600 Commercial Street, Atchison, KS 66002 | (913) 367-6000

July 23, 2008

Lil Pardner Smart Savers Account
Howdy Pardner!

Introducing Exchange Bank’s Lil’ Pardner savings account!

The VISA Gift Card
A Great Gift Idea for Graduation or Weddings!

Identity theft is a hot topic these days. We frequently hear news stories and wonder, "Can that happen to me?" Identity theft can happen to almost anyone, but there are ways you can protect yourself.

To help prevent the threat of identity theft here are a few helpful suggestions:

4. File a police report with your local law enforcement agency.

For additional information and advice you can call the Federal Trade Commission (FTC) Identity Theft Hotline toll-free and 877-IDTHEFT (877-438-4338) or visit their ID Theft website at www.consumer.gov/idtheft.

• Check your credit report annually.
• Review your bills and statements on a regular basis.
• Guard your mail and trash from theft. An easy way to do this is by shredding items containing personal identifying information.
• Use caution when giving out personal information.
• Copy all the contents of your wallet or purse.
• Report lost or stolen checks or credit cards immediately.

For up-to-date information and articles on Identity Theft you may check www.bankersonline.com.

1. Contact the fraud departments of the 3 major credit bureaus:

Immediately call the fraud units of the three credit reporting companies:

Equifax: P.O. Box 740241, Atlanta, GA 30348
Report fraud: Call (800) 525-6285 and write to address above.
Order credit report: (800) 685-1111. www.equifax.com

Experian (formerly TRW): P.O. Box 9532, Allen, TX 75013
Report fraud: Call (888) 397-3742 and write to address above. Fax :( 800) 301-7196
Order credit report: (888) 397-3742. www.experian.com

Trans Union: P.O. Box 6790, Fullerton, CA 92834
Report fraud: (800) 680-7289 and write to address above.
Order credit report: (800) 888-4213.  www.transunion.com

Report the theft of your credit cards or numbers and request a credit report (free to identity theft victims). Ask that your file be flagged with a fraud alert. Add a victim's statement to your report. ("My ID has been used to apply for credit fraudulently. Contact me at [your phone number] to verify all applications.") Ask how long the fraud alert is posted on your file, and how you can extend it if necessary.

If you believe you have been the victim of identity theft there is help:

2. Notify us.

3. Inform your credit issuers.

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