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. Security Credentials 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. Security Code Credentials 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. 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. Security Code Credentials 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 Contact In Event of Unauthorized Transfer 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.