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ONLINE BANKING SECURITY NEWS

Immediate action is required for Win XP and Internet Explorer 8 users

As you may know, on April 8, 2014, Microsoft discontinued support on its Windows XP operating system.

With support discontinued for this operating system, users can no longer obtain security patches beyond Internet Explorer 8, thus users will be subject to vulnerabilities.

In an effort to keep our clients from these vulnerabilities, First Community Bank's Online Banking provider (NetTeller) will discontinue support service to Online Banking users using Internet Explorer 8 or older on Thursday, June 26, 2014.

Windows XP users can download an alternative browser, such a Google Chrome, Firefox, or for Apple / Mac users you can use Safari, in order to resolve this issue.

Download one of the supported browsers now!

Internet Explorer: http://windows.microsoft.com/en-us/internet-explorer/download-ie

Firefox: http://www.ez-download.com/lp/firefox/105/

Safari: http://support.apple.com/kb/dl1531

Google Chrome: https://support.google.com/chrome/answer/95346?hl=en

Heartbleed Open SSL - What does this all mean?

By now you have probably been hearing all of the news regarding the "Heartbleed" Open SSL -Bug, and how it has affected many sites that you visit on a regular basis. You may even be wondering how this is affecting your bank's website and if we have taken the necessary preventative steps to ensure your account information safety. Please be assured that First Community Bank takes "Heartbleed" and the security of your account very seriously. That is why we have gone through extensive testing with our online banking providers to make sure we can guarantee that your online experience is a safe one.

Here is a little more information that we at First Community Bank would like to provide you as our customer, to help you better understand what Heartbleed is, and how it affects all of your online activities. Please use the links below to become more aware of the "BUG".

The first site will provide you an explanation of what "Heartbleed" is and how it works, as well as what steps you and other business can do to prevent hackers from accessing your information. http://vimeo.com/91914818

The second link is an online tool that anyone can use to test a frequently visited site for the Heartbleed Open-SSL Bug. https://www.directpass.com/heartbleeddetector

If you have any questions about your account security and steps you can take to prevent the unwanted from happening, please feel free to contact our Customer Care Representatives at 1-888-300-0838.

Thank-you for banking with First Community Bank, "It Pays to be First"


Your Account Security is "FIRST" on our list!

Please be assured that First Community Bank takes your security and ours very seriously. In regards to the Windows XP "Death Watch" we have gone to great lengths to ensure the safety of our customers information. We are in the process of replacing all Windows XP machines with Windows 7 and we have verified that our vendors are doing the same. Our online banking product is secured by our application vendor and is being closely monitored. Our ATM's are currently running a self contained application, that is our protection against fraud or risk of being compromised. As best practice we are requesting customers to monitor and or change their security questions periodically as another level of security. If you have any concerns please contact one of our Customer Care Representatives for more information about what steps we have taken to ensure your account security.

Free Tax Services: http://www.uwfreetaxes.org/

Target Breach Update: Target REDcard - Jan. 17, 2014

Target - Important Notice: Unauthorized access to payment card data in U.S. stores

Dear First Community Bank Customer,

Target Corporation has announced that there been an incident involving unauthorized access to Target payment card data. National news agencies have reported that the breach may have affected about 40 million of Target's customers at stores nationwide. Target officials stated that unauthorized access may have affected customers who used debit cards, credit cards or Target REDcards in U.S. stores between November 27th and December 15th. Online shopping activity was not identified as being compromised and Target officials have stated that the compromise only included signature-based transactions, and not PIN-based transactions.

It is very important that you review your debit and/or credit card account activity immediately to verify the legitimacy of your Target charges during this time and to identify any suspicious activity. You can review your debit card account activity through the Bank's NetTeller online banking product, our mobile banking app, or by calling us at (888) 300-0838. Your FCB credit card account activity can be reviewed by visiting the "cardholder services" website at: https://www.mycardstatement.com/

Should you have any questions or comments regarding this matter, please feel free to visit any of our locations or contact us at the number noted above.

Here are the details of the incident.

