With proper safety measures in place, your Net24 transactions remain confidential and safe. The following measures have been taken to ensure your privacy:

SECURE ACCESS AND VERIFYING USER AUTHENTICITY:
Unique ID and Personal Identification Number (PIN) – In order to access CNB’s Net24, you must enter a unique User ID and PIN. CNB has instituted an additional security level called multi-factor authentication.

Multi-factor Authentication – Strengthens your login by providing an additional authentication “factor” beyond the username and password.

Authentication methods are used to confirm that it is you and not someone who has stolen your identity. Authentication involves one or more basic “factors”:

• Something the user knows (password, PIN)
• Something the user has (ATM card, debit card or similar items)
• Something the user is (biometric characteristic, such as a fingerprint)

Single-factor authentication uses one of the factors. Multi-factor authentication uses more than one of the factors and is considered to be a stronger fraud deterrent.

Our goal is ensure that the proper authentication is used for particular transactions. One of our top priorities is assuring your safety and security when using Net24.

Fraud Awareness:
The following are ways fraudsters may trick you:

Phishing – Fraudsters trick you into entering personal information, such as account numbers and passwords by luring you to a fake website (an example is one that looks like a trusted financial institution).

Pharming – Similar to phishing, pharmers seek to obtain personal information by directing you to a bogus website where your information is stolen.

Malware – Short for malicious software, is designed to damage or take control of your computer without your knowledge and your personal information such as IDs, passwords, PINs, and account numbers are forwarded to fraudsters.

Account “Pseudo” Names – CNB allows you to choose a “pseudo name” for each of your accounts. For example, Checking, Payroll, Money Market, etc.

Automatic Log-off – If you are logged on to Net24 but do not use it for 10 minutes, you will not be able to poceed until you “re-log” onto the system.

PIN “lockout” System – To keep unauthorized individuals from accessing your account by guessing your PIN; we have instituted a PIN lockout system. If your PIN is entered incorrectly three consecutive times, the user is “locked out” of the system. You must contact the bank for your account to be reset and the system to become “unlocked.”

SECURE DATA TRANSFER:
Encryption – The latest encryption technology reduces the risk that your confidential account information could be accessed by another party. Encryption is a way to rewrite something in a code, which can be decoded later with the right “key.” When you request information about your accounts, the information is sent across the web in an encrypted format to CNB. We decode your request and send the requested information back to you in an encrypted format. When the information reaches you, it is decoded so that you, and no one else, can read it.

ROUTER AND FIREWALL:
Other Security Measures – In addition to the above safeguards, sophisticated firewalls and an authentication process ensure that only authorized individuals are allowed to enter our system.

How you can protect your Internet security?
While CNB works to protect you banking privacy, you will also play an important role protecting your accounts. There are a number of steps you can take to ensure that your CNB account information is protected, including:

• Keep your PIN to yourself.
• Change your PIN frequently. PINs must be a combination of numbers and letters. (The system requires a change every 90 days)
• Remain at your computer until your CNB transactions are completed then log out. Log out of CNB Online Banking prior to visiting other Internet sites.
• If you notice suspicious or unusual activity on your CNB accounts, call (304) 258-1520 or (888) 258-1520 (long distance).
• Do not change your “pseudo name” for your CNB accounts to your account numbers.