Common use of Virus Protection, Firewalls and Malicious Software Clause in Contracts

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computer. There are a number of means and mechanisms by which other persons may obtain information from your computer or trick you or other Users in order to gain control of your computer (or any computer used to access your accounts through BOB Advantage). Such unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on removable or network storage, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basis. Specifically, you may be unwittingly induced to install on your computer malicious software (“malware”), commonly referred to, among other names, as computer viruses, worms, trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware is installed on your computer, it is very difficult to detect using traditional antivirus software products running on the infected computer, and financial malware in particular is generally undetectable by all but a few antivirus products and often goes unnoticed until after unauthorized transactions have occurred. We protect our own network and systems with various security protocols, but are under no obligation to determine if your computer (or any computer by which you access BOB Advantage) is secure or if it is or may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware protection products of your choice to protect from, detect and remove any viruses and malware found. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially encourage you to exercise caution when using your computers for activities unrelated to accessing BOB Advantage. A virus on your computer that goes undetected or unrepaired may corrupt and destroy your programs, files and even your hardware and may result in unauthorized transactions from your accounts. If we do learn, or have reason to believe, your computer (or any computer you use to access BOB Advantage) is compromised and not secure, whether such possible or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage without prior notice to you. If, after suspending, canceling or limiting your access to BOB Advantage, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and previously scheduled transactions. You agree that we are not responsible for any viruses, firewalls, malware, or similar devices or programs that you may encounter when using BOB Advantage, or for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computer. There are a number of means and mechanisms by which other persons may obtain information from your computer or trick you or other ACH Users in order to gain control of your computer (or any computer used to access your accounts through BOB Advantageaccounts). Such unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on removable or network storage, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basis. Specifically, you may be unwittingly induced to install on your computer malicious software (“malware”), commonly referred to, among other names, as computer viruses, worms, trojan Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware is installed on your computer, it is very difficult to detect using traditional antivirus software products running on the infected computer, and financial malware in particular is generally undetectable by all but a few antivirus products and often goes unnoticed until after unauthorized transactions have occurred. We protect our own network and systems with various security protocols, but are under no obligation to determine if your computer (or any computer by which you access BOB Advantageyour accounts) is secure or if it is or may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware protection products of your choice to protect from, detect and remove any viruses and malware found. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially encourage you to exercise caution when using your computers for activities unrelated to accessing BOB Advantage. A virus on your computer that goes undetected or unrepaired may corrupt and destroy your programs, files and even your hardware and may result in unauthorized transactions from your accounts. If we We recommend, in summary, that you do learn, or have reason to believe, the following when using your computer (to originate ACH transactions and conduct other financial transactions: • Access your accounts on one or more computers dedicated exclusively to performing financial work on which only essential security and financial software is installed. If you chose not to dedicate one or more of your computers exclusively to performing financial work, we especially encourage you to exercise caution when using your computer for activities unrelated to performing financial work. • Do not access your accounts at Internet cafes and public WI-FI hotspots. • Secure the computer(s) used to originate ACH transactions in a restricted area, and limit access to these computer(s). • Monitor and reconcile your accounts regularly. • Use the Internet cautiously. • Notify us if you receive an online request to provide confidential information or data. • Take note of any computer strange or unusual messages or activity on your computer. • Use current virus, firewall and malware protection products on the computer(s) you use to access BOB Advantage) is compromised and not secure, whether such possible or actual compromise is detected by you or by us through perform financial work. • Rebuild your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage without prior notice to you. If, after suspending, canceling or limiting your access to BOB Advantage, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and previously scheduled transactionscomputer if it becomes infected. You agree that we are not responsible for any viruses, firewalls, malware, or similar devices or programs that you may encounter when using BOB Advantageaccessing your accounts, or for any unauthorized transactions resulting from these devices and programs. Businesses that routinely transfer funds electronically are often targeted by scammers and tricked into making transfers in either in the wrong amount or to a wrong or fictitious Receiver. This often occurs when the email system of the business is hacked, and an email message that appears genuine (purportedly from another company associate or a vendor) instructs the email recipient to originate a transfer. The directive is later discovered to be fraudulent. To protect yourself against this type of scam, confirm via a call to a pre-established telephone number that the email directing the transfer is authentic. Do not accept changes to transfer instructions via email. Do not rely on emails received through free email accounts, which typically have more security concerns than emails sent or received through private email servers. Be suspicious of any instructions that direct you to transfer funds to an account held in the name of an unknown Receiver or in an unexpected geographic location. Once funds are transferred, they are often difficult or impossible to retrieve, especially if the funds are transferred to a Receiver/RDFI in a foreign country.

