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Security Devices used in connection therewith , constitute commercially reasonable security procedures under applicable law for the transactions
<br /> and activity Customer intends to effect through the Service. Customer authorizes Bank to follow any and all instructions entered and transactions
<br /> initiated using applicable Security Procedures unless and until Customer has notified Bank, according to notification procedures prescribed
<br /> by
<br /> Bank, that the Security Procedures or any Security Device has been stolen , compromised , or otherwise become known to persons other
<br /> than
<br /> Authorized Users and until Bank has had a reasonable opportunity to act upon such notice . Customer agrees that the initiation of
<br /> a transaction
<br /> using applicable Security Procedures constitutes sufficient authorization for Bank to execute such transaction notwithstanding any
<br /> particular
<br /> signature requirements identified on any signature card or other documents relating to Customer' s Account, and Customer agrees and intends that
<br /> the submission of transaction orders and instructions using the Security Procedures shall be considered the same as Customer ' s wTitten
<br />signature
<br /> in authorizing Bank to execute such transaction . Customer acknowledges and agrees that Customer shall be bound by any and all
<br /> transactions
<br /> and activity effected through the Service through the use of such Security Procedures , whether authorized or unauthorized , and by any
<br /> and all
<br /> transactions and activity otherwise initiated by Authorized Users , to the fullest extent allowed by law. Customer further acknowledges and agrees
<br /> that the Security Procedures are not designed to detect error in the transmission or content of communications or instructions made
<br />through the
<br /> Service and that Customer bears responsibility for detecting and preventing such error.
<br /> (b) Customer agrees to keep all Security Procedures and Security Devices protected , secure, and strictly confidential and to
<br /> provide or make available the same only to Authorized Users . Customer agrees to instruct each Authorized User not to disclose or provide
<br /> any
<br /> Security Procedures or Security Devices to any unauthorized person . Upon the request of Bank, or as provided in any applicable
<br /> Customer
<br /> Profile or Service Schedule, Customer shall designate a security administrator to whom Bank may distribute Security Devices and with
<br /> whom
<br /> Bank may otherwise communicate regarding Security Procedures . Customer' s system administrator shall have responsibility to distribute
<br /> Security Devices to Customer ' s Authorized Users and to ensure the proper implementation and use of the Security Procedures by Customer'
<br />s
<br /> Authorized Users . Where Customer has the ability to change or modify a Security Device from time to time (e. g. , a password or PIN
<br />), Customer
<br /> agrees to change Security Devices frequently in order to ensure the security of the Security Device . Customer agrees to notify Bank immediately,
<br /> according to notification procedures prescribed by Bank, if Customer believes that any Security Procedures or Security Device has been
<br /> stolen ,
<br /> compromised , or otherwise become known to persons other than Authorized Users or if Customer believes that any Service transaction or activity
<br /> is unauthorized or in error. In the event of any actual or threatened breach of security, Bank may issue Customer a new
<br />Security Device or
<br /> establish new Security Procedures as soon as reasonably practicable , but Bank shall not be liable to Customer or any third party for any
<br /> delay in
<br /> taking such actions .
<br /> (c) Customer agrees that Bank may rely upon any written signature if in good faith believed by Bank to be the
<br /> genuine
<br /> signature of an Authorized User. Each Authorized User is authorized to conduct any transaction within the scope of this Master Agreement
<br /> and ,
<br /> unless otherwise expressly provided in the applicable Customer Profile or Service Schedule, any Authorized User may act alone .
<br /> Customer
<br /> agrees to notify Bank immediately, according to notification procedures prescribed by Bank, if the authority of any Authorized User shall change
<br /> or be revoked . Customer shall recover and return to Bank any Security Devices in the possession of any Authorized User whose
<br /> authority to
<br /> have the Security Device has been revoked .
<br /> (d) Bank reserves the right to modify, amend , supplement, or cancel any or all Security Procedures, and/or to cancel or replace any
<br /> Security Device, at any time and from time to time in Bank ' s discretion . Bank will endeavor to give Customer reasonable notice of any change
<br /> in
<br /> Security Procedures ; provided that Bank may make any change in Security Procedures without advance notice to Customer if Bank, in its judgment
<br /> and discretion, believes such change to be necessary or desirable to protect the security of Bank' s systems and assets. Customer' s implementation
<br /> and
<br /> use of any changed Security Procedures and/or continued use of the Service after any change in Security Procedures shall constitute
<br /> Customer ' s
<br /> agreement to the change and Customer's agreement that the applicable Security Procedures , as changed , are commercially reasonable and adequate
<br />for
<br /> the purposes intended .
<br /> (e) In the event of the breach of any applicable Security Procedure, Customer agrees to assist Bank in determining the manner
<br /> and source of the breach . Such assistance shall include, but shall not be limited to, providing Bank or Bank ' s agent
<br /> access to Customer' s
<br /> systems , computer hardware and software, storage media and devices , and any other equipment or device that was used or may have been used
<br />in
<br /> breach of the Security Procedure . Customer further agrees to provide to Bank with any analysis of such systems , computer
<br /> hardware and
<br /> software, storage media and devices , and other equipment or devices , or any report of such analysis , performed by Customer, Customer' s
<br /> agents ,
<br /> law enforcement agencies , or any other third party.
<br /> ( 0 Bank reserves the right to establish from time to time, in its discretion , limitations and restrictions with respect to
<br /> Service
<br /> transaction amounts , frequency of Service transactions , the types of Accounts that are eligible for Services , and other matters
<br /> relating to the
<br /> Services based on factors deemed significant by Bank in its sole discretion . Customer agrees to abide by and be bound by all
<br /> limitations and
<br /> restrictions imposed from time to time by Bank , and Customer acknowledges and agrees that such limitations and restrictions are
<br />for the sole
<br /> protection of the Bank. Bank will endeavor to provide Customer with reasonable notice of limitations and restrictions (except to the
<br />extent that
<br /> the confidentiality thereof is necessary to maintain the security of Bank ' s systems) ; provided , that Bank may impose immediate limitations
<br /> and
<br /> restrictions , or make changes thereto, without advance notice to Customer if Bank, in itsjudgment and discretion , believes the same to be necessary
<br /> or
<br /> desirable to protect the security of Bank' s systems and assets.
<br /> 5 . Physical and Electronic Security.
<br /> (a) Customer is solely responsible for providing for and maintaining the physical , electronic, procedural , administrative, and
<br /> technical security of data and systems in Customer' s possession or under Customer' s control . Bank is not responsible for any computer
<br /> viruses
<br /> (including, without limitation , programs commonly referred to as "malware," "keystroke loggers ," and/or "spyware), problems or malfunctions
<br /> resulting from any computer viruses , or any related problems that may be associated with the use of an online system. Any material downloaded
<br /> or otherwise obtained through the use of any electronic Service is obtained at Customer' s own discretion and risk, and Bank is not responsible
<br /> for
<br /> any damage to Customer ' s computer or operating systems or for loss of data that results from the download of any such material , whether
<br /> due to
<br /> any computer virus or otherwise. Customer is solely responsible for maintaining and applying anti-virus software, security patches , firewalls , and
<br /> other security measures with respect to Customer' s operating systems, and for protecting, securing, and backing up any data and
<br /> information
<br />
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