BANKPACIFIC
CUSTOMER PRIVACY PROTECTION TIPS
CUSTOMER’S RESPONSIBILITY

At BankPacific, we are committed to protecting the security and confidentiality of your personal information by providing you with a safe and secure transaction environment. Similarly, you must take every precaution to ensure the safety, security, and integrity of your accounts and transactions with our On-Line banking.

YOUR RESPONSIBILITY

You must have an Internet Service Provider and a web browser to utilize Internet Banking through the Internet.

Our MyOnlineBanking is accessible by using browsers that supports Secure Socket Layer (SSL) protocol to protect your message when traveling over the Internet. We require BankPacific customers to use 128 bit encryption, the strongest level of SSL encryption available.

BankPacific is not liable for losses resulting from the use of any browser using less than 128-bit data encryption. If you elect to use a browser that does not use 128-bit encryption, this implies your acceptance of this risk.  You are solely responsible for the maintenance, installation and operation of your computer and for the software used in accessing BankPacific’s MyOnlineBanking.

BankPacific shall not be responsible for any errors, deletions, or failures that occur as a result of any malfunction of your computer or software, nor shall BankPacific be responsible for any computer virus that affects your computer or the software while using MyOnlineBanking.

Here are a few ways we recommend to keep your information safe.

• Never give your MyOnlineBanking ID or password to anyone. BankPacific employees will never ask you for your MyOnlineBanking password.
• When you've completed your online transactions, click Exit to log off and leave MyOnlineBanking.
• Passwords are important. Don't pick a password that can be easily guessed. Change your password periodically. We will require you to change it every six months. Don't write your password in a place where someone could find it. If you forget your MyOnlineBanking ID or password, call us for assistance.
• Install a reputable anti-virus and firewall protection on your computer. This provides additional layers of protection that help to reduce your risk of exposure from viruses that can rob your computer of valuable personal information. Don’t forget to update your antivirus definitions.
• Install any security patches for your operating system and other software installed on your computer and keep these up-to-date.
• Before disposing of your computer, it’s a good idea to remove all traces of your personal data, such as temporary Internet files, your Internet history, cookies, passwords and recently opened documents list. Special wiping software can be downloaded or purchased to help you wipe clean your entire hard drive, ensuring all files are unrecoverable.
• Beware of any windows that ‘pop up’ during an Internet banking session and be very suspicious if it directs you to another website which then requests your customer identification or password.
• Contact the Federal Trade Commission (FTC) using the online complaint form; or call the FTC's Identity Theft Hotline, toll-free: 1-877-ID-THEFT (438-4338); TTY: 1-866-653-4261; or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania Avenue, NW, Washington, DC 20580.  Be sure to call the Hotline to update your complaint if you have any additional information or problems.

Ensure the Internet Banking site is genuine

• Always logon and logout of MyOnlineBanking correctly.
• Always logon to MyOnlineBanking by typing www.bankpacific.com directly into the address field of your browser, then select the logon button on the home page. Never logon to MyOnlineBanking by clicking a link embedded in an email.
• Make sure that your site is secured, look for the following signs on your web browser:
  • Look for the Padlock
    Use only secure sites when entering personal information or logon details. Look for the closed lock image that appears at the bottom of your Web browser
  • VeriSign Secured Certificate
  • This symbol ensures that the website is encoded using Secure Socket Layer (SSL).
  • Look for the https:
  • Unlike the standard http://, the https:// ensures that the website is secured.

• Check the Server Security Certificate
  Verify the Server Security Certificate before logging on. Double click the closed padlock at the bottom of your screen to view the certificate.

Keep current with types of online fraud
Knowledge is one of your best defenses when it comes to fighting fraud. Be aware of the various forms of online fraud.

Fraudulent email and fake websites
Phishing and spoofing are widespread forms of online fraud. Hoax emails direct recipients to a fake web site that then ask for personal account information that is gathered for fraudulent use.

BankPacific will never send emails to you requesting you to enter your personal information or containing a link to Internet Banking.
We request all customers ignore emails which encourage them to log on to a website and/or enter their Account/Card/Access Number/Password details.
Most hoax emails are poorly worded and may contain grammatical and spelling errors.

What you should look out for:
You should be very cautious of any email that asks you to reply with or enter your personal details no matter how real it looks. Do not reply to emails that request your:

• Card or Access Number
• Security Number
• Internet Password

If you receive an email that appears suspicious, please do not click on any links embedded in the email or reply to the email in any way.
If the email claims to be from BankPacific regarding MyOnlineBanking, let us know by forwarding the email as an attachment to bpsvcctr@bankpacific.com then delete the email from your mailbox. Please do not alter the subject line in any way.

