Common use of User IDs and Passwords Clause in Contracts

User IDs and Passwords. One of the main security features protecting the Online Banking Service is the unique combination of your User ID and Password. During the enrollment process, you will be asked to select a unique User ID and Password. For security purposes, do not use your account number or social security number as your User ID. Encryption and access controls are used to protect your Password within our database. We will not have access to this information. If you need to reset your Password, you may use one of our online, automated Password reset features: Forgot your password? on the Sign in page or Password within the Customer Service Index, or you may contact the Financial Institution for assistance. Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. • You should carefully select a Password that is difficult to guess. • You should not use words based on your name, address, or other personal information. • Special characters may be used to increase security. • Do NOT use dictionary words. • Keep your Password safe. • Memorize your Password and do NOT write it down. • You should also change your Password occasionally, such as every 90 days. • Passwords should not be shared with anyone, even Authorized Users. When you enroll for the Online Banking Service you agree to change your Password immediately if you suspect that your Password has been compromised. This can be done at any time from the Customer Service index after you log on to the Online Banking Service. NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU BY TELEPHONE, EMAIL OR TEXT MESSAGING REQUESTING PERSONAL INFORMATION, SUCH AS YOUR USER ID, PASSWORD, CREDIT CARD NUMBER, ATM CARD NUMBER OR ATM PIN. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS TYPE OF INFORMATION, DO NOT PROVIDE ANY INFORMATION AND CONTACT US IMMEDIATELY AT (000)000-0000.

User IDs and Passwords. One of the main security features protecting the Online Banking Service is the unique combination of your User ID and Password. During the enrollment process, you will be asked to select a unique User ID and Password. For security purposes, do not use your account number or social security number as your User ID. Encryption and access controls are used to protect your Password within our database. We will not have access to this information. If you need to reset your Password, you may use one of our online, automated Password reset features: Forgot your password? on the Sign in page or Password within the Customer Service Index, or you may contact the Financial Institution for assistance. Because your Password is used to access your accounts, you should treat it as you would any other sensitive personal data. • You should carefully select a Password that is difficult to guess. • You should not use words based on your name, address, or other personal information. • Special characters may be used to increase security. • Do NOT use dictionary words. • Keep your Password safe. • Memorize your Password and do NOT write it down. • You should also change your Password occasionally, such as every 90 days. • Passwords should not be shared with anyone, even Authorized Users. When you enroll for the Online Banking Service you agree to change your Password immediately if you suspect that your Password has been compromised. This can be done at any time from the Customer Service index after you log on to the Online Banking Service. NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU BY TELEPHONE, EMAIL OR TEXT MESSAGING REQUESTING PERSONAL INFORMATION, SUCH AS YOUR USER ID, PASSWORD, CREDIT CARD NUMBER, ATM CARD NUMBER OR ATM PIN. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS TYPE OF INFORMATION, DO NOT PROVIDE ANY INFORMATION AND CONTACT US IMMEDIATELY AT (000)000855)365-0000RELY.

