Common use of Linking Accounts Clause in Contracts

Linking Accounts. We reserve the right to limit which Accounts may be “linked” under the Services. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a User ID and password. These credentials, with the other components of your Security Credentials, will give access to your Accounts through the Service. You will be required to create your User ID and Password during initial enrollment to the Service. Thereafter, you agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree not to disclose your Security Credentials to anyone and to take other reasonable precautions to ensure the safety, security and integrity of transactions conducted with your computer or mobile device (for example, do not write them down). NOTE: Some browser software may store user names and security codes to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser’s “Help” screen for more information on this feature. For security reasons we may disable your Security Credentials, for example if they are entered incorrectly several times. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. You agree that if you give your Security Credentials to anyone, you do so at your own risk since anyone with your Security Credentials will have access to your Accounts. At any time you may ask us to disable your Security Credentials to prevent further access by others or for any other reason. Except to the extent limited by applicable law, you agree to indemnify and release us from liability for any claims related to our having honored a transaction or action in reliance on your Security Credentials having been provided to us to facilitate the transaction or action. After unsuccessful attempts to use your Security Credentials, we may revoke your access to the Services. To re- establish your access to the Services, you agree to contact us at 0-000-000-0000.

Linking Accounts. We reserve the right to limit which Accounts may be “linked” under the Services. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you You represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a User ID customer number, logon name, and password. These credentials, with the other components of your Security CredentialsCodes, will give access to your Accounts through the Service. You will be required agree to create implement and maintain administrative, technical and physical safeguards to protect against unauthorized access to or use of any account information which you may access or store on your User ID and Password during initial enrollment to computer or other data storage system(s). Without limiting the Service. Thereafterforegoing, you agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree not to disclose your Security Credentials Codes to anyone and to take other reasonable precautions to ensure the safety, security and integrity of transactions conducted with your computer or mobile device (for example, do not write them down). NOTE: Some browser software may store user names and security codes to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser’s “Help” screen for more information on this feature. For security reasons we may disable your Security CredentialsCodes, for example if they are entered incorrectly several times. Passwords should not be easy to guess: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. After unsuccessful attempts to use your Security Codes, we may revoke your access to the Services. To re-establish your access to the Services, you agree to contact us at (000) 000-0000 or at Xxxxxxxxxx@xxxxxxx.xxx. You agree that if you give your Security Credentials Codes to anyone, you do so at your own risk since anyone with your Security Credentials Codes will have access to your Accounts. At any time you may ask us to disable your Security Credentials Codes to prevent further access by others or for any other reason. Except to the extent limited by applicable law, you agree to indemnify and release us from liability for any claims related to our having honored a transaction or action in reliance on your Security Credentials Codes having been provided to us to facilitate the transaction or action. After unsuccessful attempts to use your Security Credentials, we may revoke your access to the Services. To re- establish your access to the Services, you agree to contact us at 0-000-000-0000.

