Message from President

Dear Valued Customer:

There are four simple steps that you can use to stop a Cyber Thief.

Banks us a combination of safeguards to protect our customer data, which allows us to detect unusual spending patterns and protect accounts. You, as a customer, also play an important role in safeguarding personal financial information.

To help ensure the safety of personal and financial information, the American Bankers Association suggest following these four tips:

• Create c0mplic@t3d passwords. Avoid birthdays, pet names and simple passwords like 12345. It is also important to change passwords at least three times a year. Because friendly theft--theft by someone the victim knows--is the most common type of identity theft or fraud, don't share your passwords with family members and be mindful of who has access to your personal information.

• Keep tabs on your accounts. Check account activity and online statements often, instead of waiting for the monthly statement. You are the first line of defense because you know right away if a transaction is fraudulent. If you notice unusual or unauthorized activity, notify your bank right away. When you report an unauthorized transaction in a timely manner, we will take measures to protect the account.

• Stay alert online. Be sure computers and mobile devices are equipped with up-to-date anti-virus and malware protection. Never give out your personal financial information in response to an unsolicited email, no matter how official it may seem. We will never contact you by email asking for your password, PIN, or account information. Only open links and attachments from trusted sources. When submitting financial information on a website, look for the padlock or key icon at the top or bottom of your browser, and make sure the Internet address begins with "https." This signals that your information is secure during transmission.

• Mobilize your defenses. Use the passcode lock on your smartphone and other devices. This will make it more difficult for thieves to access your information if your device is lost or stolen. Before you donate, sell or trade your mobile device, be sure to wipe it using specialized software or using the manufacturer's recommended technique. Some software allows you to swipe your device remotely if it is lost or stolen. Use caution when downloading apps, as they may contain malware and avoid opening links and attachments--especially from senders you don't know.

If you are a victim of fraud and suspect your personal information has been compromised, you should take the following steps:

• Call the bank and credit card issuers immediately so that we can take necessary steps to protect your account;

• File a police report and call the fraud unit of the three credit-reporting companies;

• Consider placing a victim statement in your credit report and a fraud alert on your account;

• Keep a log of all the contacts you make with authorities regarding the matter. Write down names, titles, and phone numbers in case you need to re-contact them or refer to them in future correspondence.

• Contact the FTC's ID Theft Consumer Response Center at 1-877-IDTHEFT (1-877-438-4338) or www.ftc.gov/idtheft.

I hope this information is helpful to both protect your mobile devices from Cyber threats and to give you useful information should you be a victim.

Thank you for allowing M C Bank to serve your financial needs.




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Larry J. Callais

President & C.E.O.

M C Bank

Member F.D.I.C. and the Community!

We love feedback! Feel free to email the President at larry.callais@mcbt.com.