Privacy and Security

Privacy and Security

Fidelity Bank cares about protecting our customers, especially your privacy.

Protecting your privacy is important to Fidelity Southern Corporation, Fidelity Bank and our employees. We want you to understand what information we collect and how we use it. The following policy serves as a standard for all Fidelity Southern Corporation and Fidelity Bank employees for collection, use, retention and security of nonpublic personal information.

What information we collect:

"Nonpublic personal information" about you is obtained in connection with providing a financial product or service to you. We may collect "nonpublic personal information" about you from the following sources:

What information we disclose:

We are permitted by law to disclose “nonpublic personal information” about you to third parties in certain circumstances. For example, we may disclose nonpublic personal information about you to third parties to assist us in servicing your loan or account with us, to government entities in response to subpoenas and to credit bureaus. In addition, we may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements.

We do not disclose any nonpublic personal information about you to anyone, including affiliates and nonaffiliated third parties, except as permitted by law.

If you decide to close your account(s) or become an inactive customer, we will continue to adhere to the privacy policies and procedures described in this notice.

Our Security Procedures

We also take steps to safeguard customer information. We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with federal standards to guard your nonpublic personal information.

At Fidelity Bank, We Care About Your Privacy

If you have any questions or if you need more information, please call us at 404.248.LION (5466) or toll free at 888.248.LION (5466) or email us at customersupport@lionbank.com.

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Security Statement

Fidelity Bank’s Internet Banking System brings together a combination of industry-approved security technologies to protect data for the bank and for you, our customer. It features password-controlled system entry, an RSA issued Digital ID for the bank's server, Secure Sockets Layer (SSL) protocol for data encryption, and a router loaded with a firewall to regulate the inflow and outflow of server traffic.

Secure Access And Verifying User Authenticity

To begin a session with the bank's server the user must key in a Log-in ID and a password. The Internet Banking System, uses a "3 strikes and you're out" lockout mechanism to deter users from repeated login attempts. After three unsuccessful login attempts, the system locks the user out, requiring either a designated wait period or a phone call to the bank to verify the password before re-entry into the system. Upon successful login, the Digital ID from RSA authenticates the user's identity and establishes a secure session with that visitor.

Secure Data Transfer

Once the server session is established, the user and the server are in a secured environment. Because the server has been certified as a 128-bit secure server by RSA, data traveling between the user and the server is encrypted with Secure Sockets Layer (SSL) protocol. With SSL, data that travels between the bank and customer is encrypted and can only be decrypted with the public and private key pair. In short, the bank's server issues a public key to the end user's browser and creates a temporary private key. These two keys are the only combination possible for that session. When the session is complete, the keys expire and the whole process starts over when a new end user makes a server session.

Router And Firewall

Requests must filter through a router and firewall before they are permitted to reach the server. A router, a piece of hardware, works in conjunction with the firewall, a piece of software, to block and direct traffic coming to the server. The configuration begins by disallowing ALL traffic and then opens holes only when necessary to process acceptable data requests, such as retrieving web pages or sending customer requests to the bank.

Using the above technologies, your Internet banking transactions are secure.

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Protecting Your Identity

The number of Americans who have experienced identity theft has surpassed 27 million, with the incidence rate increasing every year. Substantial measures are in place at Fidelity Bank to protect your identity and your accounts against theft and fraud.

Maximum security is possible only with your help. Here's what you can do to stop these crimes before they happen.

  1. Do not give out financial information such as checking and credit card numbers, or you Social Security number, unless you know the person or organization
  2. Report lost or stolen checks immediately. Fidelity Bank will block payment on them
  3. Notify Fidelity Bank of suspicious phone inquiries such as those asking for account information to 'verify a statement' or 'award a prize.'
  4. Closely guard your ATM Personal Identification Number (PIN) and ATM receipts.
  5. Shred any financial solicitations and bank statements before disposing of them.
  6. Put outgoing mail into a secure, official United States Postal Service collection box.
  7. If regular bills fail to reach you, call the company to find out why.
  8. If your bills include questionable items, don't ignore them. Investigate immediately to head off any possible fraud.
  9. Review your credit reports from the three major credit bureaus annually. You are entitled to a free credit report once a year. The contact information for each of the three credit bureaus is below.
  10. Safeguard your online banking password and change it every 90 days to ensure your protection.

