Community State Bank Security Policy

CommunityStateBank.net (Online Banking) is a VeriSign Secure Site

We know that Security is a primary concern of our online customers. That's why we have registered our secure Web site with VeriSign. VeriSign helps to ensure the authenticity of our Web site. At any time within our site, we encourage you to "click" on the VeriSign icon shown in the footer of each page. This will enable you to verify that the information is consistent with our Web site address. Upon verifying that the information is correct, you may submit credit card and other sensitive data, with the knowledge that:

This site has a VeriSign Secure Server ID.

VeriSign has verified the organizational name and that UFS and Community State Bank have the proof of right to use it.

This site legitimately runs under the auspices of Community State Bank. Customer information is sent over the Internet by means of advanced encryption technology, protecting your communications from unauthorized disclosure.

Secure Access and Verification of User Authenticity

In order to access our Online Banking service, a user must enter a unique Access ID (User Name) and Password. Our system allows three (3) invalid sign-on attempts before preventing a potential user from further login attempts. After three unsuccessful sign-on attempts, the system may lock the user out for an hour. Continued unsuccessful logins may require the Community State Bank to issue a replacement Access ID and Password.

Some browser software may store User Names and Password to make it easier when you revisit a website. For security reasons, you must disable this feature in your browser. Check your browser Help screen for more information on this feature. Please note that, if you enable this feature, others may be able to access your account without your knowledge or authorization.

Secure Data Transfer

Once the server session is established, the user and the server are in a secure environment. Because the server has been certified as a 128-bit secure server by VeriSign, all customer information traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol.


Display of Information

Your Password will not be displayed on your computer screen or, after the initial registration, in any form of correspondence with Community State Bank.

Timer

Our Internet banking system has a built-in timer that will terminate your session if you are not actively using the system.

Network Security and Monitoring

Electronic requests received over the Internet by Community State Bank are subject to monitoring and validation to help ensure their authenticity and appropriateness.

Electronic requests are filtered through a combination of computer hardware and software designed to protect against inappropriate requests. This is accomplished by filtering all Internet traffic, and only allowing the traffic that is necessary to send acceptable data requests, such as retrieving web pages or sending inquiries, to the Bank's servers. We also monitor Internet traffic for suspicious or potentially harmful activity, and take appropriate actions to guard against such traffic.

We take these measures to help ensure that only authorized users are permitted access to the Bank's servers, and that such users are able to perform only appropriate functions.

E-Mail

Regular, non-encrypted Internet e-mail may not be secure. For security reasons, we recommend that you use e-mail only for general inquiries that do not involve sensitive or confidential information. If you are uncertain about the security of e-mail or the confidentiality of any message, you can contact us by phone at (262) 878-3763, by mail at Community State Bank, attn: Customer Service Department, 1500 Main Street, Union Grove, WI 53182, or by visiting one of our offices.

Linked Sites

We sometimes link other sites to this site. If you leave our website through such a link, you may not be subject to the security measures described above.

Your Browser's Security

We require the use of a secure browser with 128-bit encryption to access account information and perform transactions. Microsoft® Internet Explorer, Netscape Navigator®, and Netscape Communicator are all secure browsers. However, the 128-bit encryption is an optional feature and may not be available outside of the United States and Canada.

Since 128-bit encryption is optional for some versions of Microsoft and Netscape Internet browsers, you should check your browser for its encryption level. If you are using Microsoft Internet Explorer version 4.0 or above, you may check to determine if your browser has 128-bit encryption by clicking on Help and About in your browser's menu.

If your browser does not meet the 128-bit encryption security requirements of Community State Bank, you may click on one of the following links to download the required components (for Microsoft Internet Explorer) or an upgraded browser (for Netscape Navigator).

Microsoft Internet Explorer/Netscape Navigator

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

Secure browsers employ secure sockets layer (SSL) technology to communicate with servers. This technology encrypts - or scrambles - your account information so it's almost impossible for anyone other than the Bank to read it.

You can identify that your online information is encrypted in Netscape if the small key or lock at the bottom, left-hand corner of your screen is unbroken. If you are using a Microsoft browser, you will see a lock appear during an encrypted session.

Your Responsibility

While Community State Bank takes reasonable action to protect the confidentiality of your online information, we can't do it alone. You also share in the responsibility for the security of your account information and should always follow the recommendations listed below.

• Never reveal your login Password to anyone - ever! You are the only one who should know your Password. Community State Bank generates a password from your Dial Direct (telephone account access system) or, if you do not have a Dial Direct password, uses the last four digits of your Social Security Number.

• We require that you change your Password after your first logon, and recommend that you change your Password at regular intervals. While we will make every reasonable effort to maintain the privacy and security of your account information, we cannot be responsible for the confidentiality of your Password once you have established it. No employee of Community State Bank is authorized to contact you and ask for your identification and password.

• Don't leave your PC while you are logged in to the online banking system.

• Use the Logout button to leave the service when you finish your online banking session, before visiting other Web sites.

• Clear your browser's cache in order to remove copies of web pages that may have been stored temporarily on your system if other people have access to your PC. Refer to your browser's "Help" file for instructions on clearing your cache.

• Change your Password immediately online if you suspect that someone knows your Password. Simply log in using your Access ID and Password. Once you are logged in, go to the Options tab at the top and click on the link that reads "Change Password". This will allow you to designate a new Password. You will then be asked to sign on again. Always keep in mind that you should NEVER share your password with anyone.

Changes

We may add to, delete from, or otherwise change the terms of our security policies and procedures from time to time. We may notify you of the changes by mail, e-mail, or by posting a modified Policy on our web site. Your continued use of this site or any Online service following such notification will constitute your acceptance of the revised Policy. Accordingly, please check this site regularly for revisions.