Common use of SYSTEM AND SOFTWARE REQUIREMENTS Clause in Contracts

SYSTEM AND SOFTWARE REQUIREMENTS. You are responsible for the purchase, installation, maintenance, operation, upgrades, security of the software, hardware and equipment required to access and use Online Banking, including, but not limited to, your computer, web browser software, anti-virus and anti-spyware software and personal computer firewall. Bank is not responsible for and has no liability to you for: (a) any errors or issues that arise from the malfunction or failure of the software, hardware or equipment that you use in connection with Online Banking; or (b) error, failure or nonperformance of Online Banking, including the risk that you do not operate the computer software properly. You agree to use a reputable anti-virus and anti-spyware software program on your computer and to update such anti- virus and anti-spyware software on a regular basis. Bank encourages you to routinely scan your computer, and any removable drives and diskettes, using a reliable anti-virus product to detect or remove any viruses. Undetected or un- repaired viruses may destroy your programs, files and even your hardware. Bank also encourages you to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the Internet. You are solely responsible for the proper installation, configuration, and maintenance of any intrusion detection system you may employ. Bank is not responsible for and has no liability to you for any: (a) electronic virus or viruses that you may encounter; (b) computer virus or related problems that may be associated with the use of Online Banking or the Services; or (c) damage or any other loss directly or consequentially, which you may suffer or incur by reason of your use or a third party’s use of the computer or software. You acknowledge that changes in technology, software, Bank policies and procedures, or other developments may require modifications of (or new or additional) software, hardware and equipment which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of Online Banking.

SYSTEM AND SOFTWARE REQUIREMENTS. You are responsible for the purchase, installation, maintenance, operation, upgrades, security of the software, hardware and equipment required to access and use Online Banking, including, but not limited to, your computer, web browser software, anti-virus and anti-spyware software and personal computer firewall. Bank is not responsible for and has no liability to you for: (a) any errors or issues that arise from the malfunction or failure of the software, hardware or equipment that you use in connection with Online Banking; or (b) error, failure or nonperformance of Online Banking, including the risk that you do not operate the computer software properly. You agree to use a reputable anti-virus and anti-spyware software program on your computer and to update such anti- anti-virus and anti-spyware antispyware software on a regular basis. Bank encourages you to routinely scan your computer, and any removable drives and diskettes, using a reliable anti-virus product to detect or remove any viruses. Undetected or un- un-repaired viruses may destroy your programs, files and even your hardware. Additionally you may unintentionally transmit the virus to other computers. Bank also encourages you to purchase and employ a reliable firewall on your computer that will protect your computer from intrusion while you are connected to the Internet. You are solely responsible for the proper installation, configuration, and maintenance of any intrusion detection system you may employ. Bank is not responsible for and has no liability to you for any: (a) electronic virus or viruses that you may encounter; (b) computer virus or related problems that may be associated with the use of Online Banking or the Services; or (c) damage or any other loss directly or consequentially, which you may suffer or incur by reason of your use or a third party’s use of the computer or software. You acknowledge that changes in technology, software, Bank policies and procedures, or other developments may require modifications of (or new or additional) software, hardware and equipment which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of Online Banking.

SYSTEM AND SOFTWARE REQUIREMENTS. (a) You are responsible for the purchase, installation, maintenance, operation, upgrades, security of the software, hardware and equipment required to access and use Online Banking, including, but not limited to, your a computer, web browser software, anti-virus and anti-spyware software and personal computer firewall. Bank is not responsible for and has no liability to you for: (ai) any errors or issues that arise from the malfunction or failure of the software, hardware or equipment that you use used in connection with Online Banking; or (bii) error, failure failure, or nonperformance of Online Banking, including the risk that you or a User do not operate the computer software properly. . (b) You agree to use a reputable anti-virus and anti-spyware software program on your computer and to update such anti- anti-virus and anti-spyware software on a regular basis. Bank encourages you and any Users to routinely scan your computer, any other computer used to access Online Banking, and any removable drives and diskettes, using a reliable anti-virus product to detect or remove any viruses. Undetected or un- un-repaired viruses may destroy your programs, files and even your hardware. Additionally, you or a User may unintentionally transmit the virus to other computers. Bank also encourages you to purchase and employ a reliable firewall on your any computer that will used to access Online Banking to protect your computer from intrusion while you are connected to the Internet. You are solely responsible for the proper installation, configuration, and maintenance of any intrusion detection system you or a User may employ. Bank is not responsible for and has no liability to you for any: (ai) electronic virus or viruses that you may encounterviruses; (bii) computer virus or related problems that may be associated with the use of Online Banking or the Services; or (ciii) damage or any other loss directly or consequentially, which you or a User may suffer or incur by reason of your use use, a User’s use, or a third party’s use of the computer or software. . (c) You acknowledge that changes in technology, software, Bank policies and procedures, or other developments may require modifications of (or new or additional) software, hardware and equipment which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of Online Banking.

