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February 27, 2004

Dear On- Line Customer:

During the past several months, we have seen an increase in debit card fraud. Increasingly, professional organized and highly sophisticated groups are able to create debit or credit card numbers and then attempt to process small dollar transactions against those card numbers using telephone or internet merchants. Once they determine they have a valid card they can process larger transactions against that card in hopes the card holder will not notice them in a timely manner and or the merchant will ship the goods prior to the transaction being rejected.

All banks and credit card companies attempt to monitor their card activity for suspicious transactions and when appropriate call their customers to verify transactions. While the industry remains proactive in its efforts to identify this activity, it is important that you understand your responsibilities and the potential risk associated with debit and credit cards. Should you identify a suspicious transaction, you have 60 days from the date you receive your statement to question that transaction, complete the necessary dispute forms and have the charge to your account reversed.

Some of the things you can do to protect yourself from being victimized are:

Never write or keep your PIN number with your ATM or Debit Card

Do not leave your receipts behind at the ATM

Review your monthly statement for unusual activity

If your card is lost or stolen report it immediately

Only use secure Internet sites for purchases (Identified with a yellow padlock)

Sign up for On-Line Banking or Telephone Banking services with your bank or card vendor. (Using these services you can monitor your account prior to receiving your statement for suspicious activity, these services are oftentimes free).

Bow Mills Bank and Trust recognizes that these are serious issues and we ask that you take the necessary steps to protect yourself from possible fraud. Please take the time to review your bank account and credit card statements and report any unauthorized transactions immediately. If you notice any suspicious activity, contact your bank or credit card vendor immediately. If you have any specific questions or concerns, regarding fraud or identity theft please feel free to contact Anthony Pucci, Privacy Officer at 603-225-6700 or toll free at 1-877-231-7200.

503 South Street, Bow NH
190 North Main Street, Concord NH
35 Kearsarge Avenue, Contoocook NH
(603) 225.6700 or 1.877.231.7200
Serving the Greater Concord NH area

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