ONLINE BANKING > Privacy and Security > Online Banking Security Statement

ONLINE BANKING SECURITY STATEMENT

New Omni Bank, N.A.’s (“Omni”, “we”, “our” or “us”) commitment to protect our customers’ (“you” or “your”) information and privacy extends to your online banking. While our Privacy Policy for Consumers is the same whether you are online or not, we have taken extra measures to protect your privacy when you bank online with us for consumer (not business) purposes. Customer information means personally identifiable information about a customer.

Always keep in mind that New Omni Bank, N.A., will not send you unsolicited emails with embedded links or pop-up windows that ask for confidential information. We will never ask you to provide personal information or account information via our Web site or by email. If you ever receive a suspicious request for confidential information that purports to be from New Omni Bank, N.A., do not respond to it and do not click on any links that it provides. Report the request to any of our Customer Relationship Personnel or Operations Officer at any of our locations.

This Online Banking Security Statement is for general guidance and subject to change. Please review it periodically.

Security Architecture

To guard your nonpublic confidential customer information, we maintain physical, electronic, and procedural safeguards that comply with federal regulations. Our network is designed to provide a secure and encrypted environment for online banking, and is comprised of a number of components which together define the frame work for a comprehensive security solution.

At New Omni, our online banking system features password-controlled system entry, Secure Sockets Layer (SSL) protocol using 128-bit key algorithm for data encryption, and VeriSign-issued Digital ID certificate that enables SSL encryption for our Web server. All traffic between New Omni and you - our customers, is encrypted as it traverses the public network.

Encryption is a data security technique used to protect information from unauthorized inspection or alteration. Information is encoded so that it appears as a meaningless string of letters and symbols during delivery or transmission. Upon receipt, the information is decoded using an encryption key.

SSL is the leading security protocol for data transfer on the Internet. This technology scrambles your account information as it moves between your personal computer’s browser and New Omni’s computer systems. When information is scrambled, or encrypted in this way, it becomes nearly impossible for anyone other than New Omni to read it. Further, your information requests must first filter through a router and firewall before they are permitted to reach the server. Using these technologies, along with our established internal operating system controls, intrusion detection processes and monitoring, your online banking transactions are secure.

Forgot Your Password, ImageKey, Incorrect ImageKey, & User Support

We are available to serve you during regular working hours. Please visit or contact the Operations Officer or Customer Relationship Personnel of your branch (click here for location address and phone number) if:

• You forgot your Online Banking password.
• You experienced LOGIN difficulties.
• You experience problems using Online Banking features.

Regarding Personal Computer

You will need a personal computer with:

• Internet Access (ISP Internet Service Provider).
• Internet browser with 128-bit Secure Sockets Layer (SSL) encryption: Microsoft Internet Explorer 6.0 (or greater) or Netscape Communicator 6.1 (or greater). To download the newest version of these browsers, visit the Microsoft Internet Explorer Download Site or the Netscape Communicator Download Site.
• Current version of anti-virus and anti-spyware software. You will need to turn on the automatic updates feature to guard against new viruses.
• A personal firewall to help prevent unauthorized access to your home computer.

To determine if your browser supports 128-bit encryption:

• Click “Help” in the toolbar of your Internet browser.
• Click on “About (browser name)”.
• A window will appear:
  - For Internet Explorer: next to “Cipher strength” you should see “128-bit”.
  - For Netscape: you should see “This version supports high-grade (128-bit) security with RSA Public Key Cryptography”.

How do I know if my banking session is encrypted?
You can determine if encryption is being used on a given Web page by looking for the “Closed Pad Lock” icon in the lower portion of your window browser.

Regarding Cookies

Cookies are pieces of data assigned by a Web server to the browser on your PC. Cookies help Web sites to keep track of your preferences, recognize return visitors, and create summary statistics. So, when you return to a Web site you have visited before, your browser gives this data back to the server. Contrary to reports about cookies and online privacy, cookies do not contain viruses and most cannot reveal any personally identifiable information about you unless you willingly provide it as a user on a site.

At New Omni, we use cookies to make your online experience with us more personalized based on the level of interest in the types of products and services you have or desire. Visitors to our Website remain anonymous. We do not collect identifying information about visitors to our site. As a matter of security, we do not embed customer’s Social Security number, account number(s) or password in our cookies. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. However, if you choose to reject cookies, you cannot bank online with us. Also, browsers that reject cookies may not be able to log on to your favorite sites or use the features you like most within those sites.

When you are banking Online, we recommend that you complete your online transactions and log off before surfing to other sites or turning off your personal computer. We also suggest that you do not surf to other sites during your online banking session.

Web Site Links

The links in Omni’s Web site will let you leave Omni’s site. These linked sites are not under the control of Omni and Omni IS NOT RESPONSIBLE FOR THE CONTENT AVAILABLE ON OTHER INTERNET SITES. These links are provided as a convenience to you, the user. The privacy and security policy of any linked/external third party Websites may differ from Omni’s. Omni is not responsible for and does not endorse the information, content, presentation or accuracy, nor makes any warranty, express or implied, regarding any linked/external third party sites. If you are asked to provide information on one of these sites, we strongly urge you to carefully study their privacy policies before sharing or providing your personal or confidential information.

Electronic Mail (“email”)

New Omni Bank, N.A. recognizes email as a simple and cost effective method of communication. However, requests and inquiries requiring immediate attention SHOULD NOT be sent by email. A bank representative may not be able to immediately review your email message.

Due to the inherent security issues associated with the Internet, messages sent by email may not be secured, may be intercepted by third parties, can potentially be monitored and read by others, and their privacy and confidentiality are not guaranteed by Omni. To protect your privacy and security, in your e-mail, we advise that you DO NOT include confidential personal information such as your Social Security number, date of birth, driver’s license number, or confidential account information such as your account number, credit card number, cash/debit card number, loan number, user code, PIN, or password. E-mail messages will not serve as a sufficient method for any requirement imposed on you to provide written notice, nor may any e-mail messages be used to place a stop payment on a check, report an unauthorized transaction, cancel a bill payment, request account transfers, or report lost or stolen banking codes, cards, or checks.

If you have a question about your account or need an immediate response, please visit or call us at one of our branch locations nearest you.

Protecting Children’s Privacy Online

We do not knowingly market to or solicit information from children under 13 without parental consent. We recognize that protecting children’s identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents. While New Omni Bank, N.A., works to protect your personal information, you also have responsibility.

• Internet safety for children. The Internet is a public network. Children’s access to the Internet can allow them to visit inappropriate Web sites and be exposed to unwanted risks. Kids could expose their families to identity theft as well. COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from the online collection of personal information. Learn more about COPPA on the Federal Trade Commission’s Web site. Parents can be proactive by installing filtering software that gives them more control over their family’s Internet experience.
• Cyber ethics for children. Cyber ethics is the practice of being a good citizen on the Internet superhighway. Kids should understand the rules of the road, too. Learn more by visiting the U.S. Department of Justice’s kids and youth Web site.

This disclosure of our Online Banking Security Statement, effective April 1, 2006, applies to consumers. We reserve the right to make changes to this statement at any time. If we make changes to this statement or make any material changes to our online services, we will revise this Online Banking Security Statement to reflect such changes and revise this statement’s effective date.