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Under the Federal Community
Reinvestment Act (CRA), the Federal Deposit Insurance Corporation
(FDIC) evaluates our record of helping to meet the credit needs of
this community consistent with safe and sound operations. The FDIC
also takes this record into account when deciding certain
applications submitted by us.
Your involvement is encouraged.
You are entitled to certain information about our operations and
our performance under the CRA, including, for example, information
about our branches, such as their locations and services provided
at them; the public section of our most recent CRA Performance
Evaluation, prepared by the FDIC; and comments received from the
public relating to our performance in helping to meet community
credit needs, as well as our responses to those comments. You may
review this information today.
At least 30 days before the beginning of each quarter, the FDIC
publishes a nationwide list of the banks that are scheduled for
CRA examination in that quarter. This list is available from the
Regional Manager, Division of Compliance and Consumer Affairs,
FDIC, 25 Jessie Street at Ecker Square, Suite 2300, San Francisco,
California 94105. You may send written comments about our
performance in helping to meet community credit needs to Ed Fortmiller, Community Reinvestment
Act Officer, Citizens Bank, PO Box
30, Corvallis, Or, 97339-0030 and the FDIC Regional Manager. Your
letter, together with any response by us, will be considered by
the FDIC in evaluating our CRA performance and may be made public.
You may ask to look at any comments received by the FDIC Regional
Manager. You may also request from the FDIC Regional Manager an
announcement of our applications covered by the CRA filed with the
FDIC. We are an affiliate of Citizens Bancorp, a bank holding
company. You may request from the Regional Manager, Division of
Supervision and Consumer Protection, Federal Reserve Bank of San
Francisco, 25 Jessie Street at Ecker Square, Suite 2300, San
Francisco, California 94105 an announcement of applications
covered by the CRA filed by bank holding companies.
For More Information Please Contact:
Ed Fortmiller, Mortgage Loan Officer
& CRA Officer
541-766-2244
This
Internet Banking System, Citizens eBank, brings together a
combination of industry-approved security technologies to protect
data for Citizens Bank and for you, our customer. It features
password-controlled system entry, Secure Sockets Layer (SSL)
protocol for 128 bit data encryption, and a router loaded with a
firewall which regulates and filters the inflow and outflow of
server traffic.
Secure Access and Verifying User Authenticity
To begin a session with Citizens eBank the user must key in a
Log-in ID and a password. Our system, the Internet Banking System,
uses a "3 strikes and you're out" lock-out mechanism to deter
unauthorized users from repeated login attempts. After three
unsuccessful login attempts, the system locks the user out,
requiring a personal phone call to the Bank to reestablish the
password before re-entry into the system. Upon successful login,
the Digital ID from VeriSign, authenticates the user's identity
and establishes a secure session with that visitor.
Secure Data Transfer
Once the server session is established, the user and the server
are in a secured environment. Because the server has a 128-bit
encryption, data traveling between the user and the server is
encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data
that travels between the Bank and customer is encrypted and can
only be decrypted with the public and private key pair. In short,
the Bank's server issues a public key to the end user's browser
and creates a temporary private key. These two keys are the only
combination possible for that session. When the session is
complete, the keys expire and the whole process starts over when a
new customer opens a server session.
Router and Firewall
All requests must filter through a router and firewall before they
are permitted to reach the server. A router, a piece of hardware,
works in conjunction with the firewall, a piece of software, to
block and direct traffic coming to the server. The configuration
begins by disallowing ALL traffic and then opens pathways only
when necessary to process acceptable data requests, such as
retrieving web pages or sending customer requests to the Bank.
Using the above technologies, your Citizens eBank on line
transactions meet or exceed all industry standards for security.
The online financial services offered through Citizens Bank's Web
site are not designed for or directed toward children under age
13. We do not knowingly solicit or collect data from children, and
we do not knowingly market to children online without express
parental consent or notification. If we receive online information
from any child, we will only use the information to respond
directly to a child's request. We recognize that protecting
children's identities and online privacy is important and that
responsibility rests with us and with parents. If you believe your
child has provided personally identifiable information to us,
please contact us. Please call us at (541) 752-5161 or toll free
outside of the Corvallis area at (800) 577-1778, or contact us by
e-mail at
customerservice@citizensEbank.com. (Please do not send sensitive information via e-mail.) |
Equal Housing Lender