Common use of Security Credentials Clause in Contracts

Security Credentials. Your Security Credentials have the same effect as your signature. You agree not to give or make available your Security Credentials to anyone else. Nonetheless, you agree that we have authority to act on instructions that we receive from anyone using your Security Credentials. You are responsible for any activity and transactions on your Account (and for any use of your personal information and Account Information) if you: (i) give your Security Credentials to any person or entity, including any Aggregation Service; (ii) tell us to assign Security Credentials to any entity or person; or (iii) permit any other person or entity to access or use the Services. You could lose some or all of the money in your Account(s), including any amount available under any line of credit, through the loss, theft or unauthorized use of your Security Credentials. The loss, theft, or unauthorized use of your Security Credentials could also permit unauthorized persons to have access to your personal information and Account Information and to use such information for fraudulent purposes including identity theft. Under certain circumstances, you will be liable for the unauthorized use of your Security Credentials. If you believe that your Security Credentials have been lost or stolen or that someone may attempt to use them to access the Services without your consent, please call us immediately at our Contact Number. Section IV (Unauthorized Transactions) below describes your liability and how the timeliness of your notice to us impacts your liability for Unauthorized Transactions. We will ask for your Security Credentials to confirm your identity only when you log on to Digital Banking or if you call us. However, we will never ask you for your password. We will never contact you via e-mail, Secure Messaging or telephone requesting your Security Credentials. If someone contacts you asking for your Security Credentials, you should refuse and immediately contact us. You may be the target of attempted identity theft.

Security Credentials. Your Security Credentials have the same effect as your signature. You agree not We require you or any Authorized User to give or make available your use Security Credentials to anyone else. Nonethelessgain access to the Services, and you agree that we have authority will not be allowed to act on instructions that we receive from anyone using access the Services without correctly entering your Security Credentials. You are responsible We may provide you a security code for your initial use of the Services or for any activity reset of your settings and transactions on your Account (you will be required to select or create personalized Security Credentials thereafter. From time to time, we may require you to select or create different Security Credentials and may change the types of security techniques used to access for any use or all of your personal information and Account Information) if you: (i) give your Security Credentials to any person or entity, including any Aggregation Service; (ii) tell us to assign Security Credentials to any entity or person; or (iii) permit any other person or entity to access or use the Services. You could lose some or all agree and acknowledge that use of the money in your Account(s), including any amount available under any line of credit, through the loss, theft or unauthorized use of your Security Credentials. The loss, theft, or unauthorized use of your Security Credentials could also permit unauthorized persons and any other Security Procedures are used to authenticate your identity and verify the instructions you provide to us, and are not used to detect errors in the instructions, transmission or content of communications. You bear sole responsibility for detecting and preventing any such errors. You authorize us to follow any and all instructions entered and transactions initiated using applicable Security Procedures unless and until you have access notified us, according to your personal information and Account Information and to use notification procedures herein, that such information for fraudulent purposes including identity theft. Under certain circumstances, you will be liable for instruction is incorrect or that the unauthorized use of your Security Credentials. If you believe that Procedures or your Security Credentials have been lost stolen, compromised, or stolen or that someone may attempt otherwise become known to use them persons other than Authorized Users and until we have had a reasonable opportunity to access the Services without your consent, please call us immediately at our Contact Number. Section IV (Unauthorized Transactions) below describes your liability and how the timeliness of your notice to us impacts your liability for Unauthorized Transactions. We will ask for your Security Credentials to confirm your identity only when you log on to Digital Banking or if you call us. However, we will never ask you for your password. We will never contact you via e-mail, Secure Messaging or telephone requesting your Security Credentials. If someone contacts you asking for your Security Credentials, you should refuse and immediately contact usact upon such notice. You may agree that the initiation of a transaction using applicable Security Procedures constitutes sufficient authorization for us to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account, and you agree and intend that the submission of transaction orders and instructions using the Security Procedures shall be considered the target same as your written signature to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions and activity effected through the Service through the use of attempted identity theftsuch Security Procedures, whether you actually authorized the transaction or not, and by any and all transactions and activity otherwise initiated by Authorized Users, to the fullest extent allowed by law.

