Fidelity Federal Savings & Loan Security Procedures

Access ID and Password

Access to your account information via our Internet Banking Service is possible only with your valid Access ID and Password. Always keep your Access ID and Password confidential.

Encryption

Information you provide us or that we provide you via our Internet Banking Service is encrypted. 128-bit encryption is used. E-mail communication is not encrypted in this manner. DO NOT send confidential information or instructions to us via e-mail.

Firewalls

Firewalls are used to protect the integrity of your information and the transactions that you perform. The system is monitored 24 hours a day, 7 days a week.

Customer Responsibilities

Although Fidelity Federal Sv & Ln, along with our service provider, continues to evaluate and use the latest improvement in security technology, you as an Online Banking User have a responsibility for the security of your personal and banking information. Listed below are some recommendations for protecting your information online as well as offline:

Online

• Use the latest version of a recommended Web browser which supports 128 bit-encryption technology. Currently, the most recent versions of Netscape Navigator and Microsoft Internet Explorer are available for download from the Internet and support this technology.
   
• Fidelity Federal Sv & Ln recommends performing all financial transactions at fidfedsl.com before going out on the Web for general surfing.
   
• Always keep your Online Banking Access ID and Password confidential. Be sure no one is watching you enter your information when using the system. Never write your Password down where someone can find it. We will not need your Password to help you so we will never ask you for it.
   
• Change your Password frequently, you will be required to change your password at least once every 12 months and follow our specific parameters to ensure that it cannot be guessed or used by others.
   
• Choose a Password that would be difficult for others to guess.
   
• Verify your last login date. Your login information appears on the upper left-hand side of the My Accounts page. If you feel that the information may not be correct, please call us immediately at 740-363-1284.
   
• Never leave your computer unattended while signed on to Online Banking. Others may approach and gain access to your account information. Always sign off properly. LOG OFF when finished using the Service. Once a session has been ended no transactions can be made until you log on again. If you forget to sign off, the system automatically will sign you off after 10 minutes of inactivity.
   
• Keep your computer free of viruses. Use virus protection software to routinely check for viruses. Never allow a virus to remain on your computer while using the Online Banking System.

Offline (Protecting your Identity and Personal Information)

• Never give out personal information over the phone, through the mail, or over the internet unless you initiate the contact or are positive of who you are dealing with.
   
• Carry only the identification, debit and credit cards you need.
   
• Social Security Numbers or phone numbers should not be put on your checks.
   
• Shred anything that contains personal information (charge receipts, credit applications, statements, expired cards, unused checks from closed accounts) rather than throwing it in the trash.
   
• Secure personal information in your home.
   
• Never leave your mail sitting in the Mailbox. If you’re planning on being away from home for an extended period of time, call the Post Office and have them put your mail on hold.
   
• Check your credit report on a regular basis so you can catch any mistakes or fraud. You can order a copy of your credit from any of the three major credit reporting agencies – Equifax, Experian, TransUnion and My Free Credit Report. (See Useful Links Page on our web site www.fidfedsl.com for links to their sites)
   
• Be aware of missing bills or statements. Contact your Financial Institution or Credit Card Company if either is missing.

If you do find yourself a victim of Identity Theft, take action at once.

1.) Contact the three major credit bureaus and request a “Fraud Alert” be placed in your file as well as a victim’s statement requesting that creditors call you before opening any new accounts in your name. Also request a copy of your credit report from all three agencies to be sure no new accounts have been opened in your name or unauthorized changes have been made to your existing accounts. Credit Bureaus must give you a free copy of your report if there is inaccurate information on your report because of fraud and you request it in writing.

2.) Close any accounts that have been tampered with or opened fraudulently. Notify all creditors and Financial Institutions in writing and by phone about the fraudulent activity.

3.) File a Police report. Provide as much information as you can, such as debt collection letters, credit reports and any other evidence of fraudulent activity. Get a copy of your police report. You may need to provide a copy in case the bank, credit-card company or others need proof of the crime.

4.) Report the crime to the following Federal Law Enforcement Agencies:

Federal Trade Commission (FTC)
Consumer Response Center
600 Pennsylvania Ave. N.W.
Washington DC 20580
Call 1-877-IDTHEFT or www.consumer.gov/idtheft

Federal Bureau of Investigation (FBI)
The FBI investigates cases of Identity Theft and recognizes that identity theft is a component of many crimes. Local offices are listed in your local Telephone Directory.

U.S. Secret Service (USSS)
The U.S. Secret Service investigates financial crimes, including identity theft. They typically investigate cases involving larger dollar amounts, but regardless of your loss, the information may provide evidence of a larger pattern of fraud requiring their involvement. Local offices are listed in your local Telephone Directory.

Internet Scams

Internet scams are increasing in numbers and sophistication. Be alert of transactions or offers that sound to good to be true. If you’re being pressured to buy or sell something quickly, chances are it’s a fraudulent transaction. Be wary of taking third party checks from strangers or taking any large checks from people you don’t know. Even cashier’s checks are being altered and fictitiously created. If someone asks you to cash a check and send them the money or part of the money as part of a sale of goods, you are probably being scammed.

Phishing Schemes: 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 numbers, passwords or other confidential information. The email is disguised to look like a request from a legitimate organization. The message usually says that you need to “update”, “confirm” 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 site, but it isn’t.

The Department of Justice recommends three simple rules when you see emails or Web sites that may be part of a phishing scheme. STOP, LOOK AND CALL!

• STOP: Resist the impulse to respond quickly or click immediately. Phishers want you to respond immediately before carefully considering what information you are being asked to provide.
   
• LOOK: Look carefully at what the email is saying. Does it make sense? Be suspicious if you are being asked to provide several items of personal information --- account numbers, usernames, passwords etc…
   
• CALL: If the email or web site claims to be from a legitimate company or financial institution. CALL or email that company directly. Ask them whether the email or Web Site is really from that company. When contacting these companies, use phone numbers or contact information found on documents that you have received from these companies. DO NOT use contact information found within the email that you are questioning.

Visit the Federal Trade Commission www.ftc.gov/spam to learn ways to avoid email scams and deal with deceptive spam.

The Internet, Security and You

The internet offers many advantages, conveniences and resources. Fidelity Federal Savings and Loan feels that by following some of the precautions and practices mentioned above, our customers can perform their online banking activities in a safe and secure manner.