Common use of Virus Protection, Firewalls and Malicious Software Clause in Contracts

Virus Protection, Firewalls and Malicious Software. You are obligated to take security precautions to protect your computer and Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer/Mobile Device or deceive you or other Users in order to gain control of any computer/Mobile Device used to access your Accounts through Digital Banking. These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on removable or network storage, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches. Specifically, you may be unwittingly induced to install on your computer or Mobile Device malicious software ("Malware"), commonly referred to, among other names, as computer viruses, worms, Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain Malware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once Malware is installed on your computer or Mobile Device, it is very difficult to detect using traditional antivirus software products running on the infected computer/Mobile Device. Financial Malware, in particular, is generally undetectable by all but a few antivirus products and often goes unnoticed until after unauthorized transactions have occurred. We protect our own network and systems with various security protocols but are under no obligation to determine if any or all of the computers or Mobile Devices you use are secure or if they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and Malware protection products of your choice to protect from, detect and remove any viruses and Malware found. We further encourage you to exercise caution when using your computers or Mobile Devices for activities unrelated to accessing Digital Banking. A virus on your computer or Mobile Device that goes undetected or unrepaired may corrupt and destroy your programs, files and even your hardware and may result in unauthorized transactions from your Accounts. If we learn, or have reason to believe, any computer or Mobile Device you use to access Digital Banking is compromised and not secure, whether such potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to Digital Banking without prior notice to you. If, after suspending, canceling, or limiting your access to Digital Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, payment models and previously scheduled transactions. You agree that we are not responsible for any viruses, firewalls, Malware, or similar devices or programs that you may encounter when using Digital Banking, or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. You are obligated to take security precautions to protect your computer and Mobile Devicecomputer. There are a number of means and mechanisms by which other persons may obtain information from your computer/Mobile Device computer or deceive trick you or other ACH Users in order to gain control of your computer (or any computer/Mobile Device computer used to access your Accounts through Digital Bankingaccounts). These Such unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on removable or network storage, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searchessearches – all things you are likely to do on your computer on a regular basis. Specifically, you may be unwittingly induced to install on your computer or Mobile Device malicious software ("Malware"“malware”), commonly referred to, among other names, as computer viruses, worms, Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain Malwaremalware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once Malware malware is installed on your computer or Mobile Devicecomputer, it is very difficult to detect using traditional antivirus software products running on the infected computer/Mobile Device. Financial Malware, and financial malware in particular, particular is generally undetectable by all but a few antivirus products and often goes unnoticed until after unauthorized transactions have occurred. We protect our own network and systems with various security protocols protocols, but are under no obligation to determine if your computer (or any or all of the computers or Mobile Devices computer by which you use are access your accounts) is secure or if they it is or may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and Malware malware protection products of your choice to protect from, detect and remove any viruses and Malware malware found. We further encourage you to exercise caution when using your computers or Mobile Devices for activities unrelated to accessing Digital Banking. A virus on your computer or Mobile Device that goes undetected or unrepaired may corrupt and destroy your programs, files and even your hardware and may result in unauthorized transactions from your Accountsaccounts. We recommend, in summary, that you do the following when using your computer to originate ACH transactions and conduct other financial transactions: • Access your accounts on one or more computers dedicated exclusively to performing financial work on which only essential security and financial software is installed. If you chose not to dedicate one or more of your computers exclusively to performing financial work, we learnespecially encourage you to exercise caution when using your computer for activities unrelated to performing financial work. • Do not access your accounts at Internet cafes and public WI-FI hotspots. • Secure the computer(s) used to originate ACH transactions in a restricted area, and limit access to these computer(s). • Monitor and reconcile your accounts regularly. • Use the Internet cautiously. • Notify us if you receive an online request to provide confidential information or have reason to believedata. • Take note of any strange or unusual messages or activity on your computer. • Use current virus, any computer or Mobile Device firewall and malware protection products on the computer(s) you use to access Digital Banking is compromised and not secure, whether such potential or actual compromise is detected by you or by us through perform financial work. • Rebuild your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to Digital Banking without prior notice to you. If, after suspending, canceling, or limiting your access to Digital Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, payment models and previously scheduled transactionscomputer if it becomes infected. You agree that we are not responsible for any viruses, firewalls, Malwaremalware, or similar devices or programs that you may encounter when using Digital Bankingaccessing your accounts, or, except to the extent required by law, or for any unauthorized transactions resulting from these devices and programs. Businesses that routinely transfer funds electronically are often targeted by scammers and tricked into making transfers in either in the wrong amount or to a wrong or fictitious Receiver. This often occurs when the email system of the business is hacked, and an email message that appears genuine (purportedly from another company associate or a vendor) instructs the email recipient to originate a transfer. The directive is later discovered to be fraudulent. To protect yourself against this type of scam, confirm via a call to a pre-established telephone number that the email directing the transfer is authentic. Do not accept changes to transfer instructions via email. Do not rely on emails received through free email accounts, which typically have more security concerns than emails sent or received through private email servers. Be suspicious of any instructions that direct you to transfer funds to an account held in the name of an unknown Receiver or in an unexpected geographic location. Once funds are transferred, they are often difficult or impossible to retrieve, especially if the funds are transferred to a Receiver/RDFI in a foreign country.

