Common use of Your Password Clause in Contracts

Your Password. You will establish and use a Password to obtain access to the Services. You accept responsibility for the confidentiality and security of your Password as detailed further in this Agreement, and agree to change your Password periodically. You agree to keep your Password in a secure location and physically separated from your Web Access Device. We recommend that you memorize your Password and not write it down. You should never leave your Web Access Device unattended while you are logged on. You can change your Password at any time. For security purposes, after your Password is changed, we will confirm with you via e-mail that it was changed. Your password will not be included in the e-mail. Be sure to enter uppercase and lowercase letters carefully because Passwords are sensitive to case (for example, NEWcar#1 will not be accepted in place of Newcar#1 and you will not gain access to the Service). Your access to the Services will be blocked in the event your Password is entered incorrectly on six (6) consecutive access attempts. You may use the Forgotten Password feature located on the log-in page (prior to being blocked from the service) or telephone Katahdin Trust Company's Electronic Banking Department toll-free at 0-000-000-0000. Authorized Use of the Services by Other Persons: You are responsible for keeping your Password and Account data confidential. Because your Password can be used to access money in any of your Accounts and to access information about any of your linked Accounts, including reviewing account information, making transfers, or payments linked for Online Banking Access, you should treat your Password with the same degree of care and secrecy that you use to protect other sensitive personal financial data. You agree not to give your Password, or make it available, to any other person. You are solely responsible for closely and regularly monitoring your accounts with the Bank and transactions through security and integrity of your web access device, including the use of commercially reasonable anti-virus and firewall safeguards. We are entitled to act on transaction instructions received using your Password, and you agree that the use of your Password will have the same effect as your signature authorizing the transaction. If you authorize other persons to use your Password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed your Password, and you are responsible for any transactions made by such persons until you notify us that transactions by that person are no longer authorized and we have a reasonable opportunity to act upon the notification. Notwithstanding any of our efforts to the contrary you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. If you suspect that your web access device has been compromised, lost or stolen please notify the Bank immediately by contacting us toll free at 0-000-000-0000 during regular business hours.

Your Password. You will establish and use In addition to your User ID, a Password to obtain password is used for access to the ServicesOnline Banking. You accept responsibility for the confidentiality and security of your Password as detailed further in this Agreement, and agree to change your Password periodicallypassword immediately after your initial sign-on, and to periodically change your password to prevent unauthorized access to your account. You agree to keep take all security measures sufficient to assure that your password is not used to facilitate any unauthorized transactions on this site. You agree that one User ID and one password applies to each Member number and all accounts linked to that Member number. You acknowledge that if there is more than one owner of your account, (if the other owner(s) is also a member) all owners on your account are authorized to process transactions and access services through Online Banking. No one at BFSFCU has access to your Online Banking password information. You agree that this is a valid security procedure meeting the requirements of District of Columbia Uniform Commercial Code sections 28:4A-201. Transactions and Authority to Charge Account – Access to your accounts to process transactions may be made through Online Banking. You authorize us to complete any transactions through the use of Online Banking, including the amount of any transfer that you make and any fees that may apply for the specific transaction. You authorize us to process transactions according to the instructions received through Online Banking. You agree that any person granted access to Online Banking may authorize us to make transactions on your behalf. You understand that for making transfers through Online Banking, we rely on the User ID and Password in and other identifying information you supply. In addition, you understand that transactions will be made according to those accounts and identifying numbers and a secure location and physically separated deduction from your Web Access Device. We recommend that account will be made even if such numbers do not match the beneficiary or account you memorize your Password and not write it downintended to pay or transfer funds to. You should never leave your Web Access Device unattended while you are logged on. You can change your Password at authorize us to initiate any time. For security purposes, after your Password is changed, we will confirm with you via e-mail that it was changed. Your password will not be included in the e-mail. Be sure to enter uppercase and lowercase letters carefully because Passwords are sensitive to case (for example, NEWcar#1 will not be accepted in place of Newcar#1 and you will not gain access to the Service). Your access to the Services will be blocked in the event your Password is entered incorrectly on six (6) consecutive access attempts. You may use the Forgotten Password feature located on the log-in page (prior to being blocked from the service) reversing entry or telephone Katahdin Trust Company's Electronic Banking Department toll-free at 0-000-000-0000. Authorized Use of the Services by Other Persons: You are responsible for keeping your Password and Account data confidential. Because your Password can be used to access money in any of your Accounts reversing file and to access information about any of debit your linked Accounts, including reviewing account information, making transfers, accounts with us or payments linked for Online Banking Access, you should treat your Password with the same degree of care and secrecy that you use elsewhere in order to protect other sensitive personal financial datacorrect a mistaken credit entry. You agree not