Common use of Hours of Access Clause in Contracts

Hours of Access. You can use Online Banking seven (7) days a week, twenty-four (24) hours a day. Some or all Online Banking services may not be available occasionally due to emergency or scheduled system maintenance or events beyond our control. We agree to post notice of any extended or unusual periods of non-availability on our website at xxx.xxxxxxxxxxxx.xxx or notify you via email. Cutoff Times The following services are subject to the following cutoff hours on Business Days: Stop Payments 6:00 PM CT Transfers 6:00 PM CT External Transfers 6:00 PM CT Bill Payment 6:00 PM CT Your Password You are required to change your Password upon your initial login to Online Banking. You will be prompted to change your Password every ninety (90) days. You determine your Password according to the criteria displayed within Online Banking. Your Password is never communicated to us. Your Password should not be associated with any commonly known personal identification, such as social security numbers, addresses, date of birth or names of children. Your Password should be memorized rather than written down. Your online access will be locked after three (3) unsuccessful attempts to sign on to Online Banking. To re-establish your access to Online banking you must contact your Administrator or the Bank to obtain a new temporary Password. You agree to keep your Company ID, User ID and Password 1) secure and strictly confidential, providing it only to Authorized Users on your Account(s); 2) instruct each person to whom you give this information that he or she is not to disclose it to any unauthorized person; 3) immediately notify us if you believe your information may have become known to an unauthorized person. We may suspend or cancel your access even without receiving such notice from you, if we suspect your Password is being used in an unauthorized or fraudulent manner. We will not accept notification of lost or stolen Passwords or unauthorized transfers via email. IF YOU FURNISH A PASSWORD AND GRANT AUTHORITY TO MAKE TRANSFERS TO A PERSON (SUCH AS AN EMPLOYEE) WHO EXCEEDS THE AUTHORITY GIVEN, YOU ARE FULLY LIABLE FOR THE TRANSFERS UNLESS YOU NOTIFY US THAT TRANSFERS BY THAT PERSON ARE NO LONGER AUTHORIZED, WITH REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. WARNING: Certain Internet browsers will prompt you to “save password.” If you elect to save your Password, it will be stored in your computer. This will allow anyone who obtains access to your computer to use your browser to sign on to Online Banking in your name and under your Password, thereby accessing your Account without your knowledge or permission. The Bank strongly urges you not to save your Password in your browser’s “memory,” even though it may save you time.

Hours of Access. You can use Online Banking seven (7) days a week, twenty-four (24) hours a day. Some , although some or all Online Banking services may not be available occasionally due to emergency or scheduled system maintenance or events beyond our controlmaintenance. We agree to post notice of any extended or unusual periods of non-availability on our website at xxx.xxxxxxxxxxxx.xxx or notify you via emailthe Online Banking web site. Cutoff Times The following services are subject to the following cutoff hours on Business Days: Stop Payments 6:00 PM CT Transfers 6:00 PM CT External Transfers 6:00 PM CT Bill Payment 6:00 PM CT Your Password You -For security purposes, you are required to change your Password password upon your initial login to Online Banking. You will be prompted to may also change your Password every ninety (90) daysAccess ID at this time, but it is not required. You determine what password you will use, and the identity of your Password according to the criteria displayed within Online Banking. Your Password password is never not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to Online Banking will be revoked. To re-establish your authorization to use Online Banking, you must contact us to have your password reset or to obtain a new temporary password. We require that you create a password that utilizes alpha and numeric characters for purposes of security and be at least 8 characters in length. Your Password password should not be associated with any commonly known personal identification, such as social security numbers, addressesaddress, date of birth or birth, names of children. Your Password , and should be memorized rather than written down. Your online access will be locked after three (3) unsuccessful attempts Access ID and passwords are case sensitive. Security- You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to sign on to Online Banking. To re-establish promptly examine your access to Online banking you must contact paper or electronic statement for each of your Administrator or the Bank to obtain a new temporary Passwordaccounts as soon as youreceiveit. You agree to keep protecttheconfidentiality