Common use of Your Security Obligations Clause in Contracts

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., computers in a library, internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet browsers for accessing the Online Banking Service. • Always keep your anti-virus and anti-spyware software current, and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet connection such as DSL or cable modem. • If you use a wireless internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., e.g. computers in a library, internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet browsers for accessing the Online Banking Service. • Always keep your anti-virus and anti-spyware software current, and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet connection such as DSL or cable modem. • If you use a wireless internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • All Authorized Users should sign-off and close their browser after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., e.g. computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking Service. • Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-un- repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCEYou are solely responsible for the maintenance, INSTALLATIONSinstallations, AND OPERATION OF YOUR COMPUTER, and operation of your computer INCLUDING BUT NOT LIMITED TO but not limited to THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYSNeither This financial institution nor its service providers shall be responsible for any delays, ERRORSerrors, DELETIONSdeletions, FAILURESfailures, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUSor disclosure of personal or Business Account information that may occur as a result of any Virus, TROJANTrojan, SHARED PASSWORDshared password, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER or malfunction of your computer or software or your Failure to adequately maintain and secure your computer AND SOFTWARE. • All •All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain •Refrain from using public computers (e.g., e.g. computers in a library, internet cafe Internet café or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always •Always keep your computer's ’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking Service. • Always •Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always •Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If •If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCEYou are solely responsible for the maintenance, INSTALLATIONSinstallations, AND OPERATION OF YOUR COMPUTER, and operation of your computer INCLUDING BUT NOT LIMITED TO but not limited to THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYSNeither This financial institution nor its service providers shall be responsible for any delays, ERRORSerrors, DELETIONSdeletions, FAILURESfailures, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUSor disclosure of personal or Business Account information that may occur as a result of any Virus, TROJANTrojan, SHARED PASSWORDshared password, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER or malfunction of your computer or software or your Failure to adequately maintain and secure your computer AND SOFTWARE. • All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., e.g. computers in a library, internet cafe Internet café or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking Service. • Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users user's security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • - All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • - Refrain from using public computers computer (e.g., e.g. computers in a library, internet cafe Internet cafe’ or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • - Always keep your computer's ’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking Service. • - Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of or personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • - Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • - If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • SOFTWARE  All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. •  Refrain from using public computers (e.g., e.g. computers in a library, internet cafe Internet café or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. •  Always keep your computer's ’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, patched versions of internet Internet browsers for accessing the Online Banking Service. •  Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. •  Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. •  If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking Online Banking users security related notices or reminders; it . It is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION THE BANK NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., e.g. computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Banking ServiceServices. • Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computercomputer or mobile device, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.. Please refer to Section 21 for consumer protections under Regulation E.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION THE BANK NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. •  All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. •  Refrain from using public computers (e.g., e.g. computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. •  Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Banking ServiceServices. •  Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computercomputer or mobile device, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. •  Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. •  If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.. Please refer to Section 21 for consumer protections under Regulation E.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., e.g. computers in a library, internet cafe Internet café or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's ’s operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking Service. • Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users user’s security related notices or reminders; it . It is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCEYou are solely responsible for the maintenance, INSTALLATIONSinstallations, AND OPERATION OF YOUR COMPUTERand operation of your computer including but not limited to the use of updated anti-virus protection. • Neither this financial institution nor its service providers shall be responsible for any delays, INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYSerrors, ERRORSdeletions, DELETIONSfail- ures, FAILURESor disclosure of personal or business account information that may occur as a result of any virus, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUStrojan, TROJANshared password, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWAREor malfunction of your computer or software or your failure to adequately maintain and secure your computer and software. • All Authorized Users should sign-off and close their browser after every session. While online sessions will automatically auto- matically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer com- puter unattended. • Refrain from using public computers (e.g., computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend recom- mend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking ServiceSer- vice. • Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-un- repaired viruses or malware may affect the security securi- ty of online accounts and the privacy of personal information stored on your computer. If your computer is compromised com- promised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information informa- tion or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-ANTI- VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION FIRSTBANK VIRGIN ISLANDS NOR ITS INTERNET BANKING SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., e.g. computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking Service. • Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. • Occasionally we may post important security notices on our website and/or send online banking users user’s security related notices or reminders; it . It is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. •  All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. •  Refrain from using public computers (e.g., e.g. computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. •  Always keep your computer's computers operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking Service. •  Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. •  Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. •  If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCEYou are solely responsible for the maintenance, INSTALLATIONSinstallations, AND OPERATION OF YOUR COMPUTERand operation of your computer including but not limited to the use of updated anti-virus protection. • Neither this financial institution nor its service providers shall be responsible for any delays, INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYSerrors, ERRORSdeletions, DELETIONSfailures, FAILURESor disclosure of personal or business account information that may occur as a result of any virus, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUStrojan, TROJANshared password, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWAREor malfunction of your computer or software or your failure to adequately maintain and secure your computer and software. • All Authorized Users should sign-off and close their browser after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain from using public computers (e.g., computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Internet Banking ServiceSer vice. • Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-un- repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised com promised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.

Your Security Obligations. YOU ARE SOLELY RESPONSIBLE FOR THE MAINTENANCE, INSTALLATIONS, AND OPERATION OF YOUR COMPUTER, COMPUTER INCLUDING BUT NOT LIMITED TO THE USE OF UPDATED ANTI-VIRUS PROTECTION. NEITHER THIS FINANCIAL INSTITUTION THE BANK NOR ITS SERVICE PROVIDERS SHALL BE RESPONSIBLE FOR ANY DELAYS, ERRORS, DELETIONS, FAILURES, OR DISCLOSURE OF PERSONAL OR BUSINESS ACCOUNT INFORMATION THAT MAY OCCUR AS A RESULT OF ANY VIRUS, TROJAN, SHARED PASSWORD, OR MALFUNCTION OF YOUR COMPUTER OR SOFTWARE OR YOUR FAILURE TO ADEQUATELY MAINTAIN AND SECURE YOUR COMPUTER AND SOFTWARE. • All -All Authorized Users should sign-off after every session. While online sessions will automatically end after a period of inactivity, logging off can help protect you in case you accidentally leave your computer unattended. • Refrain -Refrain from using public computers (e.g., e.g. computers in a library, internet Internet cafe or hotel business center) to access your online banking accounts. The security of public or shared computers cannot be assured. • Always -Always keep your computer's operating system and browser fully patched for critical security issues. We recommend use of the most current, fully patched, versions of internet Internet browsers for accessing the Online Banking ServiceServices. • Always -Always keep your anti-virus and anti-spyware software current, current and routinely scan your computer, servers, and electronic media using reliable virus detection and anti-spyware products. Undetected or un-repaired viruses or malicious software (malware) may affect the performance of your computercomputer or mobile device, corrupt and destroy your programs, files, and even your hardware. Furthermore, undetected or un-repaired viruses or malware may affect the security of online accounts and the privacy of personal information stored on your computer. If your computer is compromised by some form of malware, virus, or Trojan, you could unintentionally transmit sensitive account information or personal data to another third party or transmit a virus to other computers. • Always -Always use a firewall product (hardware and/or software), especially if you have a broadband internet Internet connection such as DSL or cable modem. • If -If you use a wireless internet Internet connection to access your online accounts, make sure that the wireless network is encrypted. Occasionally we may post important security notices on our website and/or send online banking users security related notices or reminders; it is your responsibility to read all security notices.. Please refer to Section 21 for consumer protections under Regulation E.