CUSTOMER ALERT: Due to a high incidence of Spam, Scams, and fraud, we are providing some best practices for you: 1. If you get a call from our Fraud department, we will NEVER request that you send money via Zelle or any other method. 2. If you receive a call from our Fraud department, you are welcome to hang up and call us back on the number on the back of your card or your local branch to verify if this is legitimate or not. 3. If you receive an email about your PIN or Password having been changed, we strongly recommend that you access your account and change your password even if you are still able to access your account

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Business Self-Risk Assessment

Federal Financial Institutions Examination Council

The Federal Financial Institutions Examination Council (FFIEC) issued guidelines that require all U.S. financial institutions to determine the risk level of Commercial Customers that use certain Products, such as Remote Deposit Capture, Wire Transfer and Automated Clearing House ("ACH").

The FFIEC explained the need for the Guidelines, "Compliance of all institutions is important because of the nature of Remote Deposit Capture technology and its adaptability for illegal activities." In the same Guideline, the FFIEC said the Customer Risk Analysis also applied to ACH and Mobile Banking.

For years, U.S. financial institutions have been required to qualify Customers and Customers, in accordance with the Bank Secrecy Act, Patriot Act and Gramm, Leach, Bliley Act, collectively ("The Rules") to preserve the stability of the financial industry.

The attached form can be used to comply with the FFIEC requirements. If you have any questions while completing this form, please do not hesitate to call your Account Officer.

Business Risk Self-Assessment