Security Statement

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.

Secure Access and Verifying User Authenticity

To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking 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 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.

Secure Data Transfer

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.

Router and Firewall

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.

Using the above technologies, your Internet banking transactions are secure.

Third Party Websites

First State Bank provides access to information, products or services offered on websites that are owned or operated by other companies ("third party websites"). We provide this access through the use of hyperlinks that automatically move you from and out of the First State Bank website to the third party website(s).

We do our best to provide you with helpful, trustworthy resources, however, First State Bank cannot endorse, approve or guarantee information, products, services or recommendations provided at a third party website. Because we may not always know when information on a linked site changes, First State Bank is not responsible for the content or accuracy of any third party website. First State Bank will not be responsible for any loss or damage of any sort resulting from the use of a link on its website nor will it be liable for any failure of products or services advertised or provided on these linked sites.

First State Bank offers links to you on an "as is" basis. When you visit a third party website by using a link on the First State Bank web site, you will no longer be protected by First State Bank's privacy policy or security practices. The data collection, use and protection practices of the linked site may differ from the practices of First State Bank. You should familiarize yourself with the privacy policy and security practices of the linked website. Those are the policies and practices that will apply to your use of the linked website, NOT First State Bank's policies and practices.