effect for detecting errors in transactions covered by this agreement, we have no duty to discover or report to you any such errors. Neither shall we be liable available to you for inspection. For a reasonable fee covering our duplication costs, we will provide you with copies of any such documents which you request if your alleged error concerns a transfer to or from a third party (i.e. a Social Security payment), our investigation may be limited to a review or our own records if we decide that there was no error, you may want to contact such third party to pursue the failure of such security procedure to detect such errors, regardless of the manner in which we apply such security proceduresmatter further.