User Level deals with cryptography and Netscape’s Secure Sockets Layer (SSL) protocol, and is the first line of defense used by all customers accessing our Home Banking Server from the public Internet.

There are several components of User Level security that ensure the confidentiality of information sent across the public Internet. The first requires your use of a fully SSL-compliant browser such as Netscape Navigator or Microsoft Internet Explorer. SSL is an open protocol developed by Netscape that allows a user’s browser to establish a secure channel for communicating with our Internet server. SSL utilizes highly effective cryptography techniques between your browser and our server to ensure that the information being passed is authentic, cannot be deciphered, and has not been altered en route. SSL also utilizes a digitally signed certificate which ensures that you are truly communicating with the Home Banking Server and not a third party trying to intercept the transaction.

After a secure connection has been established between your browser and our server, you then provide a valid User ID and Security Code to gain access to the services. This information is encrypted, and a request to log on to the system is processed. Although SSL utilizes proven cryptography techniques, it is important to protect your User ID and Security Code from others. We recommend using a full 8-digit Security Code and changing it often. Session time-outs, a limit on the number of logon attempts, forced Security Code change intervals, and special browser caching techniques are examples of other security measures in place to ensure that inappropriate activity is prohibited at the User Level.

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