Southwest Securities, FSB

Anonymous Reporting Hotline

Report It

Have you noticed an issue of workplace misconduct such as theft, fraud, dishonesty, harassment, unethical behavior or improper accounting practices? Then we urge you to report it.

You are never required to provide any personal identifying information to access the system online or by telephone - it is all done by access code. The hotline and the Website link are completely confidential, and are administered by an independent third-party to ensure full anonymity for anyone who uses them. The toll-free hotline number, and the link to file a report online are both available 24 hours a day, 365 days a year.

Call the hotline number 877-778-5463, give your username (swsgroup), and password (swsgroup), and the operator with the reporting service will help you submit your report. The operator then files the report and sends it to the company for you so that you may maintain complete anonymity. You will never have to speak to anyone affiliated with SWS Group, and no one at the company will ever contact you, it will all be done through the reporting service.

You may also file a report from any computer with online access. Go to www.reportit.net and click on the Report it Online button, enter your username (swsgroup), and password (swsgroup). Simply type in your answers to the given questions to submit your anonymous report. Try to be as clear and complete as possible so that your concerns may be properly and thoroughly investigated.

Southwest Securities, FSB

Your Ability to Withdraw Funds

Our policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

For determining the availability of your deposits every day is a business day, except Saturdays, Sundays, and federal holidays. If you make a deposit before 4:00 P.M. on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after 4:00 P.M. or on a day we are not open, we will consider that the deposit was made on the next business day we are open.

Longer Delays May Apply

In some cases, we will not make all of the funds that you deposit by check available to you on the first business day after the day of your deposit. Depending on the type of check that you deposit, funds may not be available until the second business day after the day of your deposit. However, the first $100 of your deposits will be available on the first business day.

If we are not going to make all of the funds from your deposit available on the first business day, we will notify you at the time you make your deposit. We will also tell you when the funds will be available. If your deposit is not made directly to one of our employees, or if we decide to take this action after you have left the premises, we will mail you the notice by the day after we receive your deposit.

If you will need the funds from a deposit right away, you should ask us when the funds will be available.

In addition, funds you deposit by check may be delayed for a longer period under the following circumstances:

• We believe a check you deposit will not be paid.
• You deposit checks totaling more than $5,000 on any one day.
• You redeposit a check that has been returned unpaid.
• You have overdrawn your account repeatedly in the last six months.
• There is an emergency such as failure of computer or communications equipment.

We will notify you if we delay your ability to withdraw funds for any of these reasons, and we will tell you when the funds will be available. They will generally be available no later than the 5th business day after the day of your deposit.

Special Rules for New Accounts

If you are a new customer, the following special rules will apply during the first 30 days your account is open.

Funds from electronic direct deposits to your account will be available on the day we receive the deposit. Funds from deposits of cash, wire transfers, and the first $5,000 of a day’s total deposits of cashier’s certified, teller’s traveler’s and federal, state and local government checks will be available on the first business day after the day of your deposit if the deposit meets certain conditions. For example, the checks must be payable to you. The excess over $5,000 will available on the ninth business day after the day of your deposit. If your deposit of these checks (other than a U.S. Treasury check) is not made in person to one of our employees, the first $5,000 will not be available until the second business day after the day of your deposit.

Funds from all other check deposits will be available on the 5th business day after the day of your deposit.

MEMBER FDIC
rev 02/10

Southwest Securities, FSB

IMPORTANT INFORMATION!

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you including your driver's license or other identifying documents.

Southwest Securities, FSB

IMPORTANT INFORMATION!

PRIVACY POLICY
Rev. 02/10

Southwest Securities, FSB

Security Notices

Security Statement

The Southwest Securities, FSB 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 a password-controlled system entry, a secure certificate from Comodo, a Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall that regulates 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. Once the ID and password are authenticated the user will install a secure certificate or answer a security question. 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 Comodo 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 Comodo, the 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 a firewall (both pieces of hardware) before they are permitted to reach the server. The router works in conjunction with the firewall 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.