to give conduct transactions that would overdraw your Passwordaccount. If you do so, then you owe us the amount immediately, plus an applicable fee. We may also deduct, without prior notification to you, the amount you owe from any of your accounts, or, if you have been approved for SafetyLink or BFSFCU’s Overdraft Protection account, the overdrawn amount will be deducted from your designated savings account or processed as a loan advance. Types of Available Services, Transfers and Limits on Transfers – Online Banking enables you to access your account from an Internet-enabled browser or device using your User ID and password to:  Conduct deposit, withdrawal and balance inquiries on your checking and savings accounts;  Make payments to certain loan accounts with us from checking or savings;  Transfer funds between your checking, savings and loans;  Transfer funds from one Member account to another Member account;  Change the User ID and Password on your account;  Make payments from checking to third parties with Billpayer;  Register for Alerts;  Sign up for Electronic Statements;  Change your contact information;  Contact us via Secure Message Center;  View your credit card balances and activity  Request e-Wires: Domestic and International Wire transfers;  Participate in the BFSFCU Community Portal to share information and ideas;  Transfer funds from your BFSFCU account to your account at another financial; institution or to a third party using External Transfers;  Deposit checks to your designated account through MyDeposit;  Open accounts, e.g. Savings, Money Management Savings, Checking, and most Share Certificate Accounts For any savings accounts (including the Money Management Savings account), you may make it availableno more than 6 automatic or preauthorized transfers (up to your available balance) from such an account (including transfers made through Online Banking, and automatic transfers to any cover checking account overdrafts) monthly. There are no transfer limits on checking accounts. For security reasons, there may be other personlimits on the number or dollar amount of the transactions you may make using this service. Transactions conducted through Online Banking are processed at the time you conduct them. You may not “cancel” or “stop” a transaction once completed. You are solely responsible for closely and regularly monitoring all transactions conducted on your accounts by anyone with the Bank your User ID and transactions through security and integrity of your web password or any other access devicecodes, including unauthorized transactions, subject to the use limitations of commercially reasonable anti-virus applicable law. Legal limitations on your liability for unauthorized Regulation E transactions are summarized below. You agree to hold BFSFCU harmless for any and firewall safeguardsall transactions you authorize (either in writing or by your words or conduct) on your account. We are entitled have no obligation to act on transaction instructions received using your Password, and you agree that monitor the use of your Password will have the same effect as your signature authorizing the transaction. If User ID and password or to notify you authorize other persons to use your Password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed your Password, and you are responsible for any transactions made by such persons until you notify us that transactions by that person are no longer authorized and we have a reasonable opportunity to act upon the notification. Notwithstanding any of our efforts to the contrary you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. If you suspect that your web access device has been compromised, lost or stolen please notify the Bank immediately by contacting us toll free at 0-000-000-0000 during regular business hoursif unusual activity occurs.

Your Password. You When you log into your account for the first time, you will establish be asked for a 6-character (at least 1 number and at least 1 letter) user ID number to place in the user ID box, and then be prompted for your online password. For your initial sign on you will receive a two letters from the bank providing user ID and initial password. For security purposes, you are required to change your use a Password to obtain access ID and password upon your initial login to the ServicesService. Your new password will be alphanumeric, at least 8 characters in length including 4 letters, 1 number and 1 special character. You agree that we are authorized to act on instructions received under your password. You accept responsibility for the confidentiality and security of your Password as detailed further in this Agreement, password and agree to change your Password periodically. You agree to keep your Password in a secure location and physically separated from your Web Access Devicepassword regularly. We recommend that you memorize your Password create a password not associated with any commonly known personal identification, such as address, and date of birth. Social Security Number and name may not write it be used. Passwords should be memorized rather than written down. You should never leave your Web Access Device unattended while Next you will need to complete the Image Key Enrollment form. Enter an Authentication phrase for the randomly selected Authentication Image, provide answers for three challenge questions, and select whether you are logged onlogging in with your personal computer or a public computer. You can Only register computers that you frequently use and are not available for public use. The next time you log in, Enhanced Online Security will recognize you and display your private image and phrase. If the authentication image and phrase do not match, do not enter your password. Start over or contact Peoples Bank of Wyaconda at 000-000-0000 for assistance. Every 60 days the system will force a password change for your security. To change your Password at any time. For security purposespassword before the 60th day, after your Password is changed, we the user will confirm with you via e-mail that it was changed. Your password will not be included in log into the e-mail. Be sure to enter uppercase Online Banking System and lowercase letters carefully because Passwords are sensitive to case (for example, NEWcar#1 will not be accepted in place of Newcar#1 and you will not gain access to the Service). Your access then go to the Services tab and select Change Password. You are allowed three password attempts, and on the 3rd attempt, if invalid, you will be blocked in locked out of the event system. If a subscriber loses or forgets their password, they may have