of youraccount and accountnumber, andyour personal identification information, such as your Company IDdriver's license number and social security number. You understand that personal identification information by itself, User ID or together with information related to your account, may allow unauthorizedaccesstoyouraccount. Yourpasswordand Access IDare intendedtoprovidesecurityagainst unauthorized entry and Password 1) secure and strictly confidential, providing it only to Authorized Users on your Account(s); 2) instruct each person to whom you give this information that he or she is not to disclose it to any unauthorized person; 3) immediately notify us if you believe your information may have become known to an unauthorized person. We may suspend or cancel your access even without receiving such notice from you, if we suspect your Password is being used in an unauthorized or fraudulent manner. We will not accept notification of lost or stolen Passwords or unauthorized transfers via email. IF YOU FURNISH A PASSWORD AND GRANT AUTHORITY TO MAKE TRANSFERS TO A PERSON (SUCH AS AN EMPLOYEE) WHO EXCEEDS THE AUTHORITY GIVEN, YOU ARE FULLY LIABLE FOR THE TRANSFERS UNLESS YOU NOTIFY US THAT TRANSFERS BY THAT PERSON ARE NO LONGER AUTHORIZED, WITH REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. WARNING: Certain Internet browsers will prompt you to “save password.” If you elect to save your Password, it will be stored in your computer. This will allow anyone who obtains access to your computer to use your browser to sign on to accounts. Data transferred via Online Banking is encrypted in an effort to provide transmission security and Online Banking utilizes identification technology to verify that the sender and receiver of Online Banking transmissions can be appropriately identified by each other. Notwithstanding our efforts to ensurethat the OnlineBankingsystem is secure, youacknowledgethat the Internet is inherentlyinsecure andthat all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Online Banking, or e-mail transmitted to and from us, will not be monitored or read by others. Fees and Charges- You agree to pay the fees and charges for your name use of Online Banking Services as set forth in the current fee schedule. You agree that all such fees and under charges will be deducted from the Bank checking account you designate when you sign up for Online Banking. If you close your Passworddesignated Checking Account, thereby accessing you must immediately designate another Checking Account. You agree to pay any additional reasonable charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your Account without use of online banking. Posting of Transfers - Transfers initiated through Online Banking before 6:45 p.m. (Eastern Standard Time) on a business day are posted to your knowledge account the same day. Transfers completed after 6:45 p.m. (Eastern Standard Time) on a business day, Saturday, Sunday or permissionbanking holiday, will be posted on the next business day. The Bank strongly urges Online Banking identifies transfers based upon the login ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the Transaction postings screens in both the Transfer and Xxxx Xxxxx menu options of Online may not reflect transfers made by multiple users from the same account if different login IDs are used. You agree to save communicate with any other persons with authorized access to your Password accounts concerning any transfers or xxxx payments from your accounts in order to avoid overdrafts. Overdrafts (Order of Payments, Transfers, and other Withdrawals)- If your browser’s “memory,” even though it may save account has insufficient funds to perform all electronic fund transfers you time.have requested for a given business day, then:

Hours of Access. You can use Online Banking may generally access your Bank account(s) through the Service seven (7) days a week, twenty-four (24) 24 hours a day. Some However, at certain times, some or all Online Banking services of the Service may not be available occasionally due to emergency system maintenance, end of day processing, or scheduled system maintenance other reasons. ACCESS: To use the Service, you must have a Bank account, access to the Internet, and an email address. When you have accepted this Agreement, you will be able to log in with the Login ID you or events beyond our controlyour administrator have created. Your f irst log in requires a Secure Access Code, which will be sent by email, SMS text, or phone call, using information in Bank records This information will also be used to provide other alerts. Your enrollment gives the Service the right to send the communications to the phone number or email address on f ile. You have the right to limit the com munication to one of the available methods by editing your online profile. You agree that this initial access process and the other security features and procedures described in the sections titled “LOGIN ID / PASSWORD ,” “DEVICE SECURITY REQUIREMENTS,” “REGISTER YOUR DEVICE” and “SECURITY” are commercially reasonable security procedures to conduct f inancial transactions, such as funds transfers and bill payments, through the Service. This Service may be used to access the Bank accounts for which you are an authorized signer only. We are not obligated to monitor transactions through the Service to determine that they are made on behalf of the accountholder. Any special signature restrictions that you may have established with respect to check transactions on your account(s) (e.g., two signatures required, dollar limits on signers, etc.) are not enforceable through the Service. You agree not to make any claims with respect to any such restrictions for transactions processed through the Service, and agree to post notice hold the Bank harmless against any loss, liability, or claim, including attorney’s fees and costs, resulting f rom the processing of any extended transaction through the Service that does not meet such special signature restrictions. LOGIN ID / PASSWORD: Upon the initial enrollment, you or unusual periods of non-availability on our website at xxx.xxxxxxxxxxxx.xxx or notify you via emailyour administrator will create a Login ID and password, and your chosen password will not be accessible by the Bank. Cutoff Times The following services are subject to the following cutoff hours on Business Days: Stop Payments 6:00 PM CT Transfers 6:00 PM CT External Transfers 6:00 PM CT Bill Payment 6:00 PM CT Your Password You are required responsible for keeping your password, account number(s), and other account information confidential. You also agree to change your Password upon password regularly. We strongly recommend you do not authorize any other person to use your initial login password. Neither Banner Bank nor any of its service providers will ever ask you for your password or your 6-digit security access code and you should never give it to Online Bankinganyone else. You understand that authorizing another person to use your password will give that person full access to your account(s) including, without limitation, creating transactions and altering services such as bill pay, etc. Such authorization shall continue to be prompted effective until you have changed your Login ID and/or you have changed your password. If you provide your password or other access information to change your Password every ninety (90) daysany other person, the Bank will not be liable for any damage resulting to you. You determine agree to notify the Bank immediately if you believe another person has improperly obtained your Password according to the criteria displayed within Online Bankingpassword. Your Password is never communicated to us. Your Password should not be associated with any commonly known personal identification, such as social security numbers, addresses, date of birth or names of children. Your Password should be memorized rather than written down. Your online access will be locked after Upon three (3) unsuccessful attempts to sign on use your password, your access to Online Bankingthe Service will be suspended. To re-establish your access authorization to Online banking you must contact use the Service, to report that your Administrator password may have been lost or the Bank stolen, or to obtain a new temporary Password. You agree to keep report that someone has transferred or may transfer money f rom your Company IDaccount without your permission, User ID and Password 1) secure and strictly confidential, providing it only to Authorized Users on your Account(s); 2) instruct each person to whom you give this information that he or she is not to disclose it to any unauthorized person; 3) immediately notify us if you believe your information may have become known to an unauthorized person. We may suspend or cancel your access even without receiving such notice from youas soon as possible by reaching out as shown in HOW TO CONTACT US, if we suspect your Password is being used in an unauthorized or fraudulent manner. We will not accept notification at the beginning of lost or stolen Passwords or unauthorized transfers via email. IF YOU FURNISH A PASSWORD AND GRANT AUTHORITY TO MAKE TRANSFERS TO A PERSON (SUCH AS AN EMPLOYEE) WHO EXCEEDS THE AUTHORITY GIVEN, YOU ARE FULLY LIABLE FOR THE TRANSFERS UNLESS YOU NOTIFY US THAT TRANSFERS BY THAT PERSON ARE NO LONGER AUTHORIZED, WITH REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. WARNING: Certain Internet browsers will prompt you to “save passwordthis Agreement.” If you elect to save your Password, it will be stored in your computer. This will allow anyone who obtains access to your computer to use your browser to sign on to Online Banking in your name and under your Password, thereby accessing your Account without your knowledge or permission. The Bank strongly urges you not to save your Password in your browser’s “memory,” even though it may save you time.

