Common use of Password Clause in Contracts

Password. The password you select is for the security of your account. We recommend that you frequently change your password. We recommend that you memorize your password and do not write it down. You are responsible for keeping your password and account information confidential. Any person who you permit to use your password will be an authorized user on your account. An authorized user may transfer funds from your savings, checking, money market and loan account(s), authorize xxxx payments and do any transactions available using your password. You authorize us to follow any instructions entered through the site using your password. If you authorized someone else to use your password, you are responsible for all transactions that that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized. If you believe your password has been lost, stolen or that someone has accessed your account without your permission, notify us immediately by calling us at (000) 000-0000. eAlerts Through this site, you may sign up to receive electronic email alerts (“eAlerts”). After you sign up, you will receive electronic email messages from us containing account information and activity. You must provide a valid email address to receive eAlerts. By signing up for eAlerts, you agree to the following terms and conditions:  We may send eAlerts through your email service provider to deliver account information and activity to you with your email service provider acting as your agent in this capacity.  eAlerts are available seven days a week, 24 hours a day. However, at certain times, eAlerts will not be available due to technical problems and/or routine maintenance.  There is no credit union imposed service charge for eAlerts but you are responsible for any and all charges, including, but not limited to fees associated with email messages imposed by your Internet service provider and/or mobile phone service provider.  We may introduce, remove, or replace eAlerts’ features or services at any time. We may also suspend or cancel eAlerts at any time without notice to you. You have the right to cancel eAlerts at any time.  eAlerts are for your convenience and do not replace access to Cal Coast Online or your monthly account statement(s), which is the official record of your account(s).  eAlerts are not encrypted and may include personal account information and activity. You are responsible for maintaining the security of this information. We are not liable for losses or damages arising from any disclosure of account information and activity to third parties.  The credit union will do its best to provide eAlerts in a timely manner with current information but eAlerts may be delayed or undeliverable due to a variety of factors beyond our control (such as system failures or misdirected delivery). We do not guarantee the delivery or accuracy of the contents of eAlerts.  You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, costs and expenses (including reasonable attorney’s fees) arising if you provide an email address that is not your own or your violation of applicable federal, state, local law, regulation, or ordinance.  UNLESS OTHERWISE REQUIRED BY LAW, WE ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY eALERTS. NOR SHALL WE BE RESPONSIBLE FOR ANY LATE FEES, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF eALERTS. THE eALERTS SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. Online Banking Limitations You may make funds transfers between your enrolled accounts, you have with other financial institutions as often as you like. However, transfers from your savings accounts will be limited to a total of six (6) in any one month. For transfers to other member account(s), the other member must provide you with the account number. You may use this information along with the member’s name to transfer funds. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. Additional transfer limitations may apply to External Account Transfers. Please refer to the External Account Transfer Section of this document for additional information. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

Password. The password you select is for the security of your account. We recommend that you frequently change your password. We recommend that you memorize your password and do not write it down. You are responsible for keeping your password and account information confidential. Any person who you permit to use your password will be an authorized user on your account. An authorized user may transfer funds from your savings, checking, money market and loan account(s), authorize xxxx payments and do any transactions available using your password. You authorize us to follow any instructions entered through the site using your password. If you authorized someone else to use your password, you are responsible for all transactions that that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized. If you believe your password has been lost, stolen or that someone has accessed your account without your permission, notify us immediately by calling us at (000) 000-0000. eAlerts Through this site, you may sign up to receive electronic email alerts (“eAlerts”). After you sign up, you will receive electronic email messages from us containing account information and activity. You must provide a valid email address to receive eAlerts. By signing up for eAlerts, you agree to the following terms and conditions:  We may send eAlerts through your email service provider to deliver account information and activity to you with your email service provider acting as your agent in this capacity.  