§ 21.3 - Security program.

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Contents of security program. The security program shall:

Establish procedures for opening and closing for business and for the safekeeping of all currency, negotiable securities, and similar valuables at all times;

Establish procedures that will assist in identifying persons committing crimes against the institution and that will preserve evidence that may aid in their identification or conviction; such procedures may include, but are not limited to:

Using identification devices, such as prerecorded serial-numbered bills, or chemical and electronic devices;

Maintaining a camera that records activity in the banking office; and

Retaining a record of any robbery, burglary or larceny committed or attempted against a banking office;

Provide for initial and periodic training of employees in their responsibilities under the security program and in proper employee conduct during and after a robbery; and

Provide for selecting, testing, operating and maintaining appropriate security devices, as specified in paragraph (b) of this section.

Security devices. Each national bank shall have, at a minimum, the following security devices:

A means of protecting cash or other liquid assets, such as a vault, safe, or other secure space;

A lighting system for illuminating, during the hours of darkness, the area around the vault, if the vault is visible from outside the banking office;

Tamper-resistant locks on exterior doors and exterior windows designed to be opened;

An alarm system or other appropriate device for promptly notifying the nearest responsible law enforcement officers of an attempted or perpetrated robbery, burglary or larceny; and

Such other devices as the security officer determines to be appropriate, taking into consideration:

The incidence of crimes against financial institutions in the area;

The amount of currency or other valuables exposed to robbery, burglary, or larceny;

The distance of the banking office from the nearest responsible law enforcement officers and the time required for such law enforcement officers ordinarily to arrive at the banking office;

The cost of the security devices;

Other security measures in effect at the banking office; and

The physical characteristics of the banking office structure and its surroundings.