Visa CREDIT Card General Guidelines

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1 Visa CREDIT Card General Guidelines General Account Information Phone Numbers and Addresses It is very important to keep us up-to-date with your correct address and phone number. Card reissues/replacements may be returned or lost if we do not have your correct address. If there is a problem with your card and we are not able to contact you, we may have to block your card. Activation To activate your card, you must call the activation number from your PRIMARY telephone number. Your primary telephone number is what we have on file for you (landline or cell). This needs to be kept current at all times to avoid issues with card activation. Expiration Please be certain to check your expiration date. Credit cards generally issue around the 25 th of the month before the card expires. For example, if your card expiration date is 06/14, it will reissue around 5/25/14 and take 7 10 business days to arrive. Signature On Back Panel Maine Highlands Federal Credit Union advises you to sign the signature panel on the back of your card. The card must be signed in order to be valid. VISA considers a signature panel with the words See I.D. or equivalent language to be invalid. PIN Your PIN (personal identification number) should be kept in a secure location. It is your responsibility to maintain its security. To ensure this security, do not write your PIN on your card, do not keep your PIN with your card, and do not share your PIN with anyone. A PIN reminder can be sent to you if you have forgotten your PIN. Denials Your card can be denied for a number of reasons. If your card is denied and you don t understand why, it is best to contact us at or rather than to continue trying. Closing Your Card Cutting up your card does not prevent activity. In order to stop charges or fraud activity, you MUST contact Maine Highlands FCU to close your card. Credit Card Counseling Assistance If you would like information about credit counseling services, call (888)

2 Card Limits MHFCU Limits Up to 5 ATM withdrawals or $1, per day ($ per transaction) Up to 9 card-not-present transactions (maximum $5, per day) pending available credit limit All other transactions pending approval up to the cardholders available credit limit. Fraud Fraud Alert Management We will receive an alert when there is a chance your credit card shows unusual activity. When this happens, your card may be blocked and either Fraud Alert Management or Maine Highlands FCU will attempt to contact you for verification. Verified by Visa Some merchants require you to register your card with Verified by Visa to complete your transaction with them. You can find this website on our website at and click on Links. Safety Tips That Can Reduce Your Exposure To Fraud Monitor your account(s). Fraudsters are becoming savvier at avoiding detection of fraud monitoring programs by following transaction spending patterns that are similar to cardholders as well as by using less popular merchants that may not be monitored as heavily. On-line banking and e-alerts are great tools to use for up-to-date information. On-line banking and e- alerts are great tools to use for up-to-date information. You can also sign up for to keep track of your transactions. Contact us if you would like more information on these services. Report any unauthorized transactions. Ensure Maine Highlands FCU has current contact information to reach you in case of suspect activity on your account. Only carry the cards you intend to use. Leave the others at home in a safe place. Do not trust text messages, s or direct telephone calls from unknown persons especially if they ask for personal information such as your card or account number. Don t give your account number to anyone on the phone unless you ve made the call to a company you know to be reputable. We will contact you whenever there is suspicious activity on your account via telephone, mail, or internet banking message. Care should be given when giving out your card numbers. There are many scams out there. For example, if something says it is FREE, and it is asking for your card number, it generally isn t free. Carefully review websites and merchants before giving out your card numbers. We recommend you never give your card number to anyone who calls or s you. Once a merchant has your card numbers, they have access to your account. Beware of trial memberships. These are often a type of subscription that will charge your account on a regular basis. Never approach an ATM if anyone is lingering nearby. Never use an ATM if you see loose or wobbly parts attached to the face of the ATM or a dramatic change in the appearance of the ATM since your last visit. If you feel uneasy, go to another ATM location where you feel safer.

3 If your card is captured inside of an ATM, call us immediately. It is likely the terminal owner will destroy your card. If you suspect that your card may have been compromised, contact us to block your current card. We will then issue you a new card with a new number. Be cautious when using your debit card for online purchases. It is much more difficult and time consuming to recover lost funds from a checking/savings account than it is to contest charges with a credit card company. If possible, designating one credit card with a lower limit for online purchases only is suggested because it limits exposure. Avoid using computers over which you do not have full control. This includes any public venue that provides WI-FI or any public computer with internet access. When providing your card for payment, be sure it is returned to you. Also, verify it is your card. Many businesses process several cards at once and could accidently return someone else s card to you. Check your receipt before signing to make sure it is for the correct amount. When shopping online, do not store your login credentials or your card information on websites. Ensure your login credentials (user IDs and specifically passwords) for your computer, online banking, smart phones, or any system where you log in has secure, complex passwords that are difficult to guess (ex: minimum of 9 characters long using a combination of upper & lower case letters, number and characters) Update passwords for websites regularly to ensure continued protection. Ensure that computer and smartphone protections are current (ex: firewalls, anti-virus software, etc.) Be aware of current fraud trends related to social engineering (ex: phishing) and social networking sites (ex: Facebook). Fraud Prevention Trends Skimming and Phishing - Low tech schemes such as these are still successful and popular methods being used by fraudsters to steal information. International sporting events Events such as the 2014 Winter Olympics in Sochi and the FIFA 2014 World Cup in Brazil, provide heightened opportunities for fraudsters to steal card information. In many cases, United States cardholders are targeted due to the ease of mag stripe card replication. Some known fraud scams follow: FIFA 2014 World Cup Lottery Scam The begins with Congratulations, your cell phone number is among the 10 lucky winners, that has won the sum of USD$500, The then asks for the recipient to provide personal details. Unauthorized ticket sales Both the Olympics and the World Cup organizers warn of unauthorized tickets sellers where the buyer is promised tickets to events (sometimes at higher rates) but then do not delivery the tickets and use the supplied cardholder information to perpetrate fraud. Social networking sites for phishing Fake World Cup Facebook pages designed to encourage victims to enter login credentials that the fraudsters use to steal identities. One of the more

