IDENTITY AND FRAUD PROTECTION PLUS

• Credit Report Monitoring ~ 24 hours a day, 365 days per year. You’ll receive automatic alerts of certain negative changes to your credit, based on your Social Security Number. If there are no changes, you’ll receive a quarterly notification letting you know that nothing has changed.
• Identity Theft Insurance ~ up to $5,000 in reimbursement for
  qualified expenses such as legal bills, lost wages, postage, etc.
• Fraud Assistance ~ expert help to clear your good name.
• Payment Card Protection ~ protect your credit, debit & ATM
  cards in case of loss or theft.
• Free with Murray Club Checking or just $3.95 per month with
  any other deposit account.

IDENTITY THEFT FACTS

• Identity Theft is the fastest growing crime in America.
• 26 identity theft cases were opened by Murray Police Dept. in 2006.
• 3 million people per year are victims of debit card fraud.
• 10 million Americans are affected by identity theft annually.

Common Fraud Techniques

• Phishing ~ a person obtains personal information in response to a fraudulent
  email requesting the info.
• Spyware ~ occurs when malicious software invades a computer & collects
  personal information for criminal use. The computer owner is usually unaware
  it’s occurring.
• Skimming ~ occurs when thieves set up a device that captures the magnetic strip information from credit or debit cards.

This list contains 3 of the more common fraud techniques but is certainly not all inclusive.
Protect yourself from all fraud by being proactive. Monitor your accounts closely, check your credit score and sign up for Identity & Fraud Protection Plus.

***Credit Alert® is not a credit counseling service and does not promise to help you obtain a loan or improve your credit record, history or rating. The Credit Alert® service may be modified or improved at any time and without prior notice. Credit Alert® is a registered service mark of Affinion Publishing, LLC. Daily monitoring will notify members of any inquiries, significant changes in credit score, certain derogatory information, or accounts that have been added to the credit reports as reported by one of the three major credit reporting agencies. If no information has been added or changed, then the member will receive a quarterly notification stating that no information has changed within their credit file. Neither the Plan Administrator, the provider of the Credit Alert® service, or its credit information subcontractors, nor Financial Services Association shall have any liability for the accuracy of the information contained in the Credit Alert® reports which you receive, including any liability for damages, direct or indirect, consequenial or incidental.