Host Level deals specifically with our home banking and bill payment services, and the processing of secure financial transactions.

After passing through the Home Banking Server, the transaction is sent via secure dedicated communication lines to our Transaction Server which verifies customer identity. Once authenticated, the customer is allowed to process authorized home banking and bill payment transactions using host data. No direct database access occurs between the Home Banking Server and the Transaction Server. Only specific transactions in the proprietary format are allowed into the Transaction Server

Protocol conversions have also been implemented to ensure that information does not remain in a single state of existence, further securing the information at any given point in the transaction process. In addition, communication time-outs ensure that the request is received, processed, and delivered within a given time frame. Any outside attempt to delay or alter the process will fail. Further password encryption techniques are implemented at the host level, as well as additional security logging and another complete physical security layer to protect the host information itself. User Responsibilities

While we continue to evaluate and implement the latest improvements in Internet security technology, users of the home banking system also have responsibility for the security of their information and should always follow the recommendations listed below: Utilize the latest version of either Netscape Navigator or Microsoft Internet Explorer. The home banking system is best viewed and is most secure when you use one of these two browsers, as they are both certified for use at our site. Your Security Code must be kept confidential. Utilize a full 8-digit Security Code and change it frequently to ensure that 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.

The Home Banking Server is protected using the latest and most powerful firewall platform. This platform is based on a government-rated B1 trusted operating system, in use for many years by high-security government agencies including the U.S. Department of Defense. This platform defends against every kind of system intrusion and effectively isolates all but approved customer financial requests. The platform secures the hardware running the home banking applications and prevents associated attacks against all systems connected to the Home Banking Server. Administration of the platform cannot occur remotely and must be initiated by authorized personnel in direct physical contact with the master console. Thus, a level of physical security has been implemented that rivals some of the most secure government facilities.

Additional measures to ensure the security of information involve the separation of server applications from host data. This means that information of value does not physically reside on the Home Banking Server. Logging of security information occurs at all times and there is always a backup of the information logged about every attempt made to access the system. These security logs allow us to constantly monitor for a wide range of anomalies and to determine if attempts have been made to breach our security framework.

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