Common use of Protecting Your Account Clause in Contracts

Protecting Your Account. 2.1 You must take reasonable steps to keep your account information, Security Information and details of any security procedures secret and to prevent their unauthorised use. For example: (a) if you receive paper statements or notices from us, store these securely or dispose of them safely; (b) do not choose Security Information that is easy to guess, or write down or store any Security Information in a way that someone else might understand; (c) you should not disclose your Security Information to anyone, or allow anyone to use any card or security device we give you, even a joint account holder, additional cardholder; and (d) when using computer equipment, make sure you have up to date antivirus software installed and a firewall enabled, and that you do not leave your computer unsupervised when you are logged in. 2.2 From time to time we will give you more information about keeping your accounts and your use of banking services safe. You should follow any reasonable instructions we give you. 2.3 You must call us as soon as possible on 0330 123 1966 or +▇▇ (▇)▇▇ ▇▇▇▇ ▇▇▇▇ (if calling from outside the UK) if: (a) you believe someone else knows your Security Information; (b) you believe that someone has accessed your account without your authority; or (c) any chequebook, debit card or any security device we give you is lost or stolen. 2.4 If you find a debit card after reporting it as being lost or stolen, you must not use it. 2.5 You should check your account statements, notices and electronic messages when you receive them, and you must tell us as soon as possible if you believe that there are any errors. 2.6 You must ensure that the information you have given us is up to date. We will rely on this information when checking your identity, giving you access to banking services, keeping in touch with you, and processing applications for additional accounts. You must notify us of any change to your information as soon as possible and you must give us evidence of the change if we ask you to. If you do not tell us about a change, we will not be liable if you do not receive any important information from us, or if we send confidential information to an out of date address. 2.7 In order to comply with legal or regulatory requirements, we may, from time to time, request additional information from you. You must provide us with any information that we reasonably request. 2.8 We can report unauthorised access to your account, unauthorised use of any banking service or debit card, or loss or theft of any debit card or Security Information to police, prosecuting authorities and our regulators. As part of this report, we can disclose information about you or the affected accounts or services to them where we reasonably believe this will help them with their enquiries. You must assist us in our discussions with them if we reasonably ask you to do so.

Protecting Your Account. 2.1 You must take reasonable steps to keep your account information, Security Information and details of any security procedures secret and to prevent their unauthorised use. For example: (a) if you receive paper statements or notices from us, store these securely or dispose of them safely; (b) do not choose Security Information that is easy to guess, or write down or store any Security Information in a way that someone else might understand; (c) you should do not disclose your Security Information to anyone, or allow anyone to use any card or security device we give you, even a joint account holder, additional cardholdercardholder or someone else you have appointed to act on your behalf; and (d) when using computer equipment, make sure you have up to date antivirus software installed and a firewall enabled, and that you do not leave your computer unsupervised when you are logged in. 2.2 From time to time we will give you more information about keeping your accounts and your use of banking services safe. You should follow any reasonable instructions we give you. 2.3 You must call us as soon as possible on 0330 123 1966 or +▇▇ (▇)▇▇ ▇▇▇▇ ▇▇▇▇ (if calling from outside the UK) if: (a) you believe someone else knows your Security Information; (b) you believe that someone has accessed your account without your authority; or (c) any chequebook, debit card or any security device we give you is lost or stolen. 2.4 If you find a debit card after reporting it as being lost or stolen, you must not use it. 2.5 You should check your account statements, notices and electronic messages when you receive them, and you must tell us as soon as possible if you believe that there are any errors. 2.6 You must ensure that the information you have given us is up to date. We will rely on this information when checking your identity, giving you access to banking services, keeping in touch with you, and processing applications for additional accounts. You must notify us of any change to your information as soon as possible and you must give us evidence of the change if we ask you to. If you do not tell us about a change, we will not be liable if you do not receive any important information from us, or if we send confidential information to an out of date address. 2.7 In order to comply with legal or regulatory requirements, we may, from time to time, request additional information from you. You must provide us with any information that we reasonably request. 2.8 We can report unauthorised access to your account, unauthorised use of any banking service or debit card, or loss or theft of any debit card or Security Information to police, prosecuting authorities and our regulators. As part of this report, we can disclose information about you or the affected accounts or services to them where we reasonably believe this will help them with their enquiries. You must assist us in our discussions with them if we reasonably ask you to do so.

