Security Statement May 8, 2003
Through Emerald Bank's leading technology partners, we provide a secure environment for Internet Banking. Our partners are required to take proactive steps to ensure that the systems that they own or participate in contain adequate security measures to prevent the possibility of unintended distribution of confidential information and the potential for fraud-related losses. Our Internet Banking Service Bureau runs on a robust Windows NT operating system. State of the art firewall technology is the first line of defense in preventing unauthorized access to any information housed.
Included in this operating system is the capacity to allow only secure connections by end users. Utilizing Secure Socket Layer (SSL) technology, transmissions of web pages and data between Emerald Bank and its customers are completely encrypted and are unreadable to any person or group trying to "intercept" the transmission. SSL encryption is the industry standard and is commonly used in Internet applications that require security and privacy for sensitive data.
Passwords: Before customers access the Internet Banking Service Bureau, they are required to enter their user ID and password. Without the proper login, individuals cannot see or use any web pages within this Internet Banking product.
Account Number Masking and Account Aliases: For security reasons, complete account numbers never appear on the computer screen. When the account number needs to be displayed it appears as ###123456 instead of 123456789. Emerald Bank has the flexibility to determine how many digits are "unmasked". Masking will always occur from the left. Account "aliases" are user-defined titles for the customer's accounts, (e.g., "My Checking"), and are used when displaying account information on the screen.
Secure Connection: When consumers are accessing the online information, their connection is automatically converted into a secure Internet communications session.
Data Encryption: When customers access their account information or any other sensitive data, an encryption system is automatically activated to protect the transmission of information from unauthorized sources.
The relative infancy of the Internet as a broad-based communication medium when combined with the "open" nature of the Internet make it impossible to guarantee absolute confidentiality in all circumstances. However, Emerald Bank and its technology partners continue to monitor and review security procedures to protect customer information. We are committed to providing only the safest operating environment. All of our measures are updated as practices change and new technology becomes available.
If you have any questions regarding these policies and procedures, please contact us at: 614.793.4631.