TABLE OF CONTENTS. Sabric Card Fraud Booklet Debit Card Fraud. How Does RSA Compare Internationally? Fraud Types

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2 TABLE OF CONTENTS Summary Sabric Card Fraud Booklet Qualification of Information... 4 National Overview of Card Fraud ( )... 5 Credit Card Fraud... Where Does the Fraudulent Expenditure Occur?... Credit Card Fraud Loss in South Africa... Geographical Distribution... Debit Card Fraud Where Does the Fraudulent Expenditure Occur?... Geographical Distribution How Does RSA Compare Internationally? Fraud Types Card Not Present Card (CNP) Fraud... What is Card Not Present Card (CNP) Fraud?... Counterfeit Credit Card Fraud... What is Counterfeit Credit Card Fraud?... Card Skimming... What is Card Skimming... Card Skimming with Handheld Devices... What does a Handheld Skimming Device Look Like?... Card Skimming with ATM Mounted Devices... What does an ATM-Mounted Skimming Device look like?... Lost and/or Stolen Card Fraud... What is Lost and/or Stolen Card Fraud?... False Application Card Fraud... What is False Application Card Fraud?... Account Takeover Card Fraud... What is Account Takeover Card Fraud? Not Received Issued (NRI) Card Fraud What is Not Received Issued (NRI) Card Fraud?... Important Tips to Avoid Becoming a Victim of Card Fraud Industry Measures to Prevent Card Fraud Protection of Client Data... Improvement of Internal Systems and Processes... Sharing of Information and Combating of Card Crime... Crime Awareness

3 SUMMARY The banking industry s gross fraud losses due to South African (SA) issued credit card fraud increased by 23%, from R366.8m in 2013 to R453.9m in A drastic increase (1143%, from R6.2m to R78.3m) in False Application fraud is a major contributor to the overall increase in credit card fraud during Card Not Present (CNP) card fraud contributed 42% of the total credit card gross fraud losses in 2014 and the losses increased by 7% from R178.7m in 2013 to R191.7m in % of all CNP credit card losses occurred outside of South Africa. Counterfeit credit card fraud losses decreased by 14% in 2014 and contributed to 27% of the overall credit card gross fraud loss. 60% of all Counterfeit credit card losses occurred outside of South Africa. Whilst Lost and/or Stolen credit card fraud increased by 64% from R31.7m in 2013 to R52.2m in 2014, the fraud losses account for 11% of the total gross fraud losses on credit cards. Gauteng, the Western Cape and KwaZulu-Natal accounted for 88% of the credit card fraud losses in South Africa. Debit card gross fraud losses amounted to R123.5m in 2014 compared to the R117.7m in 2013, recording a 5% increase. The majority of debit card fraud losses relate to Counterfeit fraud (65%), followed by Lost and/or Stolen fraud losses (33%). The majority of the fraudulent debit card transactions for 2014 occurred in Gauteng (40%) followed by KwaZulu-Natal (15%), Eastern and Western Cape, (both 9%) PAGE 3 Card Fraud 2014

4 QUALIFICATION OF INFORMATION Credit and debit card fraud information utilised in this report was provided by Barclays Africa Group, First National Bank, Standard Bank of South Africa, Nedbank, Investec, Virgin, Amex, Diners Club, Capitec Bank, Mercantile Bank, Bidvest, UBank, Bank of Athens, Albaraka Bank, Postbank and African Bank. Credit card fraud figures include cheque card fraud. Statistics used in the report are from 01 January to September For the comparative analysis the abovementioned period will be compared to similar periods since 2006, with a focus on 2013 to Information set used: All credit and debit card fraud losses as reported to SABRIC by 20 October All calculations are based on the date of the fraudulent transaction. All fraud losses mentioned in this booklet refer to gross fraud losses and do not relate to the actual losses suffered by the banking industry. Figures pertaining to losses due to fraud have been rounded off to the nearest R1 million, unless otherwise stated. Due to rounding off, the sum of the separate items may differ from the totals shown. PAGE 4 Card Fraud 2014

5 NATIONAL OVERVIEW OF CARD FRAUD ( ) CREDIT CARD FRAUD The gross fraud losses due to fraud perpetrated with SA issued credit cards increased by 23%, from R366.8m in 2013 to R453.9m in The graph below depicts the industry s total fraud losses on SA issued credit cards, irrespective of the geographical location of the fraudulent transaction. Card fraud losses on SA issued credit cards (all countries) (Jan - Sept 2006 to 2014) 2014 R R R R R R R R R178.3 R0 R100 R200 R300 R400 R500 MILLIONS PAGE 5 Card Fraud 2014

