We are as interested in security as you are! When you log on to FirstLink Online Banking you enter a "secure server" environment. You will know you are in a secure area when the solid key appears in the lower left corner of your Netscape screen, or when the closed lock appears in Microsoft  Internet Explorer. When you are not in a secure session, Netscape's key appears broken and Microsoft's lock is not shown.

We use the latest Secure Sockets Layer (SSL) cryptography. This means that each and every time your account information is transmitted between our computers and yours, it is automatically encrypted (scrambled) to keep the transmission private and confidential. Interception of data is prevented by user authentication and eavesdropping is prevented by data encryption. Once inside the secure server, a second proprietary system is used for password protection to prevent unauthorized access.

FirstLink Online Banking will require you to enter a User ID as well as a Password. You should never distribute either of these codes unless you want someone else to have access to your account. Treat this User ID and Password as you would your PIN for ATM access. We strongly urge you to never write it down; memorize it! In addition, your Internet service provider must support Secured Sockets Layers (SSL) technology and you must use a secure Web browser. You should take appropriate precautions to keep your computer clean and free from viruses that could be used to capture Password keystrokes.

We have taken significant measures to help ensure that your personal information remains confidential and secure within our Bank. We use state-of-the-art network, data, and physical security practices to protect your data to the best of our ability.

Security Overview

We make every effort to ensure that your information is protected. We use current industry standard encryption and employ SSL encryption to insure that information passed between our site and your browser is secure. Physical Security

All servers involved in gathering, storing, and providing the data to you are operated in a secure data center that has restricted access to authorized personnel only. Our data center is monitored 24 hours per day and only certified employees are permitted on premises through the use of a picture ID and electronic access. A record is kept of all personnel who have entered the secure data center.

Access to servers requires multiple levels of authentication and sensitive data including your access credentials and account numbers are always stored in encrypted format at all times.

Our employees are made aware of our security policy's procedures and practices through their acceptance on a yearly basis that they have carefully reviewed and abide by it.

Firewalls

All external access to our internal network must go through firewalls. Additional firewalls are used to secure access to the application and database from internal sites within our institution. Our firewalls are regularly tested to insure that they are able to protect your personal information from unauthorized external and internal access.

Intrusion Detection

We use an Intrusion detection system to continuously monitor unauthorized attempts to access our site.

Secure communications between systems

We use SSL to securely encrypt and protect all communications between your browser and our web servers.

Internal Business Practices

We store all access credentials in an encrypted format on a secure data warehouse. Only a few authorized individuals have access to the data warehouse and no one except you can ever see the access credentials that you have provided.

We require all users to provide ID's and passwords using both alpha and numeric characters to prevent easy guessing of passwords by unauthorized individuals. If you ever lose or forget your password, we allow you to reset it by first accessing a token sent only to your email address on record and then providing the answer to your secret question or by calling your branch and having them reset your password.

Questions

If you have any questions about our security procedures you can contact us via email at customerservice@fnbli.com or by phone at 516-671-4900 or 212-566-1500. Be sure to provide your name, contact information, and clearly state the question. We will make every effort to answer your questions.

• Balance Last Statement: Displays the ending balance in your account on your last statement date.
• Last Statement Date: Date of last activity statement rendered on your account. This is the date that activity ended on your last statement in this account.
• Available Balance: This balance is calculated using the ledger balance less any POS purchase, ATM withdrawal, or holds placed on the account after the 2:00 p.m. processing time, plus any electronic deposits or transfers from another account that have not yet posted.
• Next Statement Date: The date on which your next statement will be rendered to you.
• Ledger Balance: The balance in your account after that day's posting of transactions from the 2:00 p.m. cutoff. When looking at the ledger balance, you must take into consideration any checks, drafts, ATM withdrawals, POS purchases, electronic deposits, or transfers made, that have not yet cleared your account.
• Ledger Balance as of: This date reflects the last bank posting date that ends at 2:00 p.m. each day.
• Last Deposit: The amount of the last deposit to your account.
• Last Deposit on: The date the last deposit was made.
• Interest Accrued This Statement: Reflects the amount of interest that has accrued on this account since your last statement date.
• Todays Credits: Reflects any cash deposit or electronic deposit (such as a direct deposit) or transfers not posted to the account.
• Interest Accrued YTD: Reflects the total amount of interest accrued on this account for the current year.
• Todays Debits: Reflects any ATM withdrawals, Point-Of-Sale purchases, holds, or transfers made from this account, not posted.

Here are some of the ways to make deposits and withdrawals with The First National Bank of Long Island.

Deposits:

Visit your local Branch.

Direct Deposit into your account is a fast and efficient method.

ATM  Many of our ATMs will accept your deposit.

Wire Transfers  This is a convenient option for moving funds from another institution into your First National Bank of Long Island deposit account.

Withdrawals:

Visit your local Branch.

First Class Teller Card provides you value and convenience, use it for cash withdrawals at ATMs wherever you see the NYCE, Cirrus, MAC, Plus or HONOR signs. Use it at most merchant locations, simply swipe your First Class Teller Card, use your PIN, sign and go! The total of your purchase will be automatically deducted from your Checking Account.

1. From the online banking account history screen, click on the "Download History" button. This will bring up a screen where you can select a range of dates from which to download.
2. Select a range of dates from which to download.
3. After selecting the dates, click on "Download". This will bring up a box that says you have started to download a file of type text/qif.
4. Click on "Save File". Once you've done this, you can now go into Quicken/Quickbooks or Microsoft Money and import the file.

1. Steps (1) and (2) are the same as above.
2. Click on "Download". This will bring up a box, which will ask you what you would like to do with the file.
3. Click on "Save file to disk". As an example, make sure the default file name is "SOMETHING.qif".
4. Click on "OK" to begin the download.
5. Once you've done this, you can now go into Quicken/Quickbooks or Microsoft Money and import the file.

When you schedule a payment, you can select to process it "ASAP" or you can select a specific date up to one month in the future. If you select ASAP as your Process Date and submit your payment request prior to 8:00 p.m. Eastern Standard Time on a business day (Monday-Friday, excluding holidays), the funds will be withdrawn from your account that day and the payment will be sent the following business day. If your ASAP payment request is made on a non-business day, the payment will be processed (and funds withdrawn) on the next business day and sent the following business day.

You can choose a Process Date on a specific date up to one month in the future. If you select a process date that is a non-business day, the payment will be processed (and funds withdrawn) on the next business day and sent the following business day.

We recommend that all Process Dates you select be at least five (5) business days before the actual "payment due date", not the late date and/or grace period date.

By clicking the "Add A Merchant" button, you can add a merchant to your list and pay a bill immediately. Simply perform a search for the merchant to determine if the merchant already exists on the banks database. If a match is found, you can save time by simply choosing to establish a link with the merchant and entering your account number with the merchant.

If the merchant is not on our database, select "Add Your Own Merchant" and enter the merchants full name, address, phone number and account number. You will still have the ability to pay this merchant immediately.

Its that easy. Once your merchant has been linked to your account, you can go to "Your Merchant List" to create a recurring payment or pay the bill by selecting "Pay A Bill".

Your personalized Merchant List is now available to provide a means of quickly viewing detailed merchant information. By clicking on the "Your Merchant List" button, the following information is available for each merchant:

Account Number

Address

Phone Number

Recurring Payment Information

You can also establish or modify a recurring payment, modify merchant information or delete a merchant from your Merchant List.

1. Add a new merchant with the updated address.
2. Re-enter your account number and applicable payment information.
3. Link the merchant to your account.
4. Once you have successfully linked the merchant to your account, delete the merchant with the old address from your merchant list.