There are a number of methods that offenders employ to use your personal information - such as your name, address, phone number, Social Security Number, or bank or credit card account numbers - without your knowledge to personally profit at your expense.

• Phishing and Spoofing: Phishing and spoofing enable offenders to obtain personal information via e-mail and the internet. With phishing and spoofing, an email header is forged to make it appear as if it comes from someone other than the actual source. The fraudulent email message may direct you to a web site that looks just like the legitimate source's web site, but isn't. In these cases, the email or pop-up messages are used to deceive you into disclosing sensitive personal information so that the offender can use your information to make fraudulent purchases, access your accounts or steal your identity. To learn more, we encourage you to read "You Can Fight Identity Theft," a valuable resource (.pdf brochure) on the FDIC web site, www.fdic.gov. 
   
• Identity Theft. Identity theft: occurs when your personal information is used by someone else to open new accounts or initiate transactions in your name. Identity theft occurs through a number of ways offline - from stealing wallets and purses, intercepting and rerouting mail, or rummaging through garbage. To learn more, visit www.consumer.gov/idtheft, the U.S. government's central Web site for information about identity theft, or call the FTC's identity theft hotline at 1-877-IDTHEFT. Click here to visit our Identity Theft Prevention page. 
   
• Skimming: Skimming, which occurs when your credit or debit card account information is captured in a data storage device, is a practice offenders employ to create counterfeit credit or debit cards from your account information. Your card may be swiped first for an actual purchase, and then swiped again into a small handheld device called a skimmer, or a skimmer may be attached to an ATM machine or unattended gas pump where you swipe your card or enter your card information.

Contact Impact Bank with additional questions regarding personal information security threats.