Del Norte Federal Bank is pleased to offer Online (Internet) Banking services. Delivering these services requires a solid security framework that protects you and our institution's data from outside intrusion. We are committed to working with our Internet service and communications providers to produce the safest operating environment possible for our customers. The information below summarizes our security framework, which incorporates proven technology. A section at the end summarizes your responsibilities as a user of the Internet banking system with regard to security. There are several levels of security within our security framework. User Level deals with cryptography and Secure Sockets Layer (SSL) protocol and is the first line of defense used by all customers accessing our Banking Server from the public Internet. Server Level focuses on firewalls, filtering routers and our trusted operating system. Host Level deals specifically with our Internet banking services and the processing of secure financial transactions.

USER LEVEL
There are several components of User Level security that ensure confidentiality of information sent across the public Internet. The first requires your use of a fully SSL compliant 128 bit-encrypted browser such as Netscape Navigator or Microsoft Internet Explorer. SSL is an open protocol that slows a user's browser to establish a secure channel for communicating with our Internet server. SSL utilizes highly effective cryptography techniques between your browser and our Server to ensure that the information being passed is authentic, cannot be deciphered and has not been altered en route. SSL also utilizes a digitally signed certificate, which ensures that you are truly communicating with the Online Banking Server and not a third party trying to intercept the transaction.

After a secure connection has been established between your browser and our Server, you then provide a valid User ID and Password to gain access to the services. This information is encrypted, logged by the Server forming another complete physical security layer to protect the Server's information and request to log on to the system is processed. Although SSL utilizes proven cryptography techniques, it is important to protect your User ID and Password from others. You must follow the Password parameters we specify at the time you sign up for an Internet banking account. We also recommend changing your Password often. Session time-outs and a limit on the number of logon attempts are examples of other security measures in place to ensure that inappropriate activity is prohibited at the User Level.

SERVER LEVEL
All transactions sent to our Banking Server must first pass through a filtering router system. These filtering routers automatically direct the request to the appropriate server after ensuring the access type is through a secured browser and nothing else. The routers verify the source and destination of each network packet and manage the authorization process of letting packets through. The filtering routers also prohibit all other types on Internet access methods at this point. This process blocks all non-secured activity and defends against inappropriate access to the Server.

The Banking Server is protected using a firewall platform. This platform defends against system intrusions and effectively isolates all but approved customer financial requests. The platform secures the hardware running the Online applications and prevents associated attacks against all systems connected to the Banking Server. The system is monitored twenty-four (24) hours a day, seven (7) days a week for a wide range of anomalies to determine if attempts are being made to breach our security framework.

HOST LEVEL
Once authenticated, the customer is allowed to process authorized Online (Internet) Banking and Bill Pay transactions using a host data. In addition, communication time-outs ensure that the request is received, processed and delivered within a given time frame. Any outside attempt to delay or alter the process will fail. Further password encryption techniques are implemented at the host level, as well as additional security logging and other complete physical security layer to protect the host information itself.

USER RESPONSIBILITIES
While our service provider continues to evaluate and implement the latest improvements in Internet security technology, users of the Online (Internet) banking system also have responsibility for the security of their information and should always follow the recommendations listed below:

• Utilize the latest 128-bit encryption version of either Netscape Navigator or Microsoft Internet Explorer. The Online (Internet) banking system is viewed and is most secure when you use one of these two browsers, as they are both certified for use at our site.
• Install and periodically update anti-spyware, virus protection and firewall software.
• Maintain patches to operating systems and browsers.
• Always keep current operating system security updates.
• Do not open e-mail from untrustworthy sources.
• Keep web browser security setting set at medium or higher.
• Your Password must be kept confidential. You must follow our specific parameters for a Password and change it frequently to ensure that the information cannot be guessed or used by others. 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 Online (Internet) banking system. Others may approach your computer and gain access to your account information if you walk away.
• Click the Home button when you are finished using the system to end your session properly. Once a session has been ended, no further transactions can be processed until you log on to the system again.
• 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 check routinely for a virus on your computer. Never allow a virus to remain on your computer while accessing the Online (Internet) banking system.
• Report all crimes to law enforcement officials immediately.

LINKS
Links to non- Del Norte Federal Bank Websites, if contained in our site, are offered only as pointers to sources of information on subjects that may be of interest to users of the Del Norte Federal Bank website, and Del Norte Federal Bank is not responsible for the content of such sites as we have no control over what is displayed there. Del Norte Federal Bank does not guarantee the authenticity of documents at such sites, and links to non-Del Norte Federal Bank sites do not imply any endorsement of or responsibility for the ideas, opinions, information, products or services offered at such sites. Use of links to any non- Del Norte Federal Bank website is solely at the user's own risk. Any linked company's products and/or services may not be FDIC insured and Del Norte Federal Bank does not guarantee these products and/or services.

When you follow these simple security measures, your interaction with our Online (Internet) banking system will be completely confidential. We look forward to serving your online banking and bill payment needs both today and into the future securely!

