Common use of Software and Operating System Clause in Contracts

Software and Operating System. You also agree that you have adequate access to a computer or mobile phone with sufficient internet connectivity to conduct these transactions online. You acknowledge that you meet the hardware and software requirements to access this Service as described below. The requirements for accessing our online systems to use this Service and access disclosures are as follows: You must use a computer or smart phone to use this Service. You must have a device that uses a supported version of one of the following browsers: Internet Explorer, Firefox, Chrome, or Safari. You may also use a mobile phone application developed for this Service if your mobile phone supports it. You are responsible for installation, maintenance, and operation of devices used to access this Service. BANK is not responsible for errors, failures, or malfunctions of any device used or attempted to be used for access to this Service. BANK is also not responsible for viruses or related problems associated with use of these online systems. If we revise hardware and software requirements and if there is a material chance that impacts your ability to access the Service, we will give you advance notice of these changes and provide you an opportunity to cancel the service and/or change your method of receiving disclosures (e.g., change to paper format vs. and electronic format) without the imposition of fees. Privacy and User Information You acknowledge that Bank and any associated Service Providers (“Service Providers”) may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information from you or other sources (collectively “User Information”). Bank and Service Providers reserve the right to use and disclose User Information as reasonably necessary to deliver the Service to you and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Bank and Service Providers also reserve the right to monitor use of the Service for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content. It is our policy to treat your account information as confidential. However, we encourage you to review our Privacy Policy to understand more. To view the Citizens Bank Privacy Policy, please go to: ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/Pages/privacy-policy.html Restrictions on Use You agree not to use the Service for any illegal, fraudulent, unauthorized or improper manner or purpose. You agree to comply with all applicable laws, rules and regulations. You agree not to attempt to: (a) access any systems or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of the Service, the security of the Service or the Service’s systems; or (d) interfere with other customers or otherwise abuse the Service or the Service’s systems. Security and Authentication Method Bank may require communications and instructions from you to be provided using a user ID, password, test key 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: (a) protect your computer or mobile device against loss, theft or unauthorized use; (b) protect your computer or mobile device against viruses, key loggers, malware and other unwanted functionalities; and (c) follow any security guidance that Bank provides from time to time. You should not use your computer of mobile device on an unsecured network (such as public Wi-Fi) and must not leave your mobile device unattended while logged into the Service; you should close the online Banking application when you are not using it. You agree to notify Bank immediately if your mobile device is lost or stolen or if you believe the security of your Authentication Method has been compromised. FAILURE TO PROTECT YOUR MOBILE DEVICE OR YOUR AUTHENTICATION METHOD MAY RESULT IN SOMEONE ELSE ACCESSING THE SERVICE OR YOUR ACCOUNT 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.

Software and Operating System. You also agree that you have adequate access to a computer or mobile phone with sufficient internet connectivity to conduct these transactions online. You acknowledge that you meet the hardware and software requirements to access this Service as described below. The requirements for accessing our online systems to use this Service and access disclosures are as follows: You must use a computer or smart phone to use this Service. You must have a device that uses a supported version of one of the following browsers: Internet ExplorerEdge, Firefox, Chrome, or Safari. You may also use a mobile phone application developed for this Service if your mobile phone supports it. You are responsible for installation, maintenance, and operation of devices used to access this Service. BANK Bank is not responsible for errors, failures, or malfunctions of any device used or attempted to be used for access to this Service. BANK Bank is also not responsible for viruses or related problems associated with use of these online systems. If we revise hardware and software requirements and if there is a material chance that impacts your ability to access the Service, we will give you advance notice of these changes and provide you an opportunity to cancel the service and/or change your method of receiving disclosures (e.g., change to paper format vs. and electronic format) without the imposition of fees. Privacy and User Information You acknowledge that Bank and any associated Service Providers (“Service Providers”) may receive names, domain names, addresses, passwords, telephone and device numbers, the content of messages, data files and other data and information from you or other sources (collectively “User Information”). Bank and Service Providers reserve the right to use and disclose User Information as reasonably necessary to deliver the Service to you and as otherwise permitted by law, including compliance with court orders or lawful instructions from a government agency, to protect the personal safety of subscribers or the public, to defend claims, and as otherwise authorized by you. Bank and Service Providers also reserve the right to monitor use of the Service for purposes of verifying compliance with the law, these terms and conditions and any applicable license, but disclaim any obligation to monitor, filter, or edit any content. It is our policy to treat your account information as confidential. However, we encourage you to review our Privacy Policy to understand more. To view the Citizens Bank Privacy Policy, please go to: ▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/Pages/privacy-policy.html Restrictions on Use You agree not to use the Service for any illegal, fraudulent, unauthorized or improper manner or purpose. You agree to comply with all applicable laws, rules and regulations. You agree not to attempt to: (a) access any systems or services for which your use has not been authorized; or (b) use or attempt to use a third party’s account; or (c) interfere in any manner with the provision of the Service, the security of the Service or the Service’s systems; or (d) interfere with other customers or otherwise abuse the Service or the Service’s systems. Security and Authentication Method Bank may require communications and instructions from you to be provided using a user ID, password, test key 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: (a) protect your computer or mobile device against loss, theft or unauthorized use; (b) protect your computer or mobile device against viruses, key loggers, malware and other unwanted functionalities; and (c) follow any security guidance that Bank provides from time to time. You should not use your computer of mobile device on an unsecured network (such as public Wi-Fi) and must not leave your mobile device unattended while logged into the Service; you should close the online Banking application when you are not using it. You agree to notify Bank immediately if your mobile device is lost or stolen or if you believe the security of your Authentication Method has been compromised. FAILURE TO PROTECT YOUR MOBILE DEVICE OR YOUR AUTHENTICATION METHOD MAY RESULT IN SOMEONE ELSE ACCESSING THE SERVICE OR YOUR ACCOUNT IN YOUR NAME. You are may be liable for some/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.