Hours of Access. You can use Online Banking may generally access your Bank account(s) through the Service seven (7) days a week, twenty-four (24) 24 hours a day. Some However, at certain times, some or all Online Banking services of the Service may not be available occasionally due to emergency system maintenance, end of day processing, or scheduled system maintenance other reasons. ACCESS: To use the Service, you must have a Bank account, access to the Internet, and an email address. When you have accepted this Agreement, you will be able to log in with the Login ID you or events beyond our controlyour administrator have created. Your first log in requires a secure access code, which will be sent by email, SMS text, or phone call, using information in Bank records. This information will also be used to provide other alerts. Your enrollment gives the Service the right to send the communications to the phone number or email address on file. You have the right to limit the communication to one of the available methods by editing your online profile. You agree that this initial access process and the other security features and procedures described in the sections titled “LOGIN ID / PASSWORD,” “DEVICE SECURITY REQUIREMENTS,” “REGISTER YOUR DEVICE” and “SECURITY” are commercially reasonable security procedures to conduct financial transactions, such as funds transfers and bill payments, through the Service. This Service may be used to access the Bank accounts for which you are an authorized signer only. We are not obligated to monitor transactions through the Service to determine that they are made on behalf of the accountholder. Any special signature restrictions that you may have established with respect to check transactions on your account(s) (e.g., two signatures required, dollar limits on signers, etc.) are not enforceable through the Service. You agree not to make any claims with respect to any such restrictions for transactions processed through the Service and agree to post notice hold the Bank harmless against any loss, liability, or claim, including attorney’s fees and costs, resulting from the processing of any extended transaction through the Service that does not meet such special signature restrictions. LOGIN ID / PASSWORD: Upon the initial enrollment, you or unusual periods of non-availability on our website at xxx.xxxxxxxxxxxx.xxx or notify you via emailyour administrator will create a Login ID and password, and your chosen password will not be accessible by the Bank. Cutoff Times The following services are subject to the following cutoff hours on Business Days: Stop Payments 6:00 PM CT Transfers 6:00 PM CT External Transfers 6:00 PM CT Bill Payment 6:00 PM CT Your Password You are required responsible for keeping your password, account number(s), and other account information confidential. You also agree to change your Password upon password regularly. We strongly recommend you do not authorize any other person to use your initial login password. Neither Banner Bank nor any of its service providers will ever ask you for your password or your 6-digit secure access code and you should never give it to Online Bankinganyone else. You understand that authorizing another person to use your password will give that person full access to your account(s) including, without limitation, creating transactions and altering services such as bill pay, etc. Such authorization shall continue to be prompted effective until you have changed your Login ID and/or you have changed your password. If you provide your password or other access information to change your Password every ninety (90) daysany other person, the Bank will not be liable for any damage resulting to you. You determine agree to notify the Bank immediately if you believe another person has improperly obtained your Password according to the criteria displayed within Online Bankingpassword. Your Password is never communicated to us. Your Password should not be associated with any commonly known personal identification, such as social security numbers, addresses, date of birth or names of children. Your Password should be memorized rather than written down. Your online access will be locked after Upon three (3) unsuccessful attempts to sign on use your password, your access to Online Bankingthe Service will be suspended. To re-establish your access authorization to Online banking you must contact use the Service, to report that your Administrator password may have been lost or the Bank stolen, or to obtain a new temporary Password. You agree to keep report that someone has transferred or may transfer money from your Company IDaccount without your permission, User ID and Password 1) secure and strictly confidential, providing it only to Authorized Users on your Account(s); 2) instruct each person to whom you give this information that he or she is not to disclose it to any unauthorized person; 3) immediately notify us if you believe your information may have become known to an unauthorized person. We may suspend or cancel your access even without receiving such notice from youas soon as possible by reaching out as shown in HOW TO CONTACT US, if we suspect your Password is being used in an unauthorized or fraudulent manner. We will not accept notification at the beginning of lost or stolen Passwords or unauthorized transfers via email. IF YOU FURNISH A PASSWORD AND GRANT AUTHORITY TO MAKE TRANSFERS TO A PERSON (SUCH AS AN EMPLOYEE) WHO EXCEEDS THE AUTHORITY GIVEN, YOU ARE FULLY LIABLE FOR THE TRANSFERS UNLESS YOU NOTIFY US THAT TRANSFERS BY THAT PERSON ARE NO LONGER AUTHORIZED, WITH REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. WARNING: Certain Internet browsers will prompt you to “save passwordthis Agreement.” If you elect to save your Password, it will be stored in your computer. This will allow anyone who obtains access to your computer to use your browser to sign on to Online Banking in your name and under your Password, thereby accessing your Account without your knowledge or permission. The Bank strongly urges you not to save your Password in your browser’s “memory,” even though it may save you time.

