Introducing LifeLock®:
Protecting your identity

Identity Theft Protection

Identity theft can happen anywhere to anyone. In line at the store, online at home or when you're buying your morning coffee. If your identity is stolen, you can spend hundreds of hours cleaning up your credit and struggling to get back your good name. But not with LifeLock®.

LifeLock is a new service available through Northway Bank. LifeLock provides next-generation identity theft protection, with proactive steps that help protect you from identity theft before it happens. In addition to helping you protect your identity and personal information, LifeLock backs its service with a $1,000,000 guarantee if you ever become a victim of identity theft.

LifeLock's Five Easy Steps to Your Protection:

First, we ask the credit bureaus to set free fraud alerts on your behalf and repeat the request every 90 days.

Second, we request that your name be removed from pre-approved credit card and junk mail lists. Statistics show that this is one of the many ways that thieves hijack identities.

Third, we order credit reports annually on your behalf from the major credit bureaus and have them sent directly to you.

Fourth, if ever your wallet goes missing, just call us- anytime, anywhere- and a WalletLock™ specialist will help you contact each credit card, bank or document issuing company, cancel your affected accounts and complete the paperwork and steps necessary to replace your lost documents*, including your credit/debit cards, driver's license, social security card, insurance cards, checkbook - even travelers checks- at no additional cost. Enjoy added protection with eRecon™ that searches the web for the illegal selling of your information and TrueAddress™ that notifies you when a change of address is requested on your behalf.

Lastly, if your identity is ever stolen while you're a member of LifeLock, we will reimburse direct expenses that are incurred as a result of the theft and pay up to $1,000,000 for professionals with the right expertise to help restore your good name.

What can you do to prevent
fraud and protect yourself?

There are a number of ways to minimize your risk and protect yourself:

Review your credit report annually. A free copy of your credit report is available at www.annualcreditreport.com or by calling 1-877-322-8228.

Immediately report any and all suspicious card activities to a bank representative.

Immediately review all account activity on all bank statements when you receive them.

Do not leave credit card or debit card numbers where they could be obtained by others.

When ordering items via the internet, ensure that all orders are placed through a secure site and display certification, such as VeriSign™

Do not leave credit card information in your mailbox with the flag up.

Utilize Internet Banking regularly to monitor your account activity and quickly detect any fraudulent transactions.

Shred documents that contain personal information before discarding.

Do not open or respond to online solicitations for personal information. Northway Bank will never ask customers to send personal information via email.

Give your Social Security number (SSN) only when absolutely necessary, and ask to use other types of identifiers instead. Ask the following questions before deciding whether to give out your SSN:

- Why do you need my SSN?
- How will my SSN be used?
- How do you protect my SSN from being stolen?
- What will happen if I don't give you my SSN?

Keeping you safe along the way

Internet Banking

Fraud Detection

Debit Card Replacement Service

If you have misplaced or believe your debit card has been stolen, we can cancel your old card and issue a new card immediately. You can conveniently do this through Internet Banking, our automated telephone banking system, the Customer Support Center or any banking center.

*Pictures, cash and other monies are excluded. Member is responsible for all applicable fees charged by document issuing companies to replace lost or stolen documents.