Security Credentials. Your Security Credentials have the same effect as your signature. You agree not We require you to give or make available your use Security Credentials to anyone else. Nonethelessgain access to the Services, and you agree that we have authority will not be allowed to act on instructions that we receive from anyone using access the Services without correctly entering your Security Credentials. You are responsible We may provide you a security code for your initial use of the Services or for any activity and transactions on your Account (and for any use reset of your personal information settings and Account Information) if you: (i) give your you will be required to select or create personalized Security Credentials thereafter. From time to any person time, we may require you to select or entity, including any Aggregation Service; (ii) tell us to assign create different Security Credentials to any entity or person; or (iii) permit any other person or entity and may change the types of security techniques used to access for all or use any of the Services. You could lose some or all agree and acknowledge that use of the money in your Account(s), including any amount available under any line of credit, through the loss, theft or unauthorized use of your Security Credentials. The loss, theft, or unauthorized use of your Security Credentials could also permit unauthorized persons and any other Security Procedures are used to authenticate your identity and verify the instructions you provide to us, and are not used to detect errors in the instructions, transmission or content of communications. You bear sole responsibility for detecting and preventing any such errors. You authorize us to follow any and all instructions entered and transactions initiated using applicable Security Procedures unless and until you have access notified us, according to your personal information and Account Information and to use notification procedures herein, that such information for fraudulent purposes including identity theft. Under certain circumstances, you will be liable for instruction is incorrect or that the unauthorized use of your Security Credentials. If you believe that Procedures or your Security Credentials have been lost stolen, compromised, or stolen or that someone may attempt otherwise become known to use them persons other than Authorized Users and until we have had a reasonable opportunity to access the Services without your consent, please call us immediately at our Contact Number. Section IV (Unauthorized Transactions) below describes your liability and how the timeliness of your notice to us impacts your liability for Unauthorized Transactions. We will ask for your Security Credentials to confirm your identity only when you log on to Digital Banking or if you call us. However, we will never ask you for your password. We will never contact you via e-mail, Secure Messaging or telephone requesting your Security Credentials. If someone contacts you asking for your Security Credentials, you should refuse and immediately contact usact upon such notice. You may agree that the initiation of a transaction using applicable Security Procedures constitutes sufficient authorization for us to execute such transaction notwithstanding any particular signature requirements identified on any signature card or other documents relating to your Account, and you agree and intend that the submission of transaction orders and instructions using the Security Procedures shall be considered the target same as your written signature to execute such transaction. You acknowledge and agree that you shall be bound by any and all transactions and activity effected through the Service through the use of attempted identity theftsuch Security Procedures, whether you actually authorized the transaction or not, and by any and all transactions and activity otherwise initiated by Authorized Users, to the fullest extent allowed by law.

Security Credentials. Your Security Credentials have the same effect as your signature. You agree not We require you or any Authorized User to give or make available your use Security Credentials to anyone else. Nonethelessgain access to the Services, and you agree that we have authority will not be allowed to act on instructions that we receive from anyone using access the Services without correctly entering your Security Credentials. You are responsible We may provide you a security code for your initial use of the Services or for any activity reset of your settings and transactions on your Account (you will be required to select or create personalized Security Credentials thereafter. From time to time, we may require you to select or create different Security Credentials and may change the types of security techniques used to access for any use or all of your personal information and Account Information) if you: (i) give your Security Credentials to any person or entity, including any Aggregation Service; (ii) tell us to assign Security Credentials to any entity or person; or (iii) permit any other person or entity to access or use the Services. You could lose some or all agree and acknowledge that use of the money in your Account(s), including any amount available under any line of credit, through the loss, theft or unauthorized use of your Security Credentials. The loss, theft, or unauthorized use of your Security Credentials could also permit unauthorized persons and any other Security Procedures are used to authenticate your identity and verify the instructions you provide to us, and are not used to detect errors in the instructions, transmission or content of communications. You bear sole responsibility for detecting and preventing any such errors. You authorize us to follow any and all instructions entered and transactions initiated using