The Internet has made it easier for criminals to deceive individuals into revealing confidential information by clicking on links or attachments that will compromise the security of their computers which ultimately have an impact on Internet banking security. These criminals have continued to use increasingly sophisticated, effective, and malicious methods to fraudulently gain unauthorized access to consumers' Internet banking accounts.

First Enterprise Bank is committed to protecting your personal information. Our Internet Banking and bill payment system uses several different methods to protect your information. All information within our Internet Banking and bill payment system uses the Secure Socket Layer (SSL) protocol for transferring data. SSL is a cryptosystem that creates a secure environment for the information being transferred between your browser and First Enterprise Bank. All information transferred through the Internet Banking and bill payment system has a 128-bit encryption which is the highest level of encryption.

First Enterprise Bank is required under Regulation E: Electronic Fund Transfers to provide certain protections to our customers relative to electronic fund transfers (EFT). As applicable to Internet access, this regulation covers transactions initiated through First Enterprise Bank's Internet banking and cash management channels, to either order, instruct, or authorize the financial institution to debit or credit an account. Transactions may include but are not limited to ACH payments, external transfers, and bill payments.

First Enterprise Bank will NEVER request a customer's personal information (debit card number, account number, social security number, personal identification number or password) through email or by phone. If you ever receive an unsolicited phone call or email claiming to be from First Enterprise Bank requesting your personal and confidential information, please DO NOT respond. Contact us immediately by calling (405) 681-0771. As an additional monitoring control, you should frequently review account statements and online account transaction history to ensure all transactions are correct and authorized.

Protecting Yourself Online

First Enterprise Bank has implemented strong preventative and monitoring controls within its Internet banking and bill payment system; however, in order to enhance our customer's internal security we recommend our customers implement their own controls to mitigate risks. Examples of controls you may want to consider implementing to mitigate the risks of account takeover and fraudulent account activities are:

• Maintain up-to-date operating system security patches and have installed updated virus/spyware protection software
• Install a Firewall, either software or hardware
• Implement intrusion detection / prevention software or services
• Safeguard your Internet banking authentication credentials
• For business customers, implement dual control for initiating and approving high risk Cash Management transactions such as ACH origination and wire transfers
• Monitor account activity daily via Internet banking account transaction history.
• Review and monitor your checking account, debit card, and credit card statements for unauthorized transactions
• Refrain from opening unsolicited email and attachments
• Refrain from providing authentication credentials to callers claiming to be representing the financial institution
• Refrain from responding to emails requesting confidential information or re-directing you to a website
• Prior to disposing, shred all confidential information on paper and on electronic media

If you notice any suspicious or unauthorized account activity, experience a breach in security of personal information, suspect your login credentials or computer security have been compromised, or for more information please contact First Enterprise Bank's Client Services at (405) 681‑0771.

Identity Theft

Identity theft involves the unlawful acquisition and use of someone's identifying information, such as:

• Name
• Address
• Date of Birth
• Social Security Number
• Mother's Maiden Name
• Drivers License
• Bank or Credit Card Account Number

Criminals then use the information to repeatedly commit fraud in an attempt to duplicate your identity which may include opening new accounts, purchasing automobiles, applying for loans, credit cards, and social security benefits, renting apartments and establishing services with utility and telephone companies. It can have a negative effect on your credit and create a serious financial hassle for you.

How Do I Protect Myself from Identity Theft?

• Report lost or stolen checks or credit cards immediately
• Never give out any personal information including birth date, SSN or Passwords
• Shred all documents containing personal information, like bank statements, unused checks, deposit slips, credit card statements, pay stubs, medical billings, and invoices
• Don't give any of your personal information to any web sites that do not use encryption or other secure methods to protect it

Online Identity Theft Resources

For more information about identity theft and other tips on how to protect yourself and your information please visit the following websites.

Federal Trade Commission:
http://www.ftc.gov/bcp/edu/microsites/idtheft/ *

FDIC Consumer Alerts:
http://www.fdic.gov/consumers/consumer/alerts/index.html *

United States Department of Justice:
http://www.usdoj.gov/criminal/fraud/websites/idtheft.html *

Equifax
P O Box 105069
Atlanta, GA 30349-5069
www.equifax.com *
To order a report: (800) 685-1111
To report fraud: (800) 525-6285

Experian
P O Box 2002
Allen, TX 75013-0949
www.experian.com *
To order a report: (888) 397-3742
To report fraud: (888) 397-3742

Trans Union
P O Box 1000
Chester, PA 19022
www.transunion.com *
To order a report: (800) 916-8800
To report fraud: (800) 680-7289

Debit Card Protection

Debit card usage has increased dramatically in recent years and fraudulent use of debit cards has also increased.

First Enterprise Bank has some suggestions for you for the care and usage of debit cards.

• NEVER give your debit card information when requested by phone, email, or texting. First Enterprise Bank will NEVER request information from you in this manner. Please contact us if you receive any such request.
• It is a good idea to pay by credit card if your card leaves your sight. An example might be when a waiter takes your card from your table in a restaurant or when ordering online. Debit cards are easier to process illegally vs. credit cards.

Phishing

Fraudsters will commonly use a type of Internet piracy called 'phishing.' In a typical Phishing case, you'll receive an email that appears to be from First Enterprise Bank. In some cases, the email may appear to come from a government agency, including the FDIC. The email will probably warn you of a serious problem that requires your immediate attention. It may use phrases, such as 'Immediate attention required,' or 'Please contact us immediately about your account.' The email will then encourage you to click on a link or button to go to the Bank's web site. In a phishing scam, you could be redirected to a fictitious web site that may look exactly like the Bank's web site. In other situations, it may be the Bank's actual web site. In those cases, a pop-up window will quickly appear for the purpose of harvesting your login authentication credentials. In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother's maiden name or your place of birth. If you provide the requested information, you may find yourself the victim of identity theft which can lead to malicious activity such as Internet banking account takeover.

First Enterprise Bank is required through its banking regulators to conduct regular periodic risk assessments of our electronic banking products and services to identify security threats, and controls in place related to internal and external security, changes in customer functionality offered through electronic banking, and actual incidents of security breaches, ID theft, or fraud experienced internally or within the industry. As a proactive measure, we strongly suggest to our business or commercial customers to also perform a periodic risk assessment and controls evaluation related to security of their Internet banking / cash management environment. Special attention should be directed to high risk transactions which involve access to personal financial information or the movement of funds to other parties such as ACH, wire transfers, and bill payment.