Common use of Authentication Method Clause in Contracts

Authentication Method. Bank may require communications and instructions from you to be provided using a User ID, password, test key, answers to challenge questions, and/or other code or authentication method (referred to herein collectively as your “Authentication Method”). You agree that Bank is entitled to act upon any communications or instructions Bank receives under your Authentication Method. You agree to take appropriate steps to ensure that all components of your Authentication Method are protected and kept confidential. You also agree to: (i) protect your computers and devices against loss, theft or unauthorized use and access (thieves and hackers may try to access them); (ii) protect your computers and devices against viruses, key loggers, malware and other unwanted functionalities; and (iii) follow any security guidance that Bank provides from time to time. Visit Bank’s Security Center located at ▇▇▇▇▇://▇▇▇.▇▇.▇▇▇▇. Please consider using all the resources that are available to you. The resources Bank makes available are only offered on an AS IS basis. Bank does not guarantee those resources and is not responsible for any resource that is not effective in any particular situation. You agree not to use your computers or devices on an unsecured network (such as public WiFi) or from a location outside the United States and you agree not to leave your computers or devices unattended while logged into Online Banking (close Online Banking when you are not using it). You agree to notify Bank immediately if any of your computers or devices is lost or stolen or if you believe the security of your Authentication Method has been compromised. Except as required by applicable law, Bank does not accept responsibility for losses you suffer from unauthorized access to your computers and devices. FAILURE TO PROTECT YOUR COMPUTERS, DEVICES OR YOUR AUTHENTICATION METHOD MAY RESULT IN SOMEONE ELSE ACCESSING AND USING THE SERVICES OR YOUR ACCOUNTS IN YOUR NAME. You are liable for all transactions made or authorized with the use of your Authentication Method. Bank has no responsibility for establishing the identity of any person who uses your Authentication Method. You agree that if you give any component of your Authentication Method to anyone or fail to safeguard its secrecy, you will be in violation of your obligations to Bank. Any communications or instructions Bank receives from you using your Authentication Method shall be considered “in writing” and shall have the same force and legal effect as a writing signed by you. Additional Authentication Methods may also include biometric login. If available to you, this is an optional sign-in method for Online Banking that may be available for certain computers and devices that have a built-in biometric scanner. To use biometric login, you will need to first save your fingerprint/facial feature scan on your computer or device (for more help with biometric scanning, contact the manufacturer that supports your computer or device). Biometrics are stored on your computer or device only and Bank never sees or stores your biometric information. You acknowledge that by enabling biometric login, you will allow anyone who has biometric information stored on your computer or device access to your personal and payment account information available within Online Banking. Bank reserves the right to suspend or disable this feature at any time. Biometric login can only be associated with one Online Banking username at a time on a device. If your computer or device doesn’t recognize your biometric information, you can sign in using your standard login credentials (e.g., password). To use biometric login for Online Banking on multiple computers or devices, you will need to set it up for each computer or device. You can enable or disable biometric login anytime within Online Banking.