1. Account numbers are not displayed. Instead of displaying account numbers, each account is given a pseudo name that can be changed by the customer at any time.
2. Social Security numbers and Tax Identification numbers are not displayed. To keep these numbers confidential a row of X's appear in the place of the numbers.
3. Identification Number and PIN protect you. Only your valid Identification Number and PIN will allow you to sign on to Internet Banking. If these numbers are incorrectly entered three times in a row the account will be locked to prohibit any further entries.
4. The system has an Automatic Log-off feature. After 10 minutes of inactivity on the online system, your session will be terminated and you will be automatically signed off.
5. Data is protected by encryption. Encryption is a means of scrambling information for transmission, in this case between your PC and the Bank's computing systems.

128-bit encryption is the most secure form of encryption that is generally available in Internet browsers on the market in North America today. We require that our customers use 128-bit encryption when conducting financial transactions over the Internet. However, Country Bank does not guarantee security of information transmitted over the Internet.

Two browsers that support the use of 128-bit encryption are various versions of Netscape Navigator and Microsoft Internet Explorer.

When sending any application information online this site automatically switches to a secure mode. This is evident by the "https" that will appear in the url as opposed to "http."

• If you are using Internet Explorer, when browsing securely you will see a locked padlock at the bottom of your screen, which looks like this:
• In Netscape Communicator, when browsing securely the browser will display a locked padlock at the bottom left of its open window, which looks like this:
• In Netscape Communicator, when browsing insecurely that padlock appears unlocked, like this:

Additional Security
Do not share your Identification Number or PIN with anyone. You will be able to change both the Identification Number and PIN anytime you choose through the internet banking system. In addition, you will be required by the system to change your PIN every 180 days. If at any time you feel that someone else is compromising your online information, please contact us immediately. Country Bank will not be liable for any breach of security.

Disclaimer
Hyperlinks to other Internet resources are at your own risk; the content accuracy, opinions expressed, and other links provided by these sources are not investigated, verified, monitored or endorsed by Country Bank.

Terms and Conditions of Use
By using this site, you agree to our terms and conditions, as further described below. Do not use this site if you do not agree to all of the terms and conditions. Whether or not you actually read these terms and conditions, your use of the site will be deemed as acceptance of them. We may modify our terms and conditions for use of this site at any time and without notice.

Purpose
The information provided on this site is not intended for distribution to, or use by, any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject Country Bank or any affiliate to any registration requirement within such jurisdiction or country.

No Warranty and Limitation of Liability
The information and content on this site are provided "as is." neither Country Bank nor any of its affiliates warrant the accuracy, adequacy or completeness of the materials provided on this site, either express or implied, for any particular purpose and each expressly disclaims any warranties of merchantability, fitness for a particular purpose or non-infringement. In no event will Country Bank or its affiliates be liable to you for any loss arising out of the use of, or inability to use, this site, whether direct, indirect or consequential, foreseen or unforeseen, including loss of profit or other economic loss, or any other damages of any kind even if Country Bank or an affiliate has been advised of the possibility of such loss or damages.

The Internet
Country Bank reminds you that the Internet lacks inherent security therefore Country Bank cannot and does not guarantee that downloads from this site will not contain a virus or other destructive device. Additionally, you provide, request and receive information from this Site with the knowledge that such information can be intercepted and/or viewed by unknown third parties. Please contact our Security Officer at 212-818-9090 with any questions you may have regarding the above-identified information and disclaimers.

Copyright or Other Notices
If you download any information from this site for your personal reference, you agree that you will not remove or obscure any copyright or other notices contained in any such information. You may not copy, republish, redistribute, transmit, participate in the transmission of, create derivatives of, alter, edit or exploit in any manner any material from this site, including by storage on retrieval systems, without the express written permission of Country Bank. Deliberate misuse of any element of this site, including without limitation, hacking, introduction of viruses or similar code, disruption or excessive use or any use in contravention of applicable law, is expressly prohibited and Country Bank reserves the right to terminate your access to this site and, at its discretion, pass on information to legal authorities. Features and service availability are subject to change without notice.

Use of Links
You use any third-party links contained on this site at your own risk. The content to which you link has not been developed, checked for accuracy or otherwise reviewed by Country Bank. Country Bank makes no guarantees or representations as to, and shall have no liability for, any third-party site, including without limitation the accuracy, subject matter, quality or timeliness of any electronic content.

E-mail
Messages that you send to us by e-mail may not be secure. We recommend that you do not send any confidential information to us by e-mail. If you choose to send any confidential information to us by e-mail, you accept the risk that a third party may intercept this information.