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| Identity Theft | Email Fraud | ATM Safety | PRIVACY POLICYSecurity Policy StatementInformation and information systems are critical and important assets. Without reliable information and information systems, future viability would be in question. Accordingly, management has a fiduciary duty to preserve, increase and account for Michigan Heritage Bank information and information systems. This means that Michigan Heritage Bank management must take appropriate steps to ensure information and information systems are properly protected from a variety of threats such as error, fraud, embezzlement, sabotage, industrial espionage, privacy violation, and natural disaster. Michigan Heritage Bank information must be protected in a manner commensurate with its sensitivity, value, and criticality. Security measures must be employed regardless of the media on which information is stored (paper, overhead transparency, computer bits, etc.), the systems that process it (workstation computers, mainframes -including hubs servers, voice mail systems, etc.), or the methods by which it is moved (electronic mail, face-to-face conversation, fax machines, etc.). Such protection includes restricting access to information based on the need-to-know. Management must devote sufficient time and resources to ensure information is properly protected. Michigan Heritage Bank management must additionally make sure information and information systems are protected in a manner that is at least as secure as other organizations in the same industry handling the same type of information. To achieve this objective, annual reviews of the risks (risk assessment) to information and information systems must be conducted. Similarly, whenever a major security incident indicates that the security of information or information systems is insufficient, management must take remedial action to reduce exposure. Decision-making is also critically dependent on information and information systems. Management must make reasonable efforts to ensure all information is accurate, timely and complete. All employees, consultants, and contractors must be provided with sufficient training and supporting reference materials to allow them to properly protect and otherwise manage information assets. Training materials should communicate that information security is an important part of business and must be viewed like other on-going business functions such as accounting and marketing. The SMC centralizes guidance, direction, and authority for information security activities for the entire organization. The SMC is responsible for establishing and maintaining organization-wide information security policies, standards, guidelines, and procedures. The Board of directors of Michigan Heritage Bank has made Gary Schlinkert the Information Security Officer. Cathy Ballard is the Assistant Information Security Officer. It is their responsibility to ensure that the employees and vendors of Michigan Heritage Bank adhere to the policies, standards, guidelines and procedures regarding Information Security. Reporting Fraud If you suspect fraud in connection with your Michigan Heritage Bank accounts, contact Michigan Heritage Bank right away. Lost or stolen ATM / Debit Card If your ATM or Debit card is lost or stolen, please follow these steps:
Email and online fraud If you suspect you have received a fraudulent email, forward it to us immediately at operations@miheritage.com. Please do not use this email address to send general questions about the bank or your accounts. If you have general questions, please contact us. If you are uncomfortable forwarding the email, you may also call Michigan Heritage Bank and report it at (800) 914-3524 X513. Please be sure to write down the title of the email, the sender and names of any attachments before deleting the email. If you are in doubt as to whether or not an email is legitimate, do not respond to it. If the questionable email offers a link asking you to provide personal information on a Web page, do not click on the link, even if it looks genuine. In any cases of uncertainty, please contact Michigan Heritage Bank directly at (800) 914-3524. If you suspect you have provided personal information online in response to a fraudulent email, immediately notify Michigan Heritage Bank at (800) 914-3524 X513. You should also follow these steps:
Identity theft If you suspect you are a victim of identity theft, you should take at least the following steps:
Please contact us immediately at (800) 914-3524 X 536 if:
Protect Your Account At Michigan Heritage Bank, we value the safety and privacy of your personal and financial information. We want to remind our customers to be constantly vigilant about protecting their personal and financial information. Below are some important email and online security tips to keep in mind to guard your account from fraudulent activity:
