Common use of User Authentication Clause in Contracts

User Authentication. The first time you access Online Banking, you will be asked to enter a security code. To obtain this code, select an accessible phone number from the list displayed on your screen and select whether you would prefer a text or a phone call. If you have chosen a text, enter the code that you receive via text into the appropriate field on your computer. If you have chosen a phone call, read or enter the code on your computer screen when prompted. If you fail to see your telephone numbers on the list, please make sure you have entered your User ID correctly. If re-entering your User ID doesn't solve the problem, please call your Surrey Bank & Trust branch for assistance. Your current phone number(s) may not be in our system. You will be required to re-enter the security code periodically. Once you have logged into Online Banking successfully, you may log into the Surrey Bank Mobile app using your Online Banking User ID and password. You must also enter a security code the first time you log into Mobile Banking on your phone and/or tablet. We must have your correct mobile number in our files. You will receive a text after entering your User ID and password into the app. Once you have logged in successfully on your mobile phone, you will be prompted to set up Touch ID, facial recognition, or a six-digit passcode. Mobile Banking users who fail to login successfully three times are locked out of the Mobile Banking app for 24 hours. Processing Times Any transfer, loan payment or loan advance initiated in Online Banking prior to 5 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All transactions completed after 5 p.m. (Eastern Time), or on a non- business day, will be posted the following banking day. Our Bill Pay service will process variable payments on the business day (Monday through Friday, except holidays) you designate, provided that the payment instructions are received prior to the Bill Pay Service cut-off time, which is currently 5 p.m. (Eastern Time). Variable bill payment requests received after the cut-off time or at any time on a non-business day will be processed on the next business day. Any Mobile Deposit submitted prior to 4 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All deposits submitted after 4 p.m. (Eastern Time), or on a non-business day, will be posted the following banking day. Incoming or outgoing Zelle® transactions initiated before 3 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) post to your account the same day. Transactions initiated after cut-off time or at any time on a non-business day will be processed on the next business day. Recurring transactions with processing dates on the 28th through the 31st of the month will be processed on the last business day of the month. Otherwise, recurring transactions will be processed on the dates you have designated. If that date falls on a non-business day, your transaction will be processed on the next business day. Surrey Bank & Trust reserves its right to change the cut-off time by giving you notice of such changes.

User Authentication. The first time you access Online Banking, you will be asked to enter a security code. To obtain this code, select an accessible phone number from the list displayed on your screen and select whether you would prefer a text or a phone call. If you have chosen a text, enter the code that you receive via text into the appropriate field on your computer. If you have chosen a phone call, read or enter the code on your computer screen when prompted. If you fail to see your telephone numbers on the list, please make sure you have entered your User ID correctly. If re-entering your User ID doesn't n’t solve the problem, please call your Surrey Bank & Trust branch for assistance. Your current phone number(s) may not be in our system. You will be required to re-enter the security code periodically. Once you have logged into Online Banking successfully, you may log into the Surrey Bank Mobile app using your Online Banking User ID and password. You must also enter a security code the first time you log into Mobile Banking on your phone and/or or tablet. We must have your correct mobile number in our files. You will receive a text after entering your User ID and password into the app. Once you have logged in successfully on your mobile phone, you will be prompted to set up Touch ID, facial recognition, or a six-digit passcode. Mobile Banking users who fail to login successfully three times are locked out of the Mobile Banking app for 24 hours. Processing Times Any transfer, loan payment or loan advance initiated in Online Banking prior to 5 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All transactions completed after 5 p.m. (Eastern Time), or on a non- non-business day, will be posted the following banking day. Our Bill Xxxx Pay service will process variable payments on the business day (Monday through Friday, except holidays) you designate, provided that the payment instructions are received prior to the Bill Xxxx Pay Service cut-off time, which is currently 5 p.m. (Eastern Time). Variable bill xxxx payment requests received after the cut-off time or at any time on a non-business day will be processed on the next business day. Any Mobile Deposit submitted prior to 4 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All deposits submitted after 4 p.m. (Eastern Time), or on a non-business day, will be posted the following banking day. Incoming or outgoing Zelle® transactions initiated before 3 3:30 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) post is posted to your account the same day. Transactions initiated after cut-off time or at any time on a non-business day will be processed on the next business day. Recurring transactions with processing dates on the 28th through the 31st of the month will be processed on the last business day of the month. Otherwise, recurring transactions will be processed on the dates you have designated. If that date falls on a non-business day, your transaction will be processed on the next business day. Surrey Bank & Trust reserves its right to change the cut-off time by giving you notice of such changes.

