*Newton Federal Bank offers Kasasa Protect, an optional Identity Fraud Protection And Restoration Service that includes identity theft, fraud protection and breach resolution through a separate, third party that can be added to your Kasasa Cash®, Cash Back®, or Basic Checking or Senior Checking account. This add-on service (a) requires your explicit authorization to add these Identity Fraud Protection Services (‘opt-in”), (b) charges a separate monthly fee and (c) can be cancelled at any time.  Kasasa Protect: Identity Fraud Protection And Restoration Services: “Kasasa Protect: Identity Fraud Protection And Restoration Services” collectively includes the following comprehensive services (collectively “Services”):(1) Credit Services: (a) Reports: an annual credit report from Experian; (b) Scores: a monthly credit score from Experian; and (c) Plotter: a visual twelve (12)-month history of the consumer’s monthly credit scores from Experian. (2) Monitoring Services: (a) Public Records:  Monitors name, address & Social Security Number (SSN) across public records; (b) Dark Web Monitoring: monitors across social networks, chat rooms & black market web sites for personally identifiable information including social security numbers; phone numbers; email addresses; bank account and routing numbers; credit and debit cards; and medical identification numbers; (c) Credit Bureau: monitors for and will provide an email if credit inquiries, new lines of credit, derogatory credit, name changes or changes in address are detected in the consumer’s Experian credit file; Credit monitoring occurs only on the credit file associated with the purchasing consumer, and does not monitor, compare or cross reference the credit file associated with the purchasing consumer to any other credit files maintained by the applicable credit bureaus.

3) Resolution Services: (a) Recovery Services: a professional Identity Recovery Specialist will assist the consumer identify, dispute, expunge any fraudulent activities and (b) Lost Wallet Services:  Cancellation & replacement assistance for lost or stolen credit cards and personal documents lost due to loss or identity theft.  Terms & Conditions: Kasasa Protect services are provided by CSID, a part of Experian Information Solutions, Inc. (“Experian”). There are two (2) Kasasa Protect terms and conditions, one governing the program’s Services and the other governing the program’s online portal, which you must agree to: (1) Services:   Terms & conditions can be retrieved at a Newton Federal Bank branch location (2) Portal:  Terms & conditions can be retrieved online by using the following link: https://secure.kasasaprotect.com. (“Portal”)  Fees: Kasasa Protect services are provided for a monthly fee of $9.99, or $7.99 if you are a Kasasa accountholder.  Kasasa Protect is available to a secondary accountholder listed on a joint account for an additional monthly fee of $9.99 or $7.99 if you are a Kasasa accountholder.  Fee(s) will be automatically debited from your account on the third (3^rd) of each month. Fee(s) begin on the third (3^rd) of the month following your enrollment date and will end one (1) day after Newton Federal Bank has processed your cancellation request.  Changes & Modifications:  Kasasa Protect’s Services, fees, and providers are variable and may change with proper notification from our [bank/credit union] or Kasasa, Ltd.  Changes in terms, conditions, services, fees and / or providers, if any, will be posted on the Kasasa Protect site located at https://secure.kasasaprotect.com.  We encourage you to refer to this site on a regular basis for Services information. Requirements: To utilize Kasasa Protect you must: (1) be eighteen (18) years of age or older, (2) be a resident of the United States or any of its territories, and (3) register and maintain your unique email address (joint accountholders must each provide unique email addresses for this service) via the Kasasa Protect online portal. Enrollment: To receive Kasasa Protect’s Services, you must (1) agree to the Kasasa Protect Services’ Terms & Conditions and (2) establish the Services’ monthly billing and (3) provide an accurate email address.  Upon completing these three activities you will be enrolled in the program.  (“Enrollment”).  The date upon which these activities are completed will be your enrollment date (“Enrollment Date”).  Verification:  Within one (1) business day after Enrollment, Kasasa Protect will provide you with an email that includes a link to https://secure.kasasaprotect.com and your subscriber number.  After entering your subscriber number, you must verify your personal information.  You agree to provide accurate, current and complete information about yourself. You agree to not misrepresent your identity.  You also agree to maintain and update this information, including your email address on a regular basis to ensure its accuracy. Failure to provide and maintain accurate and complete information may prohibit your use of the Services or result in errors in information generated. (“Verification”). Portal Alerts & Notifications: Upon verifying your personal information and agreeing to the terms and conditions associated with the Kasasa Protect portal, you will be able to receive alerts and notifications through the portal. Email notifications will be sent to the email address you maintain at https://secure.kasasaprotect.com.  You understand, acknowledge, and agree that in order to receive the full complement of Services, including receiving Services’ alerts and notifications via the Kasasa Protect portal, you must first verify your identity and register and maintain your email address at: https://secure.kasasaprotect.com.