Added Security for Your Fidelity State Bank Debit Card

Starting March 25, 2013, Fidelity State Bank will be implementing Fraud Scoring on all debit card accounts. This program adds a layer of protection from possible account fraud by detecting suspicious debit card transactions quickly and accurately, minimizing your risk and protecting against losses.

How does it work?

Each of your debit card transactions is assigned a score on a risk-based scale: the higher the score, the greater the likelihood of fraud. If the transaction is determined to be high risk, a Fraud Manager will contact you to determine whether the transaction is legitimate. If the Fraud Manager cannot make contact with you, and depending on the severity of the score, a temporary block may be put on your account to prevent fraudulent transactions. Transactions are monitored 24 hours a day, seven days a week.

What do I need to do to take advantage of this program?

Nothing! This program is offered free of cost to our customers.

Why do I need to know about this program?

You will be contacted by an automatic voice dialer on behalf of Fidelity State Bank when Fraud Managers detect a suspicious transaction on your account. This call will attempt to verify whether you actually made the transaction.

The automated system will verify it is talking to you by requesting the last four digits of your social security number. The automated system will never ask for any numbers from your debit card or your full social security number. If the transaction in question is confirmed as fraud, you will be transferred to a live representative for further assistance.

The automated system will place calls during the hours listed below:

• Monday through Friday, 8:00 a.m. — 9:00 p.m. (Central Time Zone)
• Saturday, Sunday, and Holidays, 9:00 a.m. — 9:00 p.m. (Central Time Zone)

Will this affect me when I go on vacation or travel abroad?

Yes. Usually when you go on vacation or travel abroad, it is not part of your "normal" consumer purchasing behavior. For this reason, we strongly recommended that you contact us before going on vacation or traveling abroad. Also, when you travel it is always a good idea to have a second source of payment (such as cash, credit card, or travelers checks) available at the time of purchase.

What can I do to reduce the likelihood of fraud on my accounts?

1. Contact us today to update your contact information, including your mobile phone number. Also contact us whenever you change addresses, phone numbers, or email addresses.
2. Review your account activity as often as possible by phone, online, or through your monthly statements.
3. If you identify any suspicious or unauthorized activity on your account, contact us immediately by phone, writing, or visiting us in person.

Thank you for selecting us for your banking needs. If you have any questions about the program, or if you would like to update your contact information at the Bank, please call us at (620) 227-8586.