eAlerts are available seven days a week, 24 hours a day. However, at certain times, eAlerts will not be available due to technical problems and/or routine maintenance.  There is no credit union imposed service charge for eAlerts but you are responsible for any and all charges, including, but not limited to fees associated with email messages imposed by your Internet service provider and/or mobile phone service provider.  We may introduce, remove, or replace eAlerts’ features or services at any time. We may also suspend or cancel eAlerts at any time anytime without notice to you. You have the right to cancel eAlerts at any time.  eAlerts are for your convenience and do not replace access to Cal Coast Online or your monthly account statement(s), which is the official record of your account(s).  eAlerts are not encrypted and may include personal account information and activity. You are responsible for maintaining the security of this information. We are not liable for losses or damages arising from any disclosure of account information and activity to third parties.  The credit union will do its best to provide eAlerts in a timely manner with current information but eAlerts may be delayed or undeliverable due to a variety of factors beyond our control (such as system failures or misdirected delivery). We do not guarantee the delivery or accuracy of the contents of eAlerts.  You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, costs and expenses (including reasonable attorney’s fees) arising if you provide an email address that is not your own or your violation of applicable federal, state, local law, regulation, or ordinance.  UNLESS OTHERWISE REQUIRED BY LAW, WE ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY eALERTS. NOR SHALL WE BE RESPONSIBLE FOR ANY LATE FEES, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF eALERTS. THE eALERTS SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. Online Banking Limitations You may make funds transfers between your enrolled accounts, you have with other financial institutions as often as you like. However, transfers from your savings accounts will be limited to a total of six (6) in any one month. For transfers to other member account(s), the other member must provide you with the account number. You may use this information along with the member’s name to transfer funds. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. Additional transfer limitations may apply to External Account Transfers. Please refer to the External Account Transfer Section of this document for additional information. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.

Password. The password you select is for the security of your account. We recommend that you frequently change your password. We recommend that you memorize your password and do not write it down. You are responsible for keeping your password and account information confidential. Any person who you permit to use your password will be an authorized user on your account. An authorized user may transfer funds from your savings, checking, money market and loan account(s), authorize xxxx payments and do any transactions available using your password. You authorize us to follow any instructions entered through the site using your password. If you authorized someone else to use your password, you are responsible for all transactions that that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized. If you believe your password has been lost, stolen or that someone has accessed your account without your permission, notify us immediately by calling us at (000) 000-0000. eAlerts Through this site, you may sign up to receive electronic email alerts (“eAlerts”). After you sign up, you will receive electronic email messages from us containing account information and activity. You must provide a valid email address to receive eAlerts. By signing up for eAlerts, you agree to the following terms and conditions:  • We may send eAlerts through your email service provider to deliver account information and activity to you with your email service provider acting as your agent in this capacity.  • eAlerts are available seven days a week, 24 hours a day. However, at certain times, eAlerts will not be available due to technical problems and/or routine maintenance.  • There is no credit union imposed service charge for eAlerts but you are responsible for any and all charges, including, but not limited to fees associated with email messages imposed by your Internet service provider and/or mobile phone service provider.  • We may introduce, remove, or replace eAlerts’ features or services at any time. We may also suspend or cancel eAlerts at any time anytime without notice to you. You have the right to cancel eAlerts at any time.  • eAlerts are for your convenience and do not replace access to Cal Coast Online or your monthly account statement(s), which is the official record of your account(s).  • eAlerts are not encrypted and may include personal account information and activity. You are responsible for maintaining the security of this information. We are not liable for losses or damages arising from any disclosure of account information and activity to third parties.  • The credit union will do its best to provide eAlerts in a timely manner with current information but eAlerts may be delayed or undeliverable due to a variety of factors beyond our control (such as system failures or misdirected delivery). We do not guarantee the delivery or accuracy of the contents of eAlerts.  • You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, costs and expenses (including reasonable attorney’s fees) arising if you provide an email address that is not your own or your violation of applicable federal, state, local law, regulation, or ordinance.  • UNLESS OTHERWISE REQUIRED BY LAW, WE ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY eALERTS. NOR SHALL WE BE RESPONSIBLE FOR ANY LATE FEES, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF eALERTS. THE eALERTS SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. Online Banking Limitations You may make funds transfers between your enrolled accounts, to other member accounts or to enrolled accounts you have with other financial institutions as often as you like. However, transfers from your savings accounts will be limited to a total of six (6) in any one month. For transfers to other member account(s), the other member must provide you with the account number. You may use this information along with the member’s name to transfer funds. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. Additional transfer limitations may apply to External Account Transfers. Please refer to the External Account Transfer Section of this document for additional information. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.six

Password. The password you select is for the security of your account. We recommend that you frequently change your password. We recommend that you memorize your password and do not write it down. You are responsible for keeping your password and account information confidential. Any person who you permit to use your password will be an authorized user on your account. An authorized user may transfer funds from your savings, checking, money market and loan account(s), authorize xxxx bill payments and do any transactions available using your password. You authorize us to follow any instructions entered through the site using your password. If you authorized someone else to use your password, you are responsible for all transactions that that person initiates at any time, even if the amount of the transaction or number of transactions exceeds what you authorized. If you believe your password has been lost, stolen or that someone has accessed your account without your permission, notify us immediately by calling us at (000) 000-0000. eAlerts Through this site, you may sign up to receive electronic email alerts (“eAlerts”). After you sign up, you will receive electronic email messages from us containing account information and activity. You must provide a valid email address to receive eAlerts. By signing up for eAlerts, you agree to the following terms and conditions:  • We may send eAlerts through your email service provider to deliver account information and activity to you with your email service provider acting as your agent in this capacity.  • eAlerts are available seven days a week, 24 hours a day. However, at certain times, eAlerts will not be available due to technical problems and/or routine maintenance.  • There is no credit union imposed service charge for eAlerts but you are responsible for any and all charges, including, but not limited to fees associated with email messages imposed by your Internet service provider and/or mobile phone service provider.  • We may introduce, remove, or replace eAlerts’ features or services at any time. We may also suspend or cancel eAlerts at any time without notice to you. You have the right to cancel eAlerts at any time.  • eAlerts are for your convenience and do not replace access to Cal Coast Online or your monthly account statement(s), which is the official record of your account(s).  • eAlerts are not encrypted and may include personal account information and activity. You are responsible for maintaining the security of this information. We are not liable for losses or damages arising from any disclosure of account information and activity to third parties.  • The credit union will do its best to provide eAlerts in a timely manner with current information but eAlerts may be delayed or undeliverable due to a variety of factors beyond our control (such as system failures or misdirected delivery). We do not guarantee the delivery or accuracy of the contents of eAlerts.  • You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, costs and expenses (including reasonable attorney’s fees) arising if you provide an email address that is not your own or your violation of applicable federal, state, local law, regulation, or ordinance.  • UNLESS OTHERWISE REQUIRED BY LAW, WE ARE NOT RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY eALERTS. NOR SHALL WE BE RESPONSIBLE FOR ANY LATE FEES, DIRECT, INDIRECT, OR CONSEQUENTIAL DAMAGES ARISING FROM THE USE OF eALERTS. THE eALERTS SERVICE IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE. Online Banking Limitations You may make funds transfers between your enrolled accounts, you have with other financial institutions as often as you like. However, transfers from your savings accounts will be limited to a total of six (6) in any one month. For transfers to other member account(s), the other member must provide you with the account number. You may use this information along with the member’s name to transfer funds. You may transfer or withdraw up to the available balance in your account or up to the available credit limit on a line of credit at the time of the transfer, except as limited under this Agreement or your deposit or loan agreements. Additional transfer limitations may apply to External Account Transfers. Please refer to the External Account Transfer Section of this document for additional information. The Credit Union reserves the right to refuse any transaction that would draw upon insufficient or unavailable funds, lower an account below a required balance, or otherwise require us to increase our required reserve on the account.