Common use of Password Clause in Contracts

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution customer number and password. No one at Financial Institution has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution will know or need to know your password, and Financial Institution employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution OneUnited Bank customer number and password. No one at Financial Institution OneUnited Bank has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution OneUnited Bank will know or need to know your password, and Financial Institution OneUnited Bank employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Funds Transfer customer number and password. No one at Financial Institution NEWBURYPORT BANK has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution NEWBURYPORT BANK will know or need to know your password, and Financial Institution NEWBURYPORT BANK employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our sitecall: 000-000-0000 x0000 or fax: 000- 000-0000 , or e-mail: xxxxx@xxxxxxxxxxxxxxx.xxx , or write: Funds Transfer Administrator, NEWBURYPORT BANK 00 Xxxxx Xxxxxx, X.X. Xxx 000, Xxxxxxxxxxx, XX 00000 . Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable youEach individual who has access to the Bank’s E-Banking Services, including each individual named on joint Accounts, must designate a Username (“Username”) and a create a password (“Password”) during your initial sign on. Your Password must be a minimum of 9 characters, up to a maximum of 17 characters, which must consist of a combination of characters that includes upper case, lower case, numbers, and only you, symbols. You will be required to change your password periodically to enhance security. All E-Banking Services transactions or inquiries must be initiated by use of your Username and Password. We may accept as authentic any instructions given to us through the Serviceuse of your Password. You may select a Username and we will assign you an initial Password after we have accepted your Application. You must choose a different Username if the Username you initially selected is unavailable. Upon your receipt of your initial Password, you hereby agree to change your Password to a confidential one of your choosing. The system will prompt you to change your Password during your initial sign on. You may change your Password at any time by selecting the “USER OPTIONS” button located on the main E-Banking webpage, and then select the “CHANGE PASSWORD” button. Do not use your Social Security Number, birthday, name, or other codes that may be asked easy for others to choose a password when you register and are accepted determine as a customer of the Service. This password is stored in encrypted form by usyour Password. You are solely responsible for maintaining the confidentiality safeguarding your Username and Passwords and will be solely liable for any damages for your failure to safeguard this information. Confidentiality of your Financial Institution customer number and passwordYour PASSWORD. No one at Financial Institution has bank employee will ever ask for your Password, nor should you provide it to anyone. You agree to keep your Password confidential. If you are contacted by anyone requesting this information, please contact us immediately. Use of the Password by you or by any other person will be considered the same as your written signature authorizing us to complete any transaction or request communications through E-Banking Services. You agree that any E-Banking Services transaction or request initiated by use of the Password will be subject to and governed by this Agreement. If you allow another person to use your Password, that person can use E-Banking Services to view any information or initiate any transaction on any of the Accounts to the same extent as you, including viewing information or initiating transactions on Accounts to which that person does not otherwise have access. As such, do not share your Username and Password. If a third party should gain access to your Accounts passwords or user ID's. You Password, you alone are responsible for uses of changing the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution will know or need Password so as to know deny the third party's access to your password, and Financial Institution employees will never ask for your passwordbanking information. If you wish permit another person to make a transfer to an Account of another personuse E-Banking Services or give that person your Username or Password, you will be asked to provide a separate code word are solely liable for transfers or phrase (the "Shared Secret") advances that is known only to you and to the person to whom you are transferring the funds (the "Recipient")makes from your Accounts even if that person exceeds your authorization. We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. THE BANK WILL HAVE NO LIABILITY TO YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT OR A THIRD PARTY FOR ANY REASONUNAUTHORIZED PAYMENT OR TRANSFER MADE USING YOUR PASSWORD THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE immediately if your Password is lost or stolen or if you believe someone else has discovered your password has been lost or stolenPassword. Telephoning us promptly is the best way to protect yourself from possible lossesPlease call (000) 000-0000 during normal business hours. If any unauthorized use of your Password occurs you never tell usagree to (1) cooperate with us and appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide assistance requested by us in recovering any unauthorized transfer of funds. Never leave your Device unattended while accessing E-Banking Services. A third party may be able to access your Accounts, without ever needing to use your Password. You should always exit E-Banking Services completely after you finish viewing your Accounts or conducting other transactions. To completely exit, you could lose all of must select the money in your account (plus your maximum overdraft line of credit)"LOG OUT" option. However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you Failure to do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we so could have stopped someone from using the same effect as leaving your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking Device unattended while still logged on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsE-Banking Services.