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AudioTel Corporation
Copyright © 1998-2007


 

ROBERT LEE STATE BANK
INTERNET PRIVACY POLICY
JUNE 18, 2008


This Internet Privacy Policy explains how we may collect information from you when you visit our web site
or when you use our online financial services.

Our Institution recognizes the importance our customers place on the privacy and security of their
personal information. Our goal is to protect your personal information in every way that we interact
with you, whether it’s on the telephone, in our lobby, at our ATM, or on the Internet.

We think it is important for you to be informed of the policies, procedures, and security measures that
we have in place to safeguard your personal and confidential information. With that in mind, we have
developed an Internet Banking Policy to help you to understand the steps we take to protect your personal
information when you utilize our Internet Banking System.

In addition to the protections discussed within this Internet Privacy Policy, your online financial
activities may also be protected by our general privacy policy.

Below are several definitions of terms used within this policy:

Customer Information: Customer Information refers to personally identifiable information about a
consumer, customer, or former customer of this Institution.

Internet Protocol (IP) Address -An IP address is a unique address that devices use in order to identify
and communicate with each other on a computer network. An IP address can be thought of as a street
address or a phone number for a computer or other network device on the Internet. Just as each street
address and phone number uniquely identifies a building or a telephone, an IP address can uniquely
identify a specific computer or other network device on a network. We may use IP addresses to monitor
login activity and for identification purposes when necessary for security investigations.

Cookie -a Cookie is a very small text file sent by a web server and stored on your hard drive, your
computer’s memory7, or in your browse so that it can be read back later. Cookies are a basic way for a
server to identify the computer you happen to be using at the time. Cookies are used for many things
from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return
visitors as they perform a very important function in security Internet banking.

“Session” Cookies are used to monitor session activity within our Internet banking product. These
Cookies are encrypted and only our Service Provider can read the information in these Cookies. The
session Cookie facilitates the proce3ssing of multiple transactions during a session without requiring
you to reenter your password for each individual transaction. Session Cookies used within our Internet
banking product do not pass to your computer’s hard drive. Instead, the Cookie is stored in your
computer’s memory, identifying only your computer while you are logged on. When you log off, or close
your browser, the Cookie is destroyed. A new Cookie is used for each session. Therefore, no one can use
the prior Cookie to access your account. For additional security, the Cookie expires after 10 minutes of
inactivity. It must then be renewed by reentering your password. Our institution does not use this
Cookie to collect or obtain personal information on you.

An encrypted non-expiring Cookie is also used within our Internet banking product, for the identification
of this Institution.

Service Provider - In order to provide a full range of online financial services, we may use various third
party providers. These third parties provide services such as: web hosting, Internet Banking, bill
payment, and account aggregation. Third party providers are referred to within this Policy as “Service
Providers”.

Information Collected on the Internet -If you are browsing through our website, we do not request any
personally identifiable Customer information, nor do we collect uniquely identifiable information about
you unless you voluntarily and knowingly provide us that information. If you provide us with any
personal information, it is only used internally and in furtherance of the purpose for which it was
provided.

As part of providing online financial products or services, we may obtain information about our customers
and website visitors from the following sources:

  • Information about your transactions with this Institution and our affiliates

  • Information we receive from a consumer-reporting agency; and

  • Information that is generated electronically when you visit our website or use our online
    services.

Service Providers hosting our website and Internet Banking service may collect general information on our
website visitors for security and statistical purposes. Such information may include:

  • The Internet address (referral site) which brought you to our website;

  • The date and time you access our site;

  • The name and version of your web browser;

  • Your Internet Protocol (IP) address;

  • The pages visited in our website; and

  • The duration of your online session.

Use of Information Collected

  • We may disclose the information that we collect, as described above, with our Service Providers
    acting on our behalf to provide online financial services such as: Internet Banking and Online Bill
    Payment
     

  • We may also disclose Customer Information when required or permitted by law. For example,
    Customer Information may be disclosed in connection with a subpoena or similar legal process, fraud
    prevention, or security investigation.
     

  • We may also disclose aggregate (not personally identifiable) Customer Information with Service
    Providers or financial institutions that perform marketing and research services on our behalf and with
    whom we have joint marketing agreements. Our contracts require all such Service Providers/ or financial
    institutions to protect the confidentiality of your Customer Information to the same extent that we
    must do.
     

  • We do not disclose any Customer Information about our customers, former customers, website
    visitors to anyone, except as permitted or required by law.
     

  • We do not sell any of your personal information.

Email Policies

  • When you enroll for Online Bill Payment you will receive a welcome email from Online Resources.

     

  • If for some reason, an Online Bill Payment transaction rejects, you will receive an e-mail from
    On-line Resources stating that the transaction did not process. Online Resources will try to process the transaction a second time.
     

  • For more information regarding e-mail policies, you may contact us at 325-453-2545.

