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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 emails 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 genuine.  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'
Avoiding Internet and Email 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 email and the Internet.

Avoid Email Fraud

With a few simple steps, you can help protect your Stock Exchange Bank accounts and personal information from fraudulent activity:

  • 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 current.
  • Keep your computer operating system and Web browser up-to-date.


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.

Avoiding Pop-Ups
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.

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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 browser.
  • 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 billing@stockexchangebank.com. 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., in your Web browser’s address bar instead of a domain name (e.g. stockexchangebank.com).

Anti-virus Software
Viruses downloaded without your knowledge can erase important information from your computer. To reduce the risk of infection:

  • Install anti–virus software and update it regularly with the most current version.
  • Purchase a program that regularly upgrades your virus protection.
  • Scan all files on your computer periodically for viruses.

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 storage devices.

128-Bit Encryption
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 available today.

Protect 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) private - 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 activity.
  • 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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