Security Statement
Visitors to this bank Website remain anonymous. We do not collect identifying
information about visitors to our site. We may use standard software to collect non-
identifying information about our visitors, such as:
Date and time our site was accessed
IP address (A numeric address given to servers connected to the Internet)
Web browser used
City, state, and country
The bank uses this information to create summary statistics and to determine the level of
interest in information available on our site. Visitors may elect to provide us with
personal information via E-mail, online registration forms, or our guest book. This
information is used internally, as appropriate, to handle the sender's request. It is not
disseminated or sold to other organizations.
Some areas of our Website may use a "cookie" temporarily stored in the visitor's
computer memory (RAM) to allow the web server to log the pages you use within the site
and to know if you have visited the site before.
This Internet Banking System brings together a combination of industry-approved
security technologies to protect data for the bank and for you, our customer. It features
password-controlled system entry, a VeriSign-issued Digital ID for the bank's server,
Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a
firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank's server 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 users from repeated login attempts. After three unsuccessful
login attempts, the system locks the user out, requiring either a designated wait period or
a phone call to the bank to verify the password before re-entry into the system. Upon
successful login, the Digital ID from VeriSign, the experts in digital identification
certificates, 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 been certified as a 128-bit secure server by
VeriSign, 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 end user
makes a server session.
Router and Firewall
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 holes 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 Internet banking transactions are secure.
For more information or questions regarding this policy, contact us at:
Points West Community Bank
100 East 3rd Street
Julesburg, CO 80737
Phone (970) 474-3341
Fax (970) 474-2645
Email CustomerService@pwcbank.com

FDIC 2011-12

Security Statement
Visitors to this bank Website remain anonymous. We do not collect identifying
information about visitors to our site. We may use standard software to collect non-
identifying information about our visitors, such as:
Date and time our site was accessed
IP address (A numeric address given to servers connected to the Internet)
Web browser used
City, state, and country
The bank uses this information to create summary statistics and to determine the level of
interest in information available on our site. Visitors may elect to provide us with
personal information via E-mail, online registration forms, or our guest book. This
information is used internally, as appropriate, to handle the sender's request. It is not
disseminated or sold to other organizations.
Some areas of our Website may use a "cookie" temporarily stored in the visitor's
computer memory (RAM) to allow the web server to log the pages you use within the site
and to know if you have visited the site before.
This Internet Banking System brings together a combination of industry-approved
security technologies to protect data for the bank and for you, our customer. It features
password-controlled system entry, a VeriSign-issued Digital ID for the bank's server,
Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a
firewall to regulate the inflow and outflow of server traffic.
Secure Access and Verifying User Authenticity
To begin a session with the bank's server 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 users from repeated login attempts. After three unsuccessful
login attempts, the system locks the user out, requiring either a designated wait period or
a phone call to the bank to verify the password before re-entry into the system. Upon
successful login, the Digital ID from VeriSign, the experts in digital identification
certificates, 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 been certified as a 128-bit secure server by
VeriSign, 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 end user
makes a server session.
Router and Firewall
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 holes 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 Internet banking transactions are secure.
For more information or questions regarding this policy, contact us at:
Points West Community Bank
100 East 3rd Street
Julesburg, CO 80737
Phone (970) 474-3341
Fax (970) 474-2645
Email CustomerService@pwcbank.com
NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE
FOR TRANSACTION ACCOUNTS

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012.  This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules.

The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest.  It also includes Interest on Lawyers Trust Accounts ("IOLTAs").  It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts and money-market deposit accounts.

For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov.