Last Updated July 30th, 2007
Salin Bank’s goal with Salin.com is to offer you the online convenience while maintaining an assurance of security for your financial and personal information. This Online Security Policy is designed to inform you about the terms and conditions of the security measures taken by Salin Bank & Trust Company with regard to Salin.com, and to suggest ways in which you can enhance the security of your financial and personal information. Should you have any questions or concerns about the security features or the terms and conditions, or if you need further assistance with regard to Salin.com security features, including Access ID’s and Passcodes, please contact Salin Bank & Trust Company in the way that is most convenient for you:

• via telephone at: 1-800-320-7536
• via email at: Customer.Service@salin.com

(Please be advised that this is an unsecured e-mail feature and privacy cannot be ensured. Salin Bank & Trust will not be responsible for any damages you may suffer if you transmit confidential or sensitive information to us. For your own protection, please do not send confidential account information via unsecured e-mail. If you have questions, please call 1-800-320-7536 for more information.)

Salin.com security infrastructure

Salin.com utilizes several layers of technology in order to protect the integrity of your financial and personal information:

• Full 128-bit encryption requirement. Salin.com users are required to use a minimum of either Internet Explorer 4.01 SP1 or Netscape 4.5 web browsers, or an AOL web browser with at least 128-bit encryption.
  Web Browser and screen resolution for PC's. Utilize the latest version of either Netscape Navigator® or Microsoft® Internet Explorer. Salin Bank's Internet banking system security standards require that you use one of these two browsers with 128-bit encryption. For optimum viewing of the website, Salin Bank recommends setting your screen resolution at 1024 x 768.
  Web Browser for Mac's. Utilize the latest version of either Safari® or Firefox®. Salin Bank's Internet banking system security standards require that you use one of these two browsers with 128-bit encryption. Please note that Salin Bank's website does not support Netscape Navigator® or Microsoft® Internet Explorer on the Mac. For optimum viewing of the website, Salin Bank recommends setting your screen resolution at 1024 x 768. If your web browser does not meet Salin.com security requirements, use one of the following links to download an upgraded web browser: Netscape | Internet Explorer | Firefox
• Access ID and Password entry. When prompted, you must provide a valid Access ID and Password to gain access to your Salin Bank accounts and information. Your Access ID and Password are encrypted and your Password will not be displayed as you are entering it.
• Enhanced Online Security. Will verify your identity in two ways. Every time you log in to Internet Banking, the bank identifies you, and it lets you identify the bank using a private image and pass phrase. When prompted, you may select an image and a phrase to go with it. You may also register your home or office computer.
• Secure Sockets Layer (SSL) technology. Secure web browsers employ SSL technology to communicate with Salin.com servers. SSL creates a secure communication channel between you and Salin.com servers. SSL authenticates your communication with Salin.com and reduces the risk of a third party intercepting your communication. SSL conducts a cryptographic word count to ensure the integrity of data transmission. The word count establishes a count of the number of bytes in a document, ensuring the number of bytes transmitted by you exactly matches the number of bytes received by the server.
• Firewall protection. Salin.com servers are protected by a firewall, which is combination software and hardware product that limits the access of outside computers to Salin.com servers. Only authenticated users may send and receive transmissions through the firewall.
• Automatic logoff. Your online sessions automatically logs off after a specified period of time.
• Encrypted data storage. Customer data is stored in encrypted format in Salin Bank’s web site database.

Access ID’s and Passwords

As part of Salin Bank’s online security protocol, when you enroll in internet banking and bill pay services Salin Bank may issue you an Access ID and Password to gain access to your accounts and information. Salin Bank reserves the right to suspend or revoke any Access ID or Password it issues if you violate Salin.com Website Terms and Conditions, Salin Bank’s Online Privacy Policy, Salin.com Online Security Policy or any applicable law, rule or regulation.

Your responsibilities

You are responsible for keeping your Access ID’s and Password confidential, and for any access, use or activity on Salin.com under your Access ID and/or Password. Here are some tips for keeping your Access ID and Password confidential:

• Make sure that you adhere to the procedures set forth in Salin Bank’s Consumer Internet Banking Agreement when maintaining and selecting your Password.
• Do not share your Access ID or Password with others.
• If you think that your Access ID and/or Password have been compromised, contact Salin Bank immediately.
• Use a personal firewall to prevent unauthorized access to your personal computer.
• Install virus protection on your personal computer, install a spam blocker, and delete emails with attachments from unknown sources. Regularly update your virus protection and keep your computer patched with current Microsoft updates.
• Be certain others are not watching the keyboard as you enter your Access ID and Password.
• Avoid accessing your account from public shared computers or insecure location.
• Do not leave the computer unattended while logged on to your internet banking account and log off using the Log Off function when you are finished using internet banking.
• Do not open any types of email attachments or diskettes unless you are sure that you can trust the source.
• Do not send personal information via Internet email.

