Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, Secure Sockets Layer (SSL) protocol for data encryption and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity
To begin a session the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a “3 strikes and you’re out” lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring a phone call to the bank for verification before re-entry into the system is allowed.

Secure Data Transfer
Once the server session is established, the user and the server are in a secured environment. Data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol.

User Responsibilities
While our service provider continues to evaluate and implement the latest improvements in Internet security technology, users of the online banking system also have responsibility for the security of their information and should always follow the recommendations listed below:

• Your Security Code must be kept confidential. You must follow our specific parameters for a Security Code and change it frequently to ensure t hat the information cannot be guessed or used by others. Be sure others are not watching you enter information on the keyboard when using the system.
   
• Never leave your computer unattended while logged on to the online banking system. Others may approach your computer and gain access to your account information if you walk away.
   
• Click Exit when you are finished using the system to properly end your session. Once a session has been ended, no further transactions can be processed until you log on to the system again.
   
• Close your browser when you are finished, so that others cannot view any account information displayed on your computer.
   
• Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the online banking system.
   
• Report all crimes to law enforcement officials immediately.

When you follow these simple security measures, your interaction with the online banking system will be completely confidential. We look forward to serving your online banking needs both today and in the future. Feel free to contact us with any security questions or concerns you may have.

As a part of the Bank's overall customer information technology awareness program, the Bank recommends the following actions to prevent spyware from being downloaded on their computers:

1. Installing and periodically updating anti-spyware, virus protection and firewall software;
2. Adjusting browser settings to prompt the user whenever a website tries to install a new program or Active X control;
3. Carefully reading all End User Licensing Agreements and avoiding downloading software when licensing agreements are difficult to understand;
4. Maintaining current patches to operating systems and browsers; and
5. Not opening e-mail from untrustworthy sources.