The Internet's growth, popularity and usefulness depend on the secure handling of personal and financial information. The protection of consumers' sensitive information is critical to Crozer/Taylor/Springfield's success. Thus, in conjunction with our partners we provide you with a high degree of security by utilizing the latest security techniques and methodologies.

Application Level
Our ePayments service employs the following controls and measures:

1. Uses Secure Socket Layer (SSL) 128 bit encryption for all transmissions of consumer data in order to assure privacy
2. Automatically logs out an end user after a certain period of time in order to protect personal information from onlookers
3. The password can be changed by the end user at first sign-on and subsequently. This further protects the end user from tampering by others.

Network and Facility Level
Our ePayments Service application-processing servers are located within state-of-the-art facilities where we and third parties conduct regular reviews of our methodologies in order to satisfy SAS 70 and banking requirements. The hardware, networking and facility security measures are described below:

• Redundant firewalls configured to deny everything unless it is expressly permitted.
• The Data Center utilizes intrusion detection and scanning software from ISS. This software identifies network and system attacks and responds through session termination and firewall reconfiguration.
• 3 level card key access to gain entrance to systems including a card and palm scan.
• Around the clock physical monitoring of systems and security incident response team availability 24 hours a day.
• Personnel background checks for key positions.