With proper safety measures in place, your online banking transactions remain confidential and safe. The following measures have been taken to ensure your privacy:

Secure Access and Verfying 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.

Trusteer Security Software

To help protect you from online banking fraud and identify theft, we have partnered with the online security firm of Trusteer to offer a free download of their Trusteer Rapport software. Rapport works with your existing firewall and anti-virus protection and is easy to install and use. Rapport is also entirely transparent and does not require you to change the way you work or sign into websites.

Please Note: By downloading and installing Trusteer's Rapport Software, you agree with and accept all of Trusteer Inc.'s terms and conditions for use of the Rapport Software. Bank of Nevada is not associated with Trusteer Inc., Trustee, Ltd. or any of their affiliates. Bank of Nevada is making Trusteer's Rapport Software available free of charge solely as a service to its customers and it is not responsible for, and does not guarantee, the effectiveness, content, services or operation of Trusteer's Rapport Software. All problems, questions or concerns regarding Trusteer's Rapport Software should be directed to support@trusteer.com. Your access and use of the Rapport Software is also subject to the online banking services agreement between you and Bank of Nevada.

Download Rapport Here!

To learn more about Rapport, please visit the Trusteer website or read Rapport’s Frequently Asked Questions.

What are the benefits of using Rapport?

• Protect the connection between Bank of Nevada's Online Banking site and your computer against common online threats.
• The green arrow signals that you have logged into Torrey Pines Bank's genuine Online Banking site and not a website claiming to be Online Banking.

If you require any assistance using the software, please contact Trusteer directly at: support@trusteer.com.

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