Common use of Additional Security Guidelines Clause in Contracts

Additional Security Guidelines. 1. Although we do not guarantee security of any personal or public computer, we strongly recommend that you refrain from the use of any public computer (e.g. in a library or internet cafe). 2. Routinely scan your computer, servers, and electronic media using a reliable virus detection product. Undetected or unrepaired viruses may corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit a virus to other computers. We have the authority to suspend any Eligible Account(s) should we determine, in our sole discretion, it may potentially cause harm. 3. Use a firewall product (hardware and/or software), especially if you have a broadband Internet connection such as DSL or cable modem. 4. Periodically update your computer operating system and browser for critical security related patches. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Service. Please Note: Failure to keep your computer updated may invite unwanted hackers access to your system. In addition to the security features described above, there may be other security related notices posted on our website from time-to-time. It is your responsibility to read all security notices. We will use commercially reasonable efforts to make all your transfers, ▇▇▇▇ Payments, and Wire Transfer Requests properly. However, we shall incur no liability and any ▇▇▇▇ Payment Service Guarantee or Wire Transfer Request Guarantee shall be void if we are unable to complete any transactions initiated by you because of the existence of any one or more of the following circumstances: • If, through no fault of ours, your Eligible Account(s) and/or Funding Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft protection (if applicable); • If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy; • If your funds are subject to legal process or other encumbrance restricting the transfer; • If your transfer authorization terminates by operation of law; • If you have not properly followed the scheduling instructions as noted in the "Help" link within Online Banking or ▇▇▇▇ Payment or as provided by your Wire Transfer Request Beneficiary; • If you have not provided the Service will the correct Funding Account information or the correct name, address, phone number, or account number for the Payee; • If we have received incomplete or inaccurate information from you or a third party involving the account or transfer; • The Service is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; • If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the deposit account agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement; • If you believe someone has accessed your accounts without your permission and you fail to notify us immediately; and/or • If circumstances beyond the control of the Service, our Service Providers, and this Institution (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances. • You have been notified that should any malware and/or virus compromise your computer or device, it may result in an unauthorized transaction(s) to your Eligible Account. • You are solely responsible for keeping your computer or device updated to mitigate or eliminate potential harm. There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer. We will not be liable for any incidental or consequential damages. We are not responsible for delays in mail delivery, for the failure of any Payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond our control. We shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from any of your Eligible Account(s) or Funding Account, or causes funds from your Funding Account to be directed to a Payee which does not comply with your Payment Instructions, we and/or our Service Providers shall be responsible for returning the improperly transferred funds to your Eligible Account(s) or Funding Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges. Tell us AT ONCE if you believe your Username or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50 if someone accesses your account without your permission. If you do not tell us within two

Additional Security Guidelines. 1All Authorized Users should sign-off after every Service session; however, electronic banking sessions will automatically end after fifteen (15) minutes of inactivity. Although we do This is to protect you should you accidentally leave your computer unattended after you log-in. Also, • Do not guarantee give out your account information, password or username. • Do not leave your computer, mobile device or technological device or any device used to obtain account access unattended while using the Service. • Never leave any account information within the range of others. • Do not send privileged account information (account number, password, username, etc.) in any public or general e-mail system. • The security of any personal public computers and public networks (e.g. in a library, internet café or public computeruse of a wireless device) cannot be assured; therefore, we strongly recommend that you refrain from accessing the use of any Service on a public computer (e.g. in a library or internet cafe). 2computer. • Routinely scan your computer, servers, and electronic media using a reliable virus detection productand anti- spyware products. Undetected or unrepaired un-repaired viruses or spyware may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit sensitive data to another third party or transmit a virus to other computers. We have the authority to suspend any Eligible Account(s) should we determine, in our sole discretion, it may potentially cause harm. 3. • Use a firewall product (hardware and/or software), especially if you have a broadband Internet internet connection such as DSL or cable modem. 4. Periodically update your computer • Keep the operating system and browser of your computer, tablet, mobile device or any device used to access the Service fully patched for critical security related patchesissues. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Service. Please Note: • Avoid visiting any websites, downloading any items or any other activities which may appear suspicious in nature or which may negatively impact the security herein set forth or applicable to the Service. • Failure to keep take the above precautions shall be prima fascia evidence of intentional recklessness on your computer updated may invite unwanted hackers access part and you agree to your systemindemnify and hold harmless Hometown Bank for any security breach(es) which are, or have the potential to be, caused by such failure to act, no matter if cased directly, indirectly or by any means, no matter how minimal the relation to the cause of such failure to act. In addition to the security features described above, there may be other security related notices posted on our website or the Service from time-to-time. It is your responsibility to read all security notices. We will use commercially reasonable efforts to make all your transfers, ▇▇▇▇ Payments, and Wire Transfer Requests properly. However, we shall incur no liability and any ▇▇▇▇ Payment Service Guarantee or Wire Transfer Request Guarantee shall be void if we are unable to complete any transactions initiated by you because of the existence of any one or more of the following circumstances: • If, through no fault of ours, your Eligible Account(s) and/or Funding Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft protection (if applicable); • If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy; • If your funds are subject to legal process or other encumbrance restricting the transfer; • If your transfer authorization terminates by operation of law; • If you have not properly followed the scheduling instructions as noted in the "Help" link within Online Banking or ▇▇▇▇ Payment or as provided by your Wire Transfer Request Beneficiary; • If you have not provided the Service will the correct Funding Account information or the correct name, address, phone number, or account number for the Payee; • If we have received incomplete or inaccurate information from you or a third party involving the account or transfer; • The Service is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; • If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the deposit account agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement; • If you believe someone has accessed your accounts without your permission and you fail to notify us immediately; and/or • If circumstances beyond the control of the Service, our Service Providers, and this Institution (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances. • You have been notified that should any malware and/or virus compromise your computer or device, it may result in an unauthorized transaction(s) to your Eligible Account. • You are solely responsible for keeping your computer or device updated to mitigate or eliminate potential harm. There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer. We will not be liable for any incidental or consequential damages. We are not responsible for delays in mail delivery, for the failure of any Payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond our control. We shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from any of your Eligible Account(s) or Funding Account, or causes funds from your Funding Account to be directed to a Payee which does not comply with your Payment Instructions, we and/or our Service Providers shall be responsible for returning the improperly transferred funds to your Eligible Account(s) or Funding Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges. Tell us AT ONCE if you believe your Username or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50 if someone accesses your account without your permission. If you do not tell us within two.