Sincerely,

First Community Bank

Alabama Bankers Association Provides Customer Security Tips on Data Security

ABA Provides Customer Security Tips; and urged bank customers to take an active role in protecting their privacy. "Banks protect customer privacy because their future depends on it," ABA President and CEO Frank Keating said. "While banks provide strong data protections, customers are the first line of defense. A partnership between banks and customers is the most effective way to protect financial data."

To ensure the safety of personal information, ABA advised bank customers to create and use complicated passwords; continually monitor their accounts; and ensure that computers and mobile devices are equipped with up-to-date anti-virus and malware protection. The association also provided tips to customers who discover they are fraud victims or suspect their personal information has been compromised. Read more.

10 Ways to Avoid Hacking

1. Click jacking. This popular Facebook scam involves online games that require you to click something that moves across your computer screen. You think you're clicking on a dancing Santa, but you could instead be clicking on a concealed link that might perform actions such as making your Facebook profile information public or giving scammers access to information stored on your computer. So don't click on those dancing Santa's (or any other game that pops up on your computer or gets passed around on Facebook).

2. Drive-by downloads. This is a term that refers to downloading something that you didn't realize was a malicious program or a download that occurs without your knowledge. This might happen as you are browsing the Web during the holidays and visit unfamiliar sites with ads that promise deep discounts. If the site isn't legitimate, the ads probably aren't, either. Also avoid sites that require you to download a "codec" to view a video, because this is malicious software.

3. Infections from legitimate sites. Now is prime time for hackers to infect sites that get more traffic during the holidays with pop-up ads that have viruses. Aitel recommends installing an ad blocker on your browser, such as the free Ad block Plus, or using Chrome as your browser because it's harder for hackers to infiltrate.

4. Email phishing. Your inbox might fill up with donation requests or holiday deals over the coming weeks. If these emails come from people or groups you're not familiar with, delete them; they're likely attempts to steal your personal information or con you out of big bucks. Also watch out for emails claiming to come from your credit card issuer. You might assume that they're legitimate if you've been using your card frequently to make holiday purchases. But don't respond to any emails saying that there's a problem with your card. Instead, call your company directly using the number printed on the back of your card.

5. Text-message phishing (or smishing). Be wary of text messages with donation re-quests, notices of too-good-to-be-true deals or even gift card offers from major retailers. There's a good chance that they're fake. If you respond, you may be prompted to divulge personal information, such as your credit card number.

6. Phony apps. Be wary of the apps you download on your phone or Facebook page. Researchers recently found that Android phones are vulnerable to text message phishing if users download infected apps. Even legitimate apps might ask for too much information. So read the list of permissions an app requests to make sure it's not asking for information you don't want to provide.

7. Fake Google results. If you do a Google search for a popular toy your kid wants for Christmas, for example, there's a good chance that some of the results will be links to fake sites or images that have viruses or malware. That's because scammers build sites based on popular search terms. When doing your holiday shopping online, stick with sites you know.

8. Forced browsing. This advanced hacker technique is used to steal your passwords when you log into your accounts using a public Wi-Fi connection. (It gets its name from a computer being forced to browse without the user's knowledge.) So don't check your accounts online at the coffee shop or other public Wi-Fi spot. Even if you're just browsing the Web using a public Wi-Fi connection, you can put yourself at risk if you've set your browser to save the passwords to your accounts. Hackers can view your browsing history, go to sites you've visited and steal passwords without you knowing.

9. Wi-Fi sniffing. This technique allows hackers to see what you're doing on your computer if you're using a public Wi-Fi source. If you surf the Web on your smartphone, use your 3G (or 4G) network connection if you can because it is more secure than Wi-Fi. To protect your laptop from hackers, sign up for a

personal virtual private network service, such as Private Internet Access, to secure your computer's Internet connection.

10. Digital profiling. Your digital profile is basically what you say about yourself on social media. And thieves can make use of this information. For example, you shouldn't announce on Facebook that you'll be out of town over the holidays. You put your home at risk of a break-in or of being used by criminals as a mailing address to ship illicit pack-ages.


FCB Loan Originators

Nationwide Mortgage Licensing System & Registry (NMLS)

First Community Bank is registered with the Nationwide Mortgage Licensing System Registry. For a complete listing of the Bank's registered Mortgage Loan Originators, click here:

http://www.fcb-al.com/personal/loans/loan-originator.html








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