Hours of Access. You can use Online Banking seven (7) days a week, twenty-four (24) hours a day. Some , although some or all Online Banking services may not be available occasionally due to emergency or scheduled system maintenance or events beyond our controlmaintenance. We agree to post notice of any extended or unusual periods of non-availability on our website at xxx.xxxxxxxxxxxx.xxx or notify you via emailthe Online Banking web site. Cutoff Times The following services are subject to the following cutoff hours on Business Days: Stop Payments 6:00 PM CT Transfers 6:00 PM CT External Transfers 6:00 PM CT Bill Payment 6:00 PM CT Your Password You -For security purposes, you are required to change your Password password upon your initial login to Online Banking. You will be prompted to may also change your Password every ninety (90) daysAccess ID at this time, but it is not required. You determine what password you will use, and the identity of your Password according to the criteria displayed within Online Banking. Your Password password is never not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password and agree to change your password regularly. Upon three unsuccessful attempts to use your password, your access to Online Banking will be revoked. To re-establish your authorization to use Online Banking, you must contact us to have your password reset or to obtain a new temporary password. We require that you create a password that utilizes alpha and numeric characters for purposes of security and be at least 8 characters in length. Your Password password should not be associated with any commonly known personal identification, such as social security numbers, addressesaddress, date of birth or birth, names of children. Your Password , and should be memorized rather than written down. Your online access will be locked after three (3) unsuccessful attempts Access ID and passwords are case sensitive. Security- You understand the importance of your role in preventing misuse of your accounts through Online Banking and you agree to sign on to Online Banking. To re-establish promptly examine your access to Online banking you must contact paper or electronic statement for each of your Administrator or the Bank to obtain a new temporary Passwordaccounts as soon as youreceiveit. You agree to keep protecttheconfidentiality of youraccount and accountnumber, andyour personal identification information, such as your Company IDdriver's license number and social security number. You understand that personal identification information by itself, User ID or together with information related to your account, may allow unauthorizedaccesstoyouraccount. Yourpasswordand Access IDare intendedtoprovidesecurityagainst unauthorized entry and Password 1) secure and strictly confidential, providing it only to Authorized Users on your Account(s); 2) instruct each person to whom you give this information that he or she is not to disclose it to any unauthorized person; 3) immediately notify us if you believe your information may have become known to an unauthorized person. We may suspend or cancel your access even without receiving such notice from you, if we suspect your Password is being used in an unauthorized or fraudulent manner. We will not accept notification of lost or stolen Passwords or unauthorized transfers via email. IF YOU FURNISH A PASSWORD AND GRANT AUTHORITY TO MAKE TRANSFERS TO A PERSON (SUCH AS AN EMPLOYEE) WHO EXCEEDS THE AUTHORITY GIVEN, YOU ARE FULLY LIABLE FOR THE TRANSFERS UNLESS YOU NOTIFY US THAT TRANSFERS BY THAT PERSON ARE NO LONGER AUTHORIZED, WITH REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. WARNING: Certain Internet browsers will prompt you to “save password.” If you elect to save your Password, it will be stored in your computer. This will allow anyone who obtains access to your computer to use your browser to sign on to accounts. Data transferred via Online Banking is encrypted in an effort to provide transmission security and Online Banking utilizes identification technology to verify that the sender and receiver of Online Banking transmissions can be appropriately identified by each other. Notwithstanding our efforts to ensurethat the OnlineBankingsystem is secure, youacknowledgethat the Internet is inherentlyinsecure andthat all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers utilizing Online Banking, or e-mail transmitted to and from us, will not be monitored or read by others. Fees and Charges- You agree to pay the fees and charges for your name use of Online Banking Services as set forth in the current fee schedule. You agree that all such fees and under charges will be deducted from the Bank checking account you designate when you sign up for Online Banking. If you close your Passworddesignated Checking Account, thereby accessing you must immediately designate another Checking Account. You agree to pay any additional reasonable charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your Account without use of online banking. Posting of Transfers - Transfers initiated through Online Banking before 6:45 p.m. (Eastern Standard Time) on a business day are posted to your knowledge account the same day. Transfers completed after 6:45 p.m. (Eastern Standard Time) on a business day, Saturday, Sunday or permissionbanking holiday, will be posted on the next business day. The Bank strongly urges Online Banking identifies transfers based upon the login ID of the user who made the electronic transfer. Accordingly, you understand and acknowledge that the Transaction postings screens in both the Transfer and Xxxx Xxxxx menu options of Online may not reflect transfers made by multiple users from the same account if different login IDs are used. You agree to save communicate with any other persons with authorized access to your Password accounts concerning any transfers or bill payments from your accounts in order to avoid overdrafts. Overdrafts (Order of Payments, Transfers, and other Withdrawals)- If your browser’s “memory,” even though it may save account has insufficient funds to perform all electronic fund transfers you time.have requested for a given business day, then:

Hours of Access. You can use Online Banking may generally access your Bank account(s) through the Service seven (7) days a week, twenty-four (24) 24 hours a day. Some However, at certain times, some or all Online Banking services of the Service may not be available occasionally due to emergency system maintenance, end of day processing, or scheduled system maintenance other reasons. ACCESS: To use the Service, you must have a Bank account, access to the Internet, a phone number and an email address. When you have accepted this Agreement, you will be able to log in with the Login ID you or events beyond our controlyour administrator have created. Your first log in requires a secure access code, which will be sent by SMS text or phone call, using information in Bank records. This information will also be used to provide other alerts. Your enrollment gives the Service the right to send the communications to the phone number or email address on file. You have the right to limit the communication to one of the available methods by editing your online profile. You agree that this initial access process and the other security features and procedures described in the sections titled “LOGIN ID / PASSWORD,” “DEVICE SECURITY REQUIREMENTS,” “REGISTER YOUR DEVICE” and “SECURITY” are commercially reasonable security procedures to conduct financial transactions, such as funds transfers and bill payments, through the Service.‌ This Service may be used to access the Bank accounts for which you are an authorized signer only. We are not obligated to monitor transactions through the Service to determine that they are made on behalf of the accountholder. Any special signature restrictions that you may have established with respect to check transactions on your account(s) (e.g., two signatures required, dollar limits on signers, etc.) are not enforceable through the Service. You agree not to make any claims with respect to any such restrictions for transactions processed through the Service and agree to post notice hold the Bank harmless against any loss, liability, or claim, including attorney’s fees and costs, resulting from the processing of any extended transaction through the Service that does not meet such special signature restrictions. LOGIN ID / PASSWORD: Upon the initial enrollment, you or unusual periods of non-availability on our website at xxx.xxxxxxxxxxxx.xxx or notify you via emailyour administrator will create a Login ID and password, and your chosen password will not be accessible by the Bank. Cutoff Times The following services are subject to the following cutoff hours on Business Days: Stop Payments 6:00 PM CT Transfers 6:00 PM CT External Transfers 6:00 PM CT Bill Payment 6:00 PM CT Your Password You are required responsible for keeping your password, account number(s), and other account information confidential. You also agree to change your Password upon password regularly. We strongly recommend you do not authorize any other person to use your initial login password. Neither Banner Bank nor any of its service providers will ever ask you for your password or your 6-digit secure access code and you should never give it to Online Bankinganyone else. You understand that authorizing another person to use your password will give that person full access to your account(s) including, without limitation, creating transactions and altering services such as bill pay, etc. Such authorization shall continue to be prompted effective until you have changed your Login ID and/or you have changed your password. If you provide your password or other access information to change your Password every ninety (90) daysany other person, the Bank will not be liable for any damage resulting to you. You determine agree to notify the Bank immediately if you believe another person has improperly obtained your Password according to the criteria displayed within Online Bankingpassword. Your Password is never communicated to us. Your Password should not be associated with any commonly known personal identification, such as social security numbers, addresses, date of birth or names of children. Your Password should be memorized rather than written down. Your online access will be locked after Upon three (3) unsuccessful attempts to sign on use your password, your access to Online Bankingthe Service will be suspended. To re-establish your access authorization to Online banking you must contact use the Service, to report that your Administrator password may have been lost or the Bank stolen, or to obtain a new temporary Password. You agree to keep report that someone has transferred or may transfer money from your Company IDaccount without your permission, User ID and Password 1) secure and strictly confidential, providing it only to Authorized Users on your Account(s); 2) instruct each person to whom you give this information that he or she is not to disclose it to any unauthorized person; 3) immediately notify us if you believe your information may have become known to an unauthorized person. We may suspend or cancel your access even without receiving such notice from youas soon as possible by reaching out as shown in HOW TO CONTACT US, if we suspect your Password is being used in an unauthorized or fraudulent manner. We will not accept notification at the beginning of lost or stolen Passwords or unauthorized transfers via email. IF YOU FURNISH A PASSWORD AND GRANT AUTHORITY TO MAKE TRANSFERS TO A PERSON (SUCH AS AN EMPLOYEE) WHO EXCEEDS THE AUTHORITY GIVEN, YOU ARE FULLY LIABLE FOR THE TRANSFERS UNLESS YOU NOTIFY US THAT TRANSFERS BY THAT PERSON ARE NO LONGER AUTHORIZED, WITH REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. WARNING: Certain Internet browsers will prompt you to “save passwordthis Agreement.” If you elect to save your Password, it will be stored in your computer. This will allow anyone who obtains access to your computer to use your browser to sign on to Online Banking in your name and under your Password, thereby accessing your Account without your knowledge or permission. The Bank strongly urges you not to save your Password in your browser’s “memory,” even though it may save you time.