Customer Authentication and Online Banking Alert:

Fidelity Bank will never call you or email you and ask for your Login ID or your password. Be cautious of anyone that calls or emails you and requests personal information such as your Social Security number, account numbers, Login ID or password. Identity theft schemes can appear very authentic. If you experience this situation, hang up or go to the company's web site directly and initiate contact to verify the validity of the contact. Never use a link that is embedded in the original email as cloning bank web sites is a known practice and is difficult to detect.

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Credit Reports and the FACT Act:

Your individual credit report is one of the most important tools you have when accessing your financial health. Your credit report shows a summary of your overall financial reliability.

The Fair and Accurate Credit Transactions Act (FACT Act) makes it easier than ever to access your credit report and to catch and change any errors that could negatively impact your credit score or result in identity theft. The FACT Act assures you free access annually to your credit report from each of the three credit reporting agencies: Equifax, Experian, and TransUnion.

Another provision to help prevent identity theft is the National Fraud Alert System. Any consumer who reasonably suspects that he or she may have been the victim of identity theft, or who are military personnel on active duty away from home, can place an alert on their credit bureau files. This alert will put potential creditors on notice that they must proceed with caution when granting credit.

Credit Reporting Bureaus:

Equifax (www.equifax.com)
Place a fraud alert: 1-888-766-0008
Order a credit report: 1-800-685-1111

Experian (www.experian.com)
Place a fraud alert: 1-888-397-3742
Order a credit report: 1-888-397-3742

TransUnion (www.transunion.com)
Place a fraud alert: 1-800-680-7289
Order a credit report: 1-800-888-4213

If you feel you have been the victim of identity theft please take the following actions:
www.ftc.gov/bcp/edu/microsites/idtheft

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Online Fraud FAQs

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What is “phishing”?
Many financial institutions and companies that conduct business on the Internet, including Fidelity Bank, 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.

Has Fidelity Bank been the target of online fraud?
Many financial institutions and companies that conduct business on the Internet, including Fidelity Bank, 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 are dedicated to preventing online fraud and we are working with law enforcement agencies, industry groups, and other financial institutions to help minimize the impact of online fraud. We’re also proactively communicating with our employees and our clients about online fraud.

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

For more information on how to safeguard your computers and personal information, review the online educational tool on FCID’s Website at www.FDIC.gov.

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How is Fidelity Bank protecting its clients from online fraud?

The security of our clients’ accounts and personal information is our highest priority. We are dedicated to preventing online fraud and we are working with law enforcement agencies, industry groups, and other financial institutions to help minimize the impact of 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.

How do scammers clone the Fidelity Bank Website?

The nature of the software used to browse the Internet causes images to be downloaded to each computer. Thus, images of Fidelity Bank’s Website – as well as other Websites – can be copied. We’re proactively taking steps to make this process more difficult, but we cannot completely stop scammers from cloning our Website.

Is the Fidelity Bank Website secure?

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.

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How do I know if the Website is really a Fidelity Bank Website?

By typing the URL into your browser or using a bookmark that you previously created, you ensure that you’ve reached a Fidelity Bank Website.

How did the scammer get my email address?

Scammers can purchase email lists through legitimate or illegitimate sources or randomly generate email addresses using computers. We assure you that your email was not obtained from Fidelity Bank. Fidelity Bank does not sell personal or account information – including email addresses.

How can I prevent receiving these fraudulent emails?
Keep anti-spam, anti-spy ware and anti-virus filtering software up to date on your computer(s). This may reduce the number of fraudulent emails you receive. You can purchase this software through retailers such as Wal-Mart, Target and Best Buy, as well as online providers such as Symantec and McAfee.

