Common use of IDENTITY AND PROOF OF IDENTITY Clause in Contracts

IDENTITY AND PROOF OF IDENTITY. Your Identity and Proof of Identity is used to identify you for access to Direct Services. You authorize Credit Union to accept and you agree to be responsible for any Transactions made and any electronic or verbal instructions given through Direct Services, by you or using as your Identity and your Proof of Identity, to the same extent as if you had given signed written instructions to Credit Union. You may change your Identity or Proof of Identity at any time. You will change your Identity and/or Proof of Identity promptly upon request from us. For additional security, it is recommended that you change your Password on a regular basis, such as every 90 days. You will keep your Identity and Proof of Identity confidential, and will take every reasonable precaution to keep your computers, mobile or wearable devices and tablets secure from others. This includes: • Keeping possession of the computers, mobile devices and tablets that are used to access Direct Services, and keeping any Proof of Identity separate from them. If any Proof of Identity must be written down, you will not record it on your computer, mobile or wearable devices or tablet, or keep it near your computer, mobile devices or tablet; • Avoiding a Proof of Identity that may be easily determined by others, such as your name, birthday, phone number, address, or Social Insurance Number; • Not disclosing your Identity or Proof of Identity voluntarily to anyone at any time, including to a family member, friend, financial institution employee, or law enforcement agency; and • Taking all reasonable precautions to ensure that no one finds out your Identity or your Proof of Identity while logging into the Direct Services. If you disclose your Identity or your Proof of Identity to another person, then any transaction made by that person will be deemed to have been authorized by you. You must notify us immediately, in the manner set out in section 40, as soon as you know or suspect that your Identity or your Proof of Identity has become known to someone else. You are responsible for all transactions processed through Direct Services using your Identity or your Proof of Identity, whether or not authorized by you and whether or not you have been the victim of trickery, force, intimidation or theft. You are responsible for the accuracy of your Transaction instructions, including account number, payment amount, and any other relevant information recorded or entered by you into our systems. Depending on the type of transaction, electronic payment instructions may be final and irrevocable, and it may not be possible to retrieve funds sent in error. We will not hold you liable for losses in the following circumstances: • Unauthorized use of your Identity or your Proof of Identity after you have notified us of such unauthorized use in the manner set out in section 40; or • The losses resulting from a failure, error, malfunction or technical problem of our systems. You are responsible for all other losses resulting from the use of your Identity or your Proof of Identity.

IDENTITY AND PROOF OF IDENTITY. Your Identity and Proof of Identity is used to identify you for access to Direct Services. You authorize Credit Union to accept and you agree to be responsible for any Transactions made and any electronic or verbal instructions given through Direct Services, by you or using as your Identity and your Proof of Identity, to the same extent as if you had given signed written instructions to Credit Union. You may change your Identity or Proof of Identity at any time. You will change your Identity and/or Proof of Identity promptly upon request from us. For additional security, it is recommended that you change your Password on a regular basis, such as every 90 days. You will keep your Identity and Proof of Identity confidential, and will take every reasonable precaution to keep your computers, mobile or wearable devices and tablets secure from others. This includes: • Keeping keeping possession of the computers, mobile devices and tablets that are used to access Direct Services, and keeping any Proof of Identity separate from them. If any Proof of Identity must be written down, you will not record it on your computer, mobile or wearable devices or tablet, or keep it near your computer, mobile devices or tablet; • Avoiding avoiding a Proof of Identity that may be easily determined by others, such as your name, birthday, phone number, address, or Social Insurance Number; • Not not disclosing your Identity or Proof of Identity voluntarily to anyone at any time, including to a family member, friend, financial institution employee, or law enforcement agency; and • Taking taking all reasonable precautions to ensure that no one finds out your Identity or your Proof of Identity while logging into the Direct Services. If you disclose your Identity or your Proof of Identity to another person, then any transaction made by that person will be deemed to have been authorized by you. You must notify us immediately, in the manner set out in section 40, as soon as you know or suspect that your Identity or your Proof of Identity has become known to someone else. You are responsible for all transactions processed through Direct Services using your Identity or your Proof of Identity, whether or not authorized by you and whether or not you have been the victim of trickery, force, intimidation or theft. You are responsible for the accuracy of your Transaction instructions, including account number, payment amount, and any other relevant information recorded or entered by you into our systems. Depending on the type of transaction, electronic payment instructions may be final and irrevocable, and it may not be possible to retrieve funds sent in error. We will not hold you liable for losses in the following circumstances: • Unauthorized unauthorized use of your Identity or your Proof of Identity after you have notified us of such unauthorized use in the manner set out in section 40; or • The the losses resulting from a failure, error, malfunction or technical problem of our systems. You are responsible for all other losses resulting from the use of your Identity or your Proof of Identity.

IDENTITY AND PROOF OF IDENTITY. Your Identity and Proof of Identity or that which we may require from your employees, agents or authorized users is used to identify you for access to Direct Services. You authorize Credit Union SaskCentral to accept and you agree to be responsible for any Transactions made and any electronic or verbal instructions given through Direct Services, by you or anyone using as your Identity and your Proof of Identity, to the same extent as if you had given signed written instructions to Credit UnionSaskCentral. You may change authorized users or your Identity or Proof of Identity at any time. You will change your Identity and/or Proof of Identity promptly upon request from us. For additional security, it is recommended that you change your Password on a regular basis, such as every 90 days. You will keep your Identity and Proof of Identity confidential, confidential and will take every reasonable precaution to keep your computers, mobile or wearable devices and tablets secure from others. This includes: • Keeping possession of the computers, mobile devices and tablets that are used to access Direct Services, Services and keeping any Proof of Identity separate from them. If any Proof of Identity must be written down, you will not record it on your computer, mobile or wearable devices or tablet, or keep it near your computer, mobile devices or tablet; • Avoiding a Proof of Identity that may be easily determined by others, such as your name, birthday, phone number, address, or Social Insurance Number; • Not disclosing your Identity or Proof of Identity voluntarily to anyone at any time, including to a family member, friend, financial institution employee, or law enforcement agency; and • Taking all reasonable precautions to ensure that no one finds out your Identity or your Proof of Identity while logging into the Direct Services. If you disclose your Identity or your Proof of Identity to another person, then any transaction Transaction made by that person will be deemed to have been authorized by you. You must notify us immediately, in the manner set out in section 40, 29 as soon as you know or suspect that your Identity or your Proof of Identity has become known to someone else. You are responsible for all transactions processed through Direct Services using your Identity or your Proof of Identity, whether or not authorized by you and whether or not you have been the victim of trickery, force, intimidation or theft. You are responsible for the accuracy of your Transaction instructions, including account number, payment amount, and any other relevant information recorded or entered by you into our systems. Depending on the type of transaction, electronic payment instructions may be final and irrevocable, and it may not be possible to retrieve funds sent in error. We will not hold you liable for losses in the following circumstances: • Unauthorized use of your Identity or your Proof of Identity after you have notified us of such unauthorized use in the manner set out in section 4029; or • The losses Losses resulting from a failure, error, malfunction or technical problem of our systems. You are responsible for all other losses resulting from the use of your Identity or your Proof of Identity.