Viruses and Trojans
Viruses and Trojans are harmful programs that are loaded onto your computer without your knowledge. The goal of these programs may be to obtain or damage information, hinder the performance of your computer, or flood you with advertising.
Viruses spread by infecting computers and then replicating. Trojans appear as genuine applications and then embed themselves into a computer to monitor activity and collect information.
Using a firewall and maintaining current virus protection software can help to minimize your chances of getting viruses and inadvertently downloading Trojans.

Spyware and Adware
When clicking on pop-up advertisements – those that “pop up” in a separate browser window – it’s possible you are also downloading “spyware” or “adware”. These types of software programs covertly gather user information and monitor Internet activity, usually for advertising purposes. Be cautious about clicking on Internet banners and pop-ups and downloading free programs. Maintain current security software to detect and remove spyware.
Spyware remover and monitoring are free to download from the internet. Some of the widely used software are Spybot* (www.spybot.com/en/index.html).or Adaware* (www.lavasoft.com)
*Note: BankPacific does not endorse these products and should only be considered a recommendation.  We will not be responsible if any of these software products should cause incompatibly issues with your computer. 

IDENTITY THEFT

What is identity theft?
Identity theft happens when someone steals your identity and impersonates you in order to open credit accounts, rent apartments, even engage in criminal acts. You don't know when it happens. Then one day you are turned down unexpectedly for a loan, you get a call from a collection agency about an account you never opened, or worse yet, a call from the police about a crime you didn't commit. Suddenly you are a victim of identity theft.

How does identity theft happen?
Criminals steal personal information, such as Identity Card numbers, driver's license numbers, credit card numbers, ATM cards, and other key pieces of individuals' identities. They use this stolen information to impersonate their victims, spending as much money as they can in as short a time as possible before moving on to their next victim

Identity thieves use a variety of ways to gain access to this personal information including:

• Stealing your mail
• Looking through your garbage
• Stealing your wallet or purse
• Posing as your employer, bank or utility company needing to "update their records"
• Grabbing information off internet sites that are not secure
• Completing a "change of address'' form

Once the thief has access to this information, they may open a new credit card account in your name providing a "new" billing address. Given that the credit card bills will not go to your address, chances are, you will not be aware of the new account. When the thief does not pay the bills, the credit card company will report this to your credit file. The thief may also open up bank accounts in your name and write bad checks, apply for services in your name or request a "replacement" card to be sent to a new address.

Here are a few tips to prevent Identity Theft.

Debit Cards
Your Debit card is as good as cash. Be careful about how and when you use your debit cards. You need to protect it.
Here are some tips to maximize debit card security and minimize your risk

When You Receive Your Debit Card

• In the event the sealed package containing your new/renewed/replacement debit card is compromised, please contact our CPC department @ (671) 472-6704.
• Upon receiving your new/renewed/replacement debit card, please sign your card immediately, using non-erasable ball-point pen.
• Remember, your debit card is as good as cash. Please ensure the debit card is with you at all material times.
• Do not let anyone else use your debit card. Your debit card should be used exclusively by you.
• Should you not require your new/renewed/replacement debit card, please ensure you mutilate the magnetic stripe and chip by cutting the card and chip into halves before returning it back to the Bank or properly disposing it.

When You Receive Your Personal Identification Number (PIN)

• In the event the sealed PIN envelope is compromised, please contact our CPC Department @ (671) 472-6704
• Memorize your Personal Identification Number (PIN) immediately and destroy the PIN advice.
• You must not write your PIN on the credit card.
• Do not keep your credit card together with the PIN advice or any paper/document stating your PIN.
• Ensure that no one is observing you when you are keying in your PIN while you are using the ATM or any other electronic payment terminals.
• You must not disclose the PIN to any person, including any employee of the Bank.
• You must not allow anyone to have access to your PIN.

During Transaction

• Check to ensure that 2 sales slips are printed for each transaction. The signed sales slip will be kept by the merchant and a copy is given to the cardholder.
• Before signing any sales slips, you must ensure that your name, debit card number and amount transacted are in order/ accurate.
• Ensure your debit card, and not someone else’s, is returned to you after a purchase using your debit card.
• Make sure your debit card is returned to you promptly after a purchase.
• Keep the customer copy of your sales slips for future reference.
• Do not disclose your debit card information to unknown persons or third party over the phone.
• On calls received or made on debit card matters, please ensure that you record the particulars of the caller, date and time of call. You may receive a phone call from BankPacific after making a debit card purchase and this is done to ensure that the transaction is made/authorized by you.

