In this issue: Business Loans Fraud Alert Home Loans

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1 To view this em ail as a web page, go here In this issue: Business Loans Fraud Alert Home Loans Back to School Savings Scholarship Recipients Member Appreciation Day Wyoming Ranks Number 9 for Business Wyoming recently ranked 9th out of all 50 states in CNBC's "America's Top States for Business 2013." This moves Wyoming up a spot from last year's rankings. Among Wyoming's highest ranked were its business friendliness (8th), the cost of doing business (9th), infrastructure (9th), and quality of life (11th). To see the entire ranking list, click here. If you run a business, or if you're looking to start one, WyHy's Commercial Business Development Officer, Judy Thomas, is here to help you with all of your business lending needs. Through Judy and our relationship with Centennial Lending, WyHy is able to offer competitive rates and terms on: Commercial Mortgage Loans Residential and Commercial Construction Loans Commercial Term Loans Commercial Lines of Credit .wyhy.org/ view/view.aspx?s=1&e=59abfc104dec4e8c9193adcbdcff41&v=a20f5a7439fd1289 1/6

2 Equipment Loans Commercial Business Loans Contact Judy today at or to get started! FRAUD ALERT WyHy has been alerted to a new method of check fraud occurring in the Cheyenne area. This new method was used several times over the last several weeks. Typical Check Fraud: A cashier s check, money order, refund, or any other type of check is sent to a victim (normally by mail). The victim is instructed to deposit/cash the check and send a certain percentage of the amount back to the sender via wire transfer, mail, cash card etc. The check turns out to be fraudulent and the victim, not the financial institution (FI), is held accountable for the loss. New Method of Check Fraud: A personal/business check is sent to a victim s FI via US mail. The FI that receives it will then deposit the check. Shortly thereafter the subject will contact the victim and inform them that money has been deposited in their account as a refund, overpayment, sweepstakes, etc. The victim is instructed to send a portion of the money back, similar to typical check fraud. Again, the victim is accountable for this loss. This new method removes the chance that the victim will simply throw the fraudulent check away when they receive it. By mailing the check directly to the FI and having it deposited into the victim s account, there is a greater sense of legitimacy for the victim because they can see the money posting in their account. The subject knows the time frame that it takes for the FI to realize the check is fraudulent after posting it to the victim s account. This gives the subject a small window to make requests to the victim (typically 3-7 days). If you think you have been targeted in this type of check fraud, please contact law enforcement and WyHy immediately. .wyhy.org/ view/view.aspx?s=1&e=59abfc104dec4e8c9193adcbdcff41&v=a20f5a7439fd1289 2/6

3 Make Back-To-School Spending Part of Your Plan The back-to-school season is the second largest consumer spending time of the year, with the average family spending about $700 on back-to-school items--clothes, shoes, supplies and electronics--for school-aged children K-12. To avoid falling into debt at back-to-school time, include those expenses in your yearly spending plan. Make sure you budget enough money for school supplies, clothes, doctor check-ups, athletics, and books. For more help saving for back-to-school spending, call or stop by WyHy. We can help you develop a savings strategy. Copyright 2012 Credit Union National Association Inc. Information subject to change without notice. For use with members of a single credit union. All other rights reserved. .wyhy.org/ view/view.aspx?s=1&e=59abfc104dec4e8c9193adcbdcff41&v=a20f5a7439fd1289 3/6

4 Member Appreciation Day Cheyenne .wyhy.org/ view/view.aspx?s=1&e=59abfc104dec4e8c9193adcbdcff41&v=a20f5a7439fd1289 4/6

5 WYDOT Partnership WyHy recently presented a $2500 check to WYDOT in support of the Wyoming Transportation Department Employees Association (WTDEA) Relief Fund. The funds for the donation were generated through WyHy s affinity credit card program. WyHy offers credit cards featuring the WYDOT and Wyoming Highway Patrol logos and donates $5 toward the Employee Relief Fund for every new credit or debit card issued. Regardless of the number of cards opened, WyHy has committed to donating a minimum of $2500 annually. This donation may assist up to five families in need that work for WYDOT/WHP. Upcoming Events Monday, September 2 WyHy will be closed for Labor Day Monday, September 30 Join us at both branches from 11:00 am to 1:00 pm for our Fall Sporting Event Monday, October 14 WyHy will be closed for Columbus Day Thursday, October 17 Join us to celebrate International Credit Union Day Saturday, October 26 Document Destruction Day at both branches Monday, November 11 WyHy will be closed for Veteran's Day Thursday, November 28 WyHy will be closed for Thanksgiving Thursday, December 12 Join us to celebrate the Holiday Season at our Holiday Open House .wyhy.org/ view/view.aspx?s=1&e=59abfc104dec4e8c9193adcbdcff41&v=a20f5a7439fd1289 5/6

6 Tuesday, December 24 WyHy will close at 1:00 pm for Christmas Eve Wednesday, December 25 WyHy will be closed for Christmas Copyright 2013 WyHy Credit Union. All Rights Reserved. This em ail was sent to you by WyHy Credit Union located at 1715 Stillwater Avenue Cheyenne, WY If you wish to opt-out/not receive any additional em ails via this platform, please click here to unsubscribe. We value your privacy and your inform ation will not be sold or shared with other parties/com panies/vendors. Em ail Key: CDB7-4CE5-81F8-5E55ADAC7D25 Forward To Friend .wyhy.org/ view/view.aspx?s=1&e=59abfc104dec4e8c9193adcbdcff41&v=a20f5a7439fd1289 6/6

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