4 recent pages asked users to vote for a specific soccer player by entering user ID, address and/or password information. Price fixing / gouging In Sochi, visitors and Olympic athletes have reported merchants and restaurants falsely inflating prices or claiming credit card and receipt machines to be broken only to find their card charged for an exorbitantly higher rate than the true purchase amount. National retailer POS terminal attacks during the holidays - Cyber-attacks using advanced RAM scraping software were used to access card numbers and track information, cardholder credentials and, in some cases, encrypted PIN block for millions of consumers who shopped at Target and Neiman Marcus. Media reports suggest additional national retailers have also been breached but remain anonymous at this time. Ransomware - Closely related to scareware, ransomware also uses extortion tactics to panic victims and trick them into providing payments and/or personal information. Ransomware is a program that is deployed when a user visits an infected website or opens a malicious attachment in an . The program then locks or encrypts the computer files and demands a ransom, via a locked screen message, to restore access. The ransom is collected through a link or icon on the locked screen message where the user enters payment information. This link is also malware designed to steal additional personal information from the locked computer. Even after paying the ransom, the machines remain locked and files are still deleted or corrupted. ATM Cash-Out Schemes - Occur when hackers are able to deploy SQL injections into a banking program which allow them change card configuration parameters (ex: spending limits, PIN checking, card balances) on to allow unlimited withdrawals on a single account. Past attacks have allowed fraudsters to withdraw more than $500,000 from ATMs in 24 hour period using only a single card. Brute Force Attacks - Use a computer-based program (BOT) to submit authorization requests at a high rate in an attempt to break the CV code which will allow the card number to be sold, reproduced and used fraudulently. Recent examples have seen hundreds of transactions run within a matter of minutes. The fraudsters often use legitimate merchant account details to process the transactions. Smartphone Zeus variants Many of the Zeus-based Trojans are designed to exploit weaknesses in protection related to consumer online banking. The popular virus has been adapted for use on BlackBerry, Android and ios devices. In 2012, Eurograbber (European Zeus variant), accounted for approximately $47 million dollars in fraud losses from 300,000 accounts across four European countries. Denial of Service (DoS) Attacks - As well as Distributed Denial of Service (DDoS) and Permanent Denial of Service (PDoS) attacks, target services delivered via the internet at an organizational level. These attacks are designed to disrupt service between the intended user and the victim organization or business. The primary differences between each of the DoS attacks is the damage to the victim s web-based infrastructure and the length of time required to recover from the attack. Many believe the DoS attacks are used to distract from the perpetration of the actual crime.

5 Traveling With Your Card Domestic and International Travel Maine Highlands Federal Credit Union makes every effort to accommodate cardholders during their travels. Notify us of your destination and dates of your trip. For ATM use, make sure you know your PIN before embarking on any trips. Make note of your 16-digit card number and keep it in a safe place separate from your cards. Know your daily card limits, and your total credit limit. Check your card s expiration date before your trip. Never travel with only one means to access your money. Ask us about Shared Branching locations available on your journey. You can use your card anywhere that accepts VISA. This also means you should be able to do a cash advance at financial institutions that accept VISA. Monitor your accounts regularly; more frequently if traveling If any suspicious transactions occur outside from your normal spending pattern, your card may be blocked. So it is very important you contact us before you leave. If you are traveling to a foreign country, (particularly in Europe), merchants are more familiar with accepting EMV chip cards (cards with an embedded chip) than magnetic-stripe cards. Visa requires that magnetic-stripe cards be accepted everywhere Visa is accepted. Research the current exchange rate for your destination to compare Visa s competitive rates to those offered by foreign exchange bureaus. Keep our telephone number handy in case you need to contact us in emergency situations (207) or Lost or Stolen Cards Contact us immediately if you feel your card is lost or has been stolen. During Business Hours or After Business Hours Credit Cards Inside U.S Outside the U.S