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Phishing Alert
The National Automated Clearing House Associate (NACHA) has been the victim of sustained and evolving phishing attacks in which consumers and
businesses are receiving emails that appear to come from NACHA. The attacks are occurring with greater frequency and increased sophistication.
Perpetrators may also be exploiting email addresses recently stolen from Epsilon. These fraudulent emails typically make reference to an ACH
transfer, payment, or transaction and contain a link or attachment that infects the computer with malicious code when clicked on by the email
recipient. The contents of these fraudulent emails vary, with more recent examples including a counterfeit NACHA logo and the citation of
NACHA's physical mailing address and telephone number. NACHA itself does not process nor touch the ACH transactions that flow to and from
organizations and financial institutions. NACHA does not send communications to persons or organizations about individual ACH transactions that
they originate or receive. DO NOT open attachments or follow Web links in unsolicited emails from unknown parties or from parties with whom they
do not normally communicate, or that appear to be known but are suspicious or otherwise unusual. If you receive a suspected fraudulent email
appearing to originate from NACHA, please forward to abuse@nacha.org to aid in our efforts with security experts and law enforcement officials
to pursue the perpetrators. If malicious code is detected or suspected on a computer, consult with a computer security or anti-virus specialist
to remove malicious code or re-install a clean image of the computer system. Always use antivirus software and ensure that the virus signatures
are automatically updated. Ensure that the computer operating systems and common software application security patches are installed and current.
Additional information and guidance on phishing is available from the Federal Deposit Insurance Corporation (FDIC).
Questions? Contact the Electronic Banking Department at 423-636-5000.
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NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS
All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010,
through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to
depositors under the FDIC's general deposit insurance rules. The term "noninterest-bearing transaction account" includes a traditional checking
account or demand deposit account on which the insured depository institution pays no interest. It also includes Interest on Lawyers Trust Accounts
("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may bear interest, NOW accounts,
and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit
www.fdic.gov.
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