Common use of AND OTHER SECURITY PROCEDURES Clause in Contracts

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password, and other security procedures, as further described in this Agreement and in our “Online Banking Security Procedures Disclosure” as provided to you upon enrollment in Online Banking and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. You understand that the Security Procedures include “enhanced log-in security” to access Online Banking and perform certain transactions as described in this Agreement. Enhanced log-in security incorporates a multi-part credential for each user of Online Banking that is in addition to Login IDs and password security. It incorporates an additional factor(s) of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies and one-time passcodes. The enhanced log-in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codes. Additional required and/or optional Security Procedures may apply to you and/or to different Online Banking features. Any such additional required and/or optional Security Procedures will be described in this Agreement and/ or our Online Banking Security Procedures Disclosure. We will execute authenticated transfers or transactions that are in conformity with all Security Procedures and other requirements set forth in this Agreement. We may require additional authentication of any transfer or transaction request. We reserve the right to reject a transfer or transaction request that cannot be properly authenticated. Except as is more fully discussed in this Agreement, you understand and agree that you are responsible for all transfers and payments made through the Service using the Security Procedures. You also acknowledge and agree that if you permit another party(ies) to use the Security Procedures to access the Service, or otherwise authorize them to use the Service, you are responsible for any and all Online Transactions that the party(ies) makes from your Account, even if it exceeds your authorization. Subject to the terms of this Agreement, we may follow and comply with any transfer instructions entered into the Service using the Security Procedures. You acknowledge and understand the importance of your role in preventing misuse of your Accounts through Online Banking. You agree that it is your sole responsibility to protect the confidentiality of your Account and Account number(s), the Security Procedures, and your personal identification information, such as your driver’s license number and social security or tax identification number. You should not use a public computer to access Online Banking. You agree that if you access the Service from a computer other than your own (such as a public computer terminal at a library or Internet café), you will not register the public computer and you will not leave the computer unattended while using the Service. You also agree that, in such situations, you will always end your session using the Service by clicking on the LOG OFF button. We will not be liable to you for any losses that may result from your failure to follow these security provisions. You understand that personal identification information, by itself or together with information related to your Account(s), may allow unauthorized entry and access to your Account. Data transferred via Online Banking is encrypted in an effort to provide transmission security, and Online Banking utilizes identification technology to verify that the sender and receiver of Online Banking transmissions can be appropriately identified by each other. We will never email you to request your Login ID and password or your personal Account information over the Internet. If you suspect that an unsolicited email of this nature is fraudulent, please contact us. FEES AND CHARGES You agree to pay the fees and charges for your use of the Service as set forth in the Fee Schedule as it may be amended from time to time with notice to you as required by Applicable Law. You agree to pay any and all additional charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Online Banking.

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password, password and other security procedures, as further described in this Agreement and in our “Online Banking Security Procedures Disclosure” as provided to you upon enrollment in Online Banking below and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. You understand that the The following Security Procedures include “enhanced apply to access by all customers, except as otherwise expressly provided, to Inwood National Bank’s Online Banking Service, including the Mobile Banking Service feature of Online Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online Banking Service customers: Login ID: This is the electronic identification (in letters, numerals and special characters) associated with each user of the Online Banking Service that will be used for log-in. Password: Each user of the Online Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including but not limited to minimum and maximum length and types of characters, as further described in the Online Banking system. Each user is required to change his or her individual password from time to time for security purposes and on a frequency established by the Bank. Login IDs and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Online Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in security” to access Online Banking and perform certain transactions as described in this Agreementfor each user. Enhanced log-in security incorporates a an additional multi-part credential for each user of Online Banking that is in addition to Login IDs and password security. It incorporates an additional factor(s) of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies cookies, flash objects, and one-time passcodespass-codes. The enhanced log-in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codescodes that may be required from time to time at log-in. Additional required and/or optional Security Procedures These log-in pass-codes may apply be delivered to users via email or such other method as Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you and/or during enrollment in the Mobile Banking Service to different be used for certain Online Banking featuresService activities and transactions initiated using a Mobile Device, including but not limited to Bill Payment Service transactions. Any such additional required