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution First Community Credit Union customer number and password. No one at Financial Institution First Community Credit Union has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution First Community Credit Union will know or need to know your password, and Financial Institution First Community Credit Union employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Funds Transfer with Customer Assumed Risk customer number and password. No one at Financial Institution FinWise Bank has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution FinWise Bank will know or need to know your password, and Financial Institution FinWise Bank employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our sitecall: +0 (000) 000-0000 or fax: , or e- mail: xxxxxxx@xxxxxxxxxxx.xxx, or write: Funds Transfer with Customer Assumed Risk Administrator, FinWise Bank 000 Xxxx 0000 Xxxxx, Xxxxx, Xxxx 00000. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable youEach individual who has access to the Bank’s E-Banking Services, including each individual named on joint Accounts, must designate a Username (“Username”) and a create a password (“Password”) during your initial sign on. Your Password must be a minimum of 8 characters, up to a maximum of 17 characters, which must consist of at least one (1) numeric character, one (1) alpha character, and only you, one (1) special character. You will be required to change your password periodically to enhance security. All E-Banking Services transactions or inquiries must be initiated by use of your Username and Password. We may accept as authentic any instructions given to us through the Serviceuse of your Password. You may select a Username and we will assign you an initial Password after we have accepted your Application. You must choose a different Username if the Username you initially selected is unavailable. Upon your receipt of your initial Password, you hereby agree to change your Password to a confidential one of your choosing. The system will prompt you to change your Password during your initial sign on. You may change your Password at any time by selecting the “USER OPTIONS” button located on the main E-Banking webpage, and then select the “CHANGE PASSWORD” button. Do not use your Social Security Number, birthday, name, or other codes that may be asked easy for others to choose a password when you register and are accepted determine as a customer of the Service. This password is stored in encrypted form by usyour Password. You are solely responsible for maintaining safeguarding your Username and Passwords and will be solely liable for any damages for your failure to safeguard this information. Confidentiality of Your PASSWORD No bank employee will ever ask for your Password, nor should you provide it to anyone. You agree to keep your Password confidential. If you are contacted by anyone requesting this information, please contact us immediately. Use of the confidentiality Password by you or by any other person will be considered the same as your written signature authorizing us to complete any transaction or request communications through E-Banking Services. You agree that any E-Banking Services transaction or request initiated by use of the Password will be subject to and governed by this Agreement. If you allow another person to use your Financial Institution customer number Password, that person can use E- Banking Services to view any information or initiate any transaction on any of the Accounts to the same extent as you, including viewing information or initiating transactions on Accounts to which that person does not otherwise have access. As such, do not share your Username and passwordPassword. No one at Financial Institution has If a third party should gain access to your Accounts passwords or user ID's. You Password, you alone are responsible for uses of changing the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution will know or need Password so as to know deny the third party's access to your password, and Financial Institution employees will never ask for your passwordbanking information. If you wish permit another person to make a transfer to an Account of another personuse E-Banking Services or give that person your Username or Password, you will be asked to provide a separate code word are solely liable for transfers or phrase (the "Shared Secret") advances that is known only to you and to the person to whom you are transferring the funds (the "Recipient")makes from your Accounts even if that person exceeds your authorization. We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. THE BANK WILL HAVE NO LIABILITY TO YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT OR A THIRD PARTY FOR ANY REASONUNAUTHORIZED PAYMENT OR TRANSFER MADE USING YOUR PASSWORD THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE immediately if your Password is lost or stolen or if you believe someone else has discovered your password has been lost or stolenPassword. Telephoning us promptly is the best way to protect yourself from possible lossesPlease call (830) 000- 0000 during normal business hours. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft any unauthorized use of your password, Password occurs you agree to (1) cooperate with us and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide assistance requested by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsrecovering any unauthorized transfer of funds.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution customer number Funds Transfer user ID and password. No one at Financial Institution OneAZ Credit Union has access to your Accounts passwords user ID or user ID'spasswords. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution OneAZ Credit Union will know or need to know your password, and Financial Institution OneAZ Credit Union employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using immediately. Contact information is available in the instructions on Contact Us section of our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending website at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsxxx.xxxxxxx.xxx.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution customer number and password. No one at Financial Institution has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution will know or need to know your password, and Financial Institution employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Funds Transfer with Customer Assumed Risk customer number and password. No one at Financial Institution FinWise Bank has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution FinWise Bank will know or need to know your password, and Financial Institution FinWise Bank employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our sitecall: +0 (000) 000-0000 or fax: , or e- mail: xxxxxxxxxx@xxxxxxxxxxx.xxx, or write: Funds Transfer with Customer Assumed Risk Administrator, FinWise Bank 000 Xxxx 0000 Xxxxx, Xxxxx, Xxxx 00000. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution customer number Funds Transfer user ID and password. No one at Financial Institution Arizona State Credit Union has access to your Accounts passwords user ID or user ID'spasswords. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution Arizona State Credit Union will know or need to know your password, and Financial Institution Arizona State Credit Union employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using immediately. Contact information is available in the instructions on Contact Us section of our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending website at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsxxx.xxxxxx.xxx.

Password. To enable youEach individual who has access to the Bank’s E-Banking Services, including each individual named on joint Accounts, must designate a Username (“Username”) and a create a password (“Password”) during your initial sign on. Your Password must be a minimum of 8 characters, up to a maximum of 17 characters, which must consist of at least one (1) numeric character, one (1) alpha character, and only you, one (1) special character. You will be required to change your password periodically to enhance security. All E-Banking Services transactions or inquiries must be initiated by use of your Username and Password. We may accept as authentic any instructions given to us through the Serviceuse of your Password. You may select a Username and we will assign you an initial Password after we have accepted your Application. You must choose a different Username if the Username you initially selected is unavailable. Upon your receipt of your initial Password, you hereby agree to change your Password to a confidential one of your choosing. The system will prompt you to change your Password during your initial sign on. You may change your Password at any time by selecting the “USER OPTIONS” button located on the main E-Banking webpage, and then select the “CHANGE PASSWORD” button. Do not use your Social Security Number, birthday, name, or other codes that may be asked easy for others to choose a password when you register and are accepted determine as a customer of the Service. This password is stored in encrypted form by usyour Password. You are solely responsible for maintaining safeguarding your Username and Passwords and will be solely liable for any damages for your failure to safeguard this information. Confidentiality of Your PASSWORD No bank employee will ever ask for your Password, nor should you provide it to anyone. You agree to keep your Password confidential. If you are contacted by anyone requesting this information, please contact us immediately. Use of the confidentiality Password by you or by any other person will be considered the same as your written signature authorizing us to complete any transaction or request communications through E-Banking Services. You agree that any E-Banking Services transaction or request initiated by use of the Password will be subject to and governed by this Agreement. If you allow another person to use your Financial Institution customer number Password, that person can use E- Banking Services to view any information or initiate any transaction on any of the Accounts to the same extent as you, including viewing information or initiating transactions on Accounts to which that person does not otherwise have access. As such, do not share your