Common use of Your Username and Password Clause in Contracts

Your Username and Password. You understand and agree that your Username and Password, in conjunction with any other security procedures, are exclusively for your use to authenticate you to us when using Online Banking. You agree that we may rely on your Username and Password to identify you when you use Online Banking, and to consider it as the equivalent of your signature authorization for any Online Transactions you initiate through Online Banking. You may change your Password at any time, and we strongly encourage you to do so from time to time. When doing so, you agree that you will not use combinations that are easily guessed (such as your birth date, phone number, or social security number) and to otherwise comply with Section 8 of this Agreement. You also agree to follow any requirements that we may have for your Username and Password (for example, if we have a minimum number of characters, require that a particular letter character be capitalized, or require one of the characters to be a number). We will inform you of any such requirements when changing your Password within Online Banking. Except as is more fully discussed elsewhere in this Agreement and your Account Agreements, you understand and agree that you are responsible for all transfers and payments made through Online Banking. You agree not to give your Password, or make it available, to any other person. Notwithstanding the foregoing, you acknowledge and agree that if you nonetheless permit another party to use your Username and Password to access Online Banking, or otherwise authorize them to use Online Banking, you are responsible for any and all Online Transactions that such party makes from your Account, even if it exceeds your authorization. You understand and agree that we may follow and comply with any Transfer Instructions entered using your Username and Password.

Your Username and Password. You understand and agree that your Username and Password, in conjunction with any other security procedures, are exclusively for your use to authenticate you to us when using Online Banking. You agree that we may rely on your Username and Password to identify you when you use Online Banking, and to consider it as the equivalent of your signature authorization for any Online Transactions you initiate through Online Banking. You may change your Password at any time, and we strongly encourage you to do so from time to time. When doing so, you agree that you will not use combinations that are easily guessed (such as your birth date, phone number, or social security number) and to otherwise comply with Section 8 of this Agreement. You also agree to follow any requirements that we may have for your Username and Password (for example, if we have a minimum number of characters, require that a particular letter character be capitalized, or require requ ire one of the characters to be a number). We will inform you of any such requirements when changing your Password within Online Banking. Except as is more fully discussed elsewhere in this Agreement and your Account Agreements, you understand and agree that you are responsible for all transfers and payments made through Online Banking. You agree not to give your Password, or make it available, to any other person. Notwithstanding the foregoing, you acknowledge and agree that if you nonetheless permit another party to use your Username and Password to access Online Banking, or otherwise authorize them to use Online Banking, you are responsible for any and all Online Transactions that such party makes from your Account, even if it exceeds your authorization. You understand and agree that we may follow and comply with any Transfer Instructions entered using your Username and Password.