Common use of Protecting Your Identity Clause in Contracts

Protecting Your Identity. Tips on Safe Account Practices. Prevention measures and early detection are two of the main factors in reducing exposure to fraud and embezzlement. At all times, you should ensure you take precautions as to who has access to your financial records. As between SVB and you, you are responsible for your employees’ and agents’ compliance with the terms of this Deposit Agreement or any Related Agreement. If you become aware of a possible fraud situation, contact us immediately using the information found in Appendix A. These guidelines reflect some common-sense practices that you should consider in mitigating your own risks, including but not limited to: • Separating responsibility for issuing payments (e.g., ACH, checks, credit card, wires) from that of balancing and reconciling statements. When the same employee performs both functions without external audit, fraud can go undetected. • Reviewing and reconciling bank statements as you receive them. Watch for checks cashed out of sequence and checks payable to cash. • Regularly examining your account activity to identify unauthorized activity and reporting unauthorized transfers or errors in accordance with the timeframes and other requirements of this Deposit Agreement. • Storing your reserve supply of blank checks, canceled checks and bank statements in a secure, locked location that is accessible only to authorized personnel. • Shredding or destroying any checks you do not intend to use. • Protecting your PINs, access codes and passwords to avoid unauthorized account transactions. Never disclose your PIN or password to anyone. Our employees will never ask you for your PIN, and we will not send unsolicited emails to you that request personal information. • Maintaining confidentiality of online credentials by not sharing them with others. • Having Financial Malware detection tools installed on computers (e.g., Trusteer). • Change passwords often and avoid using the same or similar passwords for multiple accounts. • Practice protocols for breach control and train your current employees regularly on the protocol. • Train your employees not to click unknown or personal email attachments/links using company computers. • Consistently assess your fraud prevention plan for vulnerabilities. • When in doubt, contact us using the information found in Appendix A. Do not use unknown phone numbers or attempts to have you email unknown addresses. Failure to properly follow these guidelines may put your account and/or identity at risk and we may deny a claim for monetary loss if you failed to follow these guidelines.

Protecting Your Identity. Tips on Safe Account Practices. Prevention measures and early detection are two of the main factors in reducing exposure to fraud and embezzlement. At all times, you should ensure you take precautions as to who has access to your financial records. As between SVB and you, you are responsible for your employees’ and agents’ compliance with the terms of this Deposit Agreement or any Related Agreement. If you become aware of a possible fraud situation, contact us immediately using the information found in Appendix A. These guidelines reflect some common-sense practices that you should consider in mitigating your own risks, including but not limited to: • Separating responsibility for issuing payments (e.g., ACH, checks, credit card, wires) from that of balancing and reconciling statements. When the same employee performs both functions without external audit, fraud can go undetected. • Reviewing and reconciling bank statements as you receive them. Watch for checks cashed out of sequence and checks payable to cash. • Regularly examining your account activity to identify unauthorized activity and reporting unauthorized transfers or errors in accordance with the timeframes and other requirements of this Deposit Agreement. • Storing your reserve supply of blank checks, canceled checks and bank statements in a secure, locked location that is accessible only to authorized personnel. • Shredding or destroying any checks you do not intend to use. • Protecting your PINs, access codes and passwords to avoid unauthorized account transactions. Never disclose your PIN or password to anyone. Our employees will never ask you for your PIN, and we will not send unsolicited emails to you that request personal information. • Maintaining confidentiality of online credentials by not sharing them with others. • Having Financial Malware detection tools installed on computers (e.g., Trusteer). • Change passwords often and avoid using the same or similar passwords for multiple accounts. • Practice protocols for breach control and train your current employees regularly on the protocol. • Train your employees not to click unknown or personal email attachments/links using company computers. • Consistently assess your fraud prevention plan for vulnerabilities. • When in doubt, contact us using the information found in Appendix A. Do not use unknown phone numbers or attempts to have you email unknown addresses. Failure to properly follow these guidelines may put your account and/or identity at risk and we may deny a claim for monetary loss if you failed to follow these guidelines.. Fraud Control Services‌ If you enroll in our Fraud Control Services (the “FC Services”), your use of the FC Services will be governed by the following terms (the “Terms”):