6 Percentage distribution per fraud type on SA issued credit cards during 2014 Lost and/or Stolen 11.4% NRI 1.3% CNP 42.4% False Application 17.4% Account Takeover 0.1% Counterfeit 27.4% SA issued credit card fraud per fraud type, all countries FRAUD TYPE Lost and/or Stolen R66.2m R117.5m R117.5m R65.7m R25.8m R18.3m R15.6m R31.7m R52.2m NRI (Not Received Issued) R4.2m R5.1m R10.4m R8.8m R1.7m R1.3m <R1m <R1m R3.8m False Application Fraud R29.8m R18.2m R11.1m R5.4m R1.8m R4m R13.3m R6.2m R78.3m Counterfeit R53.5m R94.7m R157.1m R145.7m R92.7m R207.7m R113.9m R144.5m R123.1m Account Takeover <R1m <R1m R1.6m <R1m <R1m <R1m R1m R2.2m <R1m CNP (Card Not Present) R22.3m R40.7m R65.8m R63.1m R64.2m R133.4m R154.7m R178.7m R191.7m All figures in R millions PAGE 6 Card Fraud 2014

7 WHERE DOES THE FRAUDULENT EXPENDITURE OCCUR? Card fraud losses on SA issued credit cards (Jan - Sept 2006 to 2014) Transactions not in SA Transactions in SA 2014 R222.9 R R220.7 R R135.8 R R123.5 R R72.8 R R78.2 R R95.5 R R65.0 R R48.1 R130.1 R0 R50 R100 R150 R200 R250 R300 MILLIONS PAGE 7 Card Fraud 2014

8 For the year 2014, 49% of all credit card fraud losses occurred outside the borders of South Africa as compared to 60% in Credit card fraud losses on SA issued credit cards used inside South Africa, increased by 58% in 2014 (from R145.9m in 2013 to R231.0m in 2014). A seven percent increase occurred on CNP credit card fraud losses. CNP fraud remains the biggest contributor of fraudulent expenditure on SA issued credit cards (42%) for Of all CNP credit card fraud losses, 64% occured outside South Africa. Counterfeit credit card fraud losses outside South Africa decreased by 16% (R89.3m to R74.6m). Whilst 40% of all counterfeit transactions occurred within South Africa, these losses decreased by 12%, from R55.1m to R48.4m in Fraudulent spend with Lost and/or Stolen credit cards increased by 64% with 79% of the transactions occurring in South Africa. Counterfeit SA issued credit cards are frequently being used by criminals in neighbouring countries such as Zambia, Zimbabwe, Botswana, Namibia and Mozambique and these transactions are mostly related to fraudulent cash withdrawals at ATMs. The five countries with the highest recorded financial losses due to CNP and Counterfeit fraud on SA issued credit cards during 2014 were: CNP Counterfeit United States United Kingdom France China Australia United States India Mexico Brazil Canada PAGE 8 Card Fraud 2014

9 CREDIT CARD FRAUD LOSS IN SOUTH AFRICA Credit card fraud losses on SA issued cards used in South Africa, increased by 58% from R145.9m in 2013 to in R231.0m in Lost and/or Stolen credit card fraud losses increased by 60% in 2014 and accounts for 18% of the total credit card fraud losses in South Africa. Criminals have reverted to modus operandi such as shoulder surfing and card jamming or swopping due to changes in business processes linked to Chip & PIN cards. Inevitably this has led to a visible increase in Lost and/or Stolen card fraud, similar to the card fraud trends noted in the UK. Lost and/or Stolen card fraud is currently at the highest level in five years. Transactions associated with False Applications recorded the biggest increase (1516%), increasing from R4.2m (2013) to R68.8m (2014). Out of all False Application transactions, 88% occurred in South Africa. Criminals abuse online application channels and use false details to open multiple credit card accounts and in doing so, receive a legitimate card and PIN. Counterfeit credit card fraud losses inside South Africa, decreased by 12% (from R55.1m in 2013 to R48.4m in 2014). CNP fraud committed within South Africa increased by 21% from R56.7m in 2013 to R68.9m in Credit card fraud in South Africa split by fraud type (year-on-year, Jan - Sept 2006 to 2014) Account Takeover Not Received Issued Card Not Present Lost/Stolen Counterfeit False Applications R160 R140 R120 R100 MILLIONS R80 R60 R40 R20 R PAGE 9 Card Fraud 2014