Email and online scams

Email and websites can be used for sending or promoting scams such as a false offer from a company or an alert to a false computer virus. The practice of sending these fraudulent emails or creating and promoting these fraudulent websites is called spoofing or phishing. Spoof emails and spoof websites are often forwarded with good intentions by friends, adding an erroneous level of legitimacy.
For more Information on Protecting you Identify and avoiding online scams, visit our education center.

Limitation on Salin Bank’s liability

No security protocol is foolproof. In the event that an unauthorized third party compromises Salin.com security features, Salin Bank & Trust Company is not liable to you, or to any third party, for any occurrences or damages directly or indirectly related to an unauthorized third party’s ability to view, use or disseminate your financial or personal information, or to otherwise gain access to your Salin Bank account(s). Salin Bank is also not liable to you or any third party for any occurrences or damages directly or indirectly related to any phishing, pharming or other attacks or fraud committed against Salin Bank & Trust Company, Salin.com, and Salin Bank’s URL, DNS or IP address, or a third party’s ability to tap into your Internet connection via phone line, DSL, cable connection, or otherwise.

Changes to this Online Security Policy

Salin Bank & Trust Company endeavors to monitor the latest in security enhancements to protect our customers. Accordingly, Salin Bank reserves the right to revise its security protocol and amend this Online Security Policy at any time, in its sole discretion and without notice. Any changes to this Online Security Policy will be posted here. You are encouraged to visit this Online Security Policy frequently in order to review any changes that have occurred. Your continued access and use of Salin.com following any changes to this Online Security Policy shall automatically be deemed your acceptance of the same.

Governing law and arbitration

This Online Security Policy is to be governed by and construed in accordance with the laws of the State of Indiana, without regard for principles of conflicts of laws. Any civil action, claim, dispute or proceeding arising out of or relating to this Online Security Policy, except for an injunctive action regarding a breach, violation or threatened breach or violation of this Online Security Policy by you as provided above, shall be referred to final and binding arbitration, before a single arbitrator, under the commercial arbitration rules of the American Arbitration Association in Marion County, Indiana.

THEREFORE, YOU DO NOT HAVE THE OPPORTUNITY TO GO TO COURT TO ASSERT OR DEFEND YOUR RIGHTS AND YOU GIVE UP YOUR RIGHT TO PARTICIPATE IN OR BRING CLASS ACTIONS. BY USING SALIN.COM, YOU CONSENT TO THESE RESTRICTIONS.
You and Salin Bank shall select the arbitrator, and if you and Salin Bank are unable to reach agreement on selection of the arbitrator within thirty (30) days after the notice of arbitration is served, then the arbitrator shall be selected by the American Arbitration Association. Arbitration shall not commence until the party requesting it has deposited One Thousand Dollars ($1,000.00) with the arbitrator for the arbitrator’s fees and costs. The party requesting arbitration shall advance such sums as are required from time to time by the arbitrator to pay the arbitrator’s fees and costs until the prevailing party is determined or the parties have agreed in writing to an alternate allocation of fees and costs.

Should a dispute arise and should the arbitration provisions herein become inapplicable or unenforceable, or in any instance of any lawsuit between you and Salin Bank, jurisdiction over and venue of any suit shall be exclusively in the state and federal courts sitting in Marion County, Indiana.

Judgment upon any award rendered by the arbitrator shall be final, binding and conclusive upon you and Salin Bank and your and Salin Bank's respective administrators, executors, legal representatives, successors and assigns, and may be entered in any court of competent jurisdiction.

Miscellaneous

If any portion of this Online Security Policy is deemed unlawful, void or unenforceable by any arbitrator, this Online Security Policy as a whole shall not be deemed unlawful, void or unenforceable, but only that portion of this Online Security Policy that is unlawful, void or unenforceable shall be stricken from this Online Security Policy.

The headings contained in this Online Security Policy are for convenience of reference only, are not to be considered a part of this Online Security Policy, and shall not limit or otherwise affect in any way the meaning or interpretation of this Online Security Policy.

All covenants, agreements, representations and warranties made in this Online Security Policy, as may be amended by Salin Bank from time to time, shall survive your acceptance of this Online Security Policy and the amendment of this Online Security Policy.

This Online Security Policy represents the entire understanding and agreement between you and Salin Bank regarding its subject matter, and supersedes all other previous agreements, understandings and/or representations regarding the same.