In order to guarantee the integrity of your accounts, the systems of Waterfield Bank and Waterfield Financial Services, Inc. incorporate the highest level of protection currently available. All of the customer deposits are FDIC insured up to the full extent of the law by a Participating Bank; no individual has suffered a loss from a FDIC insured account since the agency's creation in 1933. Our online banking system provides stringent security measures at a variety of levels beginning with your computer.

• In order to apply for or access your accounts, we require that you use an Internet browser equipped with the highest available 128-bit SSL encryption technology to prevent information passing between us from being intercepted.

• We also use digital ID's from Verisign so that you can rest assured that when you log on, you are in fact communicating with us.

• Account access is protected by a password known only to you. Strings of eight alpha-numeric characters are employed; making it extremely unlikely that your password can be guessed randomly.

• Online banking sessions are closely monitored to deny unauthorized persons access to your account. If your session shows ten minutes of inactivity, you are automatically logged off our secure server. More than three successive attempts to log onto your account with an incorrect password will cause us to deny service to that terminal until you contact us. All account activity is constantly logged and monitored for suspicious activity.

• The computers storing your account information are well protected from the Internet by several layers of security including cutting edge firewall and filtering router technology. These specialized computers rigorously control and validate all incoming data and requests before initiating action with the bank's internal servers.

One of the Banking Center's primary objectives is to provide the highest level of security available to its customers. To this end, we are constantly testing and evaluating our current implementation and will move quickly to incorporate new technology that has proven to elevate the level of security we can offer our customers. While we will do everything we can in this regard, there are certain guidelines you must follow to ensure that your account is not compromised.

• Keep your password completely confidential. Avoid writing it down. Do not reveal it to anyone. Remember that no Bank employee will ever ask you for it.

• Do not leave your PC unattended while you are accessing your account. When you are finished, be sure to log off.

• Keep your computer free of viruses or unwanted programs that might record your activities on your computer or otherwise disrupt your online activity.

• Install virus protection software and scan all downloaded software, as wells all diskettes, before use. Also delete emails with attachments from unknown sources.

• To verify that your session is secure, look for https: instead of http: in the URL address line, and a secure symbol (for example, closed padlock or key) on the status bar of your browser located on the lower part of the screen.

• Do not send your account number, social security number or other identification information, passwords or other non-personal information to us by unprotected email. Communicate through Secure Bank Mail available to you when you login to your account. While we may contact you through Secure Bank Mail, we will never contact you by regular email to ask you to provide personal information about you or your account. If you ever receive such an email, please notify us immediately by forwarding the email to us at customercare@nrabankingcenter.com.

The Banking Center's greatest desire is that you feel safe and comfortable at all times when using your Bank account. Should you have any questions, please feel free to contact us at customercare@nrabankingcenter.com or telephone us toll free at 866-674-5754, between Monday thru Friday 7AM - 11PM ET and Saturday thru Sunday 8AM - 11PM ET.

WB WFS Security Doc 12.06.08