to call the bank to have it reset. Peoples Bank employees will not have access to subscriber’s password. To re-establish your Password is entered incorrectly on six (6) consecutive access attempts. You may use authorization to the Forgotten Password feature located on the log-in page (prior to being blocked from the service) or telephone Katahdin Trust Company's Electronic Online Banking Department toll-free system, you must contact a Financial Service Representative at 0-000-000-0000, to have your password reset. Authorized Use of the Services by Other Persons: You are responsible liable for keeping your Password and Account data confidential. Because your Password can be used to access money in any all transactions authorized with the use of your Accounts and to access information about Password. Peoples Bank has no responsibility for establishing the identity of any of person who uses your linked Accounts, including reviewing account information, making transfers, or payments linked for Online Banking Access, you should treat your Password with the same degree of care and secrecy that you use to protect other sensitive personal financial dataPassword. You agree not to that if you give your PasswordPassword to anyone or fail to safeguard its secrecy, or make it available, you do so at your own risk since anyone with your Password will have access to any other personyour accounts. You are solely responsible for closely and regularly monitoring your accounts with agree that if you believe the Bank and transactions through security and integrity secrecy of your web access devicePassword has been compromised, including the use you immediately will notify Peoples Bank of commercially reasonable anti-virus that fact, and firewall safeguards. We are entitled to act on transaction instructions received using you immediately will change your Password. For joint accounts, each person must have a separate Password. Each person on a joint account will be liable for all transactions that are made on that account by all other joint owners of the account. You agree to indemnify, defend and hold harmless Peoples Bank from any and all claims, losses, damages, actions, suits, liabilities, costs, fines and expenses (including reasonable attorneys’ fees), and you agree not to make any claim or demand against Peoples Bank or bring any action against Peoples Bank related to its honoring or allowing any actions or transactions that the use of your Password will have the same effect as your signature authorizing the transaction. If you authorize other persons to use your Password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed were authorized and/or conducted under your Password, and you are responsible for any transactions made by such persons until you notify us that transactions by that person are no longer authorized and we have a reasonable opportunity to act upon the notification. Notwithstanding any of our efforts to the contrary you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. If you suspect that your web access device has been compromised, lost or stolen please notify the Bank immediately by contacting us toll free at 0-000-000-0000 during regular business hours.

Your Password. You will establish and use a Password to obtain access to the Services. You accept responsibility for the confidentiality and security of your Password as detailed further in this Agreement, and agree to change your Password periodically. You agree to keep your Password in a secure location and physically separated from your Web Access Device. We recommend that you memorize your Password and not write it down. You should never leave your Web Access Device unattended while you are logged on. You can change your Password at any time. For security purposes, after your Password is changed, we will confirm with you via e-mail that it was changed. Your password will not be included in the e-mail. A Password contains no less than six (6) and no more than seventeen (17) characters. A Password must contain at least one upper case letter, one lower case letter, one number, and one special character from the following: ‘ ! @ # $ % ^ & * _ + - = ( ) < > | \ : ; ` “ , . / ? Be sure to enter uppercase and lowercase letters carefully because Passwords are sensitive to case (for example, NEWcar#1 will not be accepted in place of Newcar#1 and you will not gain access to the Service). Your access to the Services will be blocked in the event your Password is entered incorrectly on six (6) consecutive access attempts. You may use the Forgotten Password feature located on the log-in page (prior to being blocked from the service) or telephone Katahdin Trust Company's Electronic Banking Department toll-free at 0-000-000-0000. Authorized Use of the Services by Other Persons: You are responsible for keeping your Password and Account data confidential. Because your Password can be used to access money in any of your Accounts and to access information about any of your linked Accounts, including reviewing account information, making transfers, or payments linked for Online Banking Access, you should treat your Password with the same degree of care and secrecy that you use to protect other sensitive personal financial data. You agree not to give your Password, or make it available, to any other person. You are solely responsible for closely and regularly monitoring your accounts with the Bank and transactions through security and integrity of your web access device, including the use of commercially reasonable anti-virus and firewall safeguards. We are entitled to act on transaction instructions received using your Password, and you agree that the use of your Password will have the same effect as your signature authorizing the transaction. If you authorize other persons to use your Password in any manner, your authorization will be considered unlimited in amount and manner until you have notified us in writing that you have revoked the authorization and changed your Password, and you are responsible for any transactions made by such persons until you notify us that transactions by that person are no longer authorized and we have a reasonable opportunity to act upon the notification. Notwithstanding any of our efforts to the contrary you acknowledge that the Internet is inherently insecure and that all data transfers, including electronic mail, occur openly on the Internet and can potentially be monitored and read by others. If you suspect that your web access device has been compromised, lost or stolen please notify the Bank immediately by contacting us toll free at 01-000855-000-0000 331- 3221 during regular business hours.