Information Security

Thank you for taking the time to review our security page. We value our partnership with you, and are committed to protecting the security of your personal information. On this page, we provide a list of some activities that we perform in order to safeguard your data. We also include some tips for helping you protect your information when you are accessing our services.

We employ industrial-proven standards and technologies to protect information in our environment:

• We protect our systems and networks from the Internet with Firewall systems.
• We employ Intrusion Detection software, and monitor for unauthorized access.
• We maintain and selectively review activity logs, to prevent unauthorized access.
• We use encryption technology to protect certain sensitive information that is transmitted over the Internet/ To make all of your information unreadable to a third party, we have implemented numerous security measures, including SSL (Secure Sockets Layer) encryption technology. You can verify that your transmissions are encrypted by looking in the lower left corner of Netscape 3.0 (gold key should be connect and background highlighted) or Netscape 4.0/Internet Explorer (padlock should be in locked position, nor opened position).
• We control access to your information inside our Bank by limiting employee access to the system and data based on business requirements.
• We provide Information Security awareness courses and materials to our employees, to educate and motivate them in applying our Information Security Policy and Standards to their job every day.
• Our employees are responsible for upholding our Information Security Policy and Standards.

Your contribution is important to protect the security of your access to our services. You can help prevent unauthorized access by following these security tips:

• Protect your user ID (user name) or password, by keeping it unique and known only to you. These are keys for accessing your information and our system. Please protect them.
• Choose a password that is at least 5 characters, a combination of letters and numbers, and difficult to guess. Avoid using an easily guessed password such as a word found in the dictionary, your name, your significant other's name, your pet's name or your birthday.
• Avoid writing your password in a place where others can view it.
• Use the "EXIT" button to log out from CBOFL Online upon completion of your transaction in the web site and close your browser software. Upon "EXITING" you will be asked if you want a "Session Summary Report". You will be told the number of transactions that were submitted during this Online Session. You may print this "Summary and then 'Exit' or "Exit". You will receive a message confirming that you have successfully completed this Session and thanking you for using Community Net Banking. Failure to log out could endanger the security of your personal information by potentially allowing others using the same computer to access information saved or cached in the memory of the browser
• In the event that you believe that an unauthorized person has accessed your account, we require you to inform us as soon as possible. Please contact us at 1-887-409-1012.

See our online Frequently Asked Questions (FAQ) section for answers to questions about browsers, encryption, and other terms mentioned in this statement.

Remember that when you use a CBOFL credit card for online Internet shopping, we guarantee that you will not be liable for fraudulent charges to that card. That is our pledge to you. So relax, and enjoy your online shopping.

The activities described herein are subject to change without notice, but we intend to update this Security Statement and include new tips when it is appropriate and helpful to you.

Some of the web sites listed as links herein are not under the control of CBOFL, but rather are exclusively controlled by third parties. Accordingly, CBOFL makes no representations whatsoever concerning such web sites.

Although CBOFL may provide a link to a third party, such a link is not an authorization; endorsement, sponsorship or affiliation by CBOFL with respect to such web sites, its owners, or its providers. CBOFL is providing these links only as a convenience to you. CBOFL has not tested any information, products or software found on such web sites and therefore cannot make any representations whatsoever with respect thereto. It is up to you to take precautions to ensure that whatever your selection are free of such items as viruses, worms, Trojan horses and other items of a destructive nature.

In no event will CBOFL be liable to any party for any direct, indirect, special, or other consequential damages for any use of any hyperlinked web site, including, without limitation, any lost profits, business interruption, loss of programs or other data on your information handling system or otherwise, even if we are expressly advised of the possibility of such damages.

Any comments or materials sent to CBOFL, including feedback data, such as questions, comments, suggestions or the like regarding the content of any such documents (collectively "Feedback"), shall be deemed to be the property of CBOFL. CBOFL's use of the Feedback will be in compliance with the CBOFL Privacy Statement and CBOFL Website privacy notice, which are set forth on this Site, and applicable laws. CBOFL shall have no additional obligations with respect to such Feedback and shall be free to reproduce, use, disclose, exhibit, display, transform, create derivative works and distribute the Feedback to others without limitation. Further, CBOFL shall be free to use any ideas, concept, know-how or techniques contained in such Feedback for any purpose whatsoever, including but not limited to developing, manufacturing and marketing products incorporating such Feedback. Application information submitted to CBOFL shall be treated confidentially to the extend required by applicable law or as disclosed in the application.

CBOFL reserves the right to seek all remedies available at law in equity for violation of these Terms and Conditions, including the right to block access from a particular Internet address to the Site. You agree to indemnify, defend and hold harmless CBOFL from any liability, loss, claim and expense, including attorney's fees, related to your violation of these Terms and Conditions or your use of the services and information provided at the Site.