NetTeller Security Policy

Commercial Bank and Trust Company understands that the security of your personal account information is important to you. To assist us in offering Internet banking services in a secure manner, we use several types of technology to ensure the confidentiality of your information.

Access Codes
An important security measure rests with you. Your transactions are protected by your individual NetTeller ID and NetTeller Personal Identification Number (PIN), assigned initially by Commercial Bank. You will be required to change your PIN upon your initial logon. You should carefully select a (PIN that is hard to guess. It is your sole responsibility to control and protect your ID and PIN.

Time-Out Feature
To further protect you, a time-out feature is used. We will end your NetTeller session if we have detected no activity for 10 minutes. This is to protect you in case you accidentally leave your computer unattended after you logon. We recommend that you always sign off (EXIT) when you are finished with your online banking.

Firewall
Commercial Bank uses a protection measure known as a firewall to protect our computer systems and your information. Firewalls can be thought of as selective barriers that only allow authorized traffic (i.e. you, our Net Teller banking customer) through.

Encryption
The privacy of the communications between you (your browser) and our server is ensured using encryption. Encryption scrambles messages exchanged between your browser and our online banking server. Encryption happens as follows: When you go to the sign on page for online banking, your browser establishes a secure session with our server. The secure session is established using protocol called Secure Sockets Layer (SSL) Encryption. This protocol requires the exchange of what are called public and private keys. Keys are random numbers chosen for that session only and known only by your browser and our server. After the keys are exchanged, your browser will use the numbers to scramble (encrypt) the messages sent between your browser and our server. Both sides require the keys because they need to de-scramble (decrypt) the message when they are received. The SSL protocol, not only ensures privacy, but also ensures that no other browser can "impersonate" your browser, or alter any of the information sent.

Network Security
The network architecture used to provide the online banking service was designed by the brightest minds in network technology. While the architecture is too complex to explain here, it is important to point out that the bank's computers that store your actual account information are not hooked to the Internet. The requests you make through the Internet are handled by our home banking servers, which retrieve the information you requested from our mainframe via proxy-based firewall servers. These servers act as the go-between.

Additional Measures
New advances in security technology are happening daily, and Commercial Bank is constantly evaluating its security architecture to ensure that it provides the highest level of privacy and safety for our bank customers.