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How do I know if the email is from Fidelity Bank?

Fraudulent emails often include logos and images from our Website. The important thing to remember is that Fidelity Bank will never send 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. You can securely communicate with us by email when you log into online banking or through our secure contact form.

Should I be concerned about someone stealing my identity?

Identity theft is dangerous because it can remain hidden for a relatively long time before it’s identified. Fidelity Bank is committed to protecting your account and identity. You can learn more about identity theft by visiting “Protecting Your Identity” in the CUSTOMER Protection section of this site.

If they obtain my information, how can I ensure that they do not steal more of my money when I change my account/Check Card numbers?

Please be reassured that no further activity can take place on a closed Check Card or account. In the future, you can take preventive measures by never providing your personal information in response to unsolicited requests by email or pop-up Web pages. You should also use caution when disclosing personal or account information in response to unsolicited phone calls.

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Can the scammers open new accounts with my Social Security Number?

Your Social Security Number is one of the key pieces of your identity. That’s why it’s so important to use caution when disclosing your Social Security Number. If you have disclosed your Social Security Number in response to an email or Website that you suspect is fraudulent, you should follow these steps immediately:

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I can’t remember if I responded to an email or Website asking for my information. What should I do?

Closely monitor your accounts for any suspicious or fraudulent activity. You can monitor your Fidelity Bank accounts through online banking. You should also request your credit report from the three credit reporting agencies:

What do I do if I shared information about my account?

If you suspect that you’re a victim of online fraud or identity theft, follow these steps immediately:

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Why does the link in the fraudulent email take me to your Website?
Fraudulent emails will often include URLs or links that look like they take you to a Fidelity Bank Website. Scammers are able to hide the real URL, so it’s difficult to tell that the link is taking you to a fraudulent Web page. In addition, the email may also include the Fidelity Bank logo or images from our Website. Please remember that we will never send unsolicited emails asking clients to provide, update or verify personal or account information, such as passwords, Social Security Numbers, PINs, credit or Check Cards numbers, or other confidential information.

In some cases, if you click on a link in an email, it may take you to the Fidelity Bank Web page and a new window will pop-up. Do not enter information into these pop-up windows. These may be fraudulent as well. To protect yourself, never click on links in emails and do not disclose personal or account information to unsolicited emails or pop-up Web pages.

Will I get any of my money back?

Fidelity Bank will do everything it can to help you get your money back. To start the process of recovering your losses, you will need to fill out an Affidavit of Fraudulent Activity. You can obtain a copy of this form from a local branch or we can fax you a copy. This form must be completed, notarized, and returned to Fidelity Bank. Once Fidelity Bank receives the affidavit back; your account will be credited within 5 business days for Consumer Plastic Card Reg E disputes. If an affidavit is not received, a provisional credit will not be applied. The final credit will be applied after the investigation is completed, which may take up to 45 to 90 days. We’ll also need:

Once we receive these documents, a Fidelity Bank Security Investigator will contact you.

By following these steps and promptly completing and returning the forms we send you, we can better help you protect your accounts and identity.

To help prevent fraudulent activities on your account, we may require that you close your Fidelity Bank account and open a new one.

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Has anyone notified the Fed?

The federal government is aware of these Internet scams and is working with financial institutions to minimize the negative impact of online fraud. You can visit the Federal Trade Commission’s Website at www.ftc.gov and select the “Theft ID” link on the left side of the Web page for more information. You can also visit www.fdic.gov and select the “Consumer Protection” link to learn more about how you can help protect yourself against online fraud.

Electronic Fund Disclosure

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Under Visa’s Zero Liability policy, you will not be liable for any unauthorized purchases made through the Visa/Interlink network at merchants, including those transacted on the Internet, if you contact us within sixty (60) days after the monthly account statement on which the transactions occurred was mailed to you. Visa’s Zero