Additional Security Guidelines. 1All Authorized Users should sign-off after every Service session; however, online sessions will automatically end after fifteen (15) minutes of inactivity. Although we do This is to protect you should you accidentally leave your computer unattended after you log-in. Also, • Do not guarantee give out your account information, password or user name. • Do not leave your computer, technological device or any device used to obtain account access unattended while using the Service. • Never leave any account information within the range of others. • Do not send privileged account information (account number, password, username, User Name, etc.) in any public or general e-mail system. • The security of any personal public computers and public networks (e.g. in a library, online café or public computeruse of a wireless device) cannot be assured; therefore, we strongly recommend that you refrain from accessing the use of any Service on a public computer (e.g. in a library or internet cafe). 2computer. • Routinely scan your computer, servers, and electronic media using a reliable virus detection productand anti- spyware products. Undetected or unrepaired un-repaired viruses or spyware may affect the performance of your computer, corrupt and destroy your programs, files, and even your hardware. Additionally, you may unintentionally transmit sensitive data to another third party or transmit a virus to other computers. We have the authority to suspend any Eligible Account(s) should we determine, in our sole discretion, it may potentially cause harm. 3. • Use a firewall product (hardware and/or software), especially if you have a broadband Internet online connection such as DSL or cable modem. 4. Periodically update your computer • Keep the operating system and browser of your computer, mobile device or any device used to access the Service fully patched for critical security related patchesissues. We recommend use of the most current, fully patched, versions of Internet browsers for accessing the Service. Please Note: • Avoid visiting any websites, downloading any items or any other activities which may appear suspicious in nature or which may negatively impact the security herein set forth or applicable to the Service. • Failure to keep take the above precautions shall be prima fascia evidence of intentional recklessness on your computer updated may invite unwanted hackers access part and you agree to your systemindemnify and hold harmless Hometown Bank for any security breach(es) which are, or have the potential to be, caused by such failure to act, no matter if cased directly, indirectly or by any means, no matter how minimal the relation to the cause of such failure to act. In addition to the security features described above, there may be other security related notices posted on our website or the Service from time-to-time. It is your responsibility to read all security notices. We will use commercially reasonable efforts to make all your transfers, ▇▇▇▇ Payments, and Wire Transfer Requests properly. However, we shall incur no liability and any ▇▇▇▇ Payment Service Guarantee or Wire Transfer Request Guarantee shall be void if we are unable to complete any transactions initiated by you because of the existence of any one or more of the following circumstances: • If, through no fault of ours, your Eligible Account(s) and/or Funding Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft protection (if applicable); • If there is a hold on your account, or if access to your account is blocked, in accordance with banking policy; • If your funds are subject to legal process or other encumbrance restricting the transfer; • If your transfer authorization terminates by operation of law; • If you have not properly followed the scheduling instructions as noted in the "Help" link within Online Banking or ▇▇▇▇ Payment or as provided by your Wire Transfer Request Beneficiary; • If you have not provided the Service will the correct Funding Account information or the correct name, address, phone number, or account number for the Payee; • If we have received incomplete or inaccurate information from you or a third party involving the account or transfer; • The Service is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction; • If we have a reasonable basis for believing that unauthorized use of your Password or account has occurred or may be occurring, or if you default under this Agreement, the deposit account agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement; • If you believe someone has accessed your accounts without your permission and you fail to notify us immediately; and/or • If circumstances beyond the control of the Service, our Service Providers, and this Institution (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid those circumstances. • You have been notified that should any malware and/or virus compromise your computer or device, it may result in an unauthorized transaction(s) to your Eligible Account. • You are solely responsible for keeping your computer or device updated to mitigate or eliminate potential harm. There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer. We will not be liable for any incidental or consequential damages. We are not responsible for delays in mail delivery, for the failure of any Payee to correctly account for or credit the payment in a timely manner, or for any other circumstances beyond our control. We shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from any of your Eligible Account(s) or Funding Account, or causes funds from your Funding Account to be directed to a Payee which does not comply with your Payment Instructions, we and/or our Service Providers shall be responsible for returning the improperly transferred funds to your Eligible Account(s) or Funding Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges. Tell us AT ONCE if you believe your Username or Password has been lost or stolen. Telephoning is the best way of minimizing your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit, if applicable). If you tell us within two (2) Business Days after you discover your password or other means to access your account has been lost or stolen, your liability is no more than $50 if someone accesses your account without your permission. If you do not tell us within two.