10 GEOGRAPHICAL DISTRIBUTION Gauteng, Western Cape and KwaZulu-Natal accounted for 88% of all credit card fraud losses in South Africa. These provinces also recorded the highest number of skimming devices retrieved in the field. The remaining provinces accounted for 12% of the fraud losses. With the exception of the North West Province, all eight provinces recorded an increase. Gauteng accounts for 55% of the credit card fraud losses, followed by the Western Cape with 22% and KwaZulu-Natal with 9%. The provinces with the highest increase in credit card fraud losses were Gauteng with 49% (R63.5m to R94.7m) and the Western Cape with 47% (R26.2m to R38.6m). Losses in the Northern Cape increased with 168% (R to R ), however the losses are miniscule when compared to the rest of the provinces. Provincial Geographical Distribution PROVINCE Eastern Cape R1.9m R4.8m R4.9m R2.1m R1.3m R1.9m R3.6m R4.4m R5.2m Free State R1.6m R3.3m R4.3m R2.3m R1.1m R1.1m R1.3m R1.7m R2.0m Gauteng R67.8m R91.9m R117.5m R85.9m R49.4m R73.6m R73.9m R63.5m R94.7m KwaZulu-Natal R16.3m R34.3m R41.4m R27.9m R16.7m R23.7m R10.9m R13.5m R15.9m Limpopo R1.5m R2.7m R3.5m R2.1m R2.2m R2.4m R2.7m R3.3m R4.8m Mpumalanga R2.7m R6.1m R7.2m R4.9m R1.9m R1.4m R2.3m R3.4m R4.2m North West R1.4m R4.3m R5.2m R2.6m R1.4m R1.8m R2.1m R3.3m R3.2m Northern Cape <R1m <R1m <R1m <R1m <R1m <R1m <R1m <R1m <R1m Western Cape R11.3m R26.4m R29m R27m R12.8m R29.3m R39.1m R26.2m R38.6m All figures in R millions PAGE 10 Card Fraud 2014

11 DEBIT CARD FRAUD An increase of five percent in debit card fraud gross losses was recorded, from R117.7m in 2013 to R123.5m in The majority of fraud on debit cards are related to Counterfeit, Lost and/or Stolen and CNP. The other fraud types are so minuscule (0.2% of the total debit card fraud) that it will not be discussed in detail in this document. Counterfeit debit card fraud contributed 65% of overall debit card losses. Cash withdrawals at ATMs contributed to a large percentage (85%) of all debit card fraud transactions. Criminals need both the magnetic stripe information and the PIN of a debit card to succesfully transact. The majority of Counterfeit debit card fraud can thus be directly linked to card skimming. Card fraud losses on SA issued debit cards (all countries) (Jan - Sept 2011 to 2014) 2014 R R R R219.9 R0 R50 R100 R150 R200 R250 MILLIONS A 25% decrease on Counterfeit debit card fraud losses was recorded from R109.8m in 2013 to R82.2m in In the same time period Lost and/or Stolen debit card fraud increased by 420% which is similar to the trend seen in credit card fraud (from R31.7m to R52.2m). PAGE 11 Card Fraud 2014

12 WHERE DOES THE FRAUDULENT EXPENDITURE OCCUR? The majority of the fraudulent transactions on SA issued debit cards occured within South Africa. When used outside South Africa, neighbouring African countries are targeted and the bulk of these transactions relates to cash withdrawals at ATMs. The five African countries with the highest recorded financial losses due to Counterfeit fraud on SA issued debit cards during 2014 were: Lesotho Namibia Zimbabwe Mozambique Botswana PAGE 12 Card Fraud 2014

