Common use of Transaction Authorization; Protecting Your Password Clause in Contracts

Transaction Authorization; Protecting Your Password. Pursuant to the deposit account agreement(s) you have with us, each depositor on a multi‐party account is the attorney‐in‐fact for all other depositors on the account for all business conducted with respect to the account. You confirm the attorney‐in‐fact status of your co‐depositors, and you acknowledge and agree that you or any of your co‐depositors may enroll your accounts in and activate any of the Services, consent and agree to the terms and conditions for any of the Services (including, without limitation, the E‐Sign Consent), and/or terminate any of the Services on behalf of all depositors on the accounts, in accordance with the terms of this Agreement. You authorize us to follow any instructions entered through the Services using your Password notwithstanding any dual or multiple signature requirement identified on the signature card or other documents relating to your Service Accounts. You agree and intend that the authorization of transactions through the Services shall be considered the same as your written signature in authorizing us to perform any action relating to the transactions requested. You also agree that use of your Password is the agreed security procedure to access the Services and that such security procedure is commercially reasonable. You agree to keep your Password confidential, to prevent unauthorized access to your Service Accounts, and to prevent unauthorized use of the Services. You agree not to give your Password or make it available to any person or entity who is not authorized to access your Service Accounts for the purpose of performing the transactions contemplated by the Services or who intends or may use the Services for the purpose of accessing and compiling account data for such person's or entity's own commercial gain. You should change your Password frequently. You should avoid using your ATM, debit card, or GPR Card personal identification number (PIN) as your permanent Password. If your access to the Services is blocked or if you forget your Password, you may contact us at the number provided in the "Errors or Questions" section of this Agreement or you may also reset your password in the designated section on our website. We may issue you a new Password, although it may not be available for use of the Services for several days.

Transaction Authorization; Protecting Your Password. Pursuant to the deposit account agreement(s) you have with us, each depositor on a multi‐party multi-party account is the attorney‐in‐fact attorney-in- fact for all other depositors on the account for all business conducted with respect to the account. You confirm the attorney‐in‐fact attorney-in-fact status of your co‐depositorsco-depositors, and you acknowledge and agree that you or any of your co‐depositors co-depositors may enroll your accounts in and activate any of the Services, consent and agree to the terms and conditions for any of the Services (including, without limitation, the E‐Sign E-Sign Consent), and/or terminate any of the Services on behalf of all depositors on the accounts, in accordance with the terms of this Agreement. You authorize us to follow any instructions entered through the Services using your Password notwithstanding any dual or multiple signature requirement identified on the signature card or other documents relating to your Service Accounts. You agree and intend that the authorization of transactions through the Services shall be considered the same as your written signature in authorizing us to perform any action relating to the transactions requested. You also agree that use of your Password is the agreed security procedure to access the Services and that such security procedure is commercially reasonable. You agree to keep your Password confidential, to prevent unauthorized access to your Service Accounts, and to prevent unauthorized use of the Services. You agree not to give your Password or make it available to any person or entity who is not authorized to access your Service Accounts for the purpose of performing the transactions contemplated by the Services or who intends or may use the Services for the purpose of accessing and compiling account data for such person's or entity's own commercial gain. You should change your Password frequently. You should avoid using your ATM, debit card, or GPR Card personal identification number (PIN) as your permanent Password. If your access to the Services is blocked or if you forget your Password, you may contact us at the number provided in the "Errors or Questions" section of this Agreement or you may also reset your password in the designated section on our website. We may issue you a new Password, although it may not be available for use of the Services for several days.

Transaction Authorization; Protecting Your Password. Pursuant to the deposit account agreement(s) you have with us, each depositor on a multi‐party multi-party account is the attorney‐in‐fact attorney-in-fact for all other depositors on the account for all business conducted with respect to the account. You confirm the attorney‐in‐fact attorney-in-fact status of your co‐depositorsco-depositors, and you acknowledge and agree that you or any of your co‐depositors co-depositors may enroll your accounts in and activate any of the Services, consent and agree to the terms and conditions for any of the Services (including, without limitation, the E‐Sign E-Sign Consent), and/or terminate any of the Services on behalf of all depositors on the accounts, in accordance with the terms of this Agreement. By providing information necessary to execute transactions through the Service and otherwise following our procedures for the execution of transactions, you authorize us to perform those transactions. You further authorize us to follow any instructions and to execute any transactions entered through the Services Service using your Password notwithstanding any dual or multiple signature requirement identified on the signature card or other documents relating to your Service Accounts. You further authorize us to make adjustments to your Service Account(s), by debits or credits, as necessary to correct errors in Service transactions. You agree and intend that the authorization of transactions through the Services shall be considered the same as your written signature in authorizing us to perform any action relating to the transactions requested. You also agree that use of your Password is the agreed security procedure to access the Services and that such security procedure is commercially reasonable. You agree to keep your Password confidential, to prevent unauthorized access to your Service Accounts, and to prevent unauthorized use of the Services. You agree not to give your Password or make it available to any person or entity who is not authorized to access your Service Accounts for the purpose of performing the transactions contemplated by the Services or who intends or may use the Services for the purpose of accessing and compiling account data for such person's or entity's own commercial gain. You should change your Password frequently. You should avoid using your ATM, debit card, or GPR Card personal identification number (PIN) as your permanent Password. If your access to the Services is blocked or if you forget your Password, you may contact us at the number provided in the "Errors or Questions" section of this Agreement or you may also reset your password in the designated section on our website. We may issue you a new Password, although it may not be available for use of the Services for several days.

Transaction Authorization; Protecting Your Password. Pursuant to the deposit account agreement(s) you have with us, each depositor on a multi‐party multi-party account is the attorney‐in‐fact attorney-in-fact for all other depositors on the account for all business conducted with respect to the account. You confirm the attorney‐in‐fact attorney-in-fact status of your co‐depositorsco-depositors, and you acknowledge and agree that you or any of your co‐depositors co-depositors may enroll your accounts in and activate any of the Services, consent and agree to the terms and conditions for any of the Services (including, without limitation, the E‐Sign E- Sign Consent), and/or terminate any of the Services on behalf of all depositors on the accounts, in accordance with the terms of this Agreement. You authorize us to follow any instructions entered through the Services using your Password notwithstanding any dual or multiple signature requirement identified on the signature card or other documents relating to your Service Accounts. You agree and intend that the authorization of transactions through the Services shall be considered the same as your written signature in authorizing us to perform any action relating to the transactions requested. You also agree that use of your Password is the agreed security procedure to access the Services and that such security procedure is commercially reasonable. You agree to keep your Password confidential, to prevent unauthorized access to your Service Accounts, and to prevent unauthorized use of the Services. You agree not to give your Password or make it available to any person or entity who is not authorized to access your Service Accounts for the purpose of performing the transactions contemplated by the Services or who intends or may use the Services for the purpose of accessing and compiling account data for such person's ’s or entity's ’s own commercial gain. You should change your Password frequently. You should avoid using your ATM, ATM or debit card, or GPR Card card personal identification number (PIN) as your permanent Password. If your access to the Services is blocked or if you forget your Password, you may contact us at the number provided in the "Errors or Questions" section of this Agreement or you may also reset your password in the designated section on our website. We may issue you a new Password, although it may not be available for use of the Services for several days.