Hours of Access. You can use Online Banking the System seven (7) days a week, twenty-four (24) hours a day. Some , although some or all Online Banking services System Services may not be available occasionally due to emergency or scheduled system maintenance or events beyond our control. We When possible, we agree to post notice of any extended or unusual periods of non-availability on our the System website at xxx.xxxxxxxxxxxx.xxx or notify “xxx.xxxxxx.xxx”. YOUR CREDENTIALS: For security purposes, you via email. Cutoff Times The following services are subject to the following cutoff hours on Business Days: Stop Payments 6:00 PM CT Transfers 6:00 PM CT External Transfers 6:00 PM CT Bill Payment 6:00 PM CT Your Password You are required to change create your Password own password upon your initial login to Online Banking. You will be prompted to change your Password every ninety (90) daysthe System. You determine the password you will use, and the identity of your Password according to the criteria displayed within Online Banking. Your Password password is never not communicated to us. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your password. Upon three (3) unsuccessful attempts to use your password, your access to the System will be suspended. To re- establish your authorization to use the System, you may contact Bank, or reset your password online by clicking the “Forgot?” link on the password entry screen. User IDs and passwords must meet the standards we establish. These standards are available for your reference when you create or change a user ID and/or password. We may require that you change or update your credentials at any time, including to meet any new standards we may establish. Your Password password should not be associated with any commonly known personal identification, such as social security numbers, address, email addresses, date of birth birth, or names of children. Your Password , and should be memorized rather than written down. Your online access You will also be locked after three (3) unsuccessful attempts required to sign on establish a passkey and/or 2-Factor Authentication method as an extra layer of security when logging in from an unrecognized device. SECURITY/PRIVACY: You understand the importance of your role in preventing misuse of your accounts through the System and you agree to Online Banking. To re-establish promptly examine your statement for each of your Bank accounts as soon as you receive it or have access to Online banking you must contact your Administrator or the Bank to obtain a new temporary Passwordit. You agree to keep protect the confidentiality of your Company password, user ID, User ID 2-Factor Authentication code, passkey, and Password 1) secure authorized devices, which are intended to provide security against unauthorized entry and strictly confidential, providing it only to Authorized Users on your Account(s); 2) instruct each person to whom you give this information that he or she is not to disclose it to any unauthorized person; 3) immediately notify us if you believe your information may have become known to an unauthorized person. We may suspend or cancel your access even without receiving such notice from you, if we suspect your Password is being used in an unauthorized or fraudulent manner. We will not accept notification of lost or stolen Passwords or unauthorized transfers via email. IF YOU FURNISH A PASSWORD AND GRANT AUTHORITY TO MAKE TRANSFERS TO A PERSON (SUCH AS AN EMPLOYEE) WHO EXCEEDS THE AUTHORITY GIVEN, YOU ARE FULLY LIABLE FOR THE TRANSFERS UNLESS YOU NOTIFY US THAT TRANSFERS BY THAT PERSON ARE NO LONGER AUTHORIZED, WITH REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. WARNING: Certain Internet browsers will prompt you to “save password.” If you elect to save your Password, it will be stored in your computer. This will allow anyone who obtains access to your computer accounts. If you provide your password, user ID, 2-Factor Authentication code, passkey, biometric access (thumbprint/Face ID) and/or access to previously authorized devices to anyone, you authorize any transactions carried out by that person. Data transferred via the System is encrypted in an effort to provide transmission security; however, you need to meet all system requirements described in this Agreement for optimum security. Notwithstanding our efforts to ensure that the System is secure, you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and potentially can be monitored and read by others. We cannot and do not warrant that all data transfers to third parties utilizing the System, or e-mail transmitted to and from us, will not be monitored or read by others. For further information on Privacy, please read our Privacy Policy and Identity Protection Information located online. You hereby indemnify, agree to defend, and release the Bank from and against any and all liability related to and agree not to make any claim against the Bank for honoring or allowing any actions or transactions in which you have authorized the person performing the action or transaction to use your browser account or in which you have provided to sign on the person your password and/or user ID, 2-Factor Authentication code, passkey, and/or biometric access (thumbprint/Face ID), and/or access to Online Banking in your name and under your Password, thereby accessing your Account without your knowledge or permission. The Bank strongly urges you not to save your Password in your browser’s “memory,” even though it may save you timepreviously authorized devices.