Common use of User Security Clause in Contracts

User Security. We are entitled to act on transaction instructions received using your Login Credentials and other uniquely identifying access information (such as your mobile device identifiers) (collectively, the “Mobile Security Procedures”), and you agree that the use of the Mobile Security Procedures will have the same effect as your signature authorizing the transaction. You agree that these Mobile Security Procedures and the Security Procedures associated with the Master Agreement, constitute commercially reasonable Mobile Security Procedures under applicable law for the initiate of the services you utilize via the Mobile App, including without limitation, transfers and access to confidential information. In reaching this conclusion, you have considered the size, type, and frequency of transfers or other communications that you anticipate issuing through the Mobile App. If in your judgment these Mobile Security Procedures are not commercially reasonable or circumstances change so that you believe the Mobile Security Procedures are no longer commercially reasonable, you must notify us within fifteen (15) calendar days or the date you sign and accept this Agreement. You agree to take every precaution to ensure the safety, security, and integrity of your account and transactions using the Mobile App. You agree not to leave your mobile device unattended while logged into the Mobile App. You agree to log off immediately at the completion of each access of the Mobile App. You agree not to provide your user ID or other access information to any unauthorized person. If you permit other persons to use your mobile device, login information, or other means to access the Mobile App, you are responsible for transactions they authorize and will not be liable for any damages resulting to you. You agree not to use any personally identifiable information when creating shortcuts to your account. You agree that your access to the Mobile App is similar to accessing your account(s) via the internet. As such, you should be cautious in the use of the system. You agree to treat all access codes the same way you treat your personal identification numbers (PIN) of a debit card. Do not write the numbers down. If Bank receives any instructions via the Mobile App after you have placed proper authentication information through the system using the Mobile Security Procedures, the Bank will treat those transactions as your authorized transactions. You are responsible for the accuracy of your instructions. You should not provide any Mobile App access information, including the Mobile Security Procedures, to anyone. You are responsible for keeping your access information confidential. If you permit other persons to use your mobile device and/or other means to access the Mobile App, you are responsible for any transactions he/she authorizes. You understand the importance of your role in preventing misuse of your account(s) through the Mobile App and you agree to promptly review your statements for each of your account(s) as soon as you receive it. You should immediately report any abnormalities or fraud in your account(s). You should safeguard your mobile device and codes used to access your account(s). You agree not to leave your mobile device unattended while logged into the Mobile App and to log off immediately upon completion of such access. If you believe your mobile device, user ID, password, or other approved access information has been lost or stolen, or that someone has transferred or may transfer funds from your account(s), without your authorization, CONTACT US AT ONCE AT 000-000-0000. Bank will not be responsible for any delay, failure in performance or interruption of service, resulting directly or indirectly from acts of God, acts of civil or military authorities, civil disturbances, terrorism, wars, strikes or other labor disputes, fires, transportation contingencies, interruptions in telecommunications or Internet services or network provider services, failure of equipment and/or software, other catastrophes or any other occurrences which are beyond the Bank’s reasonable control. You are responsible for taking and maintaining security precautions to protect your mobile device and its data. You agree that Bank is not responsible for any electronic virus, spyware, or malware that you may encounter using the Mobile App. Bank encourages you to routinely scan your mobile device using any up-to- date, reliable virus, spyware, and malware protection product to detect and remove any virus, spyware, and malware found. Undetected or unrepaired, a virus, spyware, or malware may corrupt and destroy your programs, files and even your hardware. You are responsible for maintaining and applying anti-virus software, security patches, firewalls, and other security measures with respect to your operating systems and mobile device, and for protecting, securing and backing up any data and information stored in or on your operating systems. Bank is not responsible for any errors or failures resulting from defects in or malfunctions of any software installed on your operating systems or accessed through and data connection. There are no fees for accessing information about your accounts or paying bills through the Service. We are not responsible for any fees that may be billed to you by your internet service provider. All fees associated with your account are set forth in the Fee Schedule.