Internet and Security Information

Lorain National Bank's ("LNB") commitment to the security and confidentiality of your information extends to transactions conducted through the Internet. As a financial institution, we know that your trust in us is most important and we will work to keep that trust. We utilize the industry-standard technology and procedures to ensure the safeguarding of information submitted via 4lnb.com.

In an effort to keep you aware of how LNB protects your personal information online, we hope you will take time to read the following information. We believe the topics below are important for anyone who uses the Internet. The 4lnb.com site utilizes password-controlled entry, Internet browser security, Secure Sockets Layer (SSL) protocol and data encryption, firewalls and active monitoring. Each security component acts as a layer of protection to safeguard sensitive data from unauthorized users.

Password-controlled entry
Please note that you are ultimately responsible for protecting the integrity and security of your password. In the case of a lost or forgotten password, LNB will generate a new password for your account.

  • Each time you login to 4lnb.com, your identity is confirmed by a series of authentication steps.
  • After your identity has been confirmed, we place a small file, called a "cookie" on your hard drive to identify you throughout your session. A cookie on the Internet refers to bits of information that are placed on your computer's hard drive by a site that you have visited. Only the site that placed the cookie has access to the information from that specific cookie. Cookies do not allow the site access to your computer's files or any personal information you have stored on your computer.
  • If your session is left idle for a period of time, you will be logged out automatically.
  • If unsuccessful login is attempted more than three times, your internet account will be locked for a period of time.

Browser Security
The requirement for 4lnb.com is a browser which will support 128-bit encryption. Most current Internet Browsers, such as Microsoft Internet Explorer or Netscape Communicator support this level of encryption.

SSL and Data Encryption
4lnb.com utilizes 128-bit encryption to safeguard against a third party intercepting data while it is being exchanged through the Internet. This protection is provided by the use of Secure Sockets Layer (SSL). SSL is an encryption technology that provides secure communications over the Internet. It does this by verifying that the server to which you are connected is actually the one it claims to be. It also encrypts all transactions between the parties communicating.

4lnb.com uses digital certificates from VeriSign to confirm a secure connection.

Firewalls
LNB uses multiple layers of firewalls to protect its Internet applications and servers from unwanted intrusion. Firewalls examine incoming messages in order to protect a private network from outside Internet users.

Active Monitoring
LNB actively monitors our network and servers through the use of Intrusion Detection Systems and monitoring agents. Through this monitoring, we are aware of malicious and non-malicious activities which pose a risk to the security of our environment and allow us to take additional precautions.

Additional Security Measures
LNB has additional security measures designed to protect your information.

  • As a condition of employment, all employees of LNB are required to sign Confidentiality Agreements and receive training in the handling of customer information.
  • Our Security team performs daily monitoring of our computer systems, targeting security violations and intrusion detection.
  • Our Internal Audit Department performs regular IT audits of the computing environment.
  • LNB is regularly audited by third parties to ensure proper control measures are in placing and working as expected.

While no computer system is 100% secure, we strive to implement technologies that make our information systems as secure as is technologically feasible. You, however, are responsible for implementing security procedures adequate to ensure that only authorized persons or entities have access to your log-in ID and password.

Phishing: What is it and how can you protect yourself?
Phishing is a high-tech scam that uses spam or pop-up messages to deceive you into disclosing your credit card numbers, bank account information, Social Security number, passwords, or other sensitive information.

Lorain National Bank will never ask you for any personal information in an e-mail. We never include confidential personal or account information in any e-mail we send to you. To guard your personal information, we maintain physical, electronic, and procedural safeguards that comply with federal guidelines.

According to the Federal Trade Commission (FTC), phishers send an email or pop-up message that claims to be from a business or organization that you deal with - for example, your Internet service provider (ISP), bank, online payment service, or even a government agency. The message usually says that you need to "update" or "validate" your account information. It might threaten some dire consequence if you don't respond. The message directs you to a Web site that looks just like a legitimate organization's site, but it isn't. The purpose of the bogus site? To trick you into divulging your personal information so the operators can steal your identity and run up bills or commit crimes in your name.

Lorain National Bank systems have not been compromised as a result of these scams. However it is important to be aware of these bogus emails and to guard your personal and financial information. Maintaining the security of your account and personal information is extremely important to us. Besides building safeguards into our web site, we keep you informed of security concerns that could affect you.

For more details about protecting your financial identity, see this brochure from the federal bank, thrift and credit union regulatory agencies.

If you receive any email - from Lorain National Bank or from anyone else - requesting personal or account information, please treat it as fraudulent and forward it to us at emailservices@4lnb.com.

Identity Theft
Identity Theft occurs when someone uses your personal information (non-public data that might include Social Security number, account number or other identifying information) without your permission to commit fraud, other financial crimes or theft of funds.

Identify Theft is a serious crime and can have a serious impact on the good name and credit record of a victim. Sometimes it can take months or years to clean up the results of such a crime and restore an individual's personal and financial life. Therefore it is suggested that everyone monitor their financial records on a regular basis and take advantage of the opportunity to annually request free copies of their credit bureau reports from the three national credit reporting agencies. You can access the Federal Trade Commission (FTC) website for information about free annual credit reports from the three national credit reporting agencies using this link.

If you are a victim of Identity Theft, take action immediately and use the link below to go directly to the Federal Trade Commission (FTC) website for Identity Theft. You will find step-by-step instructions on what to do and important actions that you can take to recover from an Identity Theft situation.

This link goes directly to the Identity Theft Affidavit form that can be used by Lorain National customers and for other financial institutions. Follow the instructions with the affidavit. To contact Lorain National directly about an Identity Theft situation related to a Lorain National account, call 1-800-860-1007 or 440-989-3348. You will be asked to complete the ID Theft Affidavit and send it to Lorain National.

 

FDIC
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