Our online banking system is designed to protect your information and privacy. Here are some of the security measures we have in place.

---

Strong Encryption
Information exchanged between your computer and our web server is secured through encryption. Encryption converts the information into a form that is unreadable as it travels along the internet. You must have a browser that supports strong encryption to access the system (in technical terms, the browser must support 128-bit encryption).

---

Secure Login
Our online banking system allows you to choose a secret picture. For all subsequent logins from that point, our website will identify itself to you once you enter your username by showing you this picture. The picture confirms that you have reached our website and not a fraudulent website attempting to deceive you into divulging your personal information.
You are then required to enter your login credentials in order to gain access to the online banking system.

---

Password Protection
To protect your password, our system will periodically request that you change your password. When changing your password, you will be shown whether your password is considered weak, medium or strong. Strong passwords are harder for a fraudster to guess. Please do not reveal your password to anyone and please commit your password to memory rather than writing it down where others may find it.

---

Automatic Logout
You should always log out of the online banking facility when you are done. If you forget, our system will automatically log you out after a period of time.

---

Protecting your Privacy
In order to protect your personal information, you may be asked to enter security credentials before gaining access to pages that contain your address, phone number, and login credentials. Providing these credentials will confirm your identity so that only you can see and modify your personal information.

---

Fraud Protection
In order to protect you against fraudulent transactions, you may be asked to enter security credentials for any transaction that moves funds out of the bank (for example, a transfer to an external account or a bill payment).

• Always keep your virus protection software up-to-date. This will help protect you against programs that attempt to install themselves onto your computer hoping to capture personal information. Anti-spyware protection is also recommended to prevent against malicious programs.
• Always keep your computers operating system up-to-date. Check regularly for the availability of security-related patches.
• Always verify the banks website name in your browser. In Internet Explorer, look at the Address and in Netscape Navigator, look at the location in the Navigation Toolbar.
• Never send e-mail that contains your personal information. This may include your address, account numbers, credit card numbers, and login credentials. E-mail is not encrypted and can be intercepted. To send us confidential information, log into your online banking account and use our Secure Message service. Never respond to an e-mail that asks you to click on a link to connect to the bank. These e-mails are scams (called "phishing" scams). We will never send you e-mail or call you asking you to provide us with personal information. Please contact your bank representative if you receive such an e-mail or phone call.
• Avoid using software features that remember your password. These features provide convenience but can reveal your password to someone else using your machine.
• Avoid doing your banking from a public computer (for example, a library, cafe, or airline lounge).