I authorize the Bank to issue a Login ID and temporary password on my behalf. I acknowledge that I have received, read and agree to the terms and conditions of the AVB Bank Cash Management Agreement. I understand the importance of maintaining confidentiality and security of the login ID and password and agree that AVB Bank may perform any transactions initiated under the login ID and password without an authorized signature. I understand that if I share the login and password with any person, I am granting them access to the accounts and permission to transact business the accounts; therefore, I assume all risk associated with their access.