Cross Keys Bank Winter Newsletter - BSJ Bancshares, Inc. & Cross Keys Bank 2013 Annual Report

Dear Geek Girl: By Kristen S. VandeVen Once activation is complete you will log in with your online banking credentials (Username and Password). Mobile Check Deposits couldn’t be easier. Simply endorse the back of the check with • Your signature • Last 4 digits of the account number • Today’s date (mm/dd/yyyy) • Print “Cross Keys Mobile Deposit Only” Take a picture of the front and back of the check. Select the account you wish to deposit the check into, type in the amount and hit the Deposit button. You will have access to your funds within 1 business day. You must hang on to the check for 10 days in case there are any issues and the bank needs to see the original check. Dear Geek Girl, If I have CKB-On-the-Go installed on my phone how will I keep others from accessing my information? You should always protect your phone and devices by putting a passcode or lock on the device. However CKB apps always require a User ID and Password. In the case that you have lost a device or simply wish to remove the CKB app from a device you can log into the traditional Internet Browser based version of Online Banking. Click on the User Services tab then Mobile Enrollment. You will be brought to the Mobile Banking Center. This area will allow you to enroll new devices, disable a device (great if you have misplaced a phone), or Remove this

mobile device (if you have lost a phone or gotten rid of the phone). No need to wait until the bank is open, you can control all of your devices from this area 24/7. How can I protect myself and my bank account from the bad guys out there? We suggest that our customers take a two prong approach to protecting their accounts: Update and Monitor. Update antivirus and anti-malware programs on your computer and devices. Make sure that all of the software patches and updates have been downloaded and installed. Don’t assume your computer is doing this for you. Monitor your accounts by utilizing Online BankingandMobileBanking toreviewyour account activity often. Cross Keys Bank also utilizes a fraud detection system tomonitor debit card transactions called Falcon Fraud Watch.You may receive a phone call from a toll free number. Falcon Fraud Watch will identify themselves as Cross Keys Bank and ask you to verify transactions made on your Cross Keys Bank Debit Card. You may receive a voicemail and a letter in the mail. If you do not answer calls from Falcon FraudWatch your debit cardmay be temporarily blocked until the transactions can be verified.

In our technology-driven world, it is important to keep pace and embrace the inevitable changes. Even the most high- tech person can become overwhelmed by the rapid evolution of technology. If you’ve got a troublesome tech question you want answered, please send a note to deargeekgirl@ckbonline.com . Dear Geek Girl, I see the advertisements for Mobile Check Deposits. How does this work and is it safe? OurMobile Banking canonly be accessedby first enrolling for Online Banking though a traditional Internet Based browser. You must then “register” your smart phone within the Mobile Enrollment phase to receive a onetime activation code. This is a necessary security step to match the owner of the phone with their Online Banking.

Cross Keys Bank takes your security very seriously. If you have a question or concern about something call or email or eBanking Department, we will be happy to answer your questions 318-766-3246 or postmaster@ckbonline.com eBanking Department Responds To Target Data Breach

The eBanking department at Cross Keys Bank has coined a new phrase—Cross Keys eBanking,TechnologywithaPersonal Touch. This new mantra was recently put to the test by the Target data breach that affected over 70 million consumers in the United States and almost 300 Cross Keys Bank customers. According to Krebs on Security, a respecteddata securityblog, the Target breach captured data stored on the magnetic strips of the cards that customers swipe at the cash register. The information compromised included customer names, card numbers, expiration dates and the

short verification codes known as CVVs. Target has over 1,800 stores in the United States and is the third largest retailer. How did the eBanking Department at Cross Keys Bank respond to news of the Target data breach? When we found out about the breach we did not initially know that Target was the source. Regardless of the retailer, we wanted to ensure the safety and privacy of our customers so we began by calling each and every customer that may have

been compromised in the breach. At no cost, they received a new card in the mail within 7-10 days.We had a lot of customers who were surprised that they received an actual phone call from an actual person. Other big banks did not even notify their customers before shutting the compromised cards down. Our desire is to interact with our customers and give them the personal attention that is neededwhen something scary like this happens. And that is technology with a personal touch.

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