a) Internet E-mail

Communications via Internet e-mail is not a secure medium and is subject to interception, loss or alteration. In the circumstances, Legacy Savings will not accept nor act on requested transactions or instructions received via Internet e-mail. A user of this web site that chooses to send Internet e-mail messages to Legacy Savings that contain personal, financial, or confidential information does so at their sole risk. If Legacy Savings communicates with you via Internet e-mail. at your request, such communication shall also be at your risk and Legacy Savings will not be held responsible.

b) Encryption

Legacy Savings uses 128-bit encryption to assist you in protecting your personal or financial information. Encryption is a method of scrambling data for transmission on the Internet. Legacy Savings recommends that you use this level of encryption when transmitting financial, personal, or confidential information over the Internet. Most Internet browsers use a standard 40-bit encryption and this is the minimum that our Remote Banking Product, MemberDirect®, will support. We recommend that you upgrade your computer to 128-bit encryption by visiting either the Microsoft or Netscape web sites and downloading the free browser software for 128-bit encryption.