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USA Patriot Act Customer Identification Program Notice

Important Information About Procedures for Opening a New Account.
To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act, a Federal Law, requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means to you:
When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

For the purpose of the regulation, an "account" includes every formal Credit Union relationship that entails ongoing services, dealings or transactions. Some examples are a deposit account, loan, trust relationship, or safe deposit box rental.

If you request to open an account or become a signatory on an account with Heritage Trust Federal Credit Union and Heritage Trust has not previously verified your identity under then new regulatory requirements, Heritage Trust will request documentary verification of your identity, such as driver's license or passport and/or it will verify your identity through other nondocumentary methods. Similar identification requirements apply to business entities such as corporations and partnerships.

In all cases protection of our members identity and confidentiality is the Heritage Trust pledge to you.

As of October 2, 2003

Why we ask for I.D.
"May I see your I.D. please?" This question can be irritating and quite frustrating when trying to cash a check or conducting other financial transactions. For your safety, Heritage Trust requires that each member be positively identified in order to receive funds. This procedure protects members against the possibility of loss of funds.

ID theft and forgeries are on the rise nationally. No financial institution is immune to these losses, but they can be minimized.

If you receive an e-mail that warns you, with little to no notice, that your account will be closed unless you reconfirm your billing information, you should not reply nor click on the link in the e-mail. Instead, contact the company directly using a telephone number or Web site known to be genuine.

You should avoid e-mailing personal and financial information. When submitting financial information through a Web site, look for the "lock" icon on the browser's status bar or "https" in the address to see if the Web site is secure.

You should review credit card and credit union account statements as soon as you receive them to look for unauthorized charges. If the statement is late by more than a couple of days, you should call the credit card company or credit union to confirm your billing address and account balances.

If checks are lost or stolen, usually some time elapses before the loss is discovered and reported. It is during this time that the forger will try to present a check to be cashed. The best defense is to require positive identification such as a driver's license or a picture ID.

The Credit Union wishes to provide fast, efficient service while protecting members' assets. We apologize for any inconvenience and thank you for your cooperation.

Information sent via e-Mail
If a member requests information to be sent via unsecured e-mail, that information shall be sent at the risk of the requesting member. Heritage Trust Federal Credit Union shall not be responsible for any misuse of that information by any person or persons.

As of June 2006

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