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| Security Statement |
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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.
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| Secure Access and Verifying User Authenticity |
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To begin a session with the bank's server the user must key in a Log-in ID and a password. The 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.
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| Secure Data Transfer |
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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.
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| Secure Access and Verifying User Authenticity |
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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.
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Using the above technologies, your Internet banking transactions are secure.
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