13 GEOGRAPHICAL DISTRIBUTION The distribution of debit card fraud within Gauteng, KwaZulu-Natal, Western and Eastern Cape is similar to that of credit card fraud. In 2014 the majority of the fraudulent transactions occurred in Gauteng (41%) followed by KwaZulu- Natal (15%), Western Cape (10%) and Eastern Cape (9%). The other provinces collectively account for 26% of the fraud losses on debit cards. A decrease was seen in the losses associated with fraudulent transactions, in all the provinces except the Northern Cape where an increase from 0.4% to 1.2% was seen. Percentage of debit card fraud losses per province (Jan - Sept 2011 to 2014) PROVINCE Gauteng 42% 43% 42% 41% KwaZulu-Natal 18% 18% 16% 15% Eastern Cape 17% 9% 8% 9% Western Cape 7% 9% 8% 10% Mpumalanga 4% 6% 6% 7% Free State 3% 3% 4% 5% North West 3% 5% 5% 6% Limpopo 2% 3% 6% 7% Northern Cape % 1% PAGE 13 Card Fraud 2014

14 HOW DOES RSA COMPARE INTERNATIONALLY? Card fraud losses on UK issued cards (Jan - June 2007 to 2014) R0 R50 R100 R150 R200 R250 R300 R350 MILLIONS According to Financial Fraud Action UK, fraud losses on UK issued cards increased by 14% from January to June 2014, compared to the same period in These figures include the losses for debit and credit card fraud. CNP fraud accounted for 70% of the total losses and increased by 22% compared to Lost and/or Stolen card fraud increased by three percent and was the second highest loss category, with 12% of all losses associated to Lost and/or Stolen cards. Counterfeit fraud accounts for 10% of the total losses and increased by 3% compared to the same period in It is noteworthy to mention that losses associated to cards issued but not received (NRI) increased by 10%. South Africa mirrors the UK trend with increases in CNP, NRI and Lost and/or Stolen card fraud. However, in spite of the current decrease in Counterfeit credit card fraud it remains one of the major contributors to card fraud in South Africa. Source: ( PAGE 14 Card Fraud 2014

15 FRAUD TYPES (RSA ISSUED CREDIT AND DEBIT CARDS, USED WITHIN AND OUTSIDE SOUTH AFRICA) CARD NOT PRESENT CARD FRAUD (CNP) CNP fraud losses increased by 7% from R178.7m in 2013 to R191.7m in 2014 and contributed 42% of the total credit card fraud losses in The increase in CNP fraud seen over the last few years is a clear indication that South African credit card fraud trends are following similar trends as in other EMV compliant countries such as the UK. Banks are starting to allow CNP transactions on their debit cards, and the fraud on these cards is expected to increase. During 2014 the losses associated with CNP fraud on debit cards amounted to R1.2m, and contributed 1.8% of the total loss on debit cards. Card Not Present credit card fraud (Jan - Sept 2006 to 2014) 2014 R R R R R64.2 R63.1 R R40.7 R22.3 R0 R50 R100 R150 R200 MILLIONS PAGE 15 Card Fraud 2014

16 PAGE 16 Card Fraud 2014

17 COUNTERFEIT CARD FRAUD Counterfeit card fraud losses on SA issued credit cards (all countries) (Jan - Sept 2006 to 2014) 2014 R R R R R R R R R53.5 R0 R50 R100 R150 R200 R250 MILLIONS Counterfeit card fraud decreased by 14% in 2014 and contributed 27% of the overall credit card gross fraud losses. 60% of all Counterfeit credit card losses occurred outside South Africa and decreased by 16% (from R89.3m in 2013 to R74.6m in 2014). Counterfeit credit card losses in South Africa decreased from R55.1m to R48.4m (-12%) during PAGE 17 Card Fraud 2014

18 Counterfeit debit card fraud decreased by 25% in 2014 and contributes 65% of the overall debit card gross fraud losses. 60% of all Counterfeit debit card losses occurred inside South Africa with the remaining 40% occurring outside South Africa. Counterfeit card fraud losses on SA issued debit cards (all countries) (Jan - Sept 2011 to 2014) 2014 R R R R213.3 R0 R50 R100 R150 R200 R250 MILLIONS PAGE 18 Card Fraud 2014

19 CARD SKIMMING CARD SKIMMING WITH HANDHELD DEVICES Handheld skimming still remains a threat and is one of the major contributors to Counterfeit card fraud. From 2005 to September 2014 a total of handheld skimming devices were recovered by either SAPS or bank investigators, with 74 of these seized between January to September Retrieved handheld skimming devices (2005 to 2014) PAGE 19 Card Fraud 2014

