Dear First National Bank of Broken Arrow Customer,

Recently there have been a number of e-mails sent purportedly from financial institutions requesting recipients to provide personal financial details, such as credit card, bank account and Social Security numbers. These attempts are most likely "phishing" scams and are one of the fastest-growing frauds today. Phishing typically involves bogus e-mails containing legitimate materials such as a company’s logo and website material in order to entice the recipient to provide personal information through official looking communication.

While the First National Bank of Broken Arrow has not been the target of a phishing scam we want to provide information proactively to reduce the likelihood that you could be a victim of fraud. Rest assured that our bank will never contact you unsolicited, whether by e-mail, fax or some other means, to request your personal financial information.

Take the following steps to protect yourself against e-mail fraud:

• Do not respond to an unsolicited e-mail requesting detailed personal or financial information. Ask yourself why such information would be requested.
• Contact your financial institution or the proper authorities if such information has been requested. Contact your financial institution at a phone number or an e-mail address you know to be valid to report such an attempt.
• If you have responded and provided information to such an email contact immediately your financial institution, creditors and the three major credit bureaus to consider placing a fraud alert on your file and request that no new credit be granted without prior approval. Consider closing any accounts that may have been compromised. Call our bank at 251-5371 and the following credit bureaus and check verification companies: Equifax 1-800-525-6285, Experian 1-888-397-3742, TransUnion 1-800-680-7289, Telecheck 1-800-710-9898 and International Check Services 1-800-631-9656.
• On any new accounts you open do not use your mother’s maiden name or previously used passwords if that information has been compromised.
• Additional sources of information and precautions to take to prevent becoming a victim of identity theft or phishing scams can be found at the Federal Trade Commission's Web site www.consumer.gov/idtheft or by clicking on the identity theft link on the bank’s website (fnbba.com).

We appreciate having you as our customer and do not want to alarm you. We do wish to offer helpful information to all of our customers to prevent them from becoming a victim of fraud. If you have any questions or concerns regarding this letter, or other bank matters, please feel free to contact me.

Sincerely,

John L. Herndon
CEO and President