FRAUD PREVENTION & IDENTITY PROTECTION

How You Can Help Protect Your Privacy
At Southern Bank, we want to help you ensure that your private information remains private, not only at the bank but also in all of your transactions.
Confidential information is that which is not publicly available or easily accessible by the public. This information is not limited to just your social security number, driver’s license number or mother’s maiden name. Other types of confidential data include the names of previous employers, previous living addresses and memberships in organizations. In general, you should think twice before giving out this type of information.
There are a number of things you can do to keep your personal data from falling into the wrong hands:

• Protect your Social Security Number and personal identification numbers (PINs). Never give this information over the phone or the internet.
• Tear up or shred bank receipts, credit card offers, statements and other sensitive documents.
• Watch out for missing incoming mail and don’t mail important information from your home mailbox. Take it to the post office instead.
• Review your credit report annually for incorrect information. You are eligible for one free credit report from each of the three credit bureaus, annually.
• Use only secure sites on the internet. A lock icon in the Security Status bar typically indicates a secure connection.

Businesses should also take steps to ensure key information is secure, not only for their customers, but for their employees as well:

• Divide financial responsibilities among employees and regularly review account activity.
• Keep all personal information, check supplies and deposit slips in a locked file or secure location.
• Do not leave confidential information on cell phones, e-mail, pagers or voice mail.
• Use secure methods of disposing of personal information, such as using shredders.
• Upgrade computer systems regularly to ensure personal and confidential information is secure.
• Instruct staff on security procedures; adopt a written privacy/protection policy.

Protecting Your Electronic Information

• When performing Internet transactions that involve the use of personal information, first read the site’s privacy statements. If no privacy statements are readily available, don’t provide any personal information to the site.
• When making Internet purchases make sure the site is using a secure server to encrypt the transaction and that you are using a secure browser. On a Windows PC, a secure server will be shown by a small lock icon in the bottom of your browser window. The URL of a secure page should begin with “https” instead of “http.”
• Never send your password, credit card number, secret word or PIN in an e-mail. And never send an e-mail reply to an e-mail solicitation for personal information. No reputable business will ask you to send confidential information over the Internet via e-mail.
• Use caution when you receive an e-mail that directs you to a Web page asking for personal information. It may look like it’s legitimate, but the Web site may be designed to steal your personal information. Also, the link may show one Web address but direct you to another. Always type the Web address directly into the address bar rather than clicking a link.
• When on the Internet, if you get an e-mail or a pop-up message that asks for personal or financial information, do not reply or click on the link in the message. Beware of disclosing your credit card numbers, bank account information, Social Security number, passwords or other sensitive information. These pop-up messages or other unsolicited e-mails may be an attempt to capture your personal data. In turn, this information may be used to commit fraud, including identity theft. The Federal Trade Commission offers several precautions you can take to prevent this high-tech scam known as “phishing” at http://www.consumer.ftc.gov/.

 

For additional advice on how to protect yourself from “phishing”, visit The Office of the Comptroller of the Currency – U.S. Department of the Treasury at http://www.occ.gov/consumer/phishing.htm or download this brochure. (Requires Adobe Acrobat Reader.)

• Contact Southern Bank and/or your credit card company immediately if you think you have submitted sensitive information in response to a fraudulent e-mail or Web site.
• When upgrading your personal computer for a new one, be cautious as to what happens to the old systems. Have your hard drive erased completely, even if you are throwing it away or donating it to charity. Use free or purchased software to clean the hard drive so no one can retrieve previous information. Just deleting a file or running the “fdisk” command is not good enough.
• When using a Personal Digital Assistant (PDA), password protect access to the device. Keep as little confidential information on your PDA as possible. In the event it is lost or stolen, you will not be at risk of the information getting into the wrong hands.
• Make sure your computer is password protected, especially a laptop. In many cases the theft of a laptop is not just for the physical device but also for the confidential data inside.
• Think twice before entering confidential information (such as making Internet purchases or storing a resume) on a public personal computer at a public library or copy center. Even after you have deleted a file or shut down the browser application, someone could still follow behind you and gain access to the information on the PC’s hard drive.

Other Resources For Protecting Your Privacy

Federal Trade Commission
The Federal Trade Commission (FTC) has a wealth of information on preventing ID theft. If you’ve been a victim of identity theft, you can file a complaint with the FTC. Call the toll-free number or visit the Web site listed below for more information.

Identity Theft Clearinghouse Federal Trade Commission 600 Pennsylvania Avenue, NW Washington, DC 20580

FTC Identity Theft Hotline: 1-877-IDTHEFT (1-877-438-4338)

Federal government’s central site on identity theft: www.consumer.gov/idtheft

The FTC has a comprehensive booklet on minimizing ID theft entitled “Id Theft: When Bad Things Happen To Your Good Name”. This online document has a wealth of information and links about maintaining privacy and avoiding identity theft. You can also download a PDF version at this same site.

Social Security Services
If you believe someone is using your Social Security number, report it to the Social Security Administration Fraud Hotline at 1-800-269-0271. You can also visit your local Social Security office or the agency’s Web site.

United States Post Office
If someone has taken your identity by stealing your mail, report it to your local postal inspector. Contact your local post office or check the Postal Service Web site.

Department of Motor Vehicles
If your driver’s license is missing, contact your local department of motor vehicles.

Agency	Address	Phone Number
North Carolina DMV	NCDOT Division Of Motor Vehicles 1100 New Bern Avenue Raleigh, NC 27697	NCDMV’s Customer Service Office 919-715-7000