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NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS
This Notice applies to
both our current
and former customers.
We, our,
and us means The Business Bank.
You and
your means:
Our consumer customers who have a con-tinuing
relationship with us, including deposit, loan, or credit card accounts.
Individuals who do not have a continuing relationship
with us but who may use a financial product or service that we provide
in isolated transactions; for example, someone who cashes a check or
purchases a money order.
Nonpublic personal
information is information about you that we collect in connection
with providing you a financial product or service. Nonpublic personal
information does not include information that is available from public
sources, such as telephone directories or government records.
Going forward, we will use the word “information” to mean nonpublic
personal information as defined here.
Affiliate
is a company that we own or control, a company that owns or controls
us, or a company that is owned or controlled by the same company that
owns or controls us.
Nonaffiliated third
party is a person that we do not employ or a company that is
not an affiliate of ours. Going forward, we will use the words
“other party” to mean nonaffiliated third party as defined here.
INFORMATION WE COLLECT
We collect information
about you from the following sources:
Information you give us on applications or other
forms, such as your name, address, telephone number, social security
number, assets, liabilities and income.
Information about your transactions with us or
other parties, such as your account balances, payment history and account
activity.
Information we receive from a consumer reporting
agency, such as your payment history and creditworthiness.
CONFIDENTIALITY,
SECURITY AND
We restrict access to
your information to those employees who need to know that information
to provide products or services to you. We maintain physical, electronic
and procedural safeguards that comply with federal regulations to protect
your information.
SHARING YOUR INFORMATION
We are owned by a bank
holding company. We do not share your information with this affiliate.
We may share your information
with other parties:
- with financial service providers
that we have contracted with to provide services on your behalf, such
as, credit card and merchant card processors, mortgage lenders, investment
firms and insurance agents.
- with non-financial companies
that perform services on our behalf, such as, consumer reporting agencies,
check printers and our data processing provider.
Information is only provided
to these other parties as necessary to process or service a transaction,
product, or service that you request or authorize, or as permitted or
required by law.
Internet Banking Security Statement
With Business Connection Internet Banking, we use a full range of Internet security measures, including cryptography, routers and firewalls, and a trusted operating system to complete our overall security architecture.
Cryptography
Security on the Internet begins with your browser. In order to utilize Business Connection Internet Banking, you must use a browser that supports the Secure Sockets Layer (SSL) protocol. SSL allows you to securely send and receive encrypted data over the Internet. This protocol provides a secure channel for data transmission through its public/private key encryption capabilities. When you connect to the Internet Banking Vault Server, the session immediately goes through a "handshaking" process where the server sends a certified Digital ID to you, whereupon an "encrypted tunnel" is created between you and the server. This simply means that all requests by you and, subsequently, all replies by the server are encrypted using an extremely long and complicated key.
We recommend the following browser:
- Microsoft Internet Explorer 6..x
We support the following browsers:
- Microsoft Internet Explorer 6..x
- Microsoft Internet Explorer 5..x
- Netscape 7.x and higher.
- AOL 4.x
- AOL 7.x and higher
Currently we do not support Microsoft Internet Explorer 7.0, you may use it but you will need the latest patches and service
packs if using NetTeller.
Macintosh Only
- Mac PowerPC Netscape 7.x (If you are using this version you
may have trouble because you have purchased an API (brandable browser
from Netscape) that is based on Netscape version 7.0. Until CompuServe
upgrades the browser customers will continue to have login issues with
NetTeller, this has been an issue with MFA that has recently been
installed.
****Suggestion for this issue, Upgrade to Netscape 8.2.
Routers and Firewalls
Account information is protected by a series of filtering routers and firewalls that act as a barrier between the outside world and the internal bank network. The filtering router is the first component that you would pass through to gain access to your account information. Much like a security guard, the router is responsible for determining who has access to what components of Internet Banking. This is achieved with Access Control Lists (ACLs) which allow or deny specific services for a particular user.
The firewall is the next security component that you would pass through. The firewall provides a higher level of security and authentication of a customer request. The firewall takes advantage of the same type of ACLs that a router utilizes and tracks each request that was made, who made it, when it was made, where it was made from, and where it was destined. Each one of these items is used to determine whether the user is granted access to the requested destination and protects the internal bank network from outside access.
Trusted Operating System
The entire Internet Banking application resides within a trusted operating system. The trusted operating system acts much like a firewall by protecting sensitive and proprietary information from the outside world. The trusted operating system accepts your authorized requests for account information, retrieves the information from our database, and sends the information back to your browser in an encrypted format. The system also contains numerous audit controls to track requests and navigation. This audit control allows us to quickly identify any suspicious activity.
Your Responsibility
When an Internet Banking account is established, we will provide you with a username and password to access your accounts through the Internet. The first time you attempt to access your account, you will be prompted to change your password. It is important that you memorize your password and not convey it to anyone else. You must make sure that no one is watching as you enter your password and that you properly exit the Internet Banking session/browser before leaving the computer. The Internet Banking system allows you to change your password anytime and you should change your password frequently.
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