Username and passwordPassword. No one at Financial Institution has If a third party should gain access to your Accounts passwords or user ID's. You Password, you alone are responsible for uses of changing the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution will know or need Password so as to know deny the third party's access to your password, and Financial Institution employees will never ask for your passwordbanking information. If you wish permit another person to make a transfer to an Account of another personuse E-Banking Services or give that person your Username or Password, you will be asked to provide a separate code word are solely liable for transfers or phrase (the "Shared Secret") advances that is known only to you and to the person to whom you are transferring the funds (the "Recipient")makes from your Accounts even if that person exceeds your authorization. We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. THE BANK WILL HAVE NO LIABILITY TO YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT OR A THIRD PARTY FOR ANY REASONUNAUTHORIZED PAYMENT OR TRANSFER MADE USING YOUR PASSWORD THAT OCCURS BEFORE YOU HAVE NOTIFIED US OF POSSIBLE UNAUTHORIZED USE AND WE HAVE HAD A REASONABLE OPPORTUNITY TO ACT ON THAT NOTICE. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE immediately if your Password is lost or stolen or if you believe someone else has discovered your password has been lost or stolenPassword. Telephoning us promptly is the best way to protect yourself from possible lossesPlease call (785) 000- 0000 during normal business hours. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft any unauthorized use of your password, Password occurs you agree to (1) cooperate with us and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time appropriate law enforcement authorities in identifying and prosecuting the perpetrator; and (2) provide assistance requested by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsrecovering any unauthorized transfer of funds.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Presidential Bank FSB customer number and password. No one at Financial Institution Presidential Bank FSB has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution Presidential Bank FSB will know or need to know your password, and Financial Institution Presidential Bank FSB employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Funds Transfer with Customer Assumed Risk customer number and password. No one at Financial Institution JetStream Federal Credit Union has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution JetStream Federal Credit Union will know or need to know your password, and Financial Institution JetStream Federal Credit Union employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. call: or fax: +0 (000) 000-0000, or e- mail: xxxxxxxxx@xxxxxxxxxxxx.xxx, or write: Funds Transfer with Customer Assumed Risk Administrator, JetStream Federal Credit Union , X.X. Xxx 0000, Xxxxx Xxxxx, XX 00000 Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Funds Transfer customer number and password. No one at Financial Institution BankFinancial, NA has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution BankFinancial, NA will know or need to know your password, and Financial Institution BankFinancial, NA employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our sitecall: 000-000-0000 or fax: 000-000-0000 , or e-mail: xxxxxxxxxxxxx@xxxxxxxxxxxxx.xxx , or write: Funds Transfer Administrator, BankFinancial, NA 0000 X. 00xx Xx., Xxxxxxx Xxxxx, XX, 00000 . Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution customer number and password. No one at Financial Institution Sunmark Federal Credit Union has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution Sunmark Federal Credit Union will know or need to know your password, and Financial Institution Sunmark Federal Credit Union employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Business Days The Service will process requests for transfers on business days. Our business days are Monday through Friday. Holidays and Bank Holidays are not included. Transfer Types and Limitations Types of Transfers You may use your Sunmark Federal Credit Union password to access Funds Transfer within the Service to transfer funds between any two of your Accounts about which you have provided the necessary information to Sunmark Federal Credit Union. Transfers can be between Accounts within the same financial institution or at an unrelated financial institution (although transfers between Accounts at the same institution may be affected more quickly by contacting the institution directly). You may use your Sunmark Federal Credit Union password to access Popmoney within the Service to transfer funds from one of your Accounts to an account of a Recipient. You may send money to a Recipient using a mobile telephone number, an email address, or a routing and account number. Some of these services may not be available at all times. We may from time to time make available additional or new features to the Service, including but not limited to, a next day service and a higher limit service. You will be approved or declined for any such additional service at our sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to affect any funds transfers from your Accounts. We may at any time decline to effect any funds transfer that we believe may violate applicable law.