First National Bank of the Gulf Coast

Security

First National Bank of the Gulf Coast Security Statement

Electronic Account Transactions
All First National Bank of the Gulf Coast’s online account transactions are submitted to the Bank's secure Electronic Banking site using sophisticated industry-approved encryption that comply with state and federal laws and regulations. The Electronic Banking System features password controlled system entry, Secure Sockets Layer (SSL) protocol for data encryption, and sophisticated routers with a firewall device to regulate approved access traffic in and out of the servers.

Verifying User Authenticity
To start a session with the Bank's server the user must key in a USER ID and a password. The Electronic Banking System allows 3 attempts for a valid login of the system before disabling the USER ID. After three unsuccessful consecutive login attempts, the system locks the user out, requiring either user initiated password reset, or a phone call to the bank to reset the password before re-entry into the system. Upon successful login the system authenticates the user's identity and establishes a secure session with that user.

Secure Data Transfer
Once the server session is established; the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure sever by VeriSign, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router and Firewall
Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic coming to the server and then opens holes only when necessary to process acceptable data requests, such as retrieving Web pages or sending customer requests to the Bank.

Using the above technologies, your Electronic Banking transactions are secure.

First National Bank of the Gulf Coast is serious about our consumers security and privacy. To help you be informed the link below will connect you directly to the Federal Trade Commission’s “AvoID Theft: Deter, Detect, Defend” Web site.

This website is a one-stop national resource to learn about the crime of identity theft. It provides detailed information to help anyone deter, detect, and defend against identity theft. On this site, you can also learn how to avoid identity theft – and learn what to do if your identity is stolen.

http://www.ftc.gov/bcp/edu/microsites/idtheft/