Linking Accounts. Accounts will automatically link to the Services based of your relationship to the Accounts. We reserve the right to limit which Accounts may be “linked” under the Services. Any signer on refuse to link any linked AccountAccounts, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by usour discretion. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a User user ID, and password. You control the user ID and password. These credentials, with the other components of your Security CredentialsCodes, will give access to your Accounts through the Service. You will be required agree to create protect the confidentiality of your User Account information and Account numbers. You also agree to protect the confidentiality of your personal identification information, such as your driver's license number and social security number. Your contribution is important to protect the security of your access to the Services. You can help prevent unauthorized access by following these security tips:  Protect your Security Codes, including user ID and Password during initial enrollment password by keeping them unique and known only to the Serviceyou. Thereafter, you agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently They should be memorized rather than written down;  Change your password routinely; a good practice is every 90 days;  Choose a password that uses both upper and lower case alpha and numeric characters for purposes of security, and is difficult to guess. You agree not to disclose Avoid using an easily guessed password such as a word found in the dictionary, your Security Credentials to anyone and to take name, your significant other's name, your pet's name, your birthday, or any other reasonable precautions to ensure commonly known personal identification, such as social security numbers, address, or names of children;  Your password should be memorized rather than written down or displayed in a place where others can view it;  Log off the safety, security and integrity of transactions conducted with System by clicking on the "Log Off" option. We also suggest you clear your computer or mobile device (for example, do not write them down). NOTE: Some cache by shutting down your browser software may store user names and security codes to facilitate the future use of a web site. For security reasonswhich will normally clear your cache; alternatively, you agree to disable this feature can clear your cache using the instructions provided in your browser's online help system;  Maintain general security over your personal computer such as virus protection and employ physical access controls; and  Maintain your hardware, software and Internet service and ensure that you have the latest in security updates. Check your browser’s “Help” screen for more information on this feature. For security reasons we may disable your  Montecito Bank Trust: Cyber Security Credentials, for example if they are entered incorrectly several times. Passwords should not be easy to guessor  Federal Trade Commission: for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. Online Security We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. You agree The term "Security Codes" will include any supplemental authentication tools that if you give are used by you. Data transferred via the System is encrypted in an effort to provide transmission security. The System also utilizes encryption identification technology to verify that the sender and receiver of the System transmissions can be appropriately identified by each other. This is designed to assist your Security Credentials computer and our computer in identifying each other as authorized users of the System. Notwithstanding our efforts to anyoneinsure that the System is secure, you acknowledge that the Internet is inherently insecure and that all data transfers (including funds transfers, Bill Payments and electronic mail communications) occur openly on the Internet. This means that the data transfers potentially can be monitored and read by others. We cannot and do so at your own risk since anyone with your Security Credentials not warrant that all data transfers utilizing the System will have access to your Accountsnot be monitored or read by others. A Communication received by us after the cut-off time on a business day, or on a day that is not a business day, may be treated by us as if it were received on the next business day. At any time you may ask us to disable your Security Credentials to prevent further access by others or for any other reason. Except to the extent limited by applicable lawour option, you agree to indemnify and release us from liability for any claims related to our having honored a transaction or action in reliance on your Security Credentials having been provided to us to facilitate the transaction or action. After unsuccessful attempts to use your Security Credentialshowever, we may revoke your access treat it as received the same day as the day of receipt. There can be a delay between the time when you send a Communication to us and the Servicestime we receive it. To re- establish your access to Our current cut-off hour for transfers between Accounts is 5:00PM. Bill Payment and check stop payment orders may have separate cut-off hours, identified below or in the Services, you agree to contact us at 0-000-000-0000Bill Pay and Zelle Terms of Service.

Linking Accounts. We reserve the right to limit which Accounts may be “linked” under the Services. Any signer on any linked Account, acting alone, is authorized by you to access and use Services for any other linked Account, whether or not that person would be authorized to transact on the other linked Account in the absence of this Agreement. As to commercial accounts (as applicable), you represent and warrant that you have authorization from the Account owner to engage in each Service used by you affecting an Account that is linked. You make this representation and warranty at the time the Accounts are linked and each time you use a Service to access or transact on an Account. These representations and warranties are in addition to any others contained in this Agreement or in any supplemental agreements that may be required by us. During your enrollment for the Services, you are required to select or will be assigned certain numbers, codes, marks, signs, public keys or other means of authenticating your identity and electronic communications in your name. These may include a User ID logon name and password. These credentials, with the other components of your Security CredentialsCodes, will give access to your Accounts through the Service. You will be required to create your User ID and Password during initial enrollment to the Service. Thereafter, you agree to change all passwords with sufficient frequency so as to protect confidentiality, and in any event no less frequently than every 90 days. You agree not to disclose your Security Credentials Codes to anyone and to take other reasonable precautions to ensure the safety, security and integrity of transactions conducted with your computer or mobile device (for example, do not write them down). NOTE: Some browser software may store user names usernames and security codes to facilitate the future use of a web site. For security reasons, you agree to disable this feature in your browser. Check your browser’s “Help” screen for more information on this feature. For security reasons we may disable your Security CredentialsCodes, for example if they are entered incorrectly several times. Passwords should not be easy to guess: guess for example, your children’s or pet’s names, birth dates, addresses or other easily recognized identification related to you. It is also recommended you do not have your browser automatically remember your password. We may offer to you or require you to use additional authentication tools or methods from time to time. If you choose not to implement supplemental authentication tools, your access to some or all Services may be limited. You agree that if you give your Security Credentials Codes to anyone, you do so at your own risk since anyone with your Security Credentials Codes will have access to your Accounts. At any time time, you may ask us to disable your Security Credentials Codes to prevent further access by others or for any other reason. Except to the extent limited by applicable law, you agree to indemnify and release us from liability for any claims related to our having honored a transaction or action in reliance on your Security Credentials Codes having been provided to us to facilitate the transaction or action. After unsuccessful attempts to use your Security CredentialsCodes, we may revoke your access to the Services. To re- re-establish your access to the Services, you agree to contact us at 0-000-000-00000000 If you believe any part of your Security Code, including your password, has been lost or stolen call 0-000-000-0000 or write: First Northern Bank, Client Solutions, P.O. Box 547, Dixon, CA 95620 You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.