Bandera Bank has engaged technology experts to ensure that it has state of the art technology to protect your information and transactions, keeping them private and secure as you us the institution's Internet banking system. Through the institution's Internet banking system, you may conduct banking transactions, and communicate with the institution. Accounts cannot be accessed unless you enter your secure user ID and password. All Internet banking system sessions will automatically log off after 15 minutes of inactivity. Access to the Internet banking system can only be from a browser that supports 128-bit encryption or higher, for your protection. You may further assist in keeping your information confidential by protecting your user ID and password and by signing off from the Internet banking systems immediately after each use. To provide better security, Bandera Bank may use cookies as part of its Internet connection with you. "Cookies" are small text files placed on your hard drive by some web servers and can only be read by the server that sent the cookie. Cookies cannot be used to access information on the hard drive or activities on other web sessions. The institution's web server creates a cookie to facilitate Internet banking activity for each session. The cookie stores certain customer information while the session is in process; however, the institution does not collect information through the use of cookies. As soon as the session is ended, the cookies are automatically removed and does not remain on your computer.