Metro Bank

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Consumer Awareness At Metro Bank, we have no higher priority than the security and privacy of your financial information while providing exceptional customer service. Metro Bank strives to protect your information and understand the amount of trust we have been given. Metro Bank also wants to help you protect yourself against crimes targeted against consumers such as Identity Theft and E-mail “Phishing”. Metro Bank's Privacy Statement explains how Metro Bank ensures protection of your personal information. The following information is provided to help you protect yourself from becoming a victim and an explanation of methods to help you repair your good name if you become a victim of identity theft. Identity Theft What is Identity Theft? According to the Federal Trade Commission (FTC), Identity Theft occurs when someone uses your personal information such as your name, Social Security number, credit card number or other identifying information, without your permission. Your information is used to commit fraud or other crimes. Identity thieves use various low and high-tech methods to attempt to obtain your information to commit fraud or other illicit purposes. When businesses, financial institutions, or credit granting companies come looking for payment, you are left with the hassle of proving your innocence. Over the last few years, the Internet has proven to be an easier medium that identity thieves use to conduct scams to trick consumers into divulging their personal information. E-mail and Website Fraud (Phishing) E-mail fraud scams are sometimes commonly known as “Phishing” or “Spoofing”. In a phishing or spoofing scheme, a consumer receives an e-mail directing them to a fraudulent website. In most cases, the criminal has designed the website to closely resemble that of a legitimate organization and is difficult to notice as a bogus site. They typically use a business that has wide name recognition and normally is associated with being a trusted business by consumers. The “spoofed” website will typically ask for personal and financial information to be verified or confirmed. The criminals can then use the information for identity theft. Over recent months, e-mail scams have used the names of government agencies, legitimate financial institutions, Internet auction sites, and electronic payment services, and others. Protecting Your Information To help prevent your information from being compromised first, make sure your passwords are all different. Do not use the same password on all of your accounts… and try to use a few different usernames if you can. Next, be sure and choose a password that is not easy to guess. Avoid names (husband, wife, kids, cats, etc.), social security, phone numbers or addresses. Also avoid common words such as password, logon, state name, etc. With the proliferation of information access in today’s climate, it is difficult to be 100% protected as a consumer. However, there are several methods if employed that may help you prevent your information from being compromised significantly. The following best practices are offered for your use: - - - - - - - - - - - - - - - - - - - - - What to do if you become a victim of Identity Theft If you believe that you have been victim of identity theft, the following action items will help minimize your exposure: - - 1. Trans Union— 800-680-7289 2. Experian — 888-397-37423. 3. Equifax—800-525-6285 - - - - - What to do if you believe your Metro Bank account has been compromised Metro Bank does not contact customers to request or verify security information about login id’s, passwords, PIN’s or other security measures in place to protect your account. However, when you contact Metro Bank, our employees may ask for specific information to verify your identity to ensure your privacy and protection. If you feel your Metro Bank account may or has been compromised contact Metro Bank at (205) 884-2265. It is our goal to keep consumers informed and educated in taking the right precautions to avoid becoming a victim of identity theft and account fraud. If you have any questions, feel free to contact Metro Bank at (205) 884-2265. For more information on Identity Theft and other types of account fraud, please visit the following websites: -http://postalinspectors.uspis.gov

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