Common use of User Credentials Clause in Contracts

User Credentials. Each individual with an ownership capacity in an Earlham Savings Bank account may enroll separately to access EBANK’s online banking service. This includes each individual named on a joint account. Online banking credentials should never be shared. You agree that sharing this information with other constitutes your authorization for any transactions that occur through our online banking service including any transactions that may be unintentional or inadvertent, and you will be responsible for any losses, charges, or penalties incurred as a result. In addition, except as otherwise provided in this Agreement, you are responsible for transactions by unauthorized persons using your Access ID and Password. You are encouraged to change your password periodically to enhance security or anytime you feel your security may have been compromised. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your online banking credentials, you can lose no more than $50 if someone used your online banking credentials without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your online banking credentials, and we can prove we could have stopped someone from accessing your online banking account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or made available to you, you may not get back any money lost after sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your online banking credentials have been stolen or that someone has transferred or may transfer money from your account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇ or write us at Earlham Savings Bank, ▇▇▇▇ ▇▇▇▇ ▇▇▇▇▇, ▇▇▇▇ ▇▇▇ ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN USER CODES OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL OR SECURE MESSAGING. We reserve the right to block your access to EBANK’s online banking service to maintain or restore security to our web site and systems, if we reasonably believe your online banking credentials have been or may be obtained, are being used, or may be used by an unauthorized person(s).

User Credentials. Each individual with an ownership capacity in an Earlham Savings a First State Bank account may enroll separately to access EBANKFSB’s online banking service. This includes each individual named on a joint account. Online banking credentials should never be shared. You agree that sharing this information with other constitutes your authorization for any transactions that occur through our online banking service including any transactions that may be unintentional or inadvertent, and you will be responsible for any losses, charges, or penalties incurred as a result. In addition, except as otherwise provided in this Agreement, you are responsible for transactions by unauthorized persons using your Access ID and Password. You are encouraged to change your password periodically to enhance security or anytime you feel your security may have been compromised. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). If you tell us within two (2) business days after you learn of the loss or theft of your online banking credentials, you can lose no more than $50 if someone used your online banking credentials without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your online banking credentials, and we can prove we could have stopped someone from accessing your online banking account without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed or made available to you, you may not get back any money lost after sixty (60) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we will extend the time periods. If you believe your online banking credentials have been stolen or that someone has transferred or may transfer money from your account without your permission, call (▇▇▇) -▇▇▇-▇▇▇▇ or write us at Earlham Savings First State Bank, ▇▇ ▇▇▇ ▇▇▇, ▇▇▇ ▇ ▇▇▇▇▇, ▇▇▇▇ ▇▇▇ , ▇▇▇▇▇▇, ▇▇▇▇ ▇▇▇▇▇. You should also call the number or write this address if you believe a transfer has been made using the information from your check without your permission. WE CANNOT ACCEPT NOTIFICATION OF LOST OR STOLEN USER CODES OR PASSWORDS OR UNAUTHORIZED TRANSFERS VIA E-MAIL OR SECURE MESSAGING. We reserve the right to block your access to EBANKFSB’s online banking service to maintain or restore security to our web site and systems, if we reasonably believe your online banking credentials have been or may be obtained, are being used, or may be used by an unauthorized person(s).