About "cookies"
To provide better service and a more effective web site, we use "cookies" as part of our interaction with your browser. A "cookie" is a small text file placed on your hard drive by our web page server. We do not use cookies to get data from your hard drive or to get your email address or personal identifying information.
Cookies are commonly used on web sites and do not harm your system. By configuring your preferences or options in your browser, you determine if and how a cookie will be accepted. We use cookies to determine if you have previously visited our web site and for a number of administrative purpose.

How We Handle E-Mail
When you send us an e-mail to comment on something or to ask a question, we will use your e-mail address to reply to you and for a limited time we will store your e-mail address, your message and our response for quality assurance. We may also do this to meet legal and regulatory requirements. If we collect your e-mail address in this manner, we won't use it to let you know about our products and services unless you have given us permission.
This information is not given or sold to any other organization.

E-Mail Security
Regular non-encrypted Internet e-mail is not secure. In the instances where our Internet e-mail addresses are provided, these are provided for information inquiries of a non-sensitive and non-confidential nature. E-mail you send us may not be secure unless we advise you that it is secure prior to transmitting your message. Therefore, we recommend that you not send us confidential information such as account numbers via unsecured email. You may also contact us by phone, U.S. mail or by visiting your nearest dealer.

Protecting your privacy online
Whenever we ask for personal information on our web site, we use Secure Socket Layer (SSL technology) for transferring data. This technology encrypts - or scrambles - your account information so it's virtually impossible to read by anyone other than employees at our Bank.
Secure Socket Layer (SSL) technology secretly encodes information that is being sent over the Internet between your computer and our Bank, helping to ensure that the information remains confidential.
The use of SSL requires that you have an SSL compatible browser. While older browser versions may support SSL sessions, we strongly recommends the following browsers.
• Windows and Unix operating systems: Netscape Navigator 4.08 of later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.01 or later.
• Macintosh: Netscape Navigator 4.08 or later, Netscape Communicator 4.7 or later and Microsoft Internet Explorer 4.5 or later.
You can download the latest version from either of the links below.
Microsoft Internet Explorer
Netscape Navigator

PROTECTING YOUR CHILDREN
Our website is not targeted or marketed to children under the age of thirteen. We respect the privacy of your children, and we comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly collect or retain personally identifiable information from consumers under the age of thirteen.