User Authentication. The first time you access Online Banking, you will be asked to enter a security code. To obtain this code, select an accessible phone number from the list displayed on your screen and select whether you would prefer a text or a phone call. If you have chosen a text, enter the code that you receive via text into the appropriate field on your computer. If you have chosen a phone call, read or enter the code on your computer screen when prompted. If you fail to see your telephone numbers on the list, please make sure you have entered your User ID correctly. If re-entering your User ID doesn't solve the problem, please call your Surrey Bank & Trust branch for assistance. Your current phone number(s) may not be in our system. You will be required to re-enter the security code periodically. Once you have logged into Online Banking successfully, you may log into the Surrey Bank Mobile app using your Online Banking User ID and password. You must also enter a security code the first time you log into Mobile Banking on your phone and/or or tablet. We must have your correct mobile number in our files. You will receive a text after entering your User ID and password into the app. Once you have logged in successfully on your mobile phone, you will be prompted to set up Touch ID, facial recognition, or a six-digit passcode. Mobile Banking users who fail to login successfully three times are locked out of the Mobile Banking app for 24 hours. Processing Times Any transfer, loan payment or loan advance initiated in Online Banking prior to 5 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All transactions completed after 5 p.m. (Eastern Time), or on a non- non-business day, will be posted the following banking day. Our Bill Xxxx Pay service will process variable payments on the business day (Monday through Friday, except holidays) you designate, provided that the payment instructions are received prior to the Bill Xxxx Pay Service cut-off time, which is currently 5 p.m. (Eastern Time). Variable bill xxxx payment requests received after the cut-off time or at any time on a non-business day will be processed on the next business day. Any Mobile Deposit submitted prior to 4 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All deposits submitted after 4 p.m. (Eastern Time), or on a non-business day, will be posted the following banking day. Incoming or outgoing Zelle® transactions initiated before 3 3:30 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) post is posted to your account the same day. Transactions initiated after cut-off time or at any time on a non-business day will be processed on the next business day. Recurring transactions with processing dates on the 28th through the 31st of the month will be processed on the last business day of the month. Otherwise, recurring transactions will be processed on the dates you have designated. If that date falls on a non-business day, your transaction will be processed on the next business day. Surrey Bank & Trust reserves its right to change the cut-off time by giving you notice of such changes.

User Authentication. The first time you access Online Banking, you will be asked to enter a security code. To obtain this code, select an accessible phone number from the list displayed on your screen and select whether you would prefer a text or a phone call. If you have chosen a text, enter the code that you receive via text into the appropriate field on your computer. If you have chosen a phone call, read or enter the code on your computer screen when prompted. If you fail to see your telephone numbers on the list, please make sure you have entered your User ID correctly. If re-entering your User ID doesn't solve the problem, please call your Surrey Bank & Trust branch for assistance. Your current phone number(s) may not be in our system. You will be required to re-enter the security code periodically. Once you have logged into Online Banking successfully, you may log into the Surrey Bank Mobile app using your Online Banking User ID and password. You must also enter a security code the first time you log into Mobile Banking on your phone and/or tablet. We must have your correct mobile number in our files. You will receive a text after entering your User ID and password into the app. Once you have logged in successfully on your mobile phone, you will be prompted to set up Touch ID, facial recognition, or a six-digit passcode. Mobile Banking users who fail to login successfully three times are locked out of the Mobile Banking app for 24 hours. Processing Times Any transfer, loan payment or loan advance initiated in Online Banking prior to 5 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All transactions completed after 5 p.m. (Eastern Time), or on a non- non-business day, will be posted the following banking day. Our Bill Pay service will process variable payments on the business day (Monday through Friday, except holidays) you designate, provided that the payment instructions are received prior to the Bill Pay Service cut-off time, which is currently 5 p.m. (Eastern Time). Variable bill payment requests received after the cut-off time or at any time on a non-business day will be processed on the next business day. Any Mobile Deposit submitted prior to 4 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) is posted to your account the same day. All deposits submitted after 4 p.m. (Eastern Time), or on a non-business day, will be posted the following banking day. Incoming or outgoing Zelle® transactions initiated before 3 p.m. (Eastern Time) on a business day (Monday through Friday, excluding legal holidays) post to your account the same day. Transactions initiated after cut-off time or at any time on a non-business day will be processed on the next business day. Recurring transactions with processing dates on the 28th through the 31st of the month will be processed on the last business day of the month. Otherwise, recurring transactions will be processed on the dates you have designated. If that date falls on a non-business day, your transaction will be processed on the next business day. Surrey Bank & Trust reserves its right to change the cut-off time by giving you notice of such changes.