WARNING!
Internet Pirates are Trying to Steal YOUR Personal Financial Information.
Here's the Good News-YOU have the Power to Stop Them.

Beware of unsolicited "phony" e-mails that appear to originate from FCB Banks. There is a new type of Internet piracy called "phishing." It is pronounced "fishing," and that is exactly what these thieves are doing: "fishing" for your personal financial information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.

In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing attack, these thieves can take out loans or obtain credit cards and even driver's licenses in your name. They can do damage to your financial history and personal reputation that can take years to repair. But, if you understand how phishing works and how to protect yourself, you can help stop this crime.

FCB Bank will NEVER ask for confidential information through regular e-mail. Further, FCB Bank will NEVER ask you for your password or PIN through e-mail, via the telephone or in person. If someone identifies himself or herself as a Bank employee and asks for your password or PIN, take caution. They do not represent the Bank. Do NOT reveal your information to them.

How does it work?
In a typical case, you will receive an e-mail that appears to come from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the e-mail may appear to come from a government agency, including one of the federal financial institution regulatory agencies.

The e-mail will probably warn you of a serious problem that requires your immediate attention. It may use phrases, such as "Immediate attention required," or "Please contact us immediately about your account." The e-mail will then encourage you to click on a button to go to the institution's Web site. In a phishing scam, you could be redirected to a phony Web site that may look exactly like the real thing. Sometimes, in fact, the Web site appears legitimate, complete with a company's brand name and corporate colors. In those cases, a pop-up window will quickly appear for the purpose of harvesting your personal information. In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother's maiden name or your place of birth.

DO NOT provide the requested information or you may find yourself the victim of identity theft.

How to Protect Yourself

1. Never provide your personal information in response to an unsolicited request, whether it is over the phone or over the Internet. E-mails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.
2. If you believe the contact may be legitimate, please contact FCB Bank by calling Customer Service at 1-866-323-4322. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.
3. Never provide your password over the phone or in response to an unsolicited Internet request. FCB Bank would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your savings.
4. Review account statements regularly to ensure all charges are correct. If your account statement is late in arriving, call your financial institution to find out why. If you have online account access through our Online Banking product, you should periodically review activity online to catch suspicious activity.

You Can Fight Identity Theft - Here's How:
Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the Internet if you did not initiate the contact.

Never click on the link provided in an e-mail you believe is fraudulent. It may contain a virus that can contaminate your computer.

Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.

If you believe the contact is legitimate, go to the company's Web site, such as "www.fcbbanks.com", by typing in the site address directly or using a page you have previously book marked, instead of a link provided in the e-mail.

If you fall victim to an attack, act immediately to protect yourself. Alert FCB Bank by contacting Customer Service at 1-866-323-4322. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.

Report suspicious e-mails or calls to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.

What action should be taken if you suspect an e-mail or Web site referencing FCB Bank is not legitimate?

• Contact us at 1-866-323-4322. If possible, send us a copy of the phony e-mail. Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, or by calling 1-877-IDTHEFT.
• If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:

Equifax 800-525-6285 P.O. Box 740250 Atlanta, GA 30374

Experian 888-397-3742 P.O. Box 1017 Allen, TX 75013

TransUnion 800-680-7289 P.O. Box 6790 Fullerton, CA 92634

Learn More About Identity Theft and Phishing

• Visit www.fdic.gov – click on the ‘Consumer Protection’ tab or the ‘News & Events’ tab for specific information.
• View a multimedia presentation published by the FDIC concerning identity theft: click on
  • Don’t be an On-Line Victim: How to Guard Against Internet Thieves and Electronic Scams