SECURITY PROCEDURES TO PROTECT INFORMATION                             Del Norte Federal Bank is committed to providing the highest level of security and privacy regarding the collection and use of our customers' personal information. Keeping your financial information secure is one of our most important responsibilities. We value your trust and handle your personal information with the greatest of care. Our employees access information about you only when needed to maintain your accounts or when considering a request from you for additional services. We maintain standards and procedures designed to prevent misuse of this information.

SECURITY PROCEDURES TO PROTECT INFORMATION
We safeguard information according to established security standards and procedures to help prevent unauthorized access to confidential information about you. Our technology is periodically updated and tested to continue to provide you with the highest level of protection of your privacy and to assure the integrity of your information.

Applications for accounts or services and online banking enrollment completed online require you to provide personal information that is necessary for us to process your application. To ensure that your application remains secure and confidential, the information is sent to us over a 128-bit secure server encrypted with Secure Sockets Layer (SSL) protocol.

Online banking transactions transmitted between you and our online banking vendor also use a 128-bit secure server encrypted  Secure Sockets Layer (SSL) protocol and a router loaded with a firewall to regulate the inflow and outflow of server traffic. Using this high level of technology, your online banking transactions are secure.

COLLECTION AND USE OF PERSONAL INFORMATION
The collection of personal information is designed to protect access to your personal accounts and to assist the bank in providing you with the products you want and need. All personal information collected by the bank is used for specific business purposes only to protect and administer your personal accounts and transactions, to comply with state and federal regulations, and to help the bank better understand your financial needs in order to design or improve our products.

LIMITED EMPLOYEE ACCESS TO PERSONAL INFORMATION
Del Norte Federal Bank - limits employee access to your personal information to only those bank administrators with a business reason for knowing such information. Del Norte Federal Bank also educates all employees about the importance of confidentiality and customer privacy. We take appropriate measures to enforce employee privacy responsibilities to further safeguard the privacy of your personal information. Our employees are very well versed in complying with personal information principles.

MAINTENANCE OF ACCURATE INFORMATION
We have implemented procedures to help assure that our customers' financial information is accurate, current and complete in accordance with commercially reasonable standards. While some procedures are required by federal or state law, we also have procedures for responding to requests to correct inaccurate information in a timely manner, and update information promptly. Customers should notify us immediately by calling 719-657-3376  if they receive what they believe to be inaccurate information regarding their Del Norte Federal Bank account.

RESTRICTIONS ON THE DISCLOSURE OF ACCOUNT INFORMATION
We do not reveal specific information about our customer accounts or other personally identifiable data to parties outside our affiliated companies unless (1) our customer has requested or authorized it; (2) the information is provided to complete a transaction initiated by the customer; (3) the information is provided to a reputable credit bureau or similar information reporting agency; or (4) disclosure is lawfully permitted or required. We do not provide account or personal information to non-affiliated companies for the purpose of independent telemarketing or direct mail marketing.

MAINTAINING YOUR PRIVACY IN BUSINESS RELATIONSHIPS WITH PARTIES OUTSIDE OUR AFFILIATES
Sometimes it is necessary to provide personally identifiable information about you to a party outside our bank such as a vendor or service company that we hire to prepare your account statements or to provide support or service for one or more of our products. These vendors and service companies agree to safeguard our confidential information about you and your products and services with us and must abide by applicable law.

"COOKIE" TECHNOLOGY
Many commercial websites use a technology called "cookies" to provide you with tailored information from their website. Del Norte Federal Bank's website does not use "cookie" technology. We make no attempts to identify individual users unless illegal behavior is suspected.

OUR INTERNET WEB SITE
Visitors to the Del Norte Federal Bank's web site remain anonymous. We do not collect personal identifying information about site users, unless you choose to submit such information on our feedback form. Standard software is used to collect and store ONLY the following non-identifying information about our visitors: the name and the internet service provider from which you accessed the internet, the date and time you accessed our site and the internet address of the web site from which you linked directly to our site.

If you submit an online application, it will be transmitted over a 128-bit encrypted secure server and will alert you to this fact. This is the case where confidential information such as your account number or social security number is requested.

Visitors may elect to provide us with personal information via e-mail or our feedback form. This information is used internally, as appropriate, to handle the sender's request and manage the Del Norte Federal Bank web site. It is neither disseminated nor sold to other organizations. Visitors should, however, keep in mind that e-mail is not necessarily secure against interception. If you do not agree with the use of this information, or are not comfortable with this level of privacy, please use the clear button on the feedback form or cancel the e-mail before it is sent. Visitors should call us directly at 719-657-3376  if requests include sensitive or private information, such as your account number, credit card numbers and/or Password/PIN number for your Del Norte Federal Bank ATM card or other bank cards. Del Norte Federal Bank is committed to protecting your privacy.

Our intent throughout our online presence is to collect only the information we need to deliver excellent service, use that information responsibly and keep you fully informed of how that information is being used.

PROTECTING CHILDREN
Del Norte Federal Bank does not knowingly solicit data from children, and we do not knowingly conduct online marketing to children. We recognize that protecting children's identities and privacy is important and the responsibility to do so rests with both the online industry and with parents.

If you believe Del Norte Federal Bank has misused information obtained through our relationship with you or through our web site, or if you have any questions or concerns regarding this privacy procedure, please contact Del Norte Federal Bank at 719-657-3376 to resolve the dispute.