Common use of Access Codes Clause in Contracts

Access Codes. For security, identification and verification purposes, when using the bank’s service channels, you will make use of a variety of access codes to identify yourself, such as your access number, Personal Identification Number ("PIN"), Mobile Banking Personal Identification Number (“MOPIN”), card number, account number, User ID and Password, etc. These are all called your "access codes". You are responsible for keeping your access codes secret. Only you may use your access codes. You must not give/show your access codes to anyone else, including anyone who is from the bank or claims to be from the bank. Do not keep your access codes together with other Banking documents or any devices you use to gain access to the bank’s service channels. (E.g. your cellphone). The customer has the right to demand the return of any physical devices we provided to its users. The customer, however, is not entitled at any time to use, have any knowledge about or access to any user’s access codes. When the customer repossesses such physical access device it must notify the bank in writing or via the helpline, and the card or device must be destroyed or returned to the bank. You must also follow the tips for creating/safeguarding your access codes, as published in the bank’s Security Centre from time to time. You may not register for the service or access the service channel using someone else’s access codes, information or device. Because we deal with you remotely (non-face-to-face) you authorise us to act on and accept all instructions/transactions (“transactions”) that occur after your access codes have been entered or applied. We are entitled to assume that all such transactions have been authorised by you, even if such transactions took place without your knowledge or consent or were not authorised. This will not apply to transactions that occur after you have requested that we disable any access code. You must tell us immediately if you know or suspect that your access code(s) have been lost, stolen or may be misused. If there is a dispute about this, the duty is on you to prove that you notified us accordingly. After we have disabled your access codes we can reject instructions received after such access codes were disabled. We may also (if possible) suspend or reverse instructions received (but not yet processed) before the access codes were disabled. We may refuse to process instructions/communications or can disable your access, if you don’t meet the verification criteria required by us from time to time.

Access Codes. For security, identification and verification purposes, when using the bank’s service channels, you will make use of a variety of access codes to identify yourself, such as your access number, Personal Identification Number ("PIN"), Mobile Banking Personal Identification Number (“MOPIN”), card number, account number, User ID and Password, etc. These are all called your "access codes". You are responsible for keeping your access codes secret. Only you may use your access codes. You must not give/show your access codes to anyone else, including anyone who is from the bank or claims to be from the bank. Do not keep your access codes together with other Banking documents or any devices you use to gain access to the bank’s service channels. (E.g. e.g. your cellphone). The customer has the right to demand the return of any physical devices we provided to its users. The customer, however, is not entitled at any time to use, have any knowledge about or access to any user’s access codes. When the customer repossesses such physical access device it must notify the bank in writing or via the helpline, and the card or device must be destroyed or returned to the bank. You must also follow the tips for creating/safeguarding your access codes, as published in the bank’s Security Centre from time to time. You may not register for the service or access the service channel using someone else’s access codes, information or device. Because we deal with you remotely (non-face-to-face) you authorise us to act on and accept all instructions/transactions (“transactions”) that occur after your access codes have been entered or applied. We are entitled to assume that all such transactions have been authorised by you, even if such transactions took place without your knowledge or consent or were not authorised. This will not apply to transactions that occur after you have requested that we disable any access code. You must tell us immediately if you know or suspect that your access code(s) have been lost, stolen or may be misused. If there is a dispute about this, the duty is on you to prove that you notified us accordingly. After we have disabled your access codes we can reject instructions received after such access codes were disabled. We may also (if possible) suspend or reverse instructions received (but not yet processed) before the access codes were disabled. We may refuse to process instructions/communications or can disable your access, if you don’t meet the verification criteria required by us from time to time.

Access Codes. For security, identification and verification purposes, when using the bankBank’s service channels, you will make use of a variety of access codes to identify yourself, such as your access number, Personal Identification Number ("PIN"), Mobile Banking Personal Identification Number (“MOPIN”), card number, account number, User ID and Password, etc. These are all called your "access codes". You are responsible for keeping your access codes secret. Only you may use your access codes. You must not give/show your access codes to anyone else, including anyone who is from the bank Bank or claims to be from the bankBank. Do not keep your access codes together with other Banking documents or any devices you use to gain access to the bankBank’s service channels. (E.g. your cellphone). The customer has the right to demand the return of any physical devices we provided to its users. The customer, however, is not entitled at any time to use, have any knowledge about or access to any user’s access codes. When the customer repossesses such physical access device it must notify the bank Bank in writing or via the helpline, and the card or device must be destroyed or returned to the bankBank. You must also follow the tips for creating/safeguarding your access codes, as published in the bankBank’s Security Centre from time to time. You may not register for the service or access the service channel using someone else’s access codes, information or device. Because we deal with you remotely (non-face-to-face) you authorise us to act on and accept all instructions/transactions (“transactions”) that occur after your access codes have been entered or applied. We are entitled to assume that all such transactions have been authorised by you, even if such transactions took place without your knowledge or consent or were not authorised. This will not apply to transactions that occur after you have requested that we disable any access code. You must tell us immediately if you know or suspect that your access code(s) have been lost, stolen or may be misused. If there is a dispute about this, the duty is on you to prove that you notified us accordingly. After we have disabled your access codes we can reject instructions received after such access codes were disabled. We may also (if possible) suspend or reverse instructions received (but not yet processed) before the access codes were disabled. We may refuse to process instructions/communications or can disable your access, if you don’t meet the verification criteria required by us from time to time.

