Part A: General

1. Scope: This Agreement, as amended from time to time, governs your use of your Brim Account and applies when you access or use the Services, regardless of the technology you use to access the Services. Subject to Section 2, this Agreement replaces all prior agreements between you and us for your use of your Brim Account.

2. Other Agreements: This Agreement supplements any other existing and future written agreements that you have with us and any terms, conditions or disclaimers provided on our
Website. For example, there are a variety of additional terms, conditions and disclaimers in other agreements that govern your use of your Brim Account and Services. If there is a conflict between a term in this Agreement and any other written agreement with us, the term of the other agreement will apply to the extent necessary to resolve the conflict.

3. Changes to this Agreement: We may change this Agreement at any time by giving notice to you. We will notify you of a change to this Agreement by posting a notice on our Website. Your use of your Brim Account after we post the notice means that you agree to and accept this Agreement as amended. If you do not agree to a change in this Agreement, you must immediately stop using your Brim Account.

4. Changes to the Services: You understand that we may add, remove or change any part or feature of the Services, including your Brim Account, the Information Services or the Website at any time, without giving notice to you.

5. Interpretation: Capitalized terms used in this Agreement are defined in Part E below. Part B: User ID, Passwords, Instructions and E-mail

6. Use: You must use your User ID and Password to access your Brim Account. You may also be required to answer your Security Question when accessing your Brim Account.

7. Passwords: You agree to keep your User ID, Password and Security Question absolutely confidential; they are for your use alone. You will not disclose to others (including a close family member, a friend or any bank or public official) what your Password or Security Question are. You must carefully select your Password and Security Question so that they cannot be easily guessed or reverse engineered by anyone else.

If you have enabled a biometric fingerprint recognition feature as your Password to sign on to your Brim Account or access any Services, any fingerprints stored on your Electronic Device will be able to access your Brim Account. You are not able to assign or restrict which fingerprint(s) can access your Brim Account. Providing your Electronic Device password to a third party or allowing a third party to add their fingerprint to your Electronic Device may provide them access to your Brim Account.

8. ID, Password or Personal Verification Questions Becomes Known: If you suspect that someone else knows any of your Password, Security Question or Secret Answer, or is using your User ID, you must change your Password and Personal Securirty Question immediately and you must notify us by telephone or in person as soon as possible (and in any case within 24 hours after learning or suspecting such loss or use) at 1-866-305-BRIM (2746) or 647-251-BRIM (2746) (collect) and follow the instructions that we give to you.