Recommended Actions For Victims

Your level of awareness is key to protecting yourself, your personal information and your accounts. If you become a victim it is essential that you let us know as quickly as possible.

BANK ACCOUNTS

• You Gave Your Bank Account Information To A Stranger
• You Gave Your Personal Identification Information To A Stranger

CREDIT CARDS

• You Gave Your Credit / Debit Card Information To A Stranger
• Your Credit Card Is Missing Or Fraudulent Charges
• Your Debit Card Is Missing Or Fraudulent Charges

AGENCIES

• The 3 Major Credit Reporting Agencies
• Additional Information & Actions For Victims
• Law Enforcement & Other Agencies

You Gave Your Bank Account Information To A Stranger

• Report the incident as quickly as possible

• Cancel your account and open a new one

You Gave Your Personal Identification Information To A Stranger

• Report the incident as quickly as possible

• Report the theft to the three major credit reporting agencies, Experian, Equifax and TransUnion Corporation and do the following:

• Request that they place a fraud alert and a statement in your file.

• Request a FREE copy of your credit report to check whether any accounts were opened without your consent.

• Request that the agencies remove inquiries and/or fraudulent accounts stemming from the theft.

You Gave Your Credit / Debit Card Information To A Stranger

• Report the incident as quickly as possible

• Bank of Stanly has these toll-free numbers to deal with such emergencies:

• To Report ATM/Debit Cards: - 1-800-523-4175

• To Report Credit Cards: - 1-866-604-0381 or (1-800) 325-3678

• Cancel your account and open a new one.

• Review your billing statements carefully after the loss.

• If your statements show any unauthorized charges, it's best to send a letter to the card issuer via regular mail (keep a copy for yourself) describing each questionable charge.

Your Credit Card Is Missing Or Fraudulent Charges

• Report the incident as quickly as possible

Your maximum liability under federal law for unauthorized use of your credit card is $50 (many financial services companies have different policies so be sure to check with each of them). If the loss involves your credit card number, but not the card itself, you have no liability for unauthorized use; in general, you may only be liable for a very small amount but always check with your individual card company for their exact policy.

Your Debit Card Is Missing Or Fraudulent Charges

• Report the incident as quickly as possible

• Your liability under federal law for unauthorized use of your ATM or debit card depends on how quickly you report the loss.

• You risk unlimited loss if you fail to report an unauthorized transfer within 60 days after your bank statement containing unauthorized use is mailed to you.

The 3 Major Credit Reporting Agencies

Equifax - http://www.Equifax.com

• To report fraud, call: 1-800-525-6285 and write to: P.O. Box 740241, Atlanta, GA 30374-0241

• Hearing impaired call 1-800-255-0056 and ask the operator to call the Auto Disclosure Line at 1-800-685-1111 to request a copy of your report.

If bank accounts were set up without your consent, close them.

If your ATM card was stolen, get a new card, account number and PIN

• Contact your local police department to file a criminal report.

Law Enforcement & Other Agencies

• http://www.consumer.gov/idtheft/ (Public Awareness)

• http://www.PhishingInfo.org (Public Awareness)

• http://www.ifccfbi.gov (FBI - Internet Fraud Complaint Center)

• http://www.ftc.gov/bcp/conline/edcams/spam/consumer.htm (Public Awareness)

• http://www.fdic.gov/consumers/consumer/alerts/index.html (FDIC Alerts)