Personal Banking

Security and Privacy

Security

Notice of Your Financial Privacy Rights

SECURITY

Eastwood Bank employs the latest in Internet Security and User Authentication to ensure that data being transmitted through the Internet Banking System is secure from unauthorized access. The methods are outlined below.

Digital ID's from Verisign

Eastwood Bank's Internet Banking System (IBS) uses digital IDs certified by VeriSign, an industry leader in digital identification certificates, to authenticate user information and provide access to the data through the system.

How do digital ID's work?

Digital IDs work off of a matched key setup where the server has a "private" key issued only to the server and a "public" key widely distributed to the bank's customers. A digital ID requires a matched pair of keys that are unique to each other to encrypt and decrypt data. With this setup, transactions created, encrypted, and transmitted by bank customers using the public key can only be decrypted by the other key in the pair running on the server.

Secured Data Transmission

The Internet Banking System combined with digital ID authentication through VeriSign allow the server to implement Secure Sockets Layer (SSL) protocol, the standard technology for secure web-based communications. With SSL, data traveling between the bank and customer is encrypted and can only be decrypted through the pairing of the public and private key pair. SSL capability is built into server hardware and browsers, but requires a digital ID to be functional.

Cookies

Eastwood Bank may place cookies or similar files on your hard drive for security purpose and to facilitate navigation while you are visiting our site.

A secure cookie is a small text file with hashed content that is placed on a computer to help identify the user. In this case, the cookie that is stored on your PC during login lets you bypass your personalized security questions whenever you access Internet Banking in the future. The secure cookie will periodically expire on your computer and will require you to remember your computer again. Our cookies do not identify you as an individual or by account number.

If you do not accept these cookies or similar files, you may experience some inconvenience in your use of some online products. Also, when logging into Internet Banking, we will not be able to recognize your computer and you will need to answer one of your pre-defined security questions each time you log in.

Security Questions

Eastwood Bank requires Internet Banking users to select three security questions and provide answers. If we ever need to confirm your identity, your correct answers will help us verify it is you.

Firewall

Access to your information is protected by a firewall. A firewall is a device between your computer and our server that only allows authorized traffic to access the information on our server. By combining a firewall with the other authentication tools listed above, Eastwood Bank makes your Internet Banking transactions secure.

E-Mail

We collect and keep the contents of e-mail you send us in addition to your contact address and our response. This enables us to respond to your requests and questions. E-mail sent to us should be used for inquiries that are not sensitive or confidential. The e-mail addresses we use on most of the site are not secure. If we need information beyond your name, address, e-mail address and phone number, we will proved you with a secure e-mail form. We will never request that you confirm your Personal ID, account numbers, Password or other sensitive information via e-mail.

We will ask for an e-mail address when you set up a new account or services with us. We may use this address to communicate with you regarding our products and services.

Links to External Sites

We may provide links to sites outside the control of Eastwood Bank. These links are meant to provide information and services we believe may be of interest to you. We only provide links we believe are reputable; however, we do not make any representations concerning the linked sites content or availability. You should review each site's privacy and security policies before you enter confidential information on the site.

Identity Theft

Eastwood Bank is committed to protecting your personal information. Strict policies and procedures have been implemented to ensure that your personal information is kept confidential. Only authorized signers can access account information. We will never request sensitive information from you via e-mail including: Personal ID, Passwords, PINs or account numbers.

Online Privacy

Eastwood Bank does not collect identification information from users visiting this web site or using our Internet Banking system. However, we do collect usage information to determine frequency and duration of access to this site. In addition, the Internet Banking System tracks the number of transactions entered by customers. All of this information is used to create summary statistics for our site and to help the bank determine better ways to service our customer's needs.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us mean Eastwood Bank. This is our privacy notice for our customers. When we use the words "you" and "your" we mean the following types of customers:

All of our consumer customers who have a continuing relationship with us, such as:

  • Deposit account
  • Loan account
  • Credit card
  • Safe deposit box
  • Automobile lease we service
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account where we act as custodian or trustee
  • Financial, investment or economic advisory services (for a fee)
  • Home mortgage brokerage

We will tell you the sources for nonpublic personal information we collect on our customers. We will tell you what measures we take to secure that information. We will also tell you what information we share with other entities. We will explain what your rights are, and how you can exercise them. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a checking account, we suggest that you share this information with each other to ensure that each of you are aware of our policy and your options. We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.

An affiliate is a company we own or control, a company that owns or controls us, or a company that is owned or controlled by the same company that owns or controls us. Ownership does not mean complete ownership, but means owning enough to have control.

A nonaffiliated third party is a company that is not an affiliate of ours.

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms
  • Information about your transactions with us
  • Information about your transactions with our affiliates
  • Information about your transactions with nonaffiliated third parties
  • Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. As such, we may disclose all of the information we collect about you, as described above under "The Information That We Collect" to companies that perform marketing services on our behalf or to financial institutions with whom we have joint marketing agreements, provided that each such company agrees to keep all such information confidential.

NONPUBLIC PERSONAL INFORMATION AND AFFILIATES

We may disclose nonpublic personal information about you. Here are the kinds of nonpublic personal information we may disclose to our affiliates:

Transaction and experience information from our account records:

Information about your transactions and experience with us, such as

  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Deposit history
  • Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types of Affiliates

We may disclose nonpublic personal information about you to the following types of affiliates:

Financial service providers, such as

  • Securities broker-dealers at Eastwood Investment Services
  • Insurance agents at Eastwood Insurance Agency

Future Affiliate Disclosure

We also reserve the right to disclose the following additional nonpublic personal information about you to our affiliates in the future:

Other information not taken from transactions and experience:

Nonpublic personal information we receive from you on an application or other forms, such as

  • Name
  • Address
  • Assets
  • Income

You may opt out of the disclosure of the information listed above.

We may disclose this nonpublic personal information with the affiliates listed under the heading Types of Affiliates.

YOU HAVE THE RIGHT TO CHOOSE

In this notice, we have explained our policy about the disclosure of certain information.

Affiliates. We have explained the kinds of nonpublic personal information we may disclose to our affiliates. We have also explained the kinds of affiliates with whom we may disclose the nonpublic personal information. If you prefer that we do not disclose nonpublic personal information to our affiliates you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us. If you have a joint account, each participant of this account has a separate right to opt out. If one of you chooses to opt out of the disclosure of nonpublic personal information and another does not, only information regarding the party who does not opt out will be disclosed. Any participant on the account can opt out on behalf of any other participant of the account. If you wish to opt out of disclosures, and you have not already done so, you may do so by using either of the following methods:

  • Complete and return an e-mail form which you can obtain at our website at www.eastwoodbank.com
  • Call this toll free number: 1-888-810-0659