SYSTEM AND SOFTWARE REQUIREMENTS. (a) You are responsible for the purchase, installation, maintenance, operation, upgrades, security of the software, hardware and equipment required to access and use Online Banking, including, but not limited to, your a computer, web browser software, anti-virus and anti-spyware software and personal computer firewall. Bank is not responsible for and has no liability to you for: (ai) any errors or issues that arise from the malfunction or failure of the software, hardware or equipment that you use used in connection with Online Banking; or (bii) error, failure or nonperformance of Online Banking, including the risk that you or a User do not operate the computer software properly. . (b) You agree to use a reputable anti-virus and anti-spyware software program on your computer and to update such anti- anti-virus and anti-spyware software on a regular basis. Bank encourages you and any Users to routinely scan your computer, any other computer used to access Online Banking, and any removable drives and diskettes, using a reliable anti-virus product to detect or remove any viruses. Undetected or un- un-repaired viruses may destroy your programs, files and even your hardware. Additionally you or a User may unintentionally transmit the virus to other computers. Bank also encourages you to purchase and employ a reliable firewall on your any computer that will used to access Online Banking to protect your computer from intrusion while you are connected to the Internet. You are solely responsible for the proper installation, configuration, and maintenance of any intrusion detection system you or a User may employ. Bank is not responsible for and has no liability to you for any: (ai) electronic virus or viruses that you may encounterviruses; (bii) computer virus or related problems that may be associated with the use of Online Banking or the Services; or (ciii) damage or any other loss directly or consequentially, which you or a User may suffer or incur by reason of your use use, a User’s use, or a third party’s use of the computer or software. (c) Access to Mobile Banking requires a Mobile Device with Internet access. In order to use Mobile Banking through the Mobile Banking Application, the Mobile Banking Application must be downloaded and installed on a Mobile Device. Bank’s provider and licensor may require agreement to additional terms and conditions in order to download the Mobile Banking Application and to use Mobile Banking. Bank is not responsible for any damage to a Mobile Device resulting from downloading, installing or using the Mobile Banking Application. If you no longer want Mobile Banking to be accessed through the Mobile Banking Application on a particular Mobile Device, the Mobile Banking Application must be deleted from that Mobile Device. The terms of this Agreement which address Mobile Banking only apply to the extent that you have downloaded and installed the Mobile Banking Application on a Mobile Device. (d) If you or a User obtain a different Mobile Device, the Mobile Banking Application must be downloaded and installed on that different Mobile Device under the same terms set forth in this Mobile Banking Access Agreement. You agree that Mobile Banking Application will be promptly deleted from all Mobile Devices on which it was installed if this Mobile Banking Access Agreement or any license granted under it or another agreement terminates for any reason. Bank reserves the right to change, add to, or terminate services with third-party Mobile Banking Application providers and licensors, to substitute different Mobile Banking Application providers, and to enter into or arrange for the provision Mobile Banking Application by other licensors and third-parties. (e) You are responsible for the purchase, maintenance, operation, upgrades, and security of Mobile Devices. Bank is not responsible for and has no liability for any errors or issues that arise from the malfunction or failure of a Mobile Device or any error, failure or nonperformance of Mobile Banking on a Mobile Device. (f) You acknowledge that changes in technology, software, Bank policies and procedures, or other developments may require modifications of (or new or additional) software, hardware and equipment which you will be solely responsible for upgrading, at your sole cost and expense, if you desire to make continued use of Online Bankingthe Services.