informationonline

ConductingYourTransactionsOnlineFederalfinancialregulatorsarereportingthatInternetthreatshavechangedsignificantlyoverthepastseveralyears.
Sophisticatedhackingtechniquesandgrowingorganizedcyber-criminalgroupsareincreasinglytargetingfinancialinstitutions,compromisingsecuritycontrols,andengaginginonlineaccounttakeoversandfraudulentelectronicfundstransfers.
Inordertohelpensurethesecurityofyouronlinetransactions,wewantyoutoknowthat:TWewillneveremail,callorotherwiseaskyouforyourusername,passwordorotherelectronicbankingcredentialsTYoucanhelpprotectyourselfbyimplementingalternativeriskcontrolprocesseslike:SMakingsureyouchooseanadequateusernameandpasswordthat,ataminimum,mixesinsmallcaseletters,uppercaselettersandnumbersSPeriodicallychangingyourpassword(e.
g.
,atleastevery90days)SSafeguardingyourusernameandpasswordinformationSMakingsureyouhaveafirewallinplacewhenconductingyourfinancialtransactionsSLoggingoffthesystemwhenyou'redoneconductingbusiness(don'tjustclosethepageor"X"outofthesystem)SMonitoringyouraccountactivityonaregularbasisInaddition,wemayrequireownersofcommercialaccountstoperformtheirownriskassessmentsandcontrolsevaluations.
Forexample:TMakealistoftherisksrelatedtoonlinetransactionsthatyourbusinessfacesincludingConductingYourTransactionsOnlinepromptlyreportanyerrorsorunauthorizedtransactions.
SeetheElectronicFundTransferdisclosuresthatwereprovidedataccountopeningformoreinformationonthesetypesofprotections.
Thesedisclosuresarealsoavailableonline(oraskusandwewillgladlyprovideyouwithacopy).
Ifyoubecomeawareofsuspiciousaccountactivity,youshouldimmediatelycontacttheauthoritiesandcontactusatthenumberlistedbelow.
ConductingYourTransactionsOnlineCYTO-BRO11/1/2011WoltersKluwerFinancialServices2011SPasswordsbeingwrittendownandleftoutintheopenSTheuseofoldorinadequatepasswordsSThepossibilityofinternalfraudortheftSDelaysinterminatingtherightsofformeremployeesSThelackofdualcontrolorotherchecksandbalancesoverindividualaccesstoonlinetransactioncapabilitiesTAnevaluationofcontrolsyourbusinessusesmayincludeSUsingpasswordprotectedsoftwaretohousepasswordsinSConductingemployeebackgroundchecksSInitiatingapolicyandprocesstoterminateaccessforformeremployeesSSegregatingdutiesamongtwoormorepeoplesonoonepersonhastoomuchaccessorcontrolSConductinginternalorthirdpartyauditsofcontrolsSUsingfirewallstoprotectfromoutsideintrusionorhackersFederalregulationsprovideconsumerswithsomeprotectionsforelectronicfundtransfers.
TheseregulationsgenerallyapplytoaccountswithInternetaccess.
Forexample,thesefederallawsestablishlimitsonaconsumer'sliabilityforunauthorizedelectronicfundtransfers.
Theyalsoprovidespecificstepsyouneedtotaketohelpresolveanerrorwithyouraccount.
Note,however,thatinordertotakeadvantageoftheseprotections,youmustactinatimelymanner.
Makesureyounotifyusimmediatelyifyoubelieveyouraccessinformationhasbeenstolenorcompromised.
Also,reviewyouraccountactivityandperiodicstatementandSIDNEYSTATEBANK3016WSIDNEYRDSIDNEYMI48885989-328-2501www.
sidneybank.
com