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• Understanding Identity Theft
• Protecting Your Identity
• If You Are a Victim
• Reference and Contact Information

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At Integra Bank, we strive to provide our customers with informative resources to help protect themselves as well as their assets. That's why we've taken information provided by the Federal Trade Commission (FTC) and other government agencies and organizations to produce this identity theft kit. This kit has been created to help inform and guide you if you believe you may be a victim of identity theft.

Integra Bank will never contact you by email or phone to verify personal information such as passwords, social security numbers, PINs, credit card numbers or other confidential information.

Understanding Identity Theft

How Identity Theft Occurs

Despite your best efforts, identity thieves can utilize a variety of low- and hi-tech methods to access your data and obtain your personal information.

For example:

• They steal wallets and purses containing your identification and credit and bank cards.
• They steal your mail or complete a "change of address form" to divert your mail to another location.
• They rummage through your trash.
• They fraudulently obtain your credit card report.
• They find personal information in your home or your car.
• They obtain personal information you submit on the Internet.
• They scam you through mail and/or email.

How Identity Thieves Use Your Information

Once identity thieves have obtained your personal information, they can perform a variety of activities without your knowledge.

They may:

• Open a new credit card in your name.
• Open a bank account in your name.
• Establish a phone or wireless service in your name.
• File for bankruptcy under your name to avoid paying debts or to avoid eviction.
• Counterfeit checks or debit cards to access your checking account.
• Obtain bank loans in your name.

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Protecting Your Identity

Minimize Your Risk

The best way to fight identity theft is to prevent it from happening in the first place. Although you may not be able to entirely prevent yourself from becoming a victim of identity theft, there are several things you can do to minimize your risk.

• Order a copy of your credit report from each of the three major credit bureaus.
• Don't give out your personal information over the phone, by mail or over the Internet unless you are able to identify who you are dealing with. You could fall victim to a phishing scam.
• Guard your mail and trash from theft.
• Don't put outgoing mail in your mailbox. Take it to the Post Office.
• Don't carry your Social Security card; leave it in a secured place.
• Carry only the identity information and credit and debit cards that you will actually need.
• Cancel any credit cards that you don't use.
• Be wary of promotional scams.
• Update your computer's virus protection regularly.
• Do not download files sent to you by strangers or click on hyperlinks from people you don't know.

To order or view videos on additional tips for protecting yourself from becoming a victim of identity theft, please visit the U.S. Treasury Department and/or the FDIC website.

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If You Are a Victim

1. Call the toll-free fraud number of any one of the three major credit bureaus to place a fraud alert on your credit report. This can help prevent an identity thief from opening additional accounts in your name. As soon as the credit bureau confirms your fraud alert, the other two credit bureaus will automatically be notified to place fraud alerts, and all three credit reports will be sent to you free of charge.
2. Close any accounts that have been tampered with or opened fraudulently.
3. File a report with your local police in the community where the identity theft took place.
4. Complete the ID Theft Affidavit.
5. File a complaint with the FTC.
6. Review all your accounts, including bank accounts.
7. Contact other creditors.
8. Review your investment accounts.
9. Contact your telephone and cellular telephone service providers.
10. Contact your local Postal Inspector.
11. Contact the Social Security Department.
12. Contact your local Department of Motor Vehicles.

Most victims can get accounts closed and debts dismissed by completing the creditor's fraud paperwork or the ID Theft Affidavit and including a copy of your police report. Insist on a letter from the creditor stating that they have closed the disputed accounts and have discharged you of the fraudulent debts.

If the identity thief has tampered with your existing credit accounts, dispute in writing any charges run up by the identity thief on those accounts. Ask the creditor to send you the company's fraud dispute forms. If the company doesn't have special forms, you can use this sample letter.

The following tips can help keep your case organized:

• Follow up in writing with all contacts you've made on the phone or in person. Use certified mail, return receipt requested.
• Keep copies of all correspondence or forms you send.
• Keep a list of anyone you talk to, what you were told, and the date of the conversation. Use Chart Your Course of Action.
• Keep originals of supporting documentation, like police reports and letters to and from creditors; share copies only.
• Set up a filing system for easy access to your paperwork.
• Keep old files even if you think your case is closed. Although most cases once resolved, stay resolved, in some cases, problems can crop up again. Should this happen, you'll be glad you kept your files.

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Reference and Contact Information
Credit Bureaus
Equifax	1-800-525-6285
Experian	1-888-397-3742
TransUnion	1-800-680-7289
TeleCheck	1-800-710-9898
SCAN	1-800-262-7771
Integra Bank Debit Cards	1-800-467-1928
Integra Bank Credit Cards	1-800-558-3424
Federal Trade Commission Identity Theft Hotline	1-877-438-4338
Securities and Exchange Commission (Investments)	1-800-732-0330
Social Security Fraud Hotline	1-800-269-0271
United States Postal Service online	www.usps.com/websites/depart/inspect
To learn more about identity theft, download and print the following guides: "ID THEFT: What's it all about?" Take Charge: Fighting Back Against Identity Theft or visit the FTC's website at www.consumer.gov/idtheft.

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