SECURITY STATEMENT

KimCentral is committed to ensure the confidentiality of your online transactions. Our banking products incorporate designed-in security features for safeguarding your accounts and the information you transmit to us during a Virtual Branch session.

SECURITY FEATURES
Your online security is very important to us. We take several precautions to ensure your information is secure.

To access our secure area, you must enter your Logon ID and Security Code. When you enroll, you are provided with a Login ID and initial Security Code. You can change your Security Code as often as you like when you login for a Virtual Branch session. The first time you login, you will be required to change your Security Code. For subsequent logins, you will need to enter your Login ID and Security Code to enter the secure area. As a security precaution, we store your Security Code in our database in an encrypted format that even we cannot decode.

In addition, Enhanced Authentication provides extra protection for your online data and helps guard against phishing scams and identity theft by recognizing your computer and usage patterns. If a questionable logon attempt is detected, the system will require additional identity verification before allowing access.

The system also displays a secret image and phrase combination that you choose. This secret image and phrase is displayed each time you log on to reassure you that you are logging on to your actual Internet banking or bill payment site. If you do not see your image and phrase, you should not enter your Security Code.

Other online security measures include:

• Secure Sockets Layer (SSL) protocol to ensure that your connection and any information transmitted is protected.
• 128-bit encryption to make your information unreadable as it passes over the Internet.
• Automatic time out that occurs if you are inactive in the secure area of our site for more than 10 minutes.
• If you do not login at least once every 60 days, your account will become inactive and will require you to contact the credit union to be reset.

If your browser doesn't support SSL or 128-bit encryption, you will need to upgrade your browser.

While we continue to evaluate and implement the latest improvements in Internet security technology, users of the system also have responsibility for the security of their information and should always follow the recommendations listed below:

• Utilize current versions of Microsoft Internet Explorer, Firefox, or Netscape browsers.
• Keep your Security Code confidential.
• Be sure others are not watching you enter information on the keyboard when using the system.
• Never leave your computer unattended while logged on to the system. Others may approach your computer and gain access to your account information if you walk away.
• Exit the system when you are finished to properly end your session. Once a session has ended, no further transactions can be processed until you log on to the system again.
• If you cannot close the browser after your banking session, be sure to delete the temporary files stored by the browser on your local hard drive. Consult your browser Help on how to do this.
• Report known instances of unauthorized account access to KimCentral within the required timeframe.
• NEVER use email to transmit any personal, business, financial or account information. Messages sent in this manner are not encrypted.
• Close your browser when you are finished, so that others cannot view any account information displayed on your computer.

Keep your computer free of viruses. Use virus protection software to routinely check for a virus on your computer. Never allow a virus to remain on your computer while accessing the system.

SECURITY OF ACCESS CODE
The Security Code issued to you is for your security purposes. The Security Code is confidential and should not be disclosed to third parties or recorded. You are responsible for safekeeping your Security Code. You agree not to disclose or otherwise make your Security Code available to anyone not authorized to sign on your accounts. If you authorize anyone to use your Security Code that authority shall continue until you specifically revoke such authority by notifying us. If you fail to maintain the security of your Security Code and we suffer a loss, we may terminate your Virtual Branch and account services immediately. This Security Code may require a change every 90 days.

If you have any questions regarding the security of your online transactions, please call us at (800) 236-5228 OR (920) 720 2572.