Online Banking Features

• Check account balances
• View current transactions
• View front and back of current checks
• Verify deposits and withdrawals
• View prior month's bank statements
• Download account information into financial management software such as Intuit's Quicken, Microsoft Money, Spreadsheet (.csv) or Word Processing (.txt)
• Real-time fund transfer
• Place stop payments
• Contact the bank via e-mail
• Initiate electronic bill payments (CheckFree)
• Real time account access
• Bill payment presentments

All you need is an Internet connection and a Web Browser that supports 128-bit SSL encryption. Click here to test your browser for 128-bit SSL encryption. You may contact either of these vendors for a current copy of their browser. Online Banking works on any operating system that supports the browser listed above including Windows and Macintosh.

To sign up for Online Banking, please choose "enroll now" under the login section. Setting the account up is fast and easy and you will surely enjoy banking online with First Independent Bank.

Online Banking Security

Secure Access and Verifying User Authenticity:
Unique ID and Personal Identification Number (PIN) - In order to access First Independent Bank's online banking, you must enter a unique User ID and PIN.

Account "Nicknames":
First Independent Bank allows you to choose a "Nickname" for each of your accounts. For example, Checking, Payroll, Money Market, etc.

Automatic Log-Off:
If you are logged on to online banking but do not use it for 15 minutes, you will not be able to proceed until you "re-log" onto the system.

Password "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".

Secure Data 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 First Independent 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.

While online banking works to protect your banking privacy, you will also play an important role in protecting your accounts.

Here are some important ways to ensure that you can help to keep your sensitive information protected:

• Go paperless. Try to reduce the amount of mail you receive containing personal information.
• Continually utilize all security updates offered by your software providers.
• Make sure that your computer always has up-to-date versions of both anti-spy ware and anti-virus software.
• Implement steps to prevent and detect sypware and understand the risks associated with spy ware.
• Be aware of potential phishing attempts by making sure requests for sensitive personal, financial, or account information are legitimate, particularly if they are made in an urgent or threatening tone.
• Utilize strong passwords, change them often and do not share IDs or passwords with anyone. Do not use personalized information, such as names or birthdays.
• Log out of online banking prior to visiting other Internet sites.

Protect Yourself From Identity Theft

Identity theft is on the rise across the United States. It is increasingly important that you take steps to reduce the risk of becoming an identity theft victim.

There are a number of useful online resources for consumers. One great one is www.ftc.gov/idtheft, a one-stop national reference tool providing detailed information to help you deter, detect, and defend against identity theft. It will also help you address questions like:

• What are the steps I should take if I'm a victim of identity theft?
• What is a fraud alert?
• What is a credit freeze?
• What is an identity theft report? What do I do if the police only take reports about identity theft over the Internet or telephone?
• What do I do if the local police won't take a report?
• How do I prove that I'm an identity theft victim?
• Should I apply for a new Social Security number?

To speak to a professional identity theft counselor call 1-877-FTC-HELP (382-4357).

At First Independent Bank your privacy is important - we will never ask for a customer's account number, PIN or Online Banking password over the phone or e-mail. Annually, we provide customers a copy of our privacy policy so you can feel confident we do not release your information to third party vendors.

If you suspect you have been affected by Internet fraud or identity theft related to First Independent Bank credit card purchases, contact:

• Partners First Customer Service Center at 1-866-450-1402 for Concierge Cards

If you believe you have been a victim of Internet fraud or identity theft regarding your debit card or bank accounts, contact your local First Independent Bank office.

If you notice suspicious or unusual activity on your online banking accounts, or if you need to report fraud immediately, please call (775) 828-2000.

If you suspect you might be a victim of identity theft, alert a credit bureau with your concerns and questions immediately.

You can contact the three major credit bureaus listed below to place a fraud alert on your credit file. You also can order a credit report to identify any unauthorized activity.

Equifax: 1 (800) 525- 6285
Experian: 1 (888) 397-3742
Trans Union: 1 (800) 680-7289