1. ON LINE BANKING ON LINE BANKING b You have the option of doing virtually all of your banking without leaving home 24 hours a day. b OB transforms your personal computer into a bank teller.

2. Six reasons to choose OB b The account balance that you receive will show checks that have yet to clear the bank. b Double check ATM cash withdrawals, debit card purchases. b Transfer founds from one line account to another.

3. b Make a payment on any loan or credit card account at your bank. b Download transaction information and automatically insert into personal software. b Closely monitor all your accounts so you can avoid overdraft fees.

4. HOW ACCESS ONLINE BANKING HOW ACCESS ONLINE BANKING b THE WEB: Using a standard web browser such as Netscape, Navigator or Internet explorer b PERSONAL FINANCE MANAGER SOFTWARE: These programs have the capability to exchange information with your bank online. ( Ex: Quicken, Microsoft Money)

5. SECURITY SECURITY b Depending on how you access your accounts security could be guaranteed in a variety of ways.

6. Security Features Security Features b FIREWALLS: Protects the bank’s computer and data from being accessed by outsider b DATA ENCRYPTION: Guarantees that your data will be unintelligible to anyone that may encounter it as it passes over the internet.

7. WEB BILL PAY WEB BILL PAY b Pay Bills: Let you pay your bills b E-Bills:Lets you view or pay electronically delivered bills. b Quick Pay:Lets you quickly make payment to multiple payees