Common use of Account and Information Security Clause in Contracts

Account and Information Security. The Service utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. Prior to activating your access to the Service, MVB will verify your identity and authorization against information associated with the Eligible Account(s) that you request to be linked to the Service. Username and Passwords - One of the main security features protecting the Service is the unique combination of your Username and Password. During the enrollment process, you will be asked to select a unique Username, and then choose a Password that will be used to gain access to the Service. You determine your own Password, which is encrypted in our database. Neither this Institution nor its Service Providers have access to this information. The Service will automatically inactivate your account after five unsuccessful login attempts. You may reset your password online using the "Forgot Password?" link or you may contact this Institution for assistance. Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. You agree to keep your username and password confidential and will not hold the Bank liable for any unauthorized access. You should carefully select a Password that is hard to guess. • You should not use words based on your name, address, or other personal information. • Strong passwords password or passphrase is suggested to be long in length also known as a passphrase. A passphrase is a sentence like string of words used for authentication that is longer than a traditional password, easy to remember and difficult to crack. The longer your password or passphrase – the better. • Use uppercase and lowercase letters, numbers, and special symbols. Passwords that consist of mixed characters are harder to crack. • Do not contain memorable keyboard paths e.g., 1234 • Do NOT use dictionary words. • Create a Password that is unique to each system you have. • Keep your Password safe. • Memorize your Password and do NOT write it down. • You should also change your Password occasionally, such as every 90 days. • A Password should be changed immediately if you suspect that it has been compromised. This can be done at any time from the “Settings” menu after you log on to the Service. IF YOU OR YOUR AUTHORIZED USERS DISCLOSE YOUR PASSWORD TO ANYONE, AND/OR IF YOU ALLOW SOMEONE TO USE YOUR PASSWORD TO ACCESS YOUR ACCOUNTS, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM (E.G., SUCH AS WHEN YOU PROVIDE THIS INFORMATION TO A JOINT ACCOUNT HOLDER, AN EMPLOYEE, AND/OR AN AGGREGATION SERVICE PROVIDER). If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify us at once by calling 844-MVB-BANK (000-000-0000) during customer service hours. You can also contact us by sending a secure message through the Service. Additional Authentication - We may require/add additional authentication tools and/or services to your account login process. The authentication tool may require use of your electronic device or request for personal identifying data to confirm your identity. This extra layer of security for your Online Banking Account helps ensure that you’re the only person who can access your account.

Account and Information Security. The Service service utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. Prior to activating your access to the Service, MVB will verify your identity and authorization against information associated with the Eligible Account(s) that you request to be linked to the Service. Username and Passwords - One of the main security features protecting the Service is the unique combination of your Username and Password. During the enrollment process, you will be asked to select a unique Username, and then choose a Password that will be used to gain access to the Service. You determine your own Password, which is encrypted in our database. Neither this Institution institution nor its Service Providers have access to this information. The Service will automatically inactivate your account after five unsuccessful login attempts. You may reset your password online using the "Forgot Password?" link or you may contact this Institution for assistance. Because your Password password is used to access your accounts, you should treat it as you would any other sensitive personal data. You agree to keep your username and password confidential and will not hold the Bank liable for any unauthorized access. You should carefully select a Password that is hard to guess. • You should not use words based on your name, address, or other personal information. • Strong passwords password or passphrase is suggested to be long in length also known as a passphrase. A passphrase is a sentence like string of words used for authentication that is longer than a traditional password, easy to remember and difficult to crack. The longer your password or passphrase – the better. • Use uppercase and lowercase letters, numbers, and special symbols. Passwords that consist of mixed characters are harder to crack. • Do not contain memorable keyboard paths e.g., 1234 • Do NOT use dictionary words. • Create a Password that is unique to each system you have. • Keep your Password safe. • Memorize your Password and do NOT write it down. • You should also change your Password occasionally, such as every 90 days. • A Password should be changed immediately if you suspect that it has been compromised. This can be done at any time from the “Settings” menu after you log on to the Service. IF YOU OR YOUR AUTHORIZED USERS DISCLOSE YOUR PASSWORD TO ANYONE, AND/OR IF YOU ALLOW SOMEONE TO USE YOUR PASSWORD TO ACCESS YOUR ACCOUNTS, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM (E.G., SUCH AS WHEN YOU PROVIDE THIS INFORMATION TO A JOINT ACCOUNT HOLDER, AN EMPLOYEE, AND/OR AN AGGREGATION SERVICE PROVIDER). If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify us at once by calling 844-MVB-BANK (000-000-0000) during customer service hours. You can also contact us by sending a secure message through the Service. Additional Authentication - We may require/add additional authentication tools and/or services to your account login process. The authentication tool may require use of your electronic device or request for personal identifying data to confirm your identity. This extra layer of security for your Online Banking Account helps ensure that you’re the only person who can access your account.

Account and Information Security. The Service utilizes a comprehensive security strategy to protect your accounts and transactions conducted over the Internet. Prior to activating your access to the Service, MVB will verify your identity and authorization against information associated with the Eligible Account(s) that you request to be linked to the Service. Username and Passwords - One of the main security features protecting the Service is the unique combination of your Username and Password. During the enrollment process, you will be asked to select a unique Username, and then choose a Password that will be used to gain access to the Service. You determine your own Password, which is encrypted in our database. Neither this Institution nor its Service Providers have access to this information. The Service will automatically inactivate your account after five unsuccessful login attempts. You may reset your password online using the "Forgot Password?" link or you may contact this Institution for assistance. Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. You agree to keep your username and password confidential and will not hold the Bank liable for any unauthorized access. You should carefully select a Password that is hard to guess. • You should not use words based on your name, address, or other personal information. • Strong passwords password or passphrase is suggested to be long in length also known as a passphrase. A passphrase is a sentence like string of words used for authentication that is longer than a traditional password, easy to remember and difficult to crack. The longer your password or passphrase – the better. • Use uppercase and lowercase letters, numbers, and special symbols. Passwords that consist of mixed characters are harder to crack. • Do not contain memorable keyboard paths e.g., 1234 • Do NOT use dictionary words. • Create a Password that is unique to each system you have. • Keep your Password safe. • Memorize your Password and do NOT write it down. • You should also change your Password occasionally, such as every 90 days. • A Password should be changed immediately if you suspect that it has been compromised. This can be done at any time from the “Settings” menu after you log on to the Service. IF YOU OR YOUR AUTHORIZED USERS DISCLOSE YOUR PASSWORD TO ANYONE, AND/OR IF YOU ALLOW SOMEONE TO USE YOUR PASSWORD TO ACCESS YOUR ACCOUNTS, YOU ARE AUTHORIZING THEM TO ACT ON YOUR BEHALF AND YOU WILL BE RESPONSIBLE FOR ANY USE OF THE SERVICE BY THEM (E.G., SUCH AS WHEN YOU PROVIDE THIS INFORMATION TO A JOINT ACCOUNT HOLDER, AN EMPLOYEE, AND/OR AN AGGREGATION SERVICE PROVIDER). If you believe that your password or other means to access your account has been lost or stolen or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify us at once by calling 844-MVB-BANK (000-000-0000) during customer service hours. You can also contact us by sending a secure message through the Service. Additional Authentication - – We may require/add additional authentication tools and/or services to your account login process. The authentication tool may require use of your electronic device or request for personal identifying data to confirm your identity. This extra layer of security for your Online Banking Account helps ensure that you’re the only person who can access your account.