applicable Security Procedures unless and until you have access notified us, according to your personal information and Account Information and to use notification procedures herein, that such information for fraudulent purposes including identity theft. Under certain circumstances, you will be liable for instruction is incorrect or that the unauthorized use of your Security Credentials. If you believe that Procedures or your Security Credentials have been lost stolen, compromised, or stolen otherwise become known to persons other than Authorized Users and until we have had a reasonable opportunity to act upon such notice. You agree that the initiation of a transaction using applicable Security Procedures constitutes sufficient authorization for us to execute such transaction notwithstanding any particular signature requirements identified on any signature card or that someone may attempt other documents relating to use them your Account (for example, any requirement of verifying two or more signatures on any item, such as checks, will not apply to access the Services without your consent, please call us immediately at our Contact Number. Section IV (Unauthorized Transactions) below describes your liability and how the timeliness of your notice to us impacts your liability for Unauthorized Transactions. We will ask for your Security Credentials to confirm your identity only when you log on to Digital Banking or if you call us. However, we will never ask you for your password. We will never contact you via e-mail, Secure Messaging electronic or telephone requesting transfers), and you agree and intend that the submission of transaction orders and instructions using the Security Procedures shall be considered the same as your Security Credentialswritten signature to execute such transaction. If someone contacts This means that any person who is an authorized signer on your Account is authorized by you asking for to individually make electronic or telephone transfers, even though that person’s authority to transfer or withdraw funds from your Security CredentialsAccount by some other means (e.g., by check) must be exercised jointly with one or more other persons. This provision controls and takes precedence over any conflicting provision in any other agreements you should refuse and immediately contact have with us. You may acknowledge and agree that you shall be bound by any and all transactions and activity effected through the target Service through the use of attempted identity theftsuch Security Procedures, whether you actually authorized the transaction or not, and by any and all transactions and activity otherwise initiated by Authorized Users, to the fullest extent allowed by law.

Security Credentials. Your We require you or any Authorized User to use Security Credentials to gain access to the Services, and you will not be allowed to access the Services without correctly entering your Security Credentials. We may provide you a security code for your initial use of the Services or for any reset of your settings and you will be required to select or create personalized Security Credentials thereafter. From time to time, we may require you to select or create different Security Credentials and may change the types of security techniques used to access for all or any of the Services. You agree and acknowledge that use of the Security Credentials and any other Security Procedures are used to authenticate your identity and verify the instructions you provide to us and are not used to detect errors in the instructions, transmission or content of communications. You bear sole responsibility for detecting and preventing any such errors. You authorize us to follow any and all instructions entered and transactions initiated using applicable Security Procedures unless and until you have notified us, according to notification procedures herein, that such instruction is incorrect or that the Security Procedures or your Security Credentials have the same effect as your signaturebeen stolen, compromised, or otherwise become known to persons other than Authorized Users and until we have had a reasonable opportunity to act upon such notice. You agree not that the initiation of a transaction using applicable Security Procedures constitutes sufficient authorization for us to give execute such transaction notwithstanding any particular signature requirements identified on any signature card or make available other documents relating to your Security Credentials to anyone else. NonethelessAccount, and you agree and intend that we have authority the submission of transaction orders and instructions using the Security Procedures shall be considered the same as your written signature to act on instructions execute such transaction. You acknowledge and agree that we receive from anyone you shall be bound by any and all transactions and activity effected through the Service using your such Security Procedures, whether you actually authorized the transaction or not, and by any and all transactions and activity otherwise initiated by Authorized Users, to the fullest extent allowed by law. Protecting Your Security Credentials. You are responsible for any activity maintaining the security of your computer and transactions on Mobile Device and the confidentiality of your Account (information and for any Security Credentials, and you agree to prevent unauthorized use of your personal information and Account Information) if you: (i) the Services. You agree not to give your Security Credentials or make it available to another person who is not authorized to access your Account. If you allow any person or entity, including any Aggregation Service; (ii) tell us access to assign your Security Credentials or to any entity or person; or (iii) permit any other person or entity to access