Protecting Your Account. 2.1 A. Preventing Misuse of Your Account: Your role is extremely important in the prevention of any wrongful use of your account. You must take reasonable steps promptly examine your statement upon receipt. If you find that your records and ours disagree, you must immediately call OMB Customer Service at ▇▇▇-▇▇▇-▇▇▇▇. Protecting Personal Information: In addition to keep protecting your account information, Security Information you should also take precautions to protect your personal identification information, such as your driver's license, social security number, etc. This information by itself or together with information on your account may allow unauthorized access to your accounts. It is your responsibility to protect personal information with the same level of care that you protect your account information. Taking Care of Your OMB Online Banking Password: The password that is used to gain access to OMB Online Banking should also be kept confidential. You are responsible for keeping your password, account numbers and details of any security procedures secret and other account data confidential. If you believe that your password may have been lost or stolen, or that someone has transferred or may transfer money from your account without your permission, notify OMB Customer Service at once at ▇▇▇-▇▇▇-▇▇▇▇. B. Unauthorized Transactions in Your OMB Accounts: Only reveal your account number to prevent their unauthorised usea legitimate entity for a purpose you authorize (such as your insurance company for automatic payments). For example: (a) if you receive paper statements or notices from To notify us, store these securely or dispose of them safely; (b) do not choose Security Information that is easy to guesscall OMB Customer Service at ▇▇▇-▇▇▇-▇▇▇▇, or write down OMB, ▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. If your OMB Online Banking password has been compromised and you tell us within two (2) business days after you learn of the loss or store any Security Information in a way that theft, you can lose no more than $50.00 if someone else might understand; used your OMB Online Banking password without your permission to access an OMB deposit account. If you do NOT tell us within two (c2) business days after you should not disclose your Security Information to anyone, learn of the loss or allow anyone to use any card or security device we give you, even a joint account holder, additional cardholder; and (d) when using computer equipment, make sure you have up to date antivirus software installed and a firewall enabledtheft, and we could have stopped someone from taking money without your permission had you told us, you could lose as much as $500.00. Also, if your statement shows withdrawals, transfers or purchases that you did not make or authorize, please notify us immediately. If you do not leave your computer unsupervised when notify us within sixty (60) days after the paper statement was mailed to you, and we could have stopped someone from taking money if you had told us in time, you may not get back any money lost after the sixty (60) days. If extenuating circumstances, such as a long trip or hospital stay, kept you from telling us, this time will be extended. TERMS OF USE AND PRIVACY POLICY The primary licensor for the online and/or mobile banking service you are logged in. 2.2 From time to time we will give you more information about keeping your accounts and your use of banking services safe. You should follow any reasonable instructions we give you. 2.3 You must call us as soon as possible on 0330 123 1966 or +▇▇ using (▇)▇▇ the “Service”) is ▇▇▇▇ ▇▇▇▇▇ & Associates, Inc. (if calling from outside the UK) if: (a) you believe someone else knows your Security Information; (b) you believe that someone has accessed your account without your authority; or (c) any chequebook, debit card or any security device we give you is lost or stolen. 2.4 If you find a debit card after reporting it as being lost or stolen"Provider"). By enrolling in our Service, you must not use it. 2.5 You should check your account statements, notices and electronic messages when you receive them, and you must tell us hereby agree as soon as possible if you believe that there are any errors. 2.6 You must ensure that the information you have given us is up to date. We will rely on this information when checking your identity, giving you access to banking services, keeping in touch with you, and processing applications for additional accounts. You must notify us of any change to your information as soon as possible and you must give us evidence of the change if we ask you to. If you do not tell us about a change, we will not be liable if you do not receive any important information from us, or if we send confidential information to an out of date address. 2.7 In order to comply with legal or regulatory requirements, we may, from time to time, request additional information from you. You must provide us with any information that we reasonably request. 2.8 We can report unauthorised access to your account, unauthorised use of any banking service or debit card, or loss or theft of any debit card or Security Information to police, prosecuting authorities and our regulators. As part of this report, we can disclose information about you or the affected accounts or services to them where we reasonably believe this will help them with their enquiries. You must assist us in our discussions with them if we reasonably ask you to do so.follows:

Protecting Your Account. 2.1 You must take reasonable steps to keep your account information, Security Information and details of any security procedures secret and to prevent their unauthorised use. For example: (a) if you receive paper statements or notices from us, store these securely or dispose of them safely; (b) do not choose Security Information that is easy to guess, or write down or store any Security Information in a way that someone else might understand; (c) you should do not disclose your Security Information to anyone, or allow anyone to use any card or security device we give you, even a joint account holder, additional cardholdercardholder or someone else you have appointed to act on your behalf; and (d) when using computer equipment, make sure you have up to date antivirus software installed and a firewall enabled, and that you do not leave your computer unsupervised when you are logged in. 2.2 From time to time we will give you more information about keeping your accounts and your use of banking services safe. You should follow any reasonable instructions we give you. 2.3 You must call us as soon as possible on 0330 123 1966 or +▇▇ (▇)▇▇ ▇▇▇▇ ▇▇▇▇ (if calling from outside the UK) if: (a) you believe someone else knows your Security Information; (b) you believe that someone has accessed your account without your authority; or (c) any chequebook, debit card or any security device we give you is lost or stolen. 2.4 If you find a debit card after reporting it as being lost or stolen, you must not use it. 2.5 You should check your account statements, notices and electronic messages when you receive them, and you must tell us as soon as possible if you believe that there are any errors. 2.6 You must ensure that the information you have given us is up to date. We will rely on this information when checking your identity, giving you access to banking services, keeping in touch with you, and processing applications for additional accounts. You must notify us of any change to your information as soon as possible and you must give us evidence of the change if we ask you to. If you do not tell us about a change, we will not be liable if you do not receive any important information from us, or if we send confidential information to an out of date address. 2.7 In order to comply with legal or regulatory requirements, we may, from time to time, request additional information from you. You must provide us with any information that we reasonably request. 2.8 We can report unauthorised access to your account, unauthorised use of any banking service or debit card, or loss or theft of any debit card or Security Information to police, prosecuting authorities and our regulators. As part of this report, we can disclose information about you or the affected accounts or services to them where we reasonably believe this will help them with their enquiries. You must assist us in our discussions with them if we reasonably ask you to do so.

