The Lyons National Bank is pleased to be able to provide you with ever
increasing banking convenience through our sophisticated online services.
As always, we place the highest priority on protecting your personal financial
information, and we believe you should know about the steps we’ve taken
to keep you secure, as well as what you can do to further protect yourself.

Please remember, we will never ask you to provide personal information
such as your account number, password or User ID to us via e-mail.
If you receive any e-mail communications asking for this information, do not
respond, reply or click on any link in the e-mail. These e-mails are part of a
high-tech scam known as “phishing” and should be deleted immediately.

Online Banking Security

• User ID and Access Code – You can establish your User ID and Access Code
and can change them at any time. We encourage you to choose an Access
Code that uses a combination of both numbers and letters, as these are the
safest. Additionally, we strongly advise against using obvious Access Codes,
such as your birthdate or name. Be sure to keep your User ID and Access
Code private, as you would your ATM PIN, and never share it with anyone.
If you suspect that someone knows your Access Code, change it immediately
online. Simply log in using your User ID and Access Code. Once you are
logged in, click on “Change Access Code” under “Customer Services” in the
Navigation bar. This will allow you to designate a new Access code.

• Additional Layer of Security – In order to make your online banking
experience as safe as possible we’ve added an additional layer of
security that monitors online activity to detect uncharacteristic or unusual
behavior involving your online account. If anything out of the ordinary is
detected, we will ask you to verify your identity by answering pre-set
security questions. While banking online, you will be prompted at some
point to pick security questions and answer those questions. If you are
unable to answer your security questions when prompted to do so while
accessing your online accounts, we will call you to verify that it is you who
is attempting to access your online accounts. Most of the time you won’t
notice that the security feature is even there, but it will still be protecting
you 24/7.

If you have additional questions, call or stop by your local LNB Office or
click here to view frequently asked questions regarding the additional layer
of security.

• Logging Out – You should always log out of the LNB Online Banking system
when you are finished using it, even if you are accessing it from your home
computer. To further protect you, the system has an automatic log-off feature
that will end your session after 10 minutes of inactivity.
-Don’t leave your PC while you are logged in to the online banking system.
-When you finish your online banking session, you should use the Log-off
button to leave the service, before visiting other Web sites.
-Whenever possible, use LNB Online Banking and Bill Payer from your home
computer. If that’s not possible and other people have access to your PC,
clear your browser’s cache in order to remove copies of Web pages that
may have been stored temporarily on your system. (Refer to your
browser’s Help file for instructions on clearing your cache.)

• Web Site Encryption – We have registered our secure site with VeriSign.
Our VeriSign Digital Secure Server ID enables users to verify our site’s
authenticity and to communicate with it securely via state-of-the-art Secure
Socket Layer (SSL) encryption. As a result, all your information is encrypted
using the most sophisticated methods available. This scrambles your personal
information and makes it unreadable until it reaches your browser to protect
against unauthorized viewing or usage – especially during transmission.

• E-mail Encryption – The Lyons National Bank uses e-mail encryption to deliver
non-public information securely. This service also solidifies customer trust,
significantly reduces the risk of loss of reputation, and prevents data leaks.
We adhere to guidelines issued by regulatory agencies, while streamlining the
communication process. Our solution includes a database specifically designed
to automatically detect and encrypt messages that contain personally
identifiable information. It is transparent to the end users and helps prevent
accidental transmission of confidential data.

• Firewalls and Routers – LNB’s system of firewalls form a barrier between the
Internet and our internal systems. All incoming information is routed through
the firewall, which verifies the source and destination of each piece of
information. We also utilize various monitoring systems to detect and stop
suspicious and potentially fraudulent activity, such as repeated incorrect
password attempts.

> Online Security