20 During 2014 the majority of handheld skimming devices were recovered in Gauteng (38), KwaZulu-Natal (13) and the Western Cape (9). There was an increase in the number of devices recovered in KwaZulu-Natal (13 compared to the 11 in 2013). Northern Cape 1 North West 0 Western Cape 9 Eastern Cape 6 Free State 0 Mpumalanga 5 Limpopo 2 Gauteng 38 KwaZulu-Natal 13 Cards can be skimmed at ATMs or at points of sale and therefore bank clients are urged not to accept assistance from anybody at ATMs and not to let their cards out of sight when transacting. PAGE 20 Card Fraud 2014

21 WHAT DOES A HANDHELD SKIMMING DEVICE LOOK LIKE? The images below are examples of handheld skimming devices. Although there are many models available, handheld skimming devices are usually small black objects that fit into the palm of your hand and easily hidden in a pocket. The public is urged to report any individuals importing or using these devices to steal card data to the police. PAGE 21 Card Fraud 2014

22 CARD SKIMMING WITH ATM MOUNTED DEVICES Between 2007 to September 2014, 237 ATM mounted skimming devices were recovered by the banking industry and law enforcement. During January to September 2014, a total of 49 devices were recovered. Retrieved ATM-mounted skimming devices (2007 to 2014) ATM mounted skimming devices were retrieved in four provinces. Gauteng had the highest number retrieved (32), followed by the Western Cape (13), Mpumalanga (3) and Free State (1). ATM clients are encouraged to be on the lookout for foreign objects attached to ATMs and are urged to always conceal their PIN when transacting. PAGE 22 Card Fraud 2014

23 WHAT DOES AN ATM-MOUNTED SKIMMING DEVICE LOOK LIKE? This device is difficult to recognise as it is manufactured to match the look and feel of the ATM. Always inspect the ATM machine and cover the PIN pad with your free hand when entering your PIN. PAGE 23 Card Fraud 2014

24 LOST AND/OR STOLEN CARD FRAUD Lost and/or Stolen credit card fraud (Jan - Sept 2006 to 2014) 2014 R R31.7 R15.6 R18.3 R R R R R66.2 R0 R20 R40 R60 R80 R100 R120 MILLIONS Lost and/or Stolen credit card fraud increased by 64% from R31.7m in 2013 to R52.2m in 2014 and the fraud losses accounted for 11% of the total gross fraud losses on credit cards. The majority (79%) of the fraud losses occurred inside South Africa. Lost and/or Stolen debit card fraud increased by 420% from R7.9m in 2013 to R41.2m in 2014 and the fraud losses accounted for 33% of the total gross fraud losses on credit cards. Almost all (99%) of the fraud losses occurred inside South Africa. PAGE 24 Card Fraud 2014

25 Lost and/or Stolen debit card fraud (Jan - Sept 2011 to 2014) 2014 R R R R7.1 R0 R5 R10 R15 R20 R25 R30 R35 R40 R45 MILLIONS Changes in business processes to accommodate Chip & PIN cards, have resulted in criminals reverting to older modus operandi such as shoulder surfing and card swopping. The increase in Lost and/or Stolen card fraud in South Africa is similar to the card fraud trends seen in the UK. It is crucial for bank clients to not be distracted when transacting at ATMs and under no circumstances must assistance be accepted from anybody whilst using an ATM. PAGE 25 Card Fraud 2014

26 FALSE APPLICATION CREDIT CARD FRAUD False Application credit card fraud (Jan - Sept 2006 to 2014) 2014 R R R R R R R R R MILLIONS Losses related to False Applications on credit card accounts, accounted for 17% of the overall credit card fraud losses. During 2014, fraud losses associated with transactions following a False Application increased with 1143%, from R6.2m to R78.3m. Criminals will apply for credit card accounts online using false information and supplying fraudulent supporting documentation. The fraudulent documentation is of such good quality that bank processes are not always able to detect it. Once the account is approved and the card issued, the criminal will then use the full credit facility available on the card account. Only once in arrears, will the bank realise that the account was opened with fraudulent details. Whilst the threat is relatively new, the banking industry has already implemented strategies for fraud detection and prevention to mitigate the risk associated with False Application fraud. PAGE 26 Card Fraud 2014