Protecting Your Account. 2.1 Your role in preventing misuse of your account(s) and/or service(s) is extremely important. You must take agree to exercise reasonable steps control over all bank checks, unissued checks, passbooks, certificates, ATM/Visa Check Cards, facsimile signatures, codes and personal identification numbers related to any account(s) and/or service(s) you have with us. It is your responsibility to keep your account informationthese items safe and secure, Security Information and details of any security procedures secret and to prevent their unauthorised useimmediately discover and report to us if they are lost, stolen or otherwise misused. For example: (a) In addition, if you receive paper statements are an Online Banking customer, please be aware that we are not able to detect if there is spyware or notices from us, store these securely or dispose of them safely; (b) do not choose Security Information that is easy to guessother viruses on your computer, or write down if your Internet access is not secure, so that it is of necessity your responsibility to ensure that you conduct your Online Banking transactions from a secure computer. It is highly recommended that Online Banking customers use security programs to protect their computer. If we become aware that your account(s) or store service(s) is or may be compromised we may require that you close the account and/or service and, at our discretion, open a new one. If you refuse to close the account or service, we will be released from any Security Information in liability for subsequent losses due to fraud or misuse. In addition to any other rights we may have, we may deny a way that someone else might understand; (c) you should not disclose your Security Information claim or loss due to anyoneforged, altered or allow anyone to use any card or security device we give you, even a joint account holder, additional cardholder; and (d) when using computer equipment, make sure you have up to date antivirus software installed and a firewall enabled, and that unauthorized signature if you do not leave properly protect against improper access to your computer unsupervised when checks, statements and other account information. (See Unauthorized Transactions and Customer Responsibilities and Limit on Time to Assert Claims, under the Additional Terms and Conditions section, for additional information.) The following are some of the things that you can do to protect your account: • Store blank and cancelled checks, deposit and withdrawal slips, and account statements under dual control in a secure, locked location that is accessible only to authorized personnel. Destroy unused deposit slips, checks, receipts, cancelled checks and statements before discarding them. Notify us immediately if any of these items are lost, stolen or missing. • Write checks in permanent ink and ensure that all lines are filled completely. Numbers should be legible, and begin on the far left of the line so that additional numbers cannot be added. Personally sign your checks using a clear and legible signature, and never give anyone a “blank” pre-signed check. • You should not use your account to cash checks for others who are not well known to you. Although we may make funds provisionally available to you and may take steps to determine whether a check will be paid, you are logged in. 2.2 From time responsible for any loss that occurs if the check is returned to time we us for any reason (e.g., because it is counterfeit). Our employees cannot promise that checks drawn on or issued by other institutions, including cashier’s checks, will be paid. • Do not leave outgoing mail in an unlocked collection area or mailbox. Deposit it in a locked Postal Service mailbox. • Do not give you more any account information about keeping your accounts and your use of banking services safeor personal identification numbers or codes to callers, even if they claim to be a Bank employee or from a law enforcement agency. You should follow any reasonable instructions we give you. 2.3 You must call • Notify us as soon as possible on 0330 123 1966 or +▇▇ (▇)▇▇ ▇▇▇▇ ▇▇▇▇ (if calling from outside the UK) if: (a) you believe someone else knows your Security Information; (b) you believe that someone has accessed your account without your authority; or (c) any chequebook, debit card or any security device we give you is lost or stolen. 2.4 If you find a debit card after reporting it as being lost or stolen, you must not use it. 2.5 You should check your account statements, notices and electronic messages when you receive them, and you must tell us as soon as possible if you believe that there are any errors. 2.6 You must ensure that the information you have given us is up to date. We will rely on this information when checking your identity, giving you access to banking services, keeping in touch with you, and processing applications for additional accounts. You must notify us of any change to your information as soon as possible and you must give us evidence of the change if we ask you to. If you do not tell us about a change, we will not be liable immediately if you do not receive a new check order within 14 business days. Always use tamper resistant check stock, and never print your social security number or driver’s license number on your checks. • Notify us immediately if any important information from usdocument containing your identification is lost, stolen or if we send confidential information missing. • Maintain accurate records of your transactions and reconcile your account statements as soon as they are made available to an you. When reviewing your statements pay close attention to (1) checks cashed out of date address. 2.7 In order to comply with legal or regulatory requirements, we may, from time to time, request additional information from you. You must provide us with any information that we reasonably request. 2.8 We can report unauthorised access to your account, unauthorised use of any banking service or debit card, or loss or theft of any debit card or Security Information to police, prosecuting authorities and our regulators. As part of this report, we can disclose information about you or the affected accounts or services to them where we reasonably believe this will help them with their enquiries. You must assist us in our discussions with them if we reasonably ask you to do so.sequence,