May 9, 2008

With proper safety measures in place your Online Banking and Bill Payment transactions remain confidential and safe. The following measures have been taken to ensure your privacy:

Secure Access and Verifying User Authenticity
Unique ID and Personal Identification Number (PIN): In order to access Artisans' Bank's Online Banking, you must enter a unique User ID and PIN.

Account "Pseudo" Names: Artisans' Bank allows you to choose a "pseudo name" for each of your accounts. For example, Mary's Checking, Payroll, Savings 1, etc.

Automatic Log-Off: If you are logged on to Online Banking but do not use it for 10 minutes, you will not be able to proceed until you "re-log" onto the system.

PIN "Lockout" System: To keep unauthorized individuals from accessing your account by guessing your PIN, we have instituted a PIN lockout system. If your PIN is entered incorrectly three consecutive times, the user is "locked out" of the system. You must contact the bank for your account to be reset and the system to become "unlocked".

Dormant Accounts: If your Online Banking account has been inactive for 90 days or more you will need to contact Artisans' Bank to reactivate it.

Transfer
Encryption: The latest encryption technology ensures that your confidential account information cannot be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right "key." When you request information about your accounts, the information is sent across the web in an encrypted format to Artisans' Bank. We decode your request and send the requested information back to you in an encrypted format. When the information reaches you, it is decoded so that you, and no one else, can read it.

Router and Firewall
Other Security Measures: In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.

How can you protect your Internet security?
While Artisans' Bank works to protect your banking privacy, you will also play an important role in protecting your accounts. There are a number of steps you can take to ensure that your Artisans' Bank account information is protected, including:

• Keep your PIN to yourself.
• Change your PIN frequently (the system requires a change every 120 days).
• Remain at your computer until your Online Banking transactions are completed and log out. Log out of Online Banking prior to visiting other Internet sites.
• If you notice suspicious or unusual activity on your Online Banking accounts, call your local branch during regular business hours.
• Do not change your "pseudo name" for your Online Banking accounts to the numeric account numbers.