At the ATM

• Make sure no one observes you keying in the PIN.
• Remember to take your credit card from the ATM machine after use.
• Make sure that there are no foreign devices attached to the ATM machine before using the machine.

When You Receive Your Statements

• Check copies of your sales slips against your monthly debit/checking statements·
• If you have any problems or queries, call our CPC Department @ (671) 472-6704 immediately·
• Any disputed transaction must be reported to the Bank within 60 days from your monthly debit/checking statement date.

 If You Lose Your Debit Card

• Thieves take advantage of busy public places. Jackets on chairs and handbags on the floor in restaurants are special targets. Crowded places such as cinemas, shopping malls are also high risk. Even in the privacy of your home or office, a card unattended is at risk of being stolen.
• Losing your card is inconvenient, costs money and time to replace. Once lost, you have to worry about unauthorized usage. Therefore, take the extra care to avoid this from happening to you.
• Report the loss immediately to avoid any unauthorized usage of your credit card. The 24-hour lost/stolen hotline number is 1-800-472-3727.
• Check your debit card(s) periodically to ensure none is/are missing.

ATM Debit Card Activity

IF Fiserv EFT suspects fraudlent ATM or debit card use, you'll receive a call from their Fraud Detection Center to validate the legitimacy of your transaction. Your participation in responding to the call is critical to prevent potential risk and avoid restriction that may be placed on the use of your card.

• Fiserv EFT will initiate an automated call to ask you to verify recent transaction activity on your card.
• You'll be able to respond via your touchtone keypad.
• You'll also be provided a toll-free number to call should you have additional questions.
• You may also call one of our branch offices, or call the 24 hour toll-free number at 1-800-472-3272

Our goal, quite simply, is to minimize your exposure to risk and the implact of any fraud. To ensure we can continue to reach you when potential fraud is detected, please keep us informed of your correct phone number and address at all times.

In the mean time, please be dilligent in monitoring transaction activity on your account and contact us immediately if you identify any fraudulent transaction.

Important Points to Note

• If your debit card/PIN has been lost /stolen/compromised or if your PIN has been disclosed to a third party, please report immediately by calling our 24-hour hotline at 1-800-472-3727
• You are required to update the Bank promptly with your latest home or business address or telephone number.

Students:
The Federal Trade Commission (FTC) reported that in 2005 Americans ages 18 to 24 made more than 69,000 identity theft complaints — more than any other age group. Students are more susceptible to identity theft mainly because their credit records are mostly blank, which means they can be easily used to secure new credit. Identity thieves know this and so are specifically targeting students for identity theft.

Some of the most common ways that college students leave themselves open to identity theft:

• Living on campus in dorms or with roommates.
• Ordering clothes, books, movies, lava lamps, ping pong balls, or any other merchandise over the Internet.
• Throwing away credit card offers without shredding them into a million pieces.
• Being careless with student loan pin numbers and documentation.
• Using cell phones to talk about things that might be useful for an identity thief to hear.

The US Department of Education is aware that identity theft is a serious problem for college students, and it is trying to help. The department has created a website that shows college students how to protect themselves and what to do if they become identity theft victims.  Visit http://www.ed.gov/about/offices/list/oig/misused/idtheft.html for more information.

Cellular Phone Identity Theft
If you have ever lost a cell phone or turned in your old phone without being certain the flash memory was erased, you are at extremely high risk for identity theft. Just as you would never give up your PC without being certain the hard drive was erased, use the same caution before disposing of your cell phone.

If you are getting a new cell phone, changing cell carriers, have lost a cell phone or are getting ready to throw one away, here’s what you need to know to protect yourself:

Always know where your cell phone is located. If other people can’t get their hands on it, they’re going to have a much harder time trying to take advantage of it. Diligence doesn’t sleep.

If you suspect that your cell phone is lost or you think it’s been hacked, contact your provider ASAP! You need to discontinue service immediately before the thief can run up a big bill. Be sure and check your provider’s policy on stolen or hacked phones because they may offer to cover any charges if your phone is stolen, but they are not required to do so.

Use a password to protect your cell phone. You have a password for your computer (or you should), shouldn’t you use the same protection for your phone?

Avoid storing personal information on your phone. Consider very carefully what you store on your phone or Blackberry and why. If it would create a big disaster by falling into someone else’s hands, don’t store it. In the event your phone IS stolen, at least you can prevent the thief from accessing your important information.

Disable Bluetooth. Turn off your Bluetooth connection when you’re not using it to significantly decrease a phreaker’s opportunity to hack your phone with a nearby wireless connection.

Never open files or text messages from strangers. Those attachments could be anything from a keystroke logger to a virus that broadcasts your personal information