ONLINE BANKING SECURITY CU@HOME Metro Shores Credit Union takes your online security seriously. Therefore, we are adding an extra level of security, called Multi-Factor Authentication (MFA), to our online banking (CU@HOME) site starting February 21, 2007. WHAT IS MFA? MFA (Multi-Factor Authentication) is a new security feature that provides an extra layer of security that works 24/7 to protect your CU@HOME account, even when you are not banking online. MFA helps you guard against fraudulent online activities like Phishing scams (malicious requests for your personal information) and identity theft. HOW DOES MFA WORK? Once you enroll into MFA, the new security system recognizes your computer. If questionable logon attempts are detected, the system will require additional identity verification before allowing access to your CU@HOME account. During registration, members select a personalized image from an image pool that will be added to CU@HOME. This image becomes a "shared secret" between the member and the credit union that is displayed on CU@HOME before the member logs in. A fraudulent web site would not display the pre-selected image. In addition to this security feature, a set of secret questions will be asked for the member's to answer. This will allow the member to view their account on another computer, besides their own. Logging into the account on another computer will put up a red flag that this may not be the correct person logging in. The security question will be given and if answered correctly, the member will gain access to their account. If you have anymore questions or concerns, please feel free to contact the credit union or view the links below for more information: Quick Reference Guide (PDF) Frequently Asked Questions (PDF)

DRAFT VIEW ONLINE SERVICE  Metro Shores Credit Union is proud to announce a new online service called, "Draft View." This useful feature allows you to view and print your canceled checks right online! For more information, please click here to go to our Accounts and Service page or visit one of our friendly member service representatives!

***NEW EMAIL LOTTERY SCAMS*** IF YOU GET ANYTHING IN REGARDS TO WINNING A LOTTERY THROUGH YOUR EMAIL ACCOUNT, PLEASE STOP AND VERIFY! READ BELOW FOR MORE INFORMATION! Lottery scam letters are sent out by the thousands every day. There are only two things the bad guys want: your money and your identity. Your identity is just as important or even more important than any money you send them. These people can get your identity when you open the very first letter if it contains a Trojan horse or spyware; scam letters often do. They will tell you whatever you want to hear and believe. These scammers will pretend to be lawyers, claim agents, bankers, law enforcement agents, people of high rank in the government, gaming officials, tax collectors, and any other title that will convince you they are good people. If not already asked in the first letter, they will write back asking for your personal identification. This is used to steal your identity. They steal your identity by using your personal banking, passport, driver's license, or credit card information to open accounts you don't know about - it doesn't matter if you have bad credit! Next, they will ask you to send money in the following letters. LEGITIMATE LOTTERIES, FREE LOTTERIES (also known as Sweepstakes) NEVER, NEVER AS FOR MONEY. There are no fees of any kind and the only money you owe is the tax you personally pay directly to your government. This tax is never paid through anyone else or by anyone else. This is true in every country. Remember YOU are responsible for any money you spend and any money you send to anyone else. If the bank or check casher is not aware of this crime, then you could be arrested, along with the fact that you owe taxes on the money that you kept. If you believe you may have been a victim of this scam, please go to http://www.fraudaid.com/ID_theft.htm or give us a call here at the credit union, if you have any more questions about this scam. Thank You!

***IMPORTANT NOTICE ABOUT  YOUR SAVINGS ACCOUNTS*** We would like to provide a little more information on the Regulation D limitations in regards to SAVINGS accounts. Reg. D is something the credit union must comply with. On a savings account, your automatic deposits do not count, only your automatic withdrawals. You are allowed 6 unsigned withdrawals per month. These include online banking transfers, Dial (Audio Response Unit) transfers, phone transfers, automatic bill payments, automatic account debits from a third party, reoccurring payments such as mortgage and a system overdraft transfers to cover checks in your checking account. Once the 6 per calendar month are met, the savings transaction will be rejected. Withdrawals at a teller window or through an ATM machine do not count. A savings account is considered a non-transactional account. If you have any questions please contact the credit union. Thank you!