Common use of CONFIDENTIALITY OF USERNAME AND PASSWORD Clause in Contracts

CONFIDENTIALITY OF USERNAME AND PASSWORD. You are required to create a username and password in connection with your registration and use of any eBanking Services. You should create a complex username and password, so that others cannot guess or figure out what they are. The username and password are required for security purposes in connection with the authentication of your access to eBanking Services and the transfers and payments you initiate through eBanking. Your username and password are confidential and should NOT be disclosed to others or recorded on documentation, records, or in any other manner that can be accessible by others. You are responsible for the proper safekeeping of your username and password. You agree not to disclose or otherwise make your username and password available to anyone. If you authorize anyone to use your username and password, that authority shall continue until you specifically revoke such authority by changing your username and password orby notifying us and creating a new username and password. You understand that if you reveal your username and password to anyone, you have authorized that individual to transfer and withdraw funds from any of your accounts that can be accessed by the username and password, regardless of whether that person is authorized to transfer or withdraw funds from the account(s) by any means other than by use of eBanking. If you fail to maintain security of your username and password and we suffer a loss, we reserve the right to terminate your eBanking Services under this Disclosure and Agreement, as well as terminate other Credit Union products and services. Users of eBanking Service should utilize other username and password protection precautions as may be appropriate under any particular set of circumstances to ensure security over system access and access to account and transaction information and funds transfer capabilities. eBanking provides the capability for you to change your username and password at any time. To help safeguard your security, you should change your username and password frequently. If you forget your password, you should first utilize the “Forgot Password” feature available on the Sign In webpage to assist you. Otherwise, if you forget your username or password or your system access is locked or disabled due to the use of an incorrect username or password, contact the Credit Union at 877.254.9328. We may require that you re-register to gain access to eBanking. To help protect yourself against fraud, adhere to the following guidelines: • Do not give out your account information, username, or password (the Credit Union will NEVER ask for your eBanking password); • Do not leave your computer unattended while you are in the Credit Union’s website; • Never leave your account information accessible to or within viewing range of others; and • Do not send confidential or privileged account information (e.g., account number, password, etc.) over any public or general Wi-Fi or email system. If you believe your username or password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Credit Union immediately.

CONFIDENTIALITY OF USERNAME AND PASSWORD. You are required to create a username and password in connection with your registration and use of any the eBanking Servicesservice. You should create a complex username and password, password so that others cannot guess or figure out what they are. The username and password are required for security purposes in connection with the authentication of your access to the eBanking Services service and the transfers and payments you initiate through eBankingthe eBanking service. Your username and password are confidential and should NOT be disclosed to others or recorded on documentation, records, documentation or in any other manner that can be accessible by othersrecords located on or around your personal computer. You are responsible for the proper safekeeping of your username and password. You agree not to disclose or otherwise make your username and password available to anyone. If you authorize anyone to use your username and password, password that authority shall continue until you specifically revoke such authority by changing your the username and password orby or by notifying us and creating a new username and password. You understand that if you reveal your username and password to anyone, you have authorized that individual to transfer and withdraw funds from any of your accounts that which can be accessed by the username and password, regardless of whether that person is authorized to transfer or withdraw funds from the account(s) by any means other than by use of eBanking. If you fail to maintain security of your username and password and we suffer a loss, we reserve the right to terminate your eBanking Services services under this Disclosure and Agreement, Agreement as well as terminate other Credit Union credit union products and services. Users of the eBanking Service service should utilize other username and password protection precautions as may be appropriate under any particular set of circumstances to ensure security over system access and access to account and transaction information and funds transfer capabilities. eBanking provides the capability for you to change your username and password at any time. To help safeguard your security, you should change your username and password frequently. If you forget your password, you should first utilize the “Forgot Password” feature available on the Sign In webpage to assist you. Otherwise, if you forget your username or password or your system access is locked or disabled due to the use of an incorrect username or password, contact the Credit Union at 877.254.9328. We may require that you re-register to gain access to eBankingthe eBanking service. To help protect yourself against fraud, adhere to the following guidelines: • Do not give out your account information, usernamepassword, or password User ID (the Credit Union will NEVER ask for your eBanking password); • Do not leave your computer unattended while you are in the Credit Union’s website; • Never leave your account information accessible to or within viewing range of others; and • Do not send confidential or privileged account information (e.g., account number, password, etc.) over in any public or general Wi-Fi or email system. If you believe your username or password has been lost or stolen, or if you suspect any fraudulent activity on your account, call the Credit Union immediately.

