Northmark Bank understands that the security of your personal information and your account information is important to you. We also understand that the security of your personal information and your account information relies on both our ability to offer banking services to you in a secure manner as well as your responsibility for keeping any User Identification Names (User ID's), Personal Identification Numbers (PIN's) and the answers to your personal verification questions secure. To assist us in offering these Web-based banking services in a secure manner, we employ a number of measures, which are identified below. These measures allow us, among other benefits, to properly authenticate your identity when you access these services and to protect your information as it traverses the Internet between your personal computer (PC) and Northmark Bank.

Our Online Banking and Online BillPay security measures include:

• A requirement for each user to privately maintain a combination of a User ID and a PIN.
• A user-selected watermark that appears after you enter your User ID.  This watermark tells you that  you are signing onto Northmark Bank’s web site and not an imposter site.
• PIN-change reminders that will require you to change your PIN periodically. 
• A risk-based authentication system to verify your identity and authorize transactions. 
• An automatic logoff feature which will end your session if it remains inactive.
• An automatic lockout feature which will disable your account if your PIN is repeatedly entered incorrectly.
• The use of account names that you can assign which eliminate the need for your account numbers online.
• A requirement that you utilize a secure browser which will support 128-bit encryption. We recommend using either Microsoft Internet Explorer (version 5.5 or higher) or Netscape Navigator (version 4.7 or higher) for optimal viewing of this web site and to take advantage of secure interactivity with our site.
• The use of secure servers. This security is evident by the "https" that will appear in the URL (as opposed to "http" which appears for normal web pages). If you are using Internet Explorer or Netscape Navigator you will see a locked padlock at the bottom right of your browser window when browsing secure web sites.
• The user of a firewall which isolates our server from the Internet and limits access that outside computers have to Northmark Bank's server.
• A prohibition on e-mail use on our web site because of e-mail’s inherent security vulnerabilities.

What Can You Do?
While we have instituted numerous security measures, you also play a role in protecting your confidential account information. There are a number of steps that you can take to ensure that your information is protected, including:

• Don't reveal your User ID, your PIN or the answers to your personal verification questions to anyone. This information is designed to protect your account information, but it can only be effective if it is kept private.
• Select an unusual watermark and watch for its appearance after you enter your User ID. If you do not see the watermark you selected, you should NOT enter your PIN and you should call our Online Banking department immediately.
• Remember that we will NEVER contact you via e-mail asking you to furnish your PIN, social security number, mother's maiden name or any other confidential information. There are no pop-up windows on our web site that request such information. If you receive such a request it is not legitimate; please contact our online banking department immediately.
• Use care when selecting your PIN. Don't select PINs that can be easily guessed. Don't select a PIN that is so complex that you have to write it down.
• Change your PIN frequently.
• Don't leave your computer unattended while you're logged on.
• When you have finished your Northmark Online Banking session, you should log off before visiting other Internet sites.
• Do not change the descriptive names for your accounts to their numeric account numbers.
• Only access your personal financial information from a computer you "trust." Publicly accessible computers are not as secure as your personal computer.
• Strengthen the defenses on your PC by using and regularly updating personal firewall, virus scanning and anti-spyware software. These programs will reduce the risks that your PC will be vulnerable to penetration. These programs are designed to help protect your confidential information from interception and unauthorized disclosure.
• Do not log into Northmark Online Banking if you suspect a virus or spyware has infected your PC.
• Keep your browser updated. Newer versions have the latest safety features.
• Stay up-to-date on Internet threats. The Federal Trade Commission (“FTC”) maintains a consumer education web site called “OnguardOnline” that provides practical tips to help you be on guard against Internet fraud, secure your computer, and protect your personal information. You may access this web site at http://onguardonline.gov/.

If you notice any suspicious or unusual activity in your accounts, or if you suspect unauthorized access to your accounts, contact us immediately at (978) 686-9100 or (781) 721-9100.