User IDs and Passwords. One of the main security features protecting the Online Banking Service is the unique combination of your User ID and Password. During the enrollment process, you will be asked to select create a unique User ID and a Password that will be used to gain access to the Service. You determine your own Password, which is encrypted in our database. Neither the Bank nor any of its Service Providers have access to your Password. For security purposesAfter five (5) unsuccessful login attempts we will deactivate your Service. You may reset your Password utilizing the Service. You may also contact us for assistance in resetting your Password. You agree not to give or make available your User ID or Password or other means to access your Account or the Services to any unauthorized individuals. You are responsible for any and all payments you or an Authorized Representative make using the Service. If you (i) permit any other persons (for example, a member of your household) to use the Service or to use your User ID or Password, (ii) disclose, provide or otherwise make available your User ID or Password to any other person, or (iii) provide or permit any other person any other means to access your Account, you are responsible for any transactions they authorize which shall be deemed authorized by you. You are solely responsible for keeping your User ID and Password and account information confidential. In order to protect yourself against fraud, you should adhere to the following guidelines: ▪ Do not give out your Account information, Password, or User ID; ▪ Do not leave your computer or Mobile Device unattended while you are logged on Bank's Online Banking site or Mobile Banking application; ▪ Never leave your Account information within range of others; ▪ Do not send privileged Account information (account number, User ID, Password, etc.) in any public or unsecured email system. You should change your password frequently, such as every 90 days; ▪ A Password should be changed immediately if you suspect that your password has been compromised. This can be done at any time by logging on to the Service. Neither Bank nor its Service Providers will contact you via telephone or email requesting personal information, your User ID, or your Password. If you are contacted by anyone requesting this information, please do not use provide them any information and contact us immediately. If you believe your account number Password has been lost or social security number stolen, or if you suspect any fraudulent activity on your account, immediately change your Password and then contact the Bank by one of the following: ▪ Sending us a secure message through the Service; ▪ Contact a Bank representative by calling us at 000-000-0000 Telephoning is the best way of minimizing your losses and liability. The following procedures should be strictly followed in maintaining and selecting your Password: ▪ Password must be at least 8 characters long; ▪ Password must contain at least two upper and lower alpha characters, two numeric and a special character (such as !, @, #, $) ▪ Password cannot be the same as your User ID. Encryption and access controls ; ▪ Longer Passwords are used to protect your Password within our database. We will not have access to this information. If you need to reset your Password, you may use one of our online, automated Password reset features: Forgot your password? on the Sign in page or Password within the Customer Service Index, or you may contact the Financial Institution for assistance. more secure; ▪ Because your Password is used to access your accountsEligible Account(s), you should treat it as you would any other sensitive personal data. • , ▪ You should carefully select a Password that is difficult hard to guess. • ; ▪ You should not use words or numbers based on your name, address, social security number, birth date, or other personal information. • Special characters may be used to increase security. • Do ; ▪ DO NOT use words that appear in the dictionary wordsfor your Password. • Keep your Password safeThey are easy to guess. • ▪ Memorize your Password password and do DO NOT write it down. • You should also change We make fingerprint or touch identification and facial recognition available for your use as credentials in accessing Online Banking through the Mobile Banking application in lieu of your User ID and Password occasionally(each a “Biometric Access Credential”). If you elect to use a Biometric Access Credential, such as every 90 daysyou do so at your own risk. • Passwords If you enable a Biometric Access Credential, you acknowledge and agree that anyone whose fingerprint or face is stored on your Mobile Device may use the device to access your Accounts through Online Banking. If you have another person’s fingerprint or face stored on your Mobile Device, you should not enable any of the Biometric Access Credentials in the mobile application for use in accessing Online Banking through your Mobile Device. You may disable access to Online Banking using a Biometric Access Credential by updating your Settings in the Mobile Online Banking section. The Bank does not access, store, control, or verify your Biometric Access Credential. This is a feature of certain Mobile Devices and not a feature of Online Banking. Fingerprints and face data are stored and used solely on your Mobile Device. We are not responsible for any of your losses or damages arising out of unauthorized access to Services or any of your Accounts through the use of a Biometric Access Credential. If at any time Online Banking access through a Biometric Access Credential is not working or is otherwise unavailable, you agree that you will be shared with anyone, even Authorized Usersrequired to access Online Banking by other means. When If you enroll for have the Online Banking Service mobile application on your Mobile Device, whether or not you agree to change your Password use a Biometric Access Credential, you must notify us immediately if your Mobile Device is lost or stolen, if an unauthorized person may have access to your User ID or Password, or if you suspect that have changed your Password has been compromisedMobile Device number. This can be done at any time from We reserve the Customer Service index after you log on right to the remotely disable your Online Banking Service. NEITHER THIS INSTITUTION NOR ITS SERVICE PROVIDERS WILL CONTACT YOU BY TELEPHONEcredentials in order to protect against theft, EMAIL OR TEXT MESSAGING REQUESTING PERSONAL INFORMATIONfraud, SUCH AS YOUR USER ID, PASSWORD, CREDIT CARD NUMBER, ATM CARD NUMBER OR ATM PIN. IF YOU ARE CONTACTED BY ANYONE REQUESTING THIS TYPE OF INFORMATION, DO NOT PROVIDE ANY INFORMATION AND CONTACT US IMMEDIATELY AT (000)000-0000and other losses.