Protecting your account is a top priority at VISIONBank and we believe in acting quickly in your best interest. We were recently notified by Visa® of an incident involving unauthorized access to one of the nation’s largest card payment processors, Heartland Payment Systems, which may have involved payments processed for your card. All affected clients are being contacted by phone and letter.

Description of the Incident
Heartland Payment Systems recently discovered that their system was breached. They determined that this breach occurred during a time period between May and November of 2008. Authorities have already located the individual responsible for the breach and Heartland Payment Systems has stated that the breached data did not contain Social Security numbers, unencrypted personal identification numbers, addresses, or telephone numbers; making it highly unlikely this data can be used for identity theft.

You can help protect yourself from fraud.

VISIONBank and Visa® are working closely together to catch any fraudulent behavior and protect your account. There are also some simple things you can do. And remember, your Visa check card is backed by Visa’s Zero Liability policy, so even if your card or its number is ever lost or stolen, you won’t be responsible for unauthorized charges.

Protect your Personal Identification Number (PIN):

Never write down your PIN. Memorize it as soon as you get it.

Do not disclose your PIN to anyone. No one from any financial institution, the police or a merchant should ever ask for your PIN.

Beware of phishing emails. These are emails that appear to be from your bank or online merchant asking for account information. Do not reply to them or click on any links. Visa, your bank or any other legitimate online merchant will never ask for your PIN or other personal financial information via email.

At an ATM or PIN pad, enter your PIN discreetly, shielding the keypad with your hand or body.

Spot suspicious activity and protect your account:
1. Review your monthly checking account statements to spot any unauthorized purchases. You can also monitor your account activity online at any time at www.visionbanks.com
2. Review your credit reports for accuracy. Call any one of the three credit reporting agencies to receive your free annual credit report.

Equifax® 800-525-6285 www.equifax.com

Experian® 888-397-3742 www.experian.com

TransUnion® 800-680-7289 www.transunion.com

3. If you spot any unauthorized charges, please contact us immediately at
1-877-857-2020.
4. You should also contact the three credit reporting agencies listed above to notify them of any suspected fraud or identity theft.