- "Your Home Town Bank" -


Security is one of the most important issues we faced in making this service available to our customers. We have taken strong measures to ensure that your information remains confidential. The first step is the use of a secure browser. Certain browsers and computers have the ability to communicate securely by scrambling information as it passes across the Internet. The method of communication is called SSL, or Secure Socket Layer. We require the use of a 128-bit encryption secure browser before a connection can be made to the transaction system. After you reach us using the secure browser, we take steps to make sure your information remains secure and confidential. Your information passes through a "firewall," which is a computer specifically designed to keep out unauthorized users.

Before gaining access to any account information, each individual is authenticated by a personal user ID and password. Following the enrollment process, you will personally select your own alphanumeric case-sensitive user code and password. This means your access codes should contain numbers and letters and a special character. No one else will be able to access your accounts, because only you know your password. Using a combination of numbers and letters (as opposed to numbers only) provides maximum security for the protection of your individual account information.

But, Internet security is a cooperative effort, and we need your assistance.

What is Encryption and what does it mean to me?
Encryption is the scrambling of information for transmission back and forth between two points. This technology allows for secure transmittal on the Internet by encoding the data using a mathematical formula that scrambles the data. A key is then required to decode the transmitted data. The effectiveness, or level of security, of encryption is measured in bits or how long the "decoder" key is. The 128-bit encryption technology uses a key that is many times longer than 40-bit technology. Comparing 128-bit security with 40-bit security is like comparing a combination lock that requires a hundred numbers to open to a combination lock that requires only three numbers to open.

What can I do to make myself more secure?
The Manson State Bank recommends another method for practicing good Internet safety. Get into the habit of visiting http://www.mansonbank.com and performing all financial transactions and logging out before venturing out onto the Web for general surfing.

In addition, you should be aware of certain risks and should act responsibly when dealing with programs or files from unknown sources -- this applies both to software available on the Internet and sent via email. Installing files from unknown sources raises the risk of unknowingly downloading infected or malicious software or computer viruses. Once installed on your computer, these programs could potentially tamper with your files without your knowledge. We urge you to never run any untrusted or unfamiliar software or programs received from email or the Internet. As you chat, browse the Web, or accept email from unknown persons, always be careful and a bit suspicious.

We also recommend the use of virus detection software that can ensure your computer is free from known viruses. Norton, AVG, McAfee, and others offer anti-virus software that detects some of the most recently discovered viruses and malicious applications. We encourage you to check frequently for updates to these virus-detecting programs and install updates as necessary. Concerned consumers can keep abreast of security issues by visiting Microsoft's Security Advisor Web site.

With all of this talk about security, should I be worried?
Not worried, but perhaps a little more cautious. We at the Manson State Bank feel that the suggestions contained in this Security Statement, when followed, will allow our customers to perform their Internet banking activities in a safe and secure manner.

What's a firewall?
To build a barrier between an internal network and the Internet, a company can install a firewall. The firewall becomes the only way anyone can access the network from outside. Because everything entering the network has to pass through the firewall, it controls all traffic between the network and everything outside it. Unauthorized users outside the network can't access information inside it, but authorized users can still travel outside the network to take advantage of Internet services.

How do firewalls work?
Firewalls use proxy software to build a wall between computers inside and outside the network. If you want to talk to a computer at another company's network, you really talk to the firewall while the firewall talks to the other computer. The firewall also talks to your computer for anyone outside your company's network. So, the firewall acts as a proxy for all traffic passing through it and can support a wide variety of communications software programs used for Internet navigation, like file transfer protocol (ftp) or telnet.

Manson State Bank
1001 Main Street
Manson, Iowa 50563
Phone: (712) 469-3355

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