Security Information

We understand that protecting the confidentiality of your financial information is of critical importance. We use several layers of technology to ensure this confidentiality. 128 bit Encryption. Credit card information and or check numbers are never stored on our servers.

Browser Encryption

We require the use of a secure browser with 128-bit encryption to access account information and perform transactions online. Microsoftâ Internet Explorer, Netscape âNavigator and Netscapeâ Communicator are all secure browsers. If you are not using one of these browsers, or feel your browser does not meet the security requirements use one of the following links to download an upgraded browser.

	Microsoft® Internet Explorer 5.0+ 128-bit version
	Netscape Navigator® 4.0+
	http://www.aol.com/downloadaol.adp To upgrade to the enhanced Internet Explorer web browser with 128-bit encryption: If you have America Online, use the keyword UPGRADE.

Remember that once you’ve downloaded the proper browser, you must install it on your computer. Follow the browser manufacturer’s instructions that appear on your screen.

Secure browsers employ secure socket layer (SSL) technology to communicate with servers. This technology encrypts-or scrambles-your account information so it’s virtually impossible for anyone other than your bank to read it. 128-bit encryption is the latest encryption technology available.

What is SSL?

SSL is a protocol to provide secure communications on the Internet. SSL does three things:

1. SSL authenticates that the server you’ve connected to is the one it purports to be. You can be assured that you are actually communicating with the bank, and not a third party trying to intercept the transaction.

2. SSL creates a secure communication channel by encrypting all communication between the user and the server.

3. SSL conducts a cryptographic word count to ensure data integrity between the server and the user. The word count or checksum provides a count of the number of bytes in a document and ensures the exact number of bytes is transmitted and received. If a message is not received in its entirety, it is rejected and another copy of the message is sent automatically.

How can I tell when my connection is secure?

The padlock icon on your browser, indicating a secure connection, should appear locked After you have successfully logged in to the website. The padlock icon may not appear locked on screens where you are not logged on and where we display general information about our products. However, you can be certain that any screen which requests information about your account, username, payment info or any sensitive information is encrypted.

Network Security and Monitoring

Firewalls and Intrusion Detection Systems are used to shield our Bank systems and proprietary network from any unauthorized Internet traffic. The purpose of a firewall is to ensure only authorized traffic is allowed to pass to our Bank systems and networks—all other traffic from the Internet is rejected. Firewalls also create logs of network traffic that allow for centralized auditing and security monitoring. Intrusion Detection Systems allows us to watch for unusual activity or attempts to "hack in" to our system. Once your information has been entered, we use an encrypted network to transport data between all our systems to make online banking secure and to protect your personal information. Ensuring the security of your financial transactions is an ongoing process. As such, we employ around the clock security monitoring of the Online Banking systems and network.

SECURITY DEFINITIONS

Encryption: A method of scrambling information while it moves from one source to another to prevent others from reading it.
Online Security: The State Bank makes certain security recommendations to help protect your account.
Online Purchasing: Buying goods or services by credit card over the Internet.
Secure Browser: An Internet browser that has SSL encryption version 4.7 or higher to conduct secure financial transactions over the Internet. To download the most secure version, visit http://home.netscape.com/download/index.html for Netscape or http://mssecure.www.microsoft.com/windows/ie/default.htm for Microsoft Internet Explorer.
Secure Socket Layer (SSL): A form of encryption that protects information being transmitted over the Internet to prevent tampering while it's in transit.
Secure Transaction: A transaction that is protected from outside tampering.
Firewall: Firewalls are used to shield our network from the Internet.

PROVIDING PRIVACY INFORMATION TO CUSTOMERS AND RESPONDING TO INQUIRIES

We recognize and respect the privacy expectations of our customers. We want our customers to understand our commitment to privacy in our use of customer information. Customers who have questions about this Privacy Notice or have a question or complaint about the privacy of their customer nonpublic personal information should call our Privacy Officer at 1-585-797-8385 or send an email to bstawnings.com.