and/or optional Security Procedures will be described in this Agreement and/ or our Minimum System Requirements: Online Banking Security Procedures Disclosureis designed to operate using the latest operating system and browser combinations. We will execute authenticated transfers or transactions that It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.xxxxxxxxxx.xxx are the minimum requirements necessary to ensure a positive experience while using Online Banking. Those requirements are in conformity with all Security Procedures and other addition to the Computer requirements set forth in this Agreement. We may require additional authentication of any transfer or transaction request. We reserve the right to reject a transfer or transaction request that cannot be properly authenticated. Except as is more fully discussed described in this Agreement, you understand and agree that you are responsible for all transfers the recommendations available at the Online Banking Service website and payments made through associated web pages, including but not limited to the Service using following:  update the Computer operating system  keep the browser current  install anti-virus software and anti-spyware software  change passwords on a regular basis  do not click links inside spam email, especially emails claiming to offer anti-spyware software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Banking. You also acknowledge and agree that if you permit another party(ies) to The Bank strongly recommends the use the of these additional Security Procedures to access help deter and protect against unauthorized transactions associated with the ServiceServices, or otherwise authorize them to use including the Service, you are responsible for any and all Online Transactions that the party(ies) makes from your Account, even if it exceeds your authorization. Subject to the terms of following:  Alerts: As further described in this Agreement, we may follow and comply with any transfer instructions entered into the Service using the Security Procedures. You acknowledge and understand the importance of your role in preventing misuse of your Accounts through Online Banking. You agree that it is your sole responsibility to protect the confidentiality of your Bank provides optional Account and Account number(s), the Security Procedures, and your personal identification information, such as your driver’s license number and social security or tax identification number. You should not use a public computer to access Online Banking. You agree that if you access the Service from a computer other than your own (such as a public computer terminal at a library or Internet café), you will not register the public computer and you will not leave the computer unattended while using the Service. You also agree that, in such situations, you will always end your session using the Service by clicking on the LOG OFF button. We will not be liable to you for any losses that may result from your failure to follow these security provisions. You understand that personal identification information, by itself or together alerts associated with information related to your Account(s), may allow unauthorized entry and access to your Account. Data transferred via Online Banking is encrypted in an effort to provide transmission security, and Online Banking utilizes identification technology to verify that the sender and receiver certain modules of Online Banking transmissions can be appropriately identified by each otherand the Mobile Banking Service that you may elect to use. We will never email you to request your Login ID and password or your personal Account information over the Internet. If you suspect that an unsolicited email of this nature is fraudulent, please contact us. FEES AND CHARGES You agree to pay the fees and charges for your use of the Service as set forth in the Fee Schedule as it Alerts may be amended from time set up to time with notice to notify you as required by Applicable Lawof key Online Banking transactions or when other important activity has occurred. You agree to pay any Additional details about Online Banking alerts are available at the Online Banking Service website and all additional charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Online Bankingassociated web pages.

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password, password and other security procedures, as further described in this Agreement and in our “Online Banking Security Procedures Disclosure” as provided to you upon enrollment in Online Banking below and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. You understand that the The following Security Procedures include “enhanced apply to access by all customers, except as otherwise expressly provided, to Inwood National Bank’s Online Banking Service, including the Mobile Banking Service feature of Online Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online Banking Service customers: Login ID: This is the electronic identification (in letters, numerals and special characters) associated with each user of the Online Banking Service that will be used for log-in. Password: Each user of the Online Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including but not limited to minimum and maximum length and types of characters, as further described in the Online Banking system. Each user is required to change his or her individual password from time to time for security purposes and on a frequency established by the Bank. Login IDs and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Online Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in security” to access Online Banking and perform certain transactions as described in this Agreementfor each user. Enhanced log-in security incorporates a an additional multi-part credential for each user of Online Banking that is in addition to Login IDs and password security. It incorporates an additional factor(s) of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies cookies, flash objects, and one-time passcodespass-codes. The enhanced log-in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codescodes that may be required from time to time at log-in. Additional required and/or optional Security Procedures These log-in pass-codes may apply be delivered to users via email or such other method as Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you and/or during enrollment in the Mobile