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. *For additional system and software requirement information applicable to E-Sign Consent, please refer to the E- Sign Consent Disclosure.

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. *For additional system and software requirement information applicable to online enrollment and E-Sign Consent, please refer to the E- Sign ESign Consent Disclosuredisclosure.