Debit Card Fraud - We May Be Calling You

To protect your account, we monitor your debit card transactions for potentially fraudulent activity which may include a sudden change in locale (such as when a U.S.-issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

If we suspect fraudulent debit card use, we'll be calling you to validate the legitimacy of your transactions. Your participation in responding to our call is critical to prevent potential risk and avoid restrictions we may place on the use of your card.

• Our automated call will ask you to verify recent transaction activity on your card.
• You'll be able to respond via your touchtone keypad.
• You'll also be provided a toll-free number to call should you have additional questions.

Our goal, quite simply, is to minimize your exposure to risk and the impact of any fraud. To ensure we can continue to reach you whenever potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the meantime, please be diligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transactions.

Protect Yourself

1. Unless absolutely required for a legitimate business purpose, avoid giving out your:
   • Address and ZIP code
   • Phone number
   • Date of birth
   • Social Security number
   • Card or account number
   • Card expiration date

Your PIN is private; NEVER give it out.

2. In stores and at ATMs, always cover your card and PIN, and watch for:
   • Cell phone cameras, mirrors, or other tools used to view cards and PINs
   • People watching your transactions
   • Cashiers taking your card out of sight; take it to the register yourself
   • Any unusual activity at ATMs; if you feel uncomfortable, go to another ATM

3. Online, you should never respond to unsolicited emails that:
   • Ask you to verify your card or account number; such emails are not sent by legitimate businesses
   • Link to websites; such sites can look legitimate but may collect data or put spyware on your computer
   •  

E-Mail Security Reminders

Although e-mail may be a convenient way to communicate, it is not the safest.

Do not open email attachments that are of unknown origin to you, as this is often the source of virus and worm infections that can cause serious damage to your computer. Do not include personal or financial information in an e-mail message, as unauthorized individuals can easily intercept this information to commit fraud or identity theft. Do not trust or act upon unsolicited emails that request personal information such as passwords, credit card numbers, ATM PINs, social security numbers, etc.

Protect yourself from a "Phishing" scam.

Phishing is a term coined by Internet hackers who use email lures to "fish" passwords and financial data from the sea of Internet users. Email messages designed to look like they came from a merchant or financial institution are mailed to Internet users. The emails direct the recipient to update or provide information back to the company's web site by instructing the user to click on a URL embedded within the email. The embedded URL links the user to a counterfeit web site designed to look like the company's legitimate web site. Passwords and other personal information are then solicited and collected by the web site and used by the scammer to defraud the user.

Prevent Identity Theft

How can someone steal your identity? Identity theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission to commit fraud or other crimes. Identity theft is a serious crime. People whose identities have been stolen can spend months or years - and their hard-earned money - cleaning up the mess thieves have made of their good name and credit record. In the meantime, victims may lose job opportunities, be refused loans, education, housing or cars, or even get arrested for crimes they didn't commit.

Safeguard your personal and financial information:

• Keep your personal numbers safe and secure. Guard your social security number. Do not carry your SSN card.
• Manage your mailbox. Remove mail promptly and never use your mailbox for outgoing mail.
• Tear up unused credit offers, convenience checks and other documents containing personal information before discarding them.
• Review bank and credit card statements for accuracy.
• Pay attention to your billing cycles. If your bills don't arrive on time, check with your creditors.
• Don't give out personal information to people you do not know, especially over the phone or Internet.
• Commit all passwords and Personal Identification Numbers (PINs) to memory and do not give them to anyone.
• Keep track of credit card, debit card and ATM receipts.