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computercomputer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer or Mobile Device or trick you or other Users others in order to gain control of your computer (or any computer used to access your accounts Accounts through BOB Advantage)Online Banking. Such These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basissearches. Specifically, you may be unwittingly induced to install on your computer malicious software (“malware”"Malware"), commonly referred to, among other names, as computer viruses, worms, trojan Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malwareMalware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware Malware is installed on your computer, it is very difficult to detect using traditional antivirus software products running on the infected computer, and financial malware in particular . Financial Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols, protocols but are under no obligation to determine if your computer (any or any computer by which all of the computers or Mobile Devices you access BOB Advantage) is use are secure or if it is or they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware Malware protection products of your choice to protect from, detect and remove any viruses and malware Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially further encourage you to exercise caution when using your computers for activities unrelated to accessing BOB AdvantageOnline Banking. A virus on your computer that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your accountsAccounts. If we do learn, or have reason to believe, your computer (or any computer you or your authorized representatives use to access BOB Advantage) Online Banking is compromised and not secure, whether such possible that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage Online Banking without prior notice to you. If, after suspending, canceling or limiting your access to BOB AdvantageOnline Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and models, previously scheduled transfers of Xxxx Pay transactions. You agree that we are not responsible for any viruses, firewalls, malwareMalware, or similar devices or programs that you may encounter when using BOB AdvantageOnline Banking, or or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computercomputer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer or Mobile Device or trick you or other Users others in order to gain control of your computer (or any computer used to access your accounts Accounts through BOB Advantage)Online Banking. Such These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basissearches. Specifically, you may be unwittingly induced to install on your computer malicious software (“malware”"Malware"), commonly referred to, among other names, as computer viruses, worms, trojan Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malwareMalware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware Malware is installed on your computer, it is very difficult to detect using traditional antivirus software products running on the infected computer, and financial malware in particular . Financial Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols, protocols but are under no obligation to determine if your computer (any or any computer by which all of the computers or Mobile Devices you access BOB Advantage) is use are secure or if it is or they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware Malware protection products of your choice to protect from, detect and remove any viruses and malware Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially further encourage you to exercise caution when using your computers for activities unrelated to accessing BOB AdvantageOnline Banking. A virus on your computer that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your accountsAccounts. If we do learn, or have reason to believe, your computer (or any computer you use to access BOB Advantage) Online Banking is compromised and not secure, whether such possible that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage Online Banking without prior notice to you. If, after suspending, canceling or limiting your access to BOB AdvantageOnline Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and models, previously scheduled transfers of bill pay transactions, or links that allow you to aggregate your financial data into our Money Manager tools. You agree that we are not responsible for any viruses, firewalls, malwareMalware, or similar devices or programs that you may encounter when using BOB AdvantageOnline Banking, or or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computercomputer and Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer computer/Mobile Device or trick deceive you or other Users in order to gain control of your computer (or any computer computer/Mobile Device used to access your accounts Accounts through BOB Advantage)Digital Banking. Such These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on removable or network storage, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basissearches. Specifically, you may be unwittingly induced to install on your computer or Mobile Device malicious software (“malware”"Malware"), commonly referred to, among other names, as computer viruses, worms, trojan Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malwareMalware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware Malware is installed on your computercomputer or Mobile Device, it is very difficult to detect using traditional antivirus software products running on the infected computer/Mobile Device. Financial Malware, and financial malware in particular particular, is generally undetectable by all but a few antivirus products and often goes unnoticed until after unauthorized transactions have occurred. We protect our own network and systems with various security protocols, protocols but are under no obligation to determine if your computer (any or any computer by which all of the computers or Mobile Devices you access BOB Advantage) is use are secure or if it is or they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware Malware protection products of your choice to protect from, detect and remove any viruses and malware Malware found. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially further encourage you to exercise caution when using your computers or Mobile Devices for activities unrelated to accessing BOB AdvantageDigital Banking. A virus on your computer or Mobile Device that goes undetected or unrepaired may corrupt and destroy your programs, files and even your hardware and may result in unauthorized transactions from your accountsAccounts. If we do learn, or have reason to believe, your computer (or any computer or Mobile Device you use to access BOB Advantage) Digital Banking is compromised and not secure, whether such possible potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage Digital Banking without prior notice to you. If, after suspending, canceling canceling, or limiting your access to BOB AdvantageDigital Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and previously scheduled transactions. You agree that we are not responsible for any viruses, firewalls, malwareMalware, or similar devices or programs that you may encounter when using BOB AdvantageDigital Banking, or or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computercomputer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer or Mobile Device, or trick you or other Users others in order to gain control of your computer (or any computer used to access your accounts Accounts through BOB Advantage)Online Banking. Such These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basissearches. Specifically, you may be unwittingly induced to install on your computer malicious software (“malware”"Malware"), commonly referred to, among other names, as computer viruses, worms, trojan Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malwareMalware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware Malware is installed on your computer, it is very difficult to detect using traditional antivirus software products running on the infected computer, and financial malware in particular . Financial Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols, but