CUSTOMER ACCOUNTS AT COMMUNITY BANK SAFEGUARDS WHEN CONDUCTING YOUR TRANSACTIONS ONLINE

Internet threats such as computer hacking, scams, and organized cyber-criminal activity have increased dramatically over the past several years. These threats are targeting financial institutions as well as personal home computers and business computers and compromising security controls and activating online account takeovers and fraudulent electronic funds transfers and payments.

Community Bank takes seriously the protection and security of your account information. To ensure the protection of your financial information, the bank has policies, procedures, encrypted software, firewalls, and intrusion detection devices in place to guard against these internet threats.

WE WILL NEVER EMAIL OR CALL YOU AND ASK FOR YOUR USER ID, PASSWORD, CHALLENGE QUESTIONS, OR ANY OTHER ELECTRONIC BANKING CREDENTIALS.

There are safeguards you should take to ensure the security of your online transactions:

--Never open unsolicited email or click on embedded hyperlinks inside of the unsolicited email.

--Make sure you select adequate passwords that combine upper case letters, lower case numbers, numbers, and even special characters. Keep this information in a secure place.

--Change your password every 60-90 days.

--Log off and completely close your internet browser when you are finished.

--Have a firewall when conducting financial transactions.

--Review and monitor your account actively and on a regular basis.

Consumers are provided with some protections for electronic transfers and payments. Under federal law, there are limits on a consumer's liability for unauthorized fund transfers. There are specific steps you need to take to help resolve an error with your account and this must be done in a timely manner. Please notify the bank immediately if you believe your internet access information or other information on your account has been stolen or compromised.

Commercial banking customers should also evaluate their risks and security controls:

--Are you terminating the rights of former employees on a timely basis?

--Do you regularly audit for possible internal fraud or theft?

--Are you securing your password information and changing passwords regularly?

--Do you limit employee access levels and use dual control on internet transactions?

IF YOU BECOME AWARE OF ANY SUSPICIOUS ACCOUNT ACTIVITY, PLEASE CONTACT THE BANK IMMEDIATELY AT 903-236-4422; AND YOUR LOCAL LAW ENFORCEMENT AGENCY.