or use the Services, you will have authorized that person to use the Service and you agree that you will be bound by any transactions or acts initiated under the Service. You could lose some or all of the money in your Account(s), including any amount available under any line of credit, through the loss, theft or unauthorized use of your Security Credentials. The loss, theft, or unauthorized use of should change your Security Credentials could also permit unauthorized persons to have access to your personal information password frequently and Account Information and to use such information avoid using the same password for fraudulent purposes including identity theft. Under certain circumstances, you will be liable this Service as for the unauthorized use of your Security Credentialsother online services. If you believe that any of your Security Credentials have been lost or stolen or compromised or that someone any transaction involving any of your Accounts may attempt to use them to access the Services have been made without your consentauthorization, please call you should contact us immediately at our Contact Numberimmediately. Section IV (Unauthorized Transactions) below describes your liability and how the timeliness of your notice to As a reminder, no one representing us impacts your liability for Unauthorized Transactions. We will ask for your Password. You should never give your Password to anyone who asks for it in an email or by phone or anyone else who you do not want to have access to your Account. Commercially Reasonable Procedures. You further represent that you have carefully considered the circumstances of your use of the Services and the transactions that you will effect through the Services, and you acknowledge and agree that the Security Procedures, including without limitation any Security Credentials used in connection therewith, constitute commercially reasonable security procedures under applicable law for such transactions. We reserve the right to confirm modify, amend, supplement, or cancel any Security Procedures, at any time and from time to time in our discretion. We will try to give you reasonable notice of any change in Security Procedures, but we may make any change in Security Procedures without advance notice to you if we, in our judgment and discretion, believe such change to be necessary or desirable to protect the security of our systems and assets. Your use of any changed Security Procedures shall constitute your identity only when agreement to the change and your agreement that the Security Procedures, as changed, are commercially reasonable and adequate for the purposes intended. Breach of Security Process. In the event of the breach of any applicable Security Procedures, you log agree to assist us in determining the manner and source of the breach. Such assistance shall include, but shall not be limited to, providing us or our agent access to your systems, computer hardware and software, storage media and devices, and any other equipment or device that was used or may have been used. You further agree to provide to us with any analysis of such systems, computer hardware and software, storage media and devices, and other equipment or devices, or any report of such analysis, performed by you, your agents, law enforcement agencies, or any other third party. Any failure on your part to Digital Banking assist us shall be deemed an admission by you that the breach of the Security Procedures was caused by a person who obtained access to your transmitting facilities or who obtained information facilitating the breach of the Security Procedures from you and not from a source controlled by us. General Agreement and Use of the Services. This Agreement is effective between you (including any other Authorized User(s)) and us. You are liable for all transactions initiated through the Services using your Security Credentials and Security Procedures, even if you call usdid not participate in the transaction. HoweverNotwithstanding any contrary provisions in your Account Agreement, if you use the Services to access a joint Account that requires more than one signature to authorize a check or complete another transaction, or your Account is subject to any additional restriction, we will never ask you not monitor or restrict the aspects of those Accounts in relation to your use of the Services. When such a joint or restricted Account is accessed through the Services, all authorized signers are jointly responsible for all transactions that occur in the Account, whether performed by a single Authorized User, and whether the restrictions are violated or not. This provision shall supersede any contrary or conflicting provisions in your passwordAccount Agreement. Eligibility for Services; Refusal of Services; and Prohibitions. We will never contact you via e-mailreserve the right to determine, Secure Messaging from time to time, your eligibility for any: (i) Service, (ii) Account, or telephone requesting your Security Credentials. If someone contacts you asking (iii) eligibility of any Account for your Security Credentialsuse with a Service, you should refuse all in our sole and immediately contact usabsolute discretion. You acknowledge and agree that upon any determination of ineligibility, we may be discontinue your access to any Service and or close any Account without further notice to you. We further reserve the target right, in our sole and absolute discretion, to delay and/or refuse to process any item, transaction or instruction with respect to any Service that: (i) does not comply with the terms of attempted identity theft.and conditions of this Agreement or any other agreement with us; (ii) is not complete, correct and current; (iii) is greater in frequency, amount or number than is permitted for the relevant Account or Service,