Common use of Your Access Codes Clause in Contracts

Your Access Codes. To gain access to the Digital Services, you will need an access passcode ("Passcode"), user identification ("User ID") and other authentication factors that we may require from time to time. Your card data may also be required for authentication purposes. The Passcode (including a fingerprint or other biometric identifier), User ID, Card Data, and other authentication factors (e.g., a token for the ACH, Wire Transfers and Real-Time Payments Digital Services) that we may require from time to time may collectively be called the "Access Codes." The Passcode will either be selected by you upon enrollment or will be supplied to you by us. For some services (e.g., M&T Mobile Banking), after your first login, you may be able to use a fingerprint or other biometric identifier as a Passcode. You can change your User ID and/or Passcode at any time. We require that you change any Passcode we provide to you. You agree to keep all Access Codes confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of the Digital Services. To protect the security of your information and accounts, you agree to log out of the Digital Services and close your browser or application session when you are finished using the Digital Services. For reasons of security, we may cancel your Access Codes at any time without notice. All electronic communications and Instructions using these Access Codes will be deemed to be valid and authentic and we may act on such communications and Instructions. You also agree that those electronic communications will be given the same legal effect as written and signed paper communications. In general, your Access Codes permit you to access all Eligible Accounts associated with your Social Security number or Taxpayer Identification Number that are compatible with the Digital Services (including accounts you own individually and with others). Every owner of an account should obtain and use his or her own Access Codes. Do not share you Access Codes with others as such sharing will enable those individuals to access information and even transact on your Eligible Account(s) and you may be responsible for those transactions. In addition, for Business Accounts, the Administrator will select for each Authorized User, a User ID, and a Passcode. Issuance and re-issuance of certain Access Codes may require the Administrator to use additional authentication or security procedures we establish from time to time. If you believe that any of your Access Codes have been lost, stolen, or compromised or that any transaction involving any of your Eligible Accounts may have been made without your authorization, you should contact us immediately. We strongly recommend that you do so by telephoning us at the Customer Service Center number provided below in this Agreement (Section M8), because that is the best way of limiting your losses. In addition to notifying us, we also strongly recommend that you immediately change your User ID, Passcode and any other Access Codes, as appropriate.

Your Access Codes. To gain access to the Digital Services, you will need an access passcode ("Passcode"), user identification ("User ID") and other authentication factors that we may require from time to time. Your card data may also be required for authentication purposes. The Passcode (including a fingerprint or other biometric identifier), User identifier),User ID, Card Data, and other authentication factors (e.g., a token for the ACH, Wire Transfers and Real-Time Payments Digital Services) that we may require from time to time may collectively be called the "Access Codes." The Passcode will either be selected by you upon enrollment or will be supplied to you by us. For some services (e.g., M&T Mobile Banking), after your first login, you may be able to use a fingerprint or other biometric identifier as a Passcode. You can change your User ID and/or Passcode at any time. We require that you change any Passcode we provide to you. You agree to keep all Access Codes confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of the Digital Services. To protect the security of your information and accounts, you agree to log out of the Digital Services and close your browser or application session when you are finished using the Digital Services. For reasons of security, we may cancel your Access Codes at any time without notice. All electronic communications and Instructions using these Access Codes will be deemed to be valid and authentic and we may act on such communications and Instructions. You also agree that those electronic communications will be given the same legal effect as written and signed paper communications. In general, your Access Codes permit you to access all Eligible Accounts associated with your Social Security number SSN or Taxpayer Identification Number TIN that are compatible with the Digital Services (including accounts you own individually and with others). Every owner of an account should obtain and use his or her own Access Codes. Do not share you Access Codes with others as such sharing will enable those individuals to access information and even transact on your Eligible Account(s) and you may be responsible for those transactions. In addition, for Business Accounts, the Administrator will select for each Authorized User, a User ID, and a Passcode. Issuance and re-issuance of certain Access Codes may require the Administrator to use additional authentication or security procedures we establish from time to time. If you believe that any of your Access Codes have been lost, stolen, or compromised or that any transaction involving any of your Eligible Accounts may have been made without your authorization, you should contact us immediately. We strongly recommend that you do so by telephoning calling us at the Customer Service Center number provided below in this Agreement (Section M8)K15., because that is the best way of limiting your losses. In addition to notifying us, we also strongly recommend that you immediately change your User ID, Passcode and any other Access Codes, as appropriate.

Your Access Codes. To gain access to the Digital Services, you will need an access passcode ("Passcode"), user identification ("User ID") and other authentication factors that we may require from time to time. Your card data may also be required for authentication purposes. The Passcode (including a fingerprint or other biometric identifier), User ID, Card Data, and other authentication factors (e.g., a token for the ACH, Wire Transfers and Real-Time Payments Digital Services) that we may require from time to time may collectively be called the "Access Codes." The Passcode will either be selected by you upon enrollment or will be supplied to you by us. For some services (e.g., M&T Mobile Banking), after your first login, you may be able to use a fingerprint or other biometric identifier as a Passcode. You can change your User ID and/or Passcode at any time. We require that you change any Passcode we provide to you. You agree to keep all Access Codes confidential to prevent unauthorized access to your accounts and to prevent unauthorized use of the Digital Services. To protect the security of your information and accounts, you agree to log out of the Digital Services and close your browser or application session when you are finished using the Digital Services. For reasons of security, we may cancel your Access Codes at any time without notice. All electronic communications and Instructions using these Access Codes will be deemed to be valid and authentic and we may act on such communications and Instructions. You also agree that those electronic communications will be given the same legal effect as written and signed paper communications. In general, your Access Codes permit you to access all Eligible Accounts associated with your Social Security number SSN or Taxpayer Identification Number TIN that are compatible with the Digital Services (including accounts you own individually and with others). Every owner of an account should obtain and use his or her own Access Codes. Do not share you Access Codes with others as such sharing will enable those individuals to access information and even transact on your Eligible Account(s) and you may be responsible for those transactions. In addition, for Business Accounts, the Administrator will select for each Authorized User, a User ID, and a Passcode. Issuance and re-issuance of certain Access Codes may require the Administrator to use additional authentication or security procedures we establish from time to time. If you believe that any of your Access Codes have been lost, stolen, or compromised or that any transaction involving any of your Eligible Accounts may have been made without your authorization, you should contact us immediately. We strongly recommend that you do so by telephoning calling us at the Customer Service Center number provided below in this Agreement (Section M8)K15., because that is the best way of limiting your losses. In addition to notifying us, we also strongly recommend that you immediately change your User ID, Passcode and any other Access Codes, as appropriate.