Banking Service to different be used for certain Online Banking featuresService activities and transactions initiated using a Mobile Device, including but not limited to Bill Payment Service transactions. Any such additional required and/or optional Security Procedures will be described in this Agreement and/ or our Minimum System Requirements: Online Banking Security Procedures Disclosureis designed to operate using the latest operating system and browser combinations. We will execute authenticated transfers or transactions that It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.xxxxxxxxxx.xxx are the minimum requirements necessary to ensure a positive experience while using Online Banking. Those requirements are in conformity with all Security Procedures and other addition to the Computer requirements set forth in this Agreement. We may require additional authentication of any transfer or transaction request. We reserve the right to reject a transfer or transaction request that cannot be properly authenticated. Except as is more fully discussed described in this Agreement, you understand and agree that you are responsible for all transfers the recommendations available at the Online Banking Service website and payments made through associated web pages, including but not limited to the Service using following: • update the Computer operating system • keep the browser current • install anti-virus software and anti-spyware software • change passwords on a regular basis • do not click links inside spam email, especially emails claiming to offer anti-spyware software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Banking. You also acknowledge and agree that if you permit another party(ies) to The Bank strongly recommends the use the of these additional Security Procedures to access help deter and protect against unauthorized transactions associated with the ServiceServices, or otherwise authorize them to use including the Service, you are responsible for any and all Online Transactions that the party(ies) makes from your Account, even if it exceeds your authorization. Subject to the terms of following: • Alerts: As further described in this Agreement, we may follow and comply with any transfer instructions entered into the Service using the Security Procedures. You acknowledge and understand the importance of your role in preventing misuse of your Accounts through Online Banking. You agree that it is your sole responsibility to protect the confidentiality of your Bank provides optional Account and Account number(s), the Security Procedures, and your personal identification information, such as your driver’s license number and social security or tax identification number. You should not use a public computer to access Online Banking. You agree that if you access the Service from a computer other than your own (such as a public computer terminal at a library or Internet café), you will not register the public computer and you will not leave the computer unattended while using the Service. You also agree that, in such situations, you will always end your session using the Service by clicking on the LOG OFF button. We will not be liable to you for any losses that may result from your failure to follow these security provisions. You understand that personal identification information, by itself or together alerts associated with information related to your Account(s), may allow unauthorized entry and access to your Account. Data transferred via Online Banking is encrypted in an effort to provide transmission security, and Online Banking utilizes identification technology to verify that the sender and receiver certain modules of Online Banking transmissions can be appropriately identified by each otherand the Mobile Banking Service that you may elect to use. We will never email you to request your Login ID and password or your personal Account information over the Internet. If you suspect that an unsolicited email of this nature is fraudulent, please contact us. FEES AND CHARGES You agree to pay the fees and charges for your use of the Service as set forth in the Fee Schedule as it Alerts may be amended from time set up to time with notice to notify you as required by Applicable Lawof key Online Banking transactions or when other important activity has occurred. You agree to pay any Additional details about Online Banking alerts are available at the Online Banking Service website and all additional charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Online Bankingassociated web pages.

AND OTHER SECURITY PROCEDURES. You will be required to use a Login ID assigned to or selected by you, as well as a password selected by you, each time you log-in to use Online Banking. You agree that we may rely on your Login ID, password, password and other security procedures, as further described in this Agreement and in our “Online Banking Security Procedures Disclosure” as provided to you upon enrollment in Online Banking below and as we may modify in our sole and exclusive discretion from time to time, to identify and authenticate you when you use the Service (hereinafter, collectively the “Security Procedures”). You agree to protect the Security Procedures to prevent unauthorized use. You understand that the The following Security Procedures include “enhanced apply to access by all customers, except as otherwise expressly provided, to State Bank’s Online Banking Service, including the Mobile Banking Service feature of Online Banking. The Bank may issue new Security Procedures and/or cancel or change any Security Procedures from time to time. Except as may otherwise be noted, the following Security Procedures are required for all Online Banking Service customers: Login ID: This is the electronic identification (in letters, numerals and special characters) associated with each user of the Online Banking Service that will be used for log-in. Password: Each user of the Online Banking Service will also be required to have a unique password known only to the user. Passwords are case-sensitive and must meet certain requirements including but not limited to minimum and maximum length and types of characters, as further described in the Online Banking system. Each user is required to change his or her individual password from time to time for security purposes and on a frequency established by the Bank. Login IDs and individual passwords may not be shared with any