Final answer:
A safe harbor is a legal provision that protects against liability for certain actions, and a bank may use safe harbors to protect itself from damages. Temporary digital network communication, online forums, and system caching are examples of safe harbors, but information location tools are not.
Step-by-step explanation:
A safe harbor is a legal provision that offers protection against liability for certain actions. It is typically used by organizations to ensure they are not held liable for damages in specific situations. In the context of a bank, safe harbors may include temporary digital network communication, online forums, and system caching. However, information location tools are NOT considered to be a safe harbor.