CONFIDENTIALITY OF USERNAME AND PASSWORD. You are required to create a username and password in connection with your registration and use of any eBanking Services. You should create a complex username and password, so that others cannot guess or figure out what they are. The username and password are required for security purposes in connection with the authentication of your access to eBanking Services and the transfers and payments you initiate through eBanking. Your username and password are confidential and should NOT be disclosed to others or recorded on documentation, records, or in any other manner that can be accessible by others. You are responsible for the proper safekeeping of your username and password. You agree not to disclose or otherwise make your username and password available to anyone. If you authorize anyone to use your username and password, that authority shall continue until you specifically revoke such authority by changing your username and password orby notifying us and creating a new username and password. You understand that if you reveal your username and password to anyone, you have authorized that individual to transfer and withdraw funds from any of your accounts that can be accessed by the username and password, regardless of whether that person is authorized to transfer or withdraw funds from the account(s) by any means other than by use of eBanking. If you fail to maintain security of your username and password and we suffer a loss, we reserve the right to terminate your eBanking Services under this Disclosure and Agreement, as well as terminate other Credit Union products and services. Users of eBanking Service should utilize other username and password protection precautions as may be appropriate under any particular set of circumstances to ensure security over system access and access to account and transaction information and funds transfer capabilities. eBanking provides the capability for you to change your username and password at any time. To help safeguard your security, you should change your username and password frequently. If you forget your password, you should first utilize the “Forgot Password” feature available on the Sign In webpage to assist you. Otherwise, if you forget your username or password or your system access is locked or disabled due to the use of an incorrect username or password, contact the Credit Union at 877.254.9328. We may require that you re-register to gain access to eBanking. To help protect yourself against fraud, adhere to the following guidelines: • Do not give out your account information, username, or password (the Credit Union will NEVER ask for your eBanking password); • Do not leave your computer unattended while you are in the Credit Union’s website; • Never leave your account information accessible to or within viewing range of others; and • Do not send confidential or privileged account information (e.g., account number, password, etc.) over any public or general Wi-Fi or email system. If you believe your username or password has been lost or stolen, or if you suspect any fraudulent activity on your onyour account, call the Credit Union immediately. You should not rely on email if you need to report an unauthorized transaction from one of your accounts or if you need to stop a payment that is scheduled to occur. The Credit Union will not accept email as a binding contract. Email transmissions outside of the eBanking Site are not secure. We advise you not to send us or ask forsensitive information such as account numbers, password, or other account information via any general or publicWi-Fi or email system. If you wish to contact us electronically, please use our Secure Messages feature provided through our eBanking Site. Use the Secure Message feature to message the Credit Union regarding inquiries about an electronic funds transfer error resolution, report unauthorized transactions, or contact the Credit Unionregarding any other concerns of a confidential nature. With eBanking Services, we may send messages to the external email address you provided us and notify you that responses to your payment inquiries or member service inquiries are available, or as otherwise described within eBanking Services. If you subscribe to ePay service, we may also use your external email to notify you that you have new bills. If, for any reason your externalemail address changes or becomes disabled, please update the email within eBanking Services or contact the Credit Union immediately, so that we can continue to provide you with automated messages. Because we may also use external email to send important notices about service and privacy changes, we require that every eBanking member provide us with a valid and current external email address.