other person or entity. Enhanced Log-in Security: In addition to the above individual Login IDs and passwords, access to the Online Banking Service includes, as part of the security procedures, a multi-factor authentication security procedure at log-in security” to access Online Banking and perform certain transactions as described in this Agreementfor each user. Enhanced log-in security incorporates a an additional multi-part credential for each user of Online Banking that is in addition to Login IDs and password security. It incorporates an additional factor(s) of identity authentication that may include, but is not limited to, additional log-in security features such as security cookies cookies, flash objects, and one-time passcodespass-codes. The enhanced log-log- in security will require each user of Online Banking to establish and utilize, in addition to individual Login IDs and passwords, his/her own individual authentication by selecting a preferred out-of-band delivery channel for one-time pass-codescodes that may be required from time to time at log-in. Additional required and/or optional Security Procedures These log-in pass-codes may apply be delivered to users via email or such other method as Bank may offer from time to time, including but not limited to delivery to a designated phone or Mobile Device, as applicable, either by voicemail or SMS text. Mobile Authorization Code: This is a four-digit numeric code (like an ATM PIN) that is set-up by you and/or during enrollment in the Mobile Banking Service to different be used for certain Online Banking featuresService activities and transactions initiated using a Mobile Device, including but not limited to Xxxx Payment Service transactions. Any such additional required and/or optional Security Procedures will be described in this Agreement and/ or our Minimum System Requirements: Online Banking Security Procedures Disclosureis designed to operate using the latest operating system and browser combinations. We will execute authenticated transfers or transactions that It is important for you to keep your Computer’s operating system and browser version current to ensure maximum security and user experience. The operating systems and browsers listed at xxx.XxxxxXxxxXxxxxxxxx.xxx are the minimum requirements necessary to ensure a positive experience while using Online Banking. Those requirements are in conformity with all Security Procedures and other addition to the Computer requirements set forth in this Agreement. We may require additional authentication of any transfer or transaction request. We reserve the right to reject a transfer or transaction request that cannot be properly authenticated. Except as is more fully discussed described in this Agreement, you understand and agree that you are responsible for all transfers the recommendations available at the Online Banking Service website and payments made through associated web pages, including but not limited to the Service using following:  update the Computer operating system  keep the browser current  install anti-virus software and anti-spyware software  change passwords on a regular basis  do not click links inside spam email, especially emails claiming to offer anti-spyware software Additional Strongly Recommended Security Procedures: From time to time and as applicable, the Bank may make available additional Security Procedures for use with Online Banking. You also acknowledge and agree that if you permit another party(ies) to The Bank strongly recommends the use the of these additional Security Procedures to access help deter and protect against unauthorized transactions associated with the ServiceServices, or otherwise authorize them to use including the Service, you are responsible for any and all Online Transactions that the party(ies) makes from your Account, even if it exceeds your authorization. Subject to the terms of following:  Alerts: As further described in this Agreement, we may follow and comply with any transfer instructions entered into the Service using the Security Procedures. You acknowledge and understand the importance of your role in preventing misuse of your Accounts through Online Banking. You agree that it is your sole responsibility to protect the confidentiality of your Bank provides optional Account and Account number(s), the Security Procedures, and your personal identification information, such as your driver’s license number and social security or tax identification number. You should not use a public computer to access Online Banking. You agree that if you access the Service from a computer other than your own (such as a public computer terminal at a library or Internet café), you will not register the public computer and you will not leave the computer unattended while using the Service. You also agree that, in such situations, you will always end your session using the Service by clicking on the LOG OFF button. We will not be liable to you for any losses that may result from your failure to follow these security provisions. You understand that personal identification information, by itself or together alerts associated with information related to your Account(s), may allow unauthorized entry and access to your Account. Data transferred via Online Banking is encrypted in an effort to provide transmission security, and Online Banking utilizes identification technology to verify that the sender and receiver certain modules of Online Banking transmissions can be appropriately identified by each otherand the Mobile Banking Service that you may elect to use. We will never email you to request your Login ID and password or your personal Account information over the Internet. If you suspect that an unsolicited email of this nature is fraudulent, please contact us. FEES AND CHARGES You agree to pay the fees and charges for your use of the Service as set forth in the Fee Schedule as it Alerts may be amended from time set up to time with notice to notify you as required by Applicable Lawof key Online Banking transactions or when other important activity has occurred. You agree to pay any Additional details about Online Banking alerts are available at the Online Banking Service website and all additional charges for services you request which are not covered by this Agreement. You are also responsible for telephone and Internet service fees you incur in connection with your use of Online Bankingassociated web pages.