are under no obligation to determine if your computer (any or any computer by which all of the computers or Mobile Devices you access BOB Advantage) is use are secure or if it is or they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware Malware protection products of your choice to protect from, detect and remove any viruses and malware Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially further encourage you to exercise caution when using your computers for activities unrelated to accessing BOB AdvantageOnline Banking. A virus on your computer that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your accountsAccounts. If we do learn, or have reason to believe, your computer (or any computer you use to access BOB Advantage) Online Banking is compromised and not secure, whether such possible that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage Online Banking without prior notice to you. If, after suspending, canceling or limiting your access to BOB AdvantageOnline Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and models, previously scheduled transfers of xxxx pay transactions, or links that allow you to aggregate your financial data into our Money Manager tools. You agree that we are not responsible for any viruses, firewalls, malwareMalware, or similar devices or programs that you may encounter when using BOB AdvantageOnline Banking, or or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computercomputer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer or Mobile Device, or trick you or other Users others in order to gain control of your computer (or any computer used to access your accounts Accounts through BOB Advantage)Online Banking. Such These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basissearches. Specifically, you may be unwittingly induced to install on your computer malicious software (“malware”"Malware"), commonly referred to, among other names, as computer viruses, worms, trojan Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malwareMalware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware Malware is installed on your computer, it is very difficult to detect using traditional antivirus software products running on the infected computer, and financial malware in particular . Financial Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols, but are under no obligation to determine if your computer (any or any computer by which all of the computers or Mobile Devices you access BOB Advantage) is use are secure or if it is or they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware Malware protection products of your choice to protect from, detect and remove any viruses and malware Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially further encourage you to exercise caution when using your computers for activities unrelated to accessing BOB AdvantageOnline Banking. A virus on your computer that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your accountsAccounts. If we do learn, or have reason to believe, your computer (or any computer you use to access BOB Advantage) Online Banking is compromised and not secure, whether such possible that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage Online Banking without prior notice to you. If, after suspending, canceling or limiting your access to BOB AdvantageOnline Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and models, previously scheduled transfers of bill pay transactions, or links that allow you to aggregate your financial data into our Money Manager tools. You agree that we are not responsible for any viruses, firewalls, malwareMalware, or similar devices or programs that you may encounter when using BOB AdvantageOnline Banking, or or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.

Virus Protection, Firewalls and Malicious Software. “Malware”) You are obligated to take security precautions to protect your computercomputer and your Mobile Device. There are a number of means and mechanisms by which other persons may obtain information from your computer or Mobile Device or trick you or other Users others in order to gain control of your computer (or any computer used to access your accounts Accounts through BOB Advantage)Online Banking. Such These unauthorized persons may obtain such access and/or control when you or other individuals use your computer to, among other things, access information on a removable or network storagestorage device, and/or use the Internet for purposes of sending and receiving emails, browsing various websites, and conducting searches – all things you are likely to do on your computer on a regular basissearches. Specifically, you may be unwittingly induced to install on your computer malicious software (“malware”"Malware"), commonly referred to, among other names, as computer viruses, worms, trojan Trojan horses, rootkits, backdoors, spyware, and adware, when, for example, you open an email attachment, click on a link in an email, click poisoned links within search results which lead you to other sites controlled by fraudsters, browse websites that have been attacked by viruses, install counterfeit software that appears legitimate but may contain malwareMalware, or insert on your computer removable storage devices such as CDs, MP3 players, and other USB memory devices. Once malware Malware is installed on your computer, it is very difficult to detect using traditional antivirus software products running on the infected computer, and financial malware in particular . Financial Malware is generally undetectable by all but a few antivirus products products, and often goes unnoticed until after unauthorized transactions have occurred. You agree that we are not responsible for any electronic virus or Malware that you may encounter using Online Banking. We protect our own network and systems with various security protocols, protocols but are under no obligation to determine if your computer (any or any computer by which all of the computers or Mobile Devices you access BOB Advantage) is use are secure or if it is or they may be compromised or insecure. We encourage you to routinely scan your hardware and software using reliable and current virus, firewall and malware Malware protection products of your choice to protect from, detect and remove any viruses and malware Malware found. You agree to immediately install any upgrades, patches or fixes required for security reasons or otherwise for the proper functioning of Online Banking and any of its Services and features, regardless of whether requested by us. We recommend that you access XXX Xxxxxxxxx on a computer dedicated exclusively to performing financial work, such as accessing your accounts at financial institutions, on which only essential security and financial software is installed. If you chose not to dedicate one of your computers exclusively to performing financial work, we especially further encourage you to exercise caution when using your computers for activities unrelated to accessing BOB AdvantageOnline Banking. A virus on your computer that goes undetected or unrepaired may corrupt and destroy your programsprograms or files, files and even lock you out of your hardware computer or files, and may result in unauthorized transactions from your accountsAccounts. If we do learn, or have reason to believe, your computer (or any computer you or your authorized representatives use to access BOB Advantage) Online Banking is compromised and not secure, whether such possible that potential or actual compromise is detected by you or by us through your access to our network and systems, we may, in our sole discretion, suspend, cancel or limit your access to BOB Advantage Online Banking without prior notice to you. If, after suspending, canceling or limiting your access to BOB AdvantageOnline Banking, we reactivate your prior access, you may have to re-establish some or all of your previously established settings, preferences, and payment models and models, previously scheduled transfers of Bill Pay transactions. You agree that we are not responsible for any viruses, firewalls, malwareMalware, or similar devices or programs that you may encounter when using BOB AdvantageOnline Banking, or or, except to the extent required by law, for any unauthorized transactions resulting from these devices and programs.