Access Codes. For securityTo use the Service, identification each authorized user is required to enter the following information ("Access Codes"): • Username • Random Code • Response to security question • Security Key • Password You agree that electronic copies of communications are valid and verification purposesyou will not contest the validity of the originals or copies, when using absent proof of altered data or tampering. Varying Access Codes may be required to perform varying specific functions and security features and procedures may be changed by us during the bank’s service channelscourse of the online relationship. If you are an owner of a business account that wishes to identify authorized users to use the Service on your behalf, you will make use provide to us the names of any person(s) that you wish to be authorized users and designated the levels of the Service that the authorized users may access. We will provide each such person with a variety of access codes username and default password. All default passwords provided by us to identify yourself, such as you or your access number, Personal Identification Number ("PIN"), Mobile Banking Personal Identification Number (“MOPIN”), card number, account number, User ID and Password, etc. These are all called your "access codes"authorized users must be changed immediately by you or the authorized user. You are responsible for keeping all transfers you and any authorized user make using the Service. If you permit other persons to use the Service or your access codes secret. Only you may use your access codes. You must not give/show your access codes to anyone else, including anyone who is from the bank or claims to be from the bank. Do not keep your access codes together with other Banking documents or any devices you use to gain access to the bank’s service channels. accounts and Access Codes (E.g. your cellphone). The customer has the right to demand the return of any physical devices we provided to its users. The customer, however, is not entitled at any time to use, have any knowledge about or access to any user’s access codes. When the customer repossesses such physical access device it must notify the bank in writing or via the helpline, and the card or device must be destroyed or returned to the bank. You must also follow the tips for creating/safeguarding your access codes, as published in the bank’s Security Centre from time to time. You may not register for the service or access the service channel using someone else’s access codes, information or device. Because we deal with you remotely (non-face-to-face) you authorise us to act on and accept all instructions/transactions (“transactions”) that occur after your access codes have been entered or applied. We are entitled to assume that all such transactions have been authorised by you, even if such transactions took place without your knowledge or consent or were not authorised. This will not apply to transactions that occur after though you have requested that we disable any access codeagreed not to disclose this information), you are responsible for all transactions they authorize. You must tell us immediately if If you know or suspect believe that your access code(s) account numbers and Access Codes have been lost, stolen or compromised, or that someone may be misusedattempt to use the Service without your consent or has transferred money from your account by accessing your account without your permission, you must notify Horicon Bank at once by calling us during business hours. If there Use of Access Codes is a dispute about this, the duty is on you agreed security procedure to prove access the Service. You agree to keep the Access Codes confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of the Service. For security purposes we recommend that you notified us accordinglydo not use the same Access Codes you use on other bank products and that you change passwords on a regular and timely basis. After Your password(s) can be changed within the Service or by calling customer service at the number provided below. You also agree that we have disabled may revoke your access codes to the Service if unauthorized account access and/or transactions occur as the apparent result of negligence in the safeguarding of the account number and Access Codes belonging to you and/or your authorized user(s). Further, you agree that, if we can reject instructions received after such access codes were disabled. We are notified that you have included Horicon Bank in the filing of a petition of bankruptcy, we may also (if possible) suspend revoke or reverse instructions received (but not yet processed) before the access codes were disabled. We may refuse to process instructions/communications grant you Service functions or can disable your access, if you don’t meet the verification criteria required by us from time to time.

