Common use of User Security Clause in Contracts

User Security. You agree to take every precaution to ensure the safety, security and integrity of your identity, your Account and your Account information when using Mobile Banking. You agree not to leave your Device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, security code, or other access information, or personal information to any unauthorized or unknown person. If you give your personal information to someone and that person uses your information to access your Account, you agree that such use will be deemed as authorized use for which you will be responsible. If you permit other persons to use your device, login information, or other means to access Mobile Banking, you are responsible for any transactions they authorize and we 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 understand that any person having access to your device or your security code when logged into the Service will be able to access the Service and perform all transactions, including reviewing all available Account information and making transfers to other Accounts and persons. You are responsible for reporting the loss, theft or compromise of your security code to us as soon as possible after you learn of it or suspect that unauthorized use has or may occur. For your security, we may restrict access to the Service without notice if we suspect fraudulent activity. We will never contact you and ask you to give us your Account information, including your user name, security code and Account number over the telephone, by email or by text messaging. You agree to remain vigilant for phishing and other fraudulent scams and notify us promptly if you become aware of or suspect fraudulent activity involving your identity, your accounts, or the Credit Union. If you fail to exercise reasonable care to protect your identity and safeguard your Accounts, we will not be liable unless required by law. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside the United States is at your own risk.

User Security. You agree to take every precaution to ensure the safety, security and integrity of your identity, your Account account and your Account information transactions when using Mobile Banking. You agree not to leave your Device device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, security code, password or other access information, or personal information to any unauthorized or unknown person. If you give You agree not to store your personal information to someone and that person uses password in your information to access your Account, you agree that such use will be deemed as authorized use for which you will be responsibledevice. If you permit other persons to use your device, device with your login information, or by other means (i.e., “Touch ID”) enable their access to access Mobile BankingBanking through your device, you are responsible for any transactions they authorize and we 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 understand that any person having access to your device or your security code when logged into the Service will be able to access the Service and perform all transactions, including reviewing all available Account information and making transfers to other Accounts and persons. You are responsible for reporting the loss, theft or compromise of your security code to us as soon as possible after you learn of it or suspect that unauthorized use has or may occur. For your security, we may restrict access to the Service without notice if we suspect fraudulent activity. We will never contact you and ask you to give us your Account information, including your user name, security code and Account number over the telephone, by email or by text messaging. You agree to remain vigilant for phishing and other fraudulent scams and notify us promptly if you become aware of or suspect fraudulent activity involving your identity, your accounts, or the Credit Union. If you fail to exercise reasonable care to protect your identity and safeguard your Accounts, we will not be liable unless required by law. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. TEXT (SMS) MESSAGE BANKING Text (SMS) Message Banking requires an initial registration process within Online Banking. Your use of the Text (SMS) Message Banking constitutes your agreement with the terms and conditions within this Agreement. You agree that your usage of our Text (SMS) Message Banking is conditioned on your providing us with a valid mobile phone number and indicates your agreement to our sending you text messages through your wireless provider. • We may send any IU Credit Union Text (SMS) Message through your communication service provider in order to deliver it to you. You agree that your communication services provider is acting as your agent in this capacity. • You agree to provide a valid phone number for this service so that we may send you certain information about your applicable account. We will determine in our sole discretion what information we make available through this service. • You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. From time to time, we may amend these terms and modify or cancel the Text (SMS) Message Banking services we offer without notice, except as may be required by law. • IU Credit Union Text (SMS) Message Banking is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your accounts. This service may not be encrypted and at some point, may include personal or confidential information about you, such as your account activity or status. You agree to protect your communications device that receives information through this service and not to let any unauthorized person have access to the information we provide to you through this service. • We will not send you marketing messages through the IU Credit Union’s Text (SMS) Message Banking service. • Receipt of account information through IU Credit Union’s Text (SMS) Message Banking may be delayed or impacted by factor(s) pertaining to your phone carrier or other parties. We will not be liable for losses or damages caused in whole or in part by your actions or omissions that result in any disclosure of account information to third parties. Also, nothing about IU Credit Union’s Text (SMS) Message Banking creates any new or different liability for us beyond what is already applicable under your existing account agreements. • There is no separate service fee for this service; however, you are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Standard message charges may apply. Such charges may include those from your communications service provider. Message frequency depends on user preferences.