All of the suggestions, tips, and guidance are for informational purposes only. They are general guidelines provided to assist fraud victims in understanding some of the steps they may take to help protect their personal and financial interests. The suggestions are not all inclusive and should not be considered nor interpreted as legal, accounting, financial or technical advice. You may wish to consult your attorney, accountant or other advisor for specific advice, guidance or recommendations concerning this topic. Identity Theft We want to make sure our customers are aware of the dangers of identity theft. Identity theft occurs when criminals find a way to steal your personal or other identifying information to access your accounts, open new accounts, apply for credit in your name, make purchases, and commit other fraud related crimes. The best defense against identity theft is knowledge. The following tips and information will help you prevent identity theft:
Equifax:
Experian:
TransUnion:
Do not provide personal or financial information to anyone unless you initiated the contact. When you call us, come to a branch or visit us online, we may ask for some information to verify your identity. But we want to assure you that Michigan Heritage Bank does not call you or send you an Email asking you to send us a response containing personal or private information. Protect your Social Security Number. Do not list it on your checks or carry your Social Security Number card unless you need it. Give your Social Security Number only when absolutely necessary as when required by the U.S. Patriot Act. Shred unnecessary financial documents, including old bank statements, invoices, charge receipts, checks, unwanted pre-approved credit offers, and expired charge cards before disposing of them. Choose unique passwords to access your accounts online. Don not use any part of your Social Security number, birth date, middle name, names of spouses, children or pets, consecutive numbers or anything else that a thief could easily discover. Choose passwords that are difficult for others to guess and use a different password for each of your online accounts. Use both letters and numbers. Do not share your IDs or passwords with anyone. Do not send sensitive personal or financial information unless it is encrypted on a secure Web site. Encryption scrambles the information being sent over the Internet so others cannot intercept and capture your information. Look for the padlock or key icon at the bottom of your browser, and make sure the Internet address begins with "https." This signals that your information is secure during transmission. All of the suggestions, tips, and guidance are for informational purposes only. They are general guidelines provided to assist fraud victims in understanding some of the steps they may take to help protect their personal and financial interests. The suggestions are not all inclusive and should not be considered nor interpreted as legal, accounting, financial or technical advice. You may wish to consult your attorney, accountant or other advisor for specific advice, guidance or recommendations concerning this topic. Email & Online Fraud Con artists are now using email to try to steal personal and financial information. In a scam known as "phishing," swindlers claim to be from a reputable company and send out thousands of fake emails in hopes that consumers will respond with their bank account information, credit card numbers, passwords or other sensitive information. These emails can look quite convincing, with company logos and banners copied from actual Web sites. Often, they tell you that their security procedure has changed or that they need to update or validate your information, and then direct you to a look-alike Web site. If you respond, the thieves can use your information to perpetrate identity theft or compromise existing accounts. To avoid becoming a victim of a phishing scam, please review our tips for spotting a fraudulent email. Another type of fraud being committed online involves pop-up windows that appear in front of a legitimate Web site. These fraudulent pop-up windows also attempt to trick you into revealing sensitive personal information. Please be advised that Michigan Heritage Bank does not ask for your personal, financial, or account information via email or pop-up window. If you receive an email or pop-up requesting such information, please do not respond and never click on a link contained in a suspicious email. All of the suggestions, tips, and guidance are for informational purposes only. They are general guidelines provided to assist fraud victims in understanding some of the steps they may take to help protect their personal and financial interests. The suggestions are not all inclusive and should not be considered nor interpreted as legal, accounting, financial or technical advice. You may wish to consult your attorney, accountant or other advisor for specific advice, guidance or recommendations concerning this topic. ATM Safety Use your ATM and Debit card safely. Here are some tips to help protect yourself and your card:
If your ATM or MasterCard debit card is lost or stolen, please follow these steps: Report your card lost or stolen immediately by calling Michigan Heritage Bank at (800) 914-3524 x536. If it is after-hours, leave a message and a MHB employee will return your call the next business day. No matter where you are, report lost or stolen cards to minimize loss and liability. Notify all of the participating merchants with whom you have set up automatic bill payments using your debit card. Once Michigan Heritage Bank issues you a new card, you will need to reestablish automatic bill payments with your new card at the participating merchants. |
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