PRIVACY PRACTICES

Is my information kept confidential by you?

Yes. Business owners often share their financial and private information with outside professionals to gain assistance or credit for their businesses. When doing so, business owners have the right to expect that appropriate steps will be taken to keep their information confidential. We respect your right to confidentiality and take steps we believe will afford your information the confidentiality you expect.

For example, computer access is given only to employees involved in the process of administering or monitoring account information. Staff must adhere to standards of conduct that prohibit unauthorized use of your information. We do not sell customer information to third parties. Unless required by law, legal process or required government disclosures, or under other very limited circumstances under Farm Credit regulations, your information is not provided to others, including your accountant or attorney, without your authorization.

How do you protect my privacy on the Internet?

Protecting the privacy of your information that can be accessed by you on the Internet is a priority to us. While no system of security is absolutely foolproof, we employ many security measures in our efforts to safeguard your information, including:

• Browser encryption - To use Account Access, you must use an Internet browser that utilizes 128-bit encryption technology. This is an industry standard for secure-area browsing when using information of a sensitive nature.
• Enrollment - Account Access includes an extended enrollment process to assure that only you receive information about your account. After completing and electronically submitting the enrollment form, a representative approves your enrollment and notifies you. We believe that the additional time required to enroll, relative to other Internet services, is offset by the greater assurance of your privacy.
• PIN - We've made our PIN selection and verification parameters stringent to reduce the potential for security breaches. A PIN must be at least 4 and no more than 10 characters long. Of course, you must protect the confidentiality and use of your PIN. PINs are encrypted.
• Human review - Once enrolled and active, you can immediately access information about your account such as loan balance, payment amount, interest rate, etc. Loan numbers may be submitted by you electronically, but must be reviewed and verified by an association representative before you have access to it via the Internet. This usually takes one business day. This step also helps prevent any unauthorized access to your account.
• Software safeguards - A "time out" feature exists to keep others from viewing your data after you have left your computer. After 5 minutes, the site will lock up and will require you to sign on again, with re-entry of your PIN. To thwart would-be hackers, a customer's account will be inaccessible after three unsuccessful sign-on attempts. You can attempt to log in at a later time. All activities are designed to be electronically logged, giving us the ability to review the logs if any suspicious activity occurs.
• Secure electronic mail - Account Access includes a secure electronic mail system. A secure messaging system such as this is used for passing confidential information. This system is designed in such a way that passing of information outside the secure area is restricted. This allows you to communicate directly with us with the comfort of knowing that your information is protected and secure.
• Firewall - The only way to get access to customer account information is by coming through the secured section of our Web site though a "firewall."

How can I protect my information?

Keep your PIN confidential and safe. Do not allow others to use you PINs or otherwise access your account. Sign off of your Account Access session before walking away from your computer or before visiting other Internet sites. Use our secure electronic mail, rather than your regular Internet e-mail for communicating with us.

What information do you gather about me?

When you visit our Web site, we generally automatically recognize your domain name and e-mail address. We collect the e-mail information on pages and features that you access or use. We also collect the information you voluntarily provided us.

The information we collect is used to communicate with you via e-mail where appropriate, improve our Web site, personalize the content of our Web site for you, and notify you about updates to our Web site or the service we offer.

From time to time, we may also employ "cookies" for better operation of our Web site. A "cookie" generally permits Web sites to recognize whether or not you have visited the site before. It is a piece of data given to a browser by a Web server, so that the browser will hand it back to the server on subsequent visits.

Protecting our children

We do not knowingly solicit data from children, and we do not knowingly market to children. We recognize that protecting children's identities and privacy online is important and that the responsibility to do so rests with both the online industry and with parents.

Who do I contact if I have questions about confidentiality or privacy?

You may e-mail Bill Yoakum or, during normal business hours, call 505-762-3828 and ask for Bill Yoakum.