First Kingsport Credit Union

First Kingsport Credit Union

Your Funds are Safe, Secure and Strong

Your Shares are insured up to $100,000 (or more) by the National Credit Union Share Insurance Fund (NCUSIF)
an arm of the National Credit Union Admistration. IRA Accounts and other retirement accounts are insured up to $250,000.

Not one penny of insured savings has ever been lost by a member of a credit union. In the State of Tennessee, every credit union is required to have this insurance.

For more information, please visit www.ncua.gov .

We have great deals on Home Loans

E-Statements are now available via Virtual Branch

The Benefits of E-Statements are:

1. Save Time. E-Statements are available the first day of each month. You print your own copy.

2. Safe. We send you an e-mail telling you that your statement is ready. You log into the secure site to retrieve it.

3. Convenient. You have access to statements for prior months. When you need to research an item...it is available to you.

4. Earth friendly. Postage friendly. You will love the convenience.

5. Available. Always!!

Call 229-9463 for more info and to get set up.

Win a Wii

Sign up for E-Statements by 8-31-08 to be entered in a drawing for the Wii console and Smash Brothers game. Contestents must also sign up for Virtual Branch. One entry per account.

Surf our site and see great rates on loans, savings, and investment products that keep up with your changing financial needs.
Our members can access account information online through our internet banking, Visa credit card information, and check reordering services.

If you're considering membership at our credit union go to About Us for information on joining, and you can even apply online. Answers to your questions are just a click away when you contact us via email.

We're glad you're here. We invite you to stay awhile, look around, and come back often for the latest information from your member-owned First Kingsport Credit Union.

Beware...Identity Theft Happens!!! Deter, Detect and Defend yourself in order to AVOID Identity Theft!!

Common ways to Fight Back against Identity Theft:

Skilled thieves use a variety of methods to steal your personal information, including:

1. Dumpster Diving. They rummage through trash looking for bills or other paper with your personal info on it.

2. Skimming. They steal credit/debit card numbers by using a special storage device when processing your card.

3. Phishing. They pretend to be financial institutions or companies and send spam or pop-up messages to get you to
reveal your personal information.

4. Changing your Address. They divert your billing statements to another location by completing a "change of address"
form.

5. "Old fashion Stealing". They steal wallets and purses; mail, including bank and credit card statements; pre-approved
credit offers; and new checks or tax information. They steal personnel records from your
employers, or bribe employees who have access.

DETER

Identity theft is a serious crime. It occurs when your personal information is stolen and used without your knowledge to commit fraud or other crimes. Identity theft can cost you time and money. It can destroy your credit and ruin your good name.

Deter identity thieves by safeguarding your information.

* Shred Financial documents and paperwork with personal information before you discard them.

* Protect your Social Security number. Don't carry your Social Security card in your wallet or write your Social Security number
on a check. Give it out only if absolutely necessary or ask to use another identifier.

* Don't give out personal information on the phone, through the mail, or over the Internet unless you know who you are
dealing with.

* Never click on links sent in unsolicited emails; instead, type in a web address that you know. Use fire-walls, anti-
spyware and anti-virus software to protect your home computer; keep them up to date. Visit OnGuardOnline.gov for more
info.

* Don't use obvious passwords like your birthdate, your mother's maiden name, or the last 4 digits of your Social Security
number.

* Keep your personal information in a secure place at home, especially if you have roommates, employ outside help, or
are having work done on your home.

DETECT

Detect suspicious activity by routinely monitoring your financial accounts and billing statements. Be alert to signs that require immediate attention:

* Bills that do not arrive as expected.

* Unexpected credit cards or account statements.

* Denials of credit for no apparent reason.

* Calls or letters about purchases that you did not make

Inspect:

* Your credit report. Credit reports contain information about you, including what accounts you have and your bill paying
history.

**The law requires the major nationwide consumer reporting companies - Equifax, Experian and TransUnion to
give you a free copy of your credit report each year if you ask for it.

               Visit www.AnnualCreditReport.com or call 1-877-322-8228, a service created by these three companies, to
               order your free credit reports each year. You can also write:
                                                        Annual Credit Report Request Service
                                                         P.O. Box 105281
                                                        Atlanta, GA 30348-5281

** Your Financial Statements. Review Financial accounts and billing statements regularly, looking for charges
you did not make.

DEFEND

Defend against ID Theft as soon as you suspect it.

*Place a FRAUD ALERT on your credit reports, and review the reports carefully. The alert tells creditors to follow certain
procedures before they open new accounts in your name or make changes to your existing accounts. The three
nationwide comsumer reporting companies have toll-free numbers for placing an initial 90 day fraud alert; a call to
one company is sufficient:

Equifax: 1-800-525-6285

Experian: 1-888-EXPERIAN (397-3742)

Transunion: 1-800-680-7289

Placing fraud alerts entitles you to free copies of your credit reports. Look for inquires from companies you haven't
contacted, accounts you didn't open, and debts on your accounts that you cannot explain.

* Close accounts. Close any accounts that have been tampered with or established fraudulenty.

* Call the security or fraud departments of each company where an account was opened or charged
without your okay. Follow up in writing, with copies of supporting documents

* Use the ID Theft Affivavit at www.ftc.gov/idtheft to support your written statement.

* Ask for information that the disputed account has been closed and the fraudlent 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.

                   * Report the theft to the Federal Trade Commission. Your report helps law enforcement officials across the
                     country in their investigations. You can file Online at www.ftc.gov/idtheft , or by phone at 1-800-ID-Theft
                     1-877-438-4338, or by mail at Identity Theft Clearinghouse, Federal Trade Commission, Washington, DC
                     20580

To learn more about ID theft and how to deter, detect, and defend against it visit www.ftc.gov/idtheft . Or request
copies of ID theft resources by writing to: Consumer Response Center, Federal Trade Commission, 600 Pennsylvania Ave., N.W., H-130, Washington, DC 20580

The FTC works for the consumer to prevent fradulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop and aviod them. To file a complaint or to get free information on consumer issues, visit www.ftc.gov or call toll-free 1-877-382-4357. The FTC enters Internet, telemarketing, identity theft, and other fraud-related complaints into Consumer Sentinel, a secure online database available to hundreds of civil and criminal law enforcement agencies in the U.S. and abroad.

If it looks to Good to be true...it's false

Every day American consumers receive offers that just sound too good to be true. In the past, these offers came through the mail or by telephone. Now con-artists and swindlers have found a new avenue to pitch their frauds - the Internet. The on-line scams know no national borders or boundaries; they respect no investigative jurisdictions. An interesting point about fraud is that it is a crime in which you decide to participate. Hanging up the phone or not responding to shady mailings or emails makes it difficult for the scammer. Con-artists are very persuasive, using all types of excuses, explanations, and offers to lead you...and your money... away from common sense. Check out this website www.lookstoogoodtobetrue to educate yourself so that you do not fall victim to these scam artists. Education, good judgement, and a healthy dose of skepticism are the best defenses against becoming a victim.

Your savings federally insured to at least $100,000 and backed by the full faith and credit of the United States Government