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Frequently Asked Questions Regarding Fraud

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1. What is "phishing"?

Many financial institutions and companies that conduct business on the Internet, have become the target of a form of online fraud called "phishing"(sounds like "fishing"). Phishes usually take the form of unsolicited emails or pop-up Web pages. To make the phishes look official, scammers often include image and logos from legitimate companies.

2. What is identity theft?

Identity theft is a serious crime where fraudsters try to illegally use your personal information as a means to steal funds or gain illegal credit.

3. How can I protect myself from online fraud and identity theft?

You can help protect yourself from online fraud and identity theft by being careful with your personal and account information. Never provide your confidential information in response to unsolicited emails and pop-up Web pages.

4. How is Mechanics Bank protecting its clients from online fraud?

Mechanics Bank is committed to protecting the security of your accounts and your identity. The security of our clients' accounts and personal information is our highest priority. We have a team dedicated to online fraud. We have aggressive processes, policies and technologies in place to help us fight these scams. We're also proactively communicating with our employees and our clients about online fraud.

5. Has Mechanics Bank been the target of online fraud?

Many financial institutions and companies that conduct business on the Internet have become the target of a form of online fraud called "phishing"(sounds like "fishing"). We're aware of online fraudulent activities and have aggressive policies in place to fight online fraud. We have a team dedicated to online fraud and we are working to help minimize the impact of online fraud. We're also proactively communicating with our employees and our clients about online fraud.

6. How do scammers clone the Mechanics Bank Web site?

The nature of the software used to browse the Internet causes images to be downloaded to each computer. Thus, images of Mechanics Bank web site - as well as other sites - can be copied. We're proactively taking steps to make this process more difficult through the use of sophisticated technology that attempts to identify unusual or suspicious activity related to the Mechanics Bank website.

7.Is the Mechanics Bank web site secure?

The Mechanics Bank website is secure as well as Online Banking. We use secure transmission mechanisms to encrypt communications that contain your confidential information. The encryption helps prevent information from being intercepted by third parties. In addition, we use safety measures such as firewalls and pass codes to protect your accounts.

8. How do I know if the web site is really a Mechanics bank site?

You can ensure that you are visting the authentic Mechanics Bank website by typing the URL into your browser or using a bookmark that you previously created.

9. How do fraudsters get my email address?

Fraudsters can purchase email lists through legitimate or illegitimate sources or randomly generate email addresses using computers. Mechancis Bank does not sell personal or account information - including email addresses.

10. How can I prevent receiving these fraudulent emails?

Keep anti-spam, anti-spy ware and anti-virus filtering software up to date on your computers. This may reduce the number of fraudulent emails you receive.

11. Where can I report a suspicious or fraudulent email or Web site for your review?

To report a suspicious email or Web page, forward the information about the email or Web page to fraud@mechanicsbank.com. If you believe you have provided personal or account information in response to a fraudulent email or pop-up Web site, immediately contact Mechanics Bank Client Services at 800-797-6324.

12. How do I know if an email is from Mechanics Bank?

Fraudulent emails often include logos and images from our Web site. The important thing to remember is that Mechanics Bank will never send unsolicited emails to clients asking to provide, update or verify personal or account information, such as passwords, Social Security numbers, PINs, credit or check card numbers, or other confidential information. If you did not initiate the email communication with us, you should not provide any confidential information.