Pendleton Community Bank

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and Secure Internet Shopping Experience
Washington, D.C. (November 1, 2010)More than half of consumers are expected to do their holiday shopping over the Internet this year. The Independent Community Bankers of America (ICBA) and Pendleton Community Bank today issued tips to help consumers stay safe and secure when ordering online.

A few simple precautions can make a big difference, said Jim MacPhee, ICBA chairman and CEO of Kalamazoo County State Bank, Kalamazoo, Mich. Community banks are committed to making sure that our customers have the information they need to shop safely and securely anywhere, anytime. Its even more important at this time of year to remind people of the steps they can take to protect their personal information when shopping online and to lessen the likelihood of fraud.

Make sure your computer and browser are secure. Set your firewall, anti-virus and anti-spyware software to automatically update and scan your PC. Check to ensure the firewall protection is turned on and is at the highest setting.
Dont create passwords that include easily accessed personal information, such as mothers maiden name or date of birth. Instead, use something unique that only you know and include uppercase and non-alphanumeric characters.
Don't give personal information over the phone, through the mail or on the Internet unless you know who youre dealing with and preferably only if youve initiated the contact. Never give out Social Security or drivers license numbers or date of birth, particularly over the phone in public places. If you must share personal information, confirm that you are dealing with a legitimate organization.
If you receive an e-mail asking for personal information, do not hit the reply button or click on any link in the e-mail. Instead, go directly to the senders website by typing in its web address.
Look for secure sites with an s in the URL (https://) and a closed-padlock icon on the webpage.
Always double-check the URL to be sure you are shopping with the company you intended to shop with. A simple typo can help identity thieves.
Know who you are dealing with. If youre using a companys site for the first time, consider checking it out with the Better Business Bureau (www.bbb.org) or use a search engine with the name of the company and fraud to determine if other consumers have posted negative reviews.
Never respond to an offer by way of a spam or bulk e-mail. If something sounds too good to be true, it usually is.
Avoid providing unnecessary information, such as annual income, spending habits, hobbies and lifestyle data.
Shop with U.S.-based companies. Domestic state and federal consumer-protection laws apply. Youll be protected and have recourse should something go awry.

Above all, monitor your online card or bank account statements for unauthorized activity and report this immediately to the bank. Credit cards and Visa and MasterCard branded debit cards offer consumer protections in the event of fraud. Keep records of all your purchases in case theres a problem.

The Internet offers incredible convenience, and while most businesses online are legitimate, we urge our customers to monitor their reports and report any suspicious activity, Pendleton Community Bank said. Customers are reimbursed by their bank for fraud, but only if the customer reports it.

About ICBA The Independent Community Bankers of America, the nations voice for community banks, represents nearly 5,000 community banks of all sizes and charter types throughout the United States and is dedicated exclusively to representing the interests of the community banking industry and the communities and customers we serve. For more information, visit www.icba.org.

PENDLETON COMMUNITY BANK ONLINE
Welcome and thanks for visiting Pendleton Community Bank online! Pendleton Community Bank serves Pendleton, Hardy, Grant and Pocahontas counties in WV and Highland and Bath counties in Virginia, and the Harrisonburg area of Rockingham county, Virginia. We hope you will find our site easy to use and helpful in nature. If you ever have any difficulty finding something or would like more information, we encourage you to call one of our nearest offices for assistance.

Enjoy your time exploring our website, and we hope you will check in with us periodically to see what new things weve added. We will strive to keep you informed of all the latest going on in and around Pendleton Community Bank! Visit CEO Message to read the complete letter.

OR BUSINESS TRIP?
Please visit your nearest financial center to verify your contact information prior to traveling out of town on business or vacation. This will help us protect your accounts from fraudulent activity and identity theft.

'PHISHING' SCAMS ON THE RISE
Be aware of 'phishing' scams and NEVER give bank account information or social security numbers over the Internet or through email. Go to the bottom of this page for more information on phishing, identity theft and how to protect yourself.

DON'T BE A VICTIM OF IDENTITY THEFT
Pendleton Community Bank will NEVER ask you to provide, verify or update personal account information via email or an unsecured Internet web site. If you receive a request, DO NOT PROVIDE INFORMATION and contact a Customer Support Representative immediately at (304) 358-2311 or 1-866-722-2651 during business hours.
NOTE: Pendleton Community Bank does provide a secure messaging feature within 24/7 Online Banking which can be used to communicate personal account information in a secure manner.

See the four protection strategies below and visit the FAQs section to learn about common internet scams (Phishing and Spoofing) and get tips on how to protect your identity from being stolen.

Be aware of spoofing and phishing attacks through email.
Make sure your computers are fully patched. It's highly recommended you use Windows XP and turn on the automatic installation of patches feature.
Use a firewall. Windows XP has a built-in firewall or use any of the top-name Internet Security vendors products.
Use improved passwords with mixed numbers and upper and lower case letters. Include special characters (like $ and @) from above the number keys in the password. Example: Mary$Lamb5.

TRANSACTION ACCOUNT GUARANTEE PROGRAM
Pendleton Community Bank is participating in the FDICs Transaction Account Guarantee Program. Under this program, through December 31, 2010, all non-interest bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDICs general deposit insurance rules.

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Stop by one of your Pendleton Community Bank Financial Centers to learn more about the one card that works for you!

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