Fraudulent email activity is increasing. These emails may
appear to be from legitimate companies that you do business
with — such as your bank, an online auction site, or your
Internet service provider. How can you tell the difference?
Fraudulent e-mails typically include attachments, request
personal information, or both. You are often asked to validate
or confirm your personal information by sending a reply,
clicking on a link, or opening an attachment. These messages
can contain viruses, known as “Trojan horse” programs,
designed to record your keystrokes. These emails may also
direct you to a counterfeit Web site that appears to be
The Stock Exchange Bank will never send you an email
asking you to enter your personal account information such
as your account number and password.
Protect Yourself From 'Phishing'
Internet and E-mail Scams (“Phishing”). This brochure is designed to help our customers
recognize and avoid the scam commonly known as “Phishing,”
which involves attempts to improperly gain access to personal
financial information such as account numbers and passwords
using e-mail and the Internet.
Avoid Email Fraud
With a few simple steps, you can help protect your Stock
Exchange Bank accounts and personal information from
- Delete any email without opening it, if you don’t
recognize the sender.
- Be suspicious of any email that asks for personal
information, requests your authentication, or indicates a
problem with your Stock Exchange Bank accounts. If you
receive an email like this, do not reply by email.
Instead, call The Stock Exchange Bank at 1(580) 256-3314
to verify the legitimacy of the email. The Stock Exchange
Bank makes it a policy to never request personal
information from customers via email or pop-up windows.
- Do not open attachments. The Stock Exchange Bank does
not send email attachments except for those requested by
you, the customer through Online Banking.
- Use virus protection software and keep the virus lists
- Keep your computer operating system and Web browser
Pop-up advertisements generally appear in small browser
windows that “pop up” over the window you are currently
viewing. Quite often, these advertisements may be caused by
software on your computer and not by the Web site you are
viewing. Some software such as free music-sharing programs or
screensavers display pop-up advertisements at random intervals
based upon your Web surfing habits. Although some of these
software programs may simply present annoying pop-up
advertisements, others may also contain “Trojan horse”
programs similar to a computer virus.
Pop-up blocking software can be purchased and installed on
your computer, but it may not prevent all pop-up
advertisements. With the following precautions, you can help
protect your Stock Exchange Bank accounts and personal
information from suspicious pop-up advertisements:
- Avoid downloading files from unknown sources. Files
obtained from file-sharing sites are frequently infected
with computer viruses and Trojan horse programs.
- Be suspicious of any software program being offered
for free over the Internet. Research the software
thoroughly before downloading it to your computer. Often
you can find an advertisement-free alternative for little
or no cost elsewhere.
- Keep your computer operating system and Web browser
up-to-date with the latest security patches. Occasionally,
known security flaws are exploited and you can get
illegitimate pop-up advertisements.
- Keep your Web browser security settings on high, or at
least medium. By keeping your security settings on high,
you can minimize the chance for Web sites to download
software onto your computer without your permission. See
your Web browser help files for additional information.
Fraudulent Web sites often look like that of a legitimate
trusted company, but are actually set up in an attempt to
steal your personal information. A common technique to lure
customers to a fraudulent site is through “spam” email.
Avoiding Phony Web Sites
With the following precautions, you can help protect your
Stock Exchange Bank accounts and personal information from
fraudulent Web sites:
- Avoid clicking on links provided in an email. Instead,
open a new browser window and type the Web site’s
address (URL) directly into the address bar of your
- Save or “bookmark” frequently visited and trusted
Web sites to your list of favorites, then access those
sites through your saved links.
- Inspect a URL carefully for the presence of an “@”
symbol, for example firstname.lastname@example.org. This is
a common sign of fraudulent Web sites. Even if the URL
contains the phrase “stockexchangebank, ” it does not
ensure that The Stock Exchange Bank controls the Web site.
- Be very suspicious of Web sites that display an IP
Address, or numerical address (e.g. 126.96.36.199), in your
Web browser’s address bar instead of a domain name (e.g.
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SecureCodeSM or Verified
Viruses downloaded without your knowledge can erase important
information from your computer. To reduce the risk of
- Install anti–virus software and update it regularly
with the most current version.
- Purchase a program that regularly upgrades your virus
- Scan all files on your computer periodically for
Firewalls prevent outsiders from gaining unauthorized access
to your computer. All messages pass through the firewall, and
those that do not meet the specified security criteria are
blocked. Our secure servers are protected by numerous
firewalls, which are constantly monitored to prevent security
breaches. Additionally, we recommend you:
- Install firewall software and update it regularly with
the most current version.
- Remove sensitive information from your hard drive and
place it on removable diskettes and CDs.
The Stock Exchange Bank uses Secure Sockets Layer (SSL) for
secure transmissions. SSL applies encryption between two
communicating applications, such as your PC and our corporate
Internet server. When your data is transmitted over the
Internet, it is encrypted or “scrambled” at the sending
end and then decrypted or “unscrambled” at the receiving
end. We use 128-bit encryption, the highest level generally
Your Identity While At the ATM
- Protect your privacy
- Be aware of others in line behind you. Position yourself
in front of the ATM keyboard to prevent anyone from
observing your PIN.
- Be prepared - Fill out deposit forms and have your card
out and ready to use before approaching the ATM.
- Drive-up ATMs
- Remember to keep your doors locked, your other car
windows up and your car running.
- Treat your ATM card like cash
- Guard your ATM card, checks and credit cards.
- Keep your PIN (Personal Identification Number)
- Do not write your PIN on your card or keep it in your
wallet. Memorize it or keep it at home. Stand directly in
front of an ATM when entering your PIN.
- Save your receipts
- Do not leave your receipt at the ATM. Remember to record
each transaction and match it to your monthly statement.
- Stay alert - Be aware of your surroundings, especially at
night. Park in a well-lighted area and have someone
accompany you. If you notice anything suspicious, use
another ATM or come back later.
- Report suspicious behavior
- If you notice anything unusual, cancel your transaction,
pocket your card and leave immediately. Go to a safe place
and call the police if you suspect dangerous or illegal
- Report a lost or stolen card immediately
- Call The Stock Exchange Bank as soon as you realize your
card is lost or stolen. If you witness a crime, report it
to the police and to the ATM operator. Call 1(800)
622-7747 or 1(800) 847-2911 MasterCard/Visa. Lost or
Stolen Stock Exchange Bank CheckCard call 1(580) 256-3314.
Other Agencies That Can Help
If you suspect you're the victim of identity theft, you should
also contact these agencies:
Federal Trade Commission (FTC)
Identify Theft Hotline: 877-ID-THEFT
Social Security Administration's Fraud Hotline
For additional information about account fraud and identity
theft, you can refer to www.consumer.gov/idtheft
— the U.S. government's central Web site for information
about identity theft.
Credit bureau fraud Contacts
- Equifax: 1-800-685-1111
- Experian: 1-888-397-3742
- TransUnion: 1-800-888-4213
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