Virus Protection, Firewalls and Malicious Software. You are obligated to take security precautions to protect your computer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer/computer or Mobile Device or deceive trick you or other Users others in order to gain control of any computer/Mobile Device computer used to access your Accounts through Digital Online Banking. These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches. Specifically, you may be unwittingly induced to install on your computer or Mobile Device malicious software ("Malware"), commonly referred to, among other names, as computer viruses, worms, Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain Malware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once Malware is installed on your computer or Mobile Devicecomputer, it is very difficult to detect using traditional antivirus software products running on the infected computer/Mobile Device. Financial Malware, in particular, Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols but are under no obligation to determine if any or all of the computers or Mobile Devices you use are secure or if they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and Malware protection products of your choice to protect from, detect and remove any viruses and Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We further encourage you to exercise caution when using your computers or Mobile Devices for activities unrelated to accessing Digital Online Banking. A virus on your computer or Mobile Device that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your Accounts. If we learn, or have reason to believe, any computer or Mobile Device you use to access Digital Online Banking is compromised and not secure, whether such that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to Digital Online Banking without prior notice to you. If, after suspending, canceling, canceling or limiting your access to Digital Online Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, payment models and models, previously scheduled transfers of bill pay transactions, or links that allow you to aggregate your financial data into our Money Manager tools. You agree that we are not responsible for any viruses, firewalls, Malware, or similar devices or programs that you may encounter when using Digital Online Banking, or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. You are obligated to take security precautions to protect your computer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer/computer or Mobile Device or deceive trick you or other Users others in order to gain control of any computer/Mobile Device computer used to access your Accounts through Digital Online Banking. These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches. Specifically, you may be unwittingly induced to install on your computer or Mobile Device malicious software ("Malware"), commonly referred to, among other names, as computer viruses, worms, Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain Malware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once Malware is installed on your computer or Mobile Devicecomputer, it is very difficult to detect using traditional antivirus software products running on the infected computer/Mobile Device. Financial Malware, in particular, Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols but are under no obligation to determine if any or all of the computers or Mobile Devices you use are secure or if they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and Malware protection products of your choice to protect from, detect and remove any viruses and Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We further encourage you to exercise caution when using your computers or Mobile Devices for activities unrelated to accessing Digital Online Banking. A virus on your computer or Mobile Device that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your Accounts. If we learn, or have reason to believe, any computer you or Mobile Device you your authorized representatives use to access Digital Online Banking is compromised and not secure, whether such that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to Digital Online Banking without prior notice to you. If, after suspending, canceling, canceling or limiting your access to Digital Online Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, payment models and models, previously scheduled transfers of Xxxx Pay transactions. You agree that we are not responsible for any viruses, firewalls, Malware, or similar devices or programs that you may encounter when using Digital Online Banking, or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. You are obligated to take security precautions to protect your computer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer/computer or Mobile Device Device, or deceive trick you or other Users others in order to gain control of any computer/Mobile Device computer used to access your Accounts through Digital Online Banking. These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches. Specifically, you may be unwittingly induced to install on your computer or Mobile Device malicious software ("Malware"), commonly referred to, among other names, as computer viruses, worms, Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain Malware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once Malware is installed on your computer or Mobile Devicecomputer, it is very difficult to detect using traditional antivirus software products running on the infected computer/Mobile Device. Financial Malware, in particular, Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols protocols, but are under no obligation to determine if any or all of the computers or Mobile Devices you use are secure or if they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and Malware protection products of your choice to protect from, detect and remove any viruses and Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We further encourage you to exercise caution when using your computers or Mobile Devices for activities unrelated to accessing Digital Online Banking. A virus on your computer or Mobile Device that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your Accounts. If we learn, or have reason to believe, any computer or Mobile Device you use to access Digital Online Banking is compromised and not secure, whether such that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to Digital Online Banking without prior notice to you. If, after suspending, canceling, canceling or limiting your access to Digital Online Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, payment models and models, previously scheduled transfers of xxxx pay transactions, or links that allow you to aggregate your financial data into our Money Manager tools. You agree that we are not responsible for any viruses, firewalls, Malware, or similar devices or programs that you may encounter when using Digital Online Banking, or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.