Security Statement

This Internet Banking System brings together a combination of industry-approved security technologies to protect you, our customer. It features password-controlled system entry, a Symantec/VeriSign-issued Digital Certificate, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to secure and regulate the inflow and outflow of server traffic.

Secure Access and Verifying User Authenticity: To begin a session with the bank's server the user must key in a Log-in ID and a password. Our system, the Internet Banking System, uses a multiple failure lock-out mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from VeriSign, the experts in digital identification certificates, authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer: Once the server session is established, the user and the server are in a secured environment. Because the server has been uses a 256-bit SSL encryption certificate, 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 is a type of electronic hardware that works in conjunction with the firewall, a type of security software, to filter, block, and direct traffic coming to the server. The configuration begins by blocking ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

In Case of Errors Or Questions About Transactions Covered In This Agreement: In Case of Errors or Questions About Your Electronic Transfers Telephone us 850-455-7351, or write us at PO Box 4877, Pensacola, FL 32507 as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared.

(1) Tell us your name and account number (if any).

(2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

(3) Tell us the dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days.

We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do not receive it within 10 business days, we may not credit your account.

For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 90 days to investigate your complaint or question. For new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation.

Customer Liability:Tell us AT ONCE if you believe any of your cards (debit or credit) has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account plus any overdraft if one is extended. If you tell us within 2 business days after you learn of the loss or theft of your card, you can lose no more than $50 if someone used your card without your permission.

If you do NOT tell us within 2 business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500.

Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been lost or stolen, call 850-455-7351, or write us at PO Box 4877, Pensacola, FL 32507.

You should also call the number or write to the address listed above if you believe a transfer has been made using the information from your check without your permission.

Statements: Customer's Internet Banking transfers will be listed on the monthly statements that The Warrington Bank provides or makes accessible to Customer. Customer agrees to notify The Warrington Bank within 60 days if Customer changes address.

Canceling The Service: To cancel your Internet Banking Service, you must contact The Warrington Bank in writing to notify us of your decision to cancel. The Warrington Bank may cancel or suspend your service at anytime without notice.

Law That Applies: Regardless of where Customer lives or works or where Customer accesses the The Warrington Bank Web services, this Agreement is subject to the laws of the State of Florida and the Federal Law of the United States of America with, in either event, consideration of conflicts of law principles. If any of the terms of the Agreement cannot be legally enforced, they will be considered changed to the extent necessary to comply with applicable law.

Attorney's Fees: In the event any action is filed in relation to this Agreement, the unsuccessful party in the action willl pay to the successful party in addition to all the sums that either party may be called on to pay, a reasonable sum for the successful party's attorney fees.

Excusable Delay: No party to this Agreement shall be liable to the other for any loss, cost or damages, arising out of, or resulting from, any failure to perform in accordance with the terms of this Agreement where such failure shall be beyond the reasonable control of such party, which, as employed here, shall be deemed to mean, but not limited to, acts of God, strikes, lockouts, or other industrial disturbances, wars, whether declared or undeclared, blockades, insurrections, or government action, explosions, fire, floods, or any other cause not within the reasonable control of either party.

Amendments: The terms and conditions governing Internet Banking including costs and fees may be amended by The Warrington Bank at anytime upon 30 days advance notice. Your continued use of the service is your acceptance of any Amendment(s) of the Agreement, including any instruction of the use of this service as may be amended from time to time. You agree that any notice from the Bank regarding the service will be sent to you at the Bank's choice, via either electronic mail or standard mail and will be considered delivered at the time sent by the Bank. The Warrington Bank may not immediately respond to email, so you should not rely on email to communicate with The Warrington Bank immediately.

Using the above technologies, your Internet banking transactions are secure.