     

  • Beware of Phishing Attempts and Internet Scams

     

  • While e-mail is convenient and has a good business use, it can also be misused by criminals for
    scams and various other fraudulent purposes. “Phishing emails” are frequently used by criminals to
    entice the recipient to visit a fraudulent website where they try to convince the recipient to provide
    personal information, such as ATM card numbers, account numbers, Social Security numbers, and other pertinent personal identification. Some of these fraudulent websites may also be virus laden and can be used to download mal-ware to your computer. Fraudulent websites often look identical to a legitimate site, so it is important to look very closely at the website address.

Below are some tips to help protect your personal identity on the Internet:

  • Always be aware of links in emails, especially any links in emails purporting to be from this
    Institution. Our Institution will never send any information to you via e-mail!
     

  • When you are entering our Internet Banking website, always look for the personal image and
    passphrase. If this image and passphrase does not appear when accessing your personal information on our website, close out of the site and call our Institution at 325-453-2545.
     

  • Make sure that your computer always has up-to-date versions of both anti-spyware and anti-virus
    software.
     

  • Update your Internet browser! Most browsers now offer free anti-phising tool bars that can help
    alert you of fraudulent websites.
     

  • If you have any questions about the legitimacy of an email, especially an email from our
    Institution,
    you can call the Bank at 325-453-2545.

External 3rd Party Links

Our website may include links to other 3rd party websites. These links to external 3rd parties are
offered as a courtesy and a convenience to our customers. When you visit these sites, you will receive a
pop-up stating that you are leaving our website and being directed to another site.

This Institution does not control 3rd party websites. We are not an agent for these third parties nor do
we endorse of guarantee their products. We make no representation or warranty regarding the accuracy of
the information contained in linked sites. We suggest that you always verify the information obtained
from linked websites before acting upon this information. Also, please be aware that the security and
privacy policies on these sites may differ from our policies. Therefore you should carefully review 3rd
party policies.

If you have questions or concerns about the privacy policies and practices of linked 3rd parites, please
review their websites and contact them directly. This Internet Privacy Policy applies solely to the
Customer Information collected by this Institution.

Security

Our Institution and our Service Providers have developed strict policies to safeguard your Customer
Information. Our policies require confidential treatment of your personal information. Employee access
is restricted to any and all of your personal information on a “need to know” basis. Appropriate
disciplinary measures are taken to enforce employee privacy and confidentiality responsibilities. We
have established training programs to educate our employees about the importance of customer privacy and to help ensure compliance with our policy requirements.

Furthermore, our Institution and our Service Providers maintain strong physical, electronic, and
procedural controls to protect against unauthorized access to customer information. Our computer systems
are protected in the following ways:

  • Computer anti-virus protection detects and prevents viruses from entering our website, email, and Computer network systems.
     

  • Firewalls and intrusion prevention systems block unauthorized access by individuals or networks.
     

  • We use encryption technology to protect the transmission of your confidential information. Whenever you login to our Internet Banking product or schedule an online transaction through Online Bill Payment system, the communication is encrypted. Encryption scrambles data so it cannot be read by unauthorized parties.
     

  • We use strong multi-level authentication and behavior analysis to help prevent unauthorized access To your account.

We continually monitor technological advances and upgrade our systems to ensure your information remains
secure.

Privacy of Children

COPPA, the Children’s Online Privacy Protection Act, protects children under the age of 13 from the
collection of personal information on the Internet. Our Institution respects the privacy of children.
We do not knowingly collect names, email addresses, or any other personally identifiable information from
children. We do not knowingly market to children, nor do we allow children under 13 to open online
accounts.

Our Website may include linked 3rd party sites that would be of interest to children. We are not
responsible for the privacy and security practices of these 3rd party sites. Parents should review the
privacy policies of these sites closely before allowing children to provide any personally identifiable
information. Parents can also be proactive by installing filtering software that provides more control
over the family’s internet experience.

Privacy Updates

This policy may be updated from time-to-time as new products and features may require changes to our
Internet Privacy Policy. The effective date of our policy will always be clearly displayed.

Questions

If you have any questions about our privacy policy or concerns about our privacy practices, please
contact us at 325-453-2545 or you may contact us in writing at P.O. Box 549, Robert Lee, Texas
76945-0549


TEXAS NOTICE

The Robert Lee State Bank is chartered under the laws of the State of Texas and by state law is subject to regulatory oversight by the Texas Department of Banking.  After first contacting Robert Lee State Bank, if you still have an unresolved complaint regarding Robert Lee State Bank, consumers may file complaints with the Texas Department of Banking by contacting the department through one of the means indicated below:

  • In person or U. S. Mail: 2601 North Lamar Boulevard, Suite 300, Austin, Texas 78705-4294;

  • Telephone No.: 877-276-5554;

  • Fax No.: 512-475-1313;

  • E-mail: consumer.complaints@banking.state.tx.us;

  • Website: http://www.banking.state.tx.us
                                   



    ROBERT LEE STATE BANK
    P. O. BOX 549
    ROBERT LEE, TEXAS 76945
    MEMBER FDIC

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