User Security. You agree to take every precaution to ensure the safety, security and integrity of your identity, your Account account and your Account information transactions when using Mobile Banking. You agree not to leave your Device device unattended while logged into Mobile Banking and to log off immediately at the completion of each access by you. You agree not to provide your username, security code, password or other access information, or personal information to any unauthorized or unknown person. If you give You agree not to store your personal information to someone and that person uses password in your information to access your Account, you agree that such use will be deemed as authorized use for which you will be responsibledevice. If you permit other persons to use your device, device with your login information, or by other means (i.e., “Touch ID”) enable their access to access Mobile BankingBanking through your device, you are responsible for any transactions they authorize and we 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 understand that any person having access to your device or your security code when logged into the Service will be able to access the Service and perform all transactions, including reviewing all available Account information and making transfers to other Accounts and persons. You are responsible for reporting the loss, theft or compromise of your security code to us as soon as possible after you learn of it or suspect that unauthorized use has or may occur. For your security, we may restrict access to the Service without notice if we suspect fraudulent activity. We will never contact you and ask you to give us your Account information, including your user name, security code and Account number over the telephone, by email or by text messaging. You agree to remain vigilant for phishing and other fraudulent scams and notify us promptly if you become aware of or suspect fraudulent activity involving your identity, your accounts, or the Credit Union. If you fail to exercise reasonable care to protect your identity and safeguard your Accounts, we will not be liable unless required by law. We make no representation that any content or use of Mobile Banking is available for use in locations outside of the United States. Accessing Mobile Banking from locations outside of the United States is at your own risk. TEXT (SMS) MESSAGE BANKING Text (SMS) Message Banking requires an initial registration process within Online Banking. Your use of the Text (SMS) Message Banking constitutes your agreement with the terms and conditions within this Agreement. You agree that your usage of our Text (SMS) Message Banking is conditioned on your providing us with a valid mobile phone number and indicates your agreement to our sending you text messages through your wireless provider.  We may send any IU Credit Union Text (SMS) Message through your communication service provider in order to deliver it to you. You agree that your communication services provider is acting as your agent in this capacity.  You agree to provide a valid phone number for this service so that we may send you certain information about your applicable account. We will determine in our sole discretion what information we make available through this service.  You agree to indemnify, defend and hold us harmless from and against any and all claims, losses, liability, cost and expenses (including reasonable attorneys' fees) arising from your provision of a phone number that is not your own or your violation of applicable federal, state or local law, regulation or ordinance. Your obligation under this paragraph shall survive termination of the Agreement. From time to time, we may amend these terms and modify or cancel the Text (SMS) Message Banking services we offer without notice, except as may be required by law.  IU Credit Union Text (SMS) Message Banking is provided for your convenience and does not replace your monthly account statement(s), which are the official record of your accounts. This service may not be encrypted and at some point, may include personal or confidential information about you, such as your account activity or status. You agree to protect your communications device that receives information through this service and not to let any unauthorized person have access to the information we provide to you through this service.  We will not send you marketing messages through the IU Credit Union’s Text (SMS) Message Banking service.  Receipt of account information through IU Credit Union’s Text (SMS) Message Banking may be delayed or impacted by factor(s) pertaining to your phone carrier or other parties. We will not be liable for losses or damages caused in whole or in part by your actions or omissions that result in any disclosure of account information to third parties. Also, nothing about IU Credit Union’s Text (SMS) Message Banking creates any new or different liability for us beyond what is already applicable under your existing account agreements.  There is no separate service fee for this service; however, you are responsible for any and all charges, including, but not limited to, fees otherwise applicable to your account(s) and fees associated with text messaging imposed by your communications service provider. Standard message charges may apply. Such charges may include those from your communications service provider. Message frequency depends on user preferences.