Common use of Internet Banking Service Clause in Contracts

Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session with the appearance of a small icon of a locked padlock. What this means to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any unauthorized party reading the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests.

Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session with by changing the appearance of a small icon of a locked padlockpadlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any so no unauthorized party reading can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority Certificate Authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's ’s valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's hard-’s hard- drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent “permanent” cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's ’s hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests.

Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session with by changing the appearance of a small icon of a locked padlockpadlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any so no unauthorized party reading can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's ’s valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's ’s hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent “permanent” cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's ’s hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests. Additional Security Guidelines: • All Authorized Users should sign-off after every Service session; however, online sessions will automatically end after ten (10) minutes of inactivity. This to protect you in case you accidentally leave your computer unattended after you log-in. • The security of public computers (e.g. in a library, or Internet café) cannot be assured; therefore we recommend that you refrain from accessing the Service on a public computer. • Routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or spyware may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit sensitive data to another third party or transmit a virus to other computers. • Use a firewall product (hardware and/or software), especially if you have a broadband Internet connection such as DSL or cable modem. • Keep your computer’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Service.

Internet Banking Service. Your password and Login/ Access ID are intended to provide security against unauthorized entry and access to your account(s). Data transferred via the System is encrypted in an effort to provide transmission security to ensure that the information being passed is authentic and has not been altered en route. The Bank utilizes identification technology to verify that the sender and the receiver of the transmissions can be appropriately identified by each other. Nonetheless, even in recognition of all the Bank’s efforts to ensure that the service is secure, you acknowledge that the internet has inherent security issues and that all data transfers, email included, occur openly on the Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser can potentially be monitored and read by others. Beneficial State Bank does not meet warrant that all data transfers and email messages transmitted to and from us will not be monitored by others. Fees and Charges While there is no monthly fee for accessing the Service, some fees may be charged in connection with a particular internet banking service feature that you may utilize. You agree to pay the appropriate fees and charges as disclosed to you in the Schedule of Xxxx and Charges provided with this requirementdisclosure, as amended from time to time. Whenever SSL is securing We will notify you of any changes in fees as required by law. You further agree that such fees and charges will be deducted from your communicationsBeneficial State Bank checking account designated for this purpose (the “Payment Account”). You are also responsible for telephone charges and internet service fees you incur by using this Service. Unless otherwise indicated, the browser will typically indicate this secure session with the appearance of a small icon of a locked padlock. What this means fees and charges related to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any unauthorized party reading the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID and Passcode for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the certain features of the Internet Banking ServiceService are distinct and separate from the fees and charges that are due in connection with your other accounts with the Bank. Multi-Level Authentication - We use multi-level authentication Those separate fees and charges previously disclosed to you, which are associated with your other accounts with the Bank, will continue to apply. Balance Information Balance information obtained through the Services will generally reflect credit and debit information as of the time of inquiry. The balance figure includes funds that are subject to Beneficial State Bank’s Funds Availability Policy and may include funds that are not available for immediate withdrawal or transfer. However, fund transfers within and among your enrolled Beneficial State Bank accounts that are completed before 5:00 PM (or enhanced securityPST) to help prevent unauthorized access to your on a business day are processed that day and will be accordingly reflected on the balance information of the affected accounts. As part Beneficial State Bank Not Obligated to Honor Transfer Bank may, in our sole discretion, refuse to accept or otherwise execute any request for Services, whether for cause or without cause, and shall have no liability for such refusal. Should any request not be performed by us in accordance with instructions received from you, we shall notify you on or before the Bank’s next business day or otherwise by more expeditious means (including telephone notice). Messages Messages sent to Beneficial State Bank through email function are not encrypted; please do not send confidential information, such as an account number or tax identification number, using this method of our enhanced security solution communication. Messages sent to us via email are not reviewed by us immediately after the message is sent. Rather, we will review messages periodically throughout the business day. If immediate attention is required, you must contact us by telephone or in person or through some other procedure not using the Services. Your email messages may ask be acted upon by us if received in a manner and in a time providing us reasonable opportunity to act. Nevertheless, unless otherwise provided herein, email messages will not serve as a substitute for any requirement imposed on you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requestsprovide us with “written” notice.

Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session with by changing the appearance of a small icon of a locked padlockpadlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any so no unauthorized party reading can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's ’s valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID Username and Passcode Password for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's ’s hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's ’s hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests.

Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session with by changing the appearance of a small icon of a locked padlockpadlock at the bottom of the screen from open to locked. What this means to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any so no unauthorized party reading can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's ’s valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID and Passcode Password for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's ’s hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's ’s hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests. Tokens - A security token is a small hardware device that the owner carries to authorize access. Security tokens provide an extra level of assurance through a method known as two-factor authentication: the user has a personal identification number (PIN), which authorizes them as the owner of that particular device; the device then displays a number which uniquely identifies the user to the service, allowing them to log in. The identification number for each user is changed frequently.

Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session with by changing the appearance of a small icon of a locked padlockpadlock at the bottom of the screen from “open” to “locked”. What this means to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any so no unauthorized party reading can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority Certificate Authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's ’s valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID Username and Passcode Password for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's ’s hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent “permanent” cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's ’s hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a One Time PIN (OTP) which can be used to help authenticate your login or transaction requests.

Internet Banking Service. The Internet Banking Service requires a browser that supports 128-bit encryption encryption, and we will warn you if your browser does not meet this requirement. Whenever SSL is securing your communications, the browser will typically indicate this secure session with by changing the appearance of a small icon of a locked padlockpadlock at the bottom of the screen from "open" to "locked". What this means to you is that your communications are scrambled from your browser to our servers at all times to minimize the risk of any so no unauthorized party reading can read the information as it is carried over the Internet. Certificate Authority - The servers hosting the Internet Banking Service have been certified by a certificate authority to help assure you that you are actually talking to the Internet Banking Service instead of someone pretending to be us. By clicking on the lock within the Internet Banking Service, you can view the certificate to ensure it's valid. Cookies - During your use of the Internet Banking Service, our Internet banking Service Provider will pass an encrypted session cookie to your computer that enables us to process multiple transactions during the session without having to provide an Access ID Username and Passcode Password for each individual transaction. You must accept this cookie to use the Internet Banking Service. The session cookie is stored on your computer's hard-drive, identifying your computer while you are logged on. The session cookie does not contain any personal information. When you log off, close your browser, or turn off your machine, the session cookie will be destroyed. A new cookie is used for each session; thus, no one can use the prior cookie to access your account. Our Service Provider also uses persistent or permanent "permanent" cookies to identify this Institution and your computer as part of our enhanced security. The permanent cookies will remain on your computer's hard drive until you clear cookies with your browser. If you do not accept these cookies, you may not be able to use all the features of the Internet Banking Service. Multi-Level Authentication - We use multi-level authentication (or enhanced security) to help prevent unauthorized access to your accounts. As part of our enhanced security solution we may ask you to select challenge do one or a combination of the following: • Security token • Challenge questions which may be used to help verify your identity in the event unusual login or transaction activity is detected. We may also send you a and answers • One Time PIN (OTP) which can be used to help authenticate your login or transaction requests.)