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Funds Transfer customer number and password. No one at Financial Institution OneUnited Bank has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution OneUnited Bank will know or need to know your password, and Financial Institution OneUnited Bank employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our sitecall: (877) ONE-UNITED or fax: (000) 000-0000, or e-mail: xxxxxxxxxxxxxxx@xxxxxxxxx.xxx, or write: Funds Transfer Administrator, OneUnited Bank 0000 Xxxxxxxx Xxxx, Los Angeles, CA, 90016. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution Funds Transfer customer number and password. No one at Financial Institution MIT Federal Credit Union has access to your Accounts passwords or user ID's’s. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution MIT Federal Credit Union will know or need to know your password, and Financial Institution MIT Federal Credit Union employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "“Shared Secret"”) that is known only to you and to the person to whom you are transferring the funds (the "“Recipient"”). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In Contact in the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our sitecall: 000-000-0000 or fax: 000-000-0000 , or e-mail: xxxxxx@xxx.xxx, or write: Funds Transfer Administrator, MIT Federal Credit Union 000 Xxxxxxxxxx Xxxxxx, Xxxxxxxxx, XX 00000-0000. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum non-sufficient funds/overdraft (NSF/OD) line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Password. To enable you, and only you, to use the Service, you will be asked to choose a password when you register and are accepted as a customer of the Service. This password is stored in encrypted form by us. You are responsible for maintaining the confidentiality of your Financial Institution customer number and password. No one at Financial Institution Sunmark Credit Union has access to your Accounts passwords or user ID's. You are responsible for uses of the Service whether or not actually or expressly authorized by you. Therefore, it is important that you DO NOT SHARE YOUR ACCOUNT NUMBER OR PASSWORD WITH ANYONE FOR ANY REASON. No one at Financial Institution Sunmark Credit Union will know or need to know your password, and Financial Institution Sunmark Credit Union employees will never ask for your password. If you wish to make a transfer to an Account of another person, you will be asked to provide a separate code word or phrase (the "Shared Secret") that is known only to you and to the person to whom you are transferring the funds (the "Recipient"). We recommend that you do not use commonly used words, phrases or dates. In order to complete the transfer, the Recipient must provide the Shared Secret and certain other identifying information. YOU AGREE THAT YOU WILL NOT GIVE THE SHARED SECRET TO ANYONE EXCEPT THE RECIPIENT FOR ANY REASON. YOU FURTHER AGREE THAT YOU WILL INSTRUCT THE RECIPIENT NOT TO GIVE THE SHARED SECRET TO ANYONE ELSE FOR ANY REASON. In the Event of Unauthorized Transfer If you believe your password or Shared Secret has been lost or stolen, or that someone has transferred or may transfer money from your Account without your permission, contact us using the instructions on our site. Consumer Liability You agree to notify us AT ONCE if you believe your password has been lost or stolen. Telephoning us promptly is the best way to protect yourself from possible losses. If you never tell us, you could lose all of the money in your account (plus your maximum overdraft line of credit). However, if you tell us within 2 business days, you can lose no more than $50 if someone used your password without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your password, and we can prove we could have stopped someone from using your password without your permission if you had told us, you could lose as much as $500. You can see a complete statement of all your funds transfers effected or pending at any time by clicking on the History tab. If your statement shows transfers that you did not make, notify us AT ONCE. If you do not tell us within 60 days after the transfer was posted to your statement, you may not get back any money you lost after the 60 days, if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. Business Days The Service will process requests for transfers on business days. Our business days are Monday through Friday. Holidays and Bank Holidays are not included. Transfer Types and Limitations Types of Transfers You may use your Sunmark Credit Union password to access Funds Transfer within the Service to transfer funds between any two of your Accounts about which you have provided the necessary information to Sunmark Credit Union. Transfers can be between Accounts within the same financial institution or at an unrelated financial institution (although transfers between Accounts at the same institution may be affected more quickly by contacting the institution directly). You may use your Sunmark Credit Union password to access Popmoney within the Service to transfer funds from one of your Accounts to an account of a Recipient. You may send money to a Recipient using a mobile telephone number, an email address, or a routing and account number. Some of these services may not be available at all times. We may from time to time make available additional or new features to the Service, including but not limited to, a next day service and a higher limit service. You will be approved or declined for any such additional service at our sole discretion and additional terms and conditions may apply. Please ensure that you have sufficient funds to affect any funds transfers from your Accounts. We may at any time decline to effect any funds transfer that we believe may violate applicable law.