Hull State Bank is concerned with the security of your personal information and takes great care in providing secure transmission of your information from your computer to our servers. Unfortunately, no data transmission over the Internet is ever guaranteed 100% secure. As such, while we take great care to protect such information, we cannot guarantee the security of any information you transmit.

This Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, a VeriSign-issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

SECURE ACCESS AND VERIFYING USER AUTHENTICITY
To begin a session with the bank's server, the user must key in a Login ID and a password. Our system, the Internet Banking System, uses a "3 strikes and you're out" lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

You are responsible for maintaining the secrecy of your passwords and any account information. Please be aware that the bank will never ask you for your password in an unsolicited phone call or E-mail.

SECURE DATA TRANSFER
Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

ROUTER AND FIREWALL
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving Web pages or sending customer requests to the bank.
Using the above technologies, your Internet banking transactions are secure.

If you have questions about Hull State Bank's Security Statement, please contact us at 936-536-6726.