One such additional security precaution is dual control.  The term “dual control” refers to a process in which the active involvement of two people is required to complete a particular transaction.  Dual control is one of the foundations of online banking and information security because it is based upon the premise that both parties would have to be in collusion for a security breach to occur.  The system enables your Authorized Agents to set rights and privileges for your users to be initiators and/or approvers of online banking transactions.  If dual control is implemented, then a transaction requires one individual to initiate the transaction and a separate individual to approve the transaction in order for Bank to process the transaction.  Because no one security method or combination of methods is failsafe, you must ensure that your network and all computer systems are updated, protected against intrusion and otherwise administered in accord with best practices.
You represent and warrant to Bank that the Authorized Agents are authorized by you to give instructions to Bank for Transfers and matters related to Transfers with respect to all Accounts (or, if fewer than all Accounts, the specific Accounts described on an Appointment Form).  You agree that Bank will have no liability to you or anyone claiming through you for any loss resulting, directly or indirectly, from a person representing himself or herself to be an Authorized Agent.  Any instruction which is provided by an actual or apparent Authorized Agent will be deemed correct.
Each of your Accounts at River City Bank is also governed by the applicable account agreement(s) and disclosure statement(s) (collectively, the “Deposit Agreement and Disclosure”).  It is Customer’s responsibility to ensure that a copy of this Access Agreement and the Deposit Agreement and Disclosure is provided to each signer, Authorized Agent, Services user, and all owners and beneficiaries of the Accounts.

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THE PARTIES WAIVE, TO THE EXTENT PERMITTED BY APPLICABLE LAW, TRIAL BY JURY IN ANY LITIGATION IN ANY COURT WITH RESPECT TO, IN CONNECTION WITH, OR ARISING OUT OF THIS ACCESS OR ANY INSTRUMENT OR DOCUMENT DELIVERED IN CONNECTION WITH THIS ACCESS AGREEMENT OR THE TRANSACTIONS CONTEMPLATED HEREBY, OR THE VALIDITY, PROTECTION, INTERPRETATION OR ENFORCEMENT THEREOF, OR ANY OTHER CLAIM HOWSOEVER ARISING (INCLUDING TORT AND CLAIMS FOR BREACH OF DUTY BETWEEN THE PARTIES HERETO) RELATED TO THIS ACCESS AGREEMENT.
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