On-Line Banking Security Statement

Security
Coastal Carolina National Bank works with leading-edge technology companies to ensure that the most secure environment is made possible for our valued customers. We offer you worry-free Online banking. You can be completely confident of the following security measures:

Secure Communications
Our system provides that data-exchanged between your PC and our computers are encrypted with 128-bit encryption – the strongest encryption available. Encryption is accomplished through Secure Sockets Layers (SSL), which utilizes mathematical formulas to ‘encrypt’ or hide information from prying eyes on the Internet. Additionally, if SSL detects that data was added or deleted after you sent it to the bank, the connection will be severed in order to guard against any tampering. Both Internet Explorer and Netscape Secure Sockets Layer (SSL) protocols provide privacy for data flowing between the browser and Coastal Carolina National Bank’s server.

Secure Environment
Our computer system does not connect directly to the Internet. It is isolated from the network via a ‘firewall.’ A firewall is a combination of software and hardware products that designate parameters, and control and limit the access that outside computers have to the banks’ internal networks and databases. You can feel secure knowing that our firewall protects your personal information from unauthorized access.

Your Password
One of the most important security measures rests with you. Your transactions are protected by your individual password. This password is of your own choosing in order for you to be able to commit it to memory. Passwords can vary from eight to twelve characters, with one uppercase alpha and one numeric character, which means the chance of randomly guessing a password is less than one in one billion! You should memorize your password. If you absolutely must write it down, keep it in a safe place. It is recommended that you do not carry your password in your purse or wallet or store near your computer. Make sure no one watches you enter your password and always close your browser when leaving the computer. The system also checks for invalid logins and automatically disallows a user after three invalid attempts. This prohibits the ‘hacker’ from gaining access to our system, thus protecting your accounts. Make sure you regularly scan your computer for viruses that could be used to capture password keystrokes. You ultimately hold the key to your password security.

Multifactor Authentication
An additional layer of security and fraud protection has been added to help prevent identity theft. Now when you sign up for Online banking you will be required to establish a security image and three security questions. Your security image will help to confirm that the website you are visiting is authentic and your security questions will serve as a second layer of security to verify your identity on non-registered computers.

DISCLAIMER OF WARRANTY

Coastal Carolina National Bank does not make any warranty of any kind regarding the products and services advertised on its site. The Bank will use reasonable efforts to provide that all information displayed is accurate; however, the Bank expressly disclaims any representation and warranty, express and implied, including, without limitation, warranties of merchantability, fitness for a particular purpose, suitability, and the ability to use the site without contracting a computer virus. Except as specifically provided for in the Bank’s Agreement with you, the Bank, or its holding company, subsidiaries or affiliates have no liability or responsibility for any loss, damage, expense, or penalty (either in tort, contract, or otherwise), including direct, indirect, consequential and incidental damages, that result from the access of or use of its Website. This limitation includes, but is not limited to the omission of information, the failure of equipment, the delay or inability to receive or transmit information, the delay or inability to print information, the transmission of any computer virus, or the transmission of any other malicious or disabling code or procedure. This limitation applies even if the Bank has been informed of the possibility of such loss or damage.

By accessing any page of this site, you agree to the Agreement and its Security Statement. If you do not agree, please do not use our site. This Statement does not modify or supplement any existing agreement that we may have with you and is not intended to be incorporated as part of any agreement between us. We reserve the right, at our discretion, to change, modify, add, or remove this Statement at any time. All users agree to be subject to this Security Statement as it changes from time to time.

This Security Statement and the use of this website are governed by the laws of the State of South Carolina.