Privacy Statement

We are committed to providing the highest level of security and privacy regarding the collection and use of our online banking customers' personal information, as well as that of all visitors to our website. Personal information may be collected through online banking transactions, or through the use of online financial tools such as interactive calculators.

We respect your financial privacy and comply with laws and regulations designed to secure that privacy. Keeping your information secure and ensuring your understanding of how we use that information is important to us. Your relationship with us is important, and our goal is to help you understand how the personal information you choose to share with us is maintained.

The personal information you make available to us is stored by us for specific business purposes, to protect and administer your personal accounts and transactions, to comply with state and federal banking regulations, and to help us to better understand your financial needs in order to design or improve our products and services.

We employ stringent security measures in maintaining the security and confidentiality of information submitted on our website. On-Line access to your accounts is provided though a secure site. Secure Web browsers support encryption technology, which helps prevent unauthorized users from viewing your account information as it travels over the Internet. We practice the same measures of securing your personal information regardless of whether it is obtained on our website or in person.

We limit employee access to your personal information to only those bank employees with a business reason for knowing such information. We also educate all employees about the importance of confidentiality and customer privacy.

If you end your customer relationship with us, or if we end our customer relationship with you, we will treat the information we have about you as if you were still our customer.

We follow strict privacy procedures in regard to protecting your personal information. We require all third parties with a business need to access this information to adhere to similar and equally stringent privacy policies. Personal information may be supplied to a third party in order to process a customer transaction; if the customer requests it; the disclosure is required or allowed by law (i.e. exchange of information with reputable reporting agencies, subpoena, or the investigation of fraudulent activity, etc.).

We do not require you to disclose any personally identifying information. If, however, you choose to contact us via e-mail, your e-mail address and any other information contained in your e-mail header will be revealed to us in the e-mail. If you communicate with us via e-mail, we will use your e-mail information only for the specific purpose of responding to your comments or questions. Your e-mail address will not be sold or shared with others outside the Bank unless we are compelled to do so by law or in connection with a criminal investigation.

We want to remind you that e-mail is not necessarily secure against interception. Any e-mail sent to us should not contain your account number, social security number, or personal identification number (PIN).

We reserve the right to change this policy at any time by posting a new privacy policy.

Cookies

We do not collect cookies while you are visiting our website.

If you have additional questions, regarding the privacy of your personal information, please contact us.

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, a VeriSign-issued Digital ID for the bank's server, 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 with the bank's server 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 either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet banking transactions are secure.