Fraud & Security

How Fourth Capital Protects You

Fourth Capital places the highest importance on protecting our clients’ funds and information. To do this, we use a combination of cutting-edge technology and specialized associates to monitor and protect your accounts.

Here are some of the ways we protect you:

• Secure websites – All logins to your Fourth Capital accounts from www.fourthcapital.com are protected by Secure Socket Layer (SSL) technology – as indicated by the “s” in “https://www.fourthcapital.com.” This technology ensures that all data (including login name, password and account data) is encrypted before being transmitted across the public internet.
• Additional online banking security – If an unrecognized device attempts to log in to your accounts, Fourth Capital’s online banking system will present additional challenge questions chosen at the time you established online banking access.
• Fraud monitoring – Fourth Capital proactively monitors client transactions and looks for patterns of behavior that seem out of place with your normal activity. When potential fraud is detected, someone – often your Fourth Capital banker – will contact you to confirm the activity. We will never contact you and ask you to provide sensitive information about yourself or your account.

PRIVACY NOTICE

We will continue to assess our privacy standards to protect the security and integrity of customer information and reserve the right to make changes where and when appropriate to comply with regulatory standards, as well as state and federal law. At least annually, we will establish and disclose our Privacy Notice.

For more information regarding Internet banking security please call 615-298-8000.

Safe Online Practices

ID THEFT PROTECTION

Among the fastest growing crimes worldwide, identity theft can have devastating financial impact on both consumers and businesses. Identity theft is the unauthorized use of your personal information, including your name, birth date, address, Social Security Number, bank account number, credit card number, or other identifying information without your knowledge to commit fraud or theft.

HOW TO TELL IF YOU ARE A VICTIM

Clues that your personal information is being used fraudulently:

• You receive emails asking you to click through to a site in order to provide, update, or verify your account information. This is known as “phishing.”
• You fail to receive bills or other expected mail
• You receive credit cards for which you did not apply
• You are denied credit for no apparent reason
• You receive calls from debt collectors or companies about merchandise or services you didn’t buy

HOW TO REPORT IDENTITY THEFT

While dealing with problems resulting from identity theft can be time-consuming and frustrating, most victims can resolve their cases by being assertive, organized, and knowledgeable about their legal rights. Below are some steps you should take immediately.

Place a “Fraud Alert” on your credit reports and review the reports carefully.
Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. If you do not receive a confirmation from a company, you should contact that company directly to place a fraud alert.

• Equifax: 800.525.6285
• Experian: 888.EXPERIAN (397.3742)
• TransUnion: 800.680.7289

Placing a fraud alert entitles you to free copies of your credit reports. Look for any transactions you can’t explain.

Notify credit companies.
Close the accounts that you know, or believe, have been tampered with or opened fraudulently.

• Call the security or fraud departments of each company. Follow up in writing, with copies of supporting documents.
• Use the ID Theft Affidavit at www.ftc.gov/idtheft to support your written statement.
• Ask for verification that the disputed account has been closed and the fraudulent debts discharged.
• Keep copies of documents and records of your conversations about the theft.

File a police report.
File a report with law enforcement officials to help you with creditors who may want proof of the crime. The FTC has tools including an ID Theft complaint form and cover letter that may be helpful in this process. You can find these tools at www.ftc.gov/idtheft.

Report the theft to the Federal Trade Commission.
Your report helps law enforcement officials in their investigations.

• Online: www.ftc.gov/idtheft
• By phone: 877.ID.THEFT (438.4338)

Call us.
Fourth Capital has some tools that may be able to help you through this process. If you suspect you are a victim of identity theft, call our main bank line at 615-298-8000.

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