27 ACCOUNT TAKEOVER CREDIT CARD FRAUD Account Takeover credit card fraud (Jan - Sept 2006 to 2014) 2014 R R R R0, R0, R0, R R R MILLIONS Credit card fraud losses associated with Account Takeover fraud decreased by 75% (from R2.2m in 2013 to R in 2014). Account Takeover fraud accounted for 0.1% of the overall credit card losses. PAGE 27 Card Fraud 2014

28 NOT RECEIVED ISSUED CREDIT CARD FRAUD (NRI) Not Received Issued credit card fraud (Jan - Sept 2006 to 2014) 2014 R R R R R R R R R MILLIONS PAGE 28 Card Fraud 2014

29 Not Received Issued (NRI) card fraud losses increased by 427%, from R in 2013 to R3.8m in Credit card fraud losses associated with NRI cards accounted for 1% of the overall credit card losses. Although the percentage increase is high, the associated loss is still relatively low. Banks are continuously improving processes in respect of card collections and PIN activation. Customers are urged to respond quickly to calls to collect replacement cards. It is also very important that bank customers alert the bank if replacement cards were not received within a reasonable time. PAGE 29 Card Fraud 2014

30 IMPORTANT TIPS TO AVOID BECOMING A VICTIM OF CARD FRAUD DO S If you think the ATM is faulty, cancel the transaction immediately and report the fault to your bank and transact at another ATM. Be cautious of strangers offering help as they could be trying to distract you in order to get your card or PIN. If you are disturbed or interfered with whilst transacting at the ATM, your card could be skimmed by being removed and replaced back into the ATM without your knowledge. Cancel the transaction and immediately report the incident using your Bank s Stop Card Toll free number which is displayed on the ATM or on the back of your bank card. Choose familiar and well-lit ATMs where you are visible and safe to transact. Know what your ATM looks like so that you are able to identify any foreign objects attached to it. If your card is retained, do not leave the ATM before you have cancelled your card by calling your bank s call centre using your own mobile phone. Shield the hand that is typing your PIN number so that nobody can see your PIN number. Never let the card out of your sight when making payments and if possible insert the card into the Point of Sale device yourself. Always ensure that the card you receive out of the ATM is your own. If you have debit, cheque and credit cards, don t choose the same PIN for all of them so that if you lose one, the others will still be safe. PAGE 30 Card Fraud 2014

31 Keep your transaction slips and check them against your statement to spot any suspicious transactions which must be queried with your bank immediately. Check the rand value of the transaction on the screen before entering your PIN and authorizing the transaction. Note the value must be reflected in Rands. If not, stop the transaction and contact your bank immediately If possible change your PIN as often as possible DON TS Do not ask anyone to assist you at the ATM, not even the security guard or a bank official. Rather go inside the bank for help. Never force your card into the slot as it might have been tampered with. Do not insert your card if the screen layout is not familiar to you and looks like the ATM may have been tampered with. Never write your PIN on your card. Never write your PIN on paper and store it in the same location as your card PAGE 31 Card Fraud 2014

32 INDUSTRY MEASURES TO PREVENT CARD FRAUD PROTECTION OF CLIENT DATA South African banks subscribe to PCI DSS standards as set by MasterCard, Visa, as well as local legislation to protect client information inclusive of card data. Banks also urge clients to become PCI aware as data security is of utmost importance. IMPROVEMENT OF INTERNAL SYSTEMS AND PROCESSES SA banks are continuously investing in new technologies to assist with the detection, prevention and reduction of bank card fraud. Crime trends are followed closely and adjustments to monitoring systems are made to mitigate associated risks. SMS notifications for transactions on card accounts are an effective detection tool and banks encourage customers to utilise this service. SHARING OF INFORMATION AND COMBATING OF CARD CRIME SABRIC provides the industry with an industry view of crime trends, threats and facilitates a collective approach to the combating of card fraud in partnership with the SA Police Service and the National Prosecuting Authority, as well as other stakeholders in the fight against crime. Dedicated police reaction teams were established in provinces where card fraud is most prevalent. This contributed to numerous arrests and successful prosecutions. CRIME AWARENESS SABRIC and the banking industry regularly partner with the media to alert bank clients and merchants to new modus operandi and provide crime prevention tips to card users. PAGE 32 Card Fraud 2014

33 Switchboard: Postal Address: PO Box 3682 Halfway House 1685 Physical Address: Sabric House, Hertford Office Park 90 Bekker Road cnr Allandale Road Midrand