Access Codes. For security, identification and verification purposes, when using the bankFNB’s service channels, you will make use of a variety of access codes to identify yourself, such as your access number, Personal Identification Number ("PIN"), Mobile Banking Personal Identification Number (“MOPIN”), card number, account number, User ID and Password, etc. These are all called your "access codes". You are responsible for keeping your access codes secret. Only you may use your access codes. You must not give/show your access codes to anyone else, including anyone who is from the bank FNB or claims to be from the bankFNB. Do not keep your access codes together with other FNB Banking documents or any devices you use to gain access to the bank’s FNB service channels. (E.g. e.g. e-Reg Card or Telephone Banking Card or your cellphone). The customer has the right to demand the return of any physical devices we provided to its users. The customer, howeverincluding the Telephone Banking card or e-Reg Card, but the customer is not entitled at any time to use, have any knowledge about or access to any its user’s access codes. When the customer repossesses such physical access device it must notify the bank in writing or via the helpline, and the card or device must be destroyed or returned to the bank. You must also follow the tips for creating/safeguarding your access codes, as published in the bankFNB’s Security Centre from time to time. You may not register for the service or access the service channel using someone else’s access codes, information or device. Because we deal with you remotely (non-face-to-face) you authorise us to act on and accept all instructions/transactions (“transactions”) that occur after your access codes have been entered or applied. We are entitled to assume that all such transactions have been authorised by you, even if such transactions took place without your knowledge or consent or were not authorised. This will not apply to transactions that occur after you have requested that we disable any access code. You must tell us immediately if you know or suspect that your access code(s) have been lost, stolen or may be misused. If there is a dispute about this, the duty is on you to prove that you notified us accordinglyhave done this. After we have disabled your access codes we can reject instructions received after such access codes were disabled. We disabled and may also (if possible) also suspend or reverse instructions received (but not yet processed) before the access codes were disabled. We may refuse to process instructions/communications or can disable your access, if you don’t meet the verification criteria required set by us from time to time.

Access Codes. For security, The personal identification number/password and verification purposes, when using username are the bank’s service channels, you will make use of a variety of access codes that you select for your security. 1. Your access codes are confidential and should not be disclosed to identify yourself, such as your access number, Personal Identification Number ("PIN"), Mobile Banking Personal Identification Number (“MOPIN”), card number, account number, User ID and Password, etc. These are all called your "access codes"third parties or recorded. You are responsible for keeping safekeeping your access codes. 2. You agree not to disclose or otherwise make your access codes secretavailable to anyone not authorized by you to sign on your accounts. Only If you authorize anyone to use your access codes, you understand that person may use the Online Banking Services or Mobile Banking Services to review all of your account information and make account transactions. Therefore, we are entitled to act on transaction instructions received using your access codes and you agree that the use of your access codes will have the same effect as your signature authorizing transactions. 3. If you authorize anyone to use your access codes that authority will be considered unlimited in amount and manner until you specifically revoke such authority by notifying the Credit Union and changing your access codes. You must not give/show are responsible for any transactions made by such persons until you notify us that transactions and access by that person are no longer authorized and your access codes are changed. 4. If you fail to anyone else, including anyone who is from maintain or change the bank or claims to be from the bank. Do not keep your security of these access codes together with other Banking documents or any devices and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. 5. You agree to immediately notify us and select a new passcode if you use believe your passcode may have become known to gain access to the bank’s service channels. (E.g. your cellphone)an unauthorized person. The customer has the right Credit Union will have no liability to demand the return you for any unauthorized payment or transfer made using your passcode that occurs before you have notified us of any physical devices possible unauthorized use and we provided to its users. The customer, however, is not entitled at any time to use, have any knowledge about or access to any user’s access codes. When the customer repossesses such physical access device it must notify the bank in writing or via the helpline, and the card or device must be destroyed or returned to the bank. You must also follow the tips for creating/safeguarding your access codes, as published in the bank’s Security Centre from time to time. You may not register for the service or access the service channel using someone else’s access codes, information or device. Because we deal with you remotely (non-face-to-face) you authorise us had a reasonable opportunity to act on and accept all instructions/transactions (“transactions”) that occur after your access codes have been entered or applied. We are entitled to assume that all such transactions have been authorised by you, even if such transactions took place without your knowledge or consent or were not authorised. This will not apply to transactions that occur after you have requested that we disable any access code. You must tell us immediately if you know or suspect that your access code(s) have been lost, stolen or may be misused. If there is a dispute about this, the duty is on you to prove that you notified us accordingly. After we have disabled your access codes we can reject instructions received after such access codes were disablednotice. We may also (if possible) suspend or reverse instructions received (but not yet processed) before the access codes were disabled. We may refuse to process instructions/communications or can disable cancel your accesspasscode even without receiving such notice from you, if we suspect your passcode is being used in an unauthorized or fraudulent manner. 6. By using Online Banking Services you don’t meet acknowledge and agree that this Agreement sets forth security procedures for electronic banking transactions that are commercially reasonable. You agree to be bound by instructions, whether authorized or unauthorized, which the verification criteria required by Credit Unions implements in compliance with these procedures, unless you have given us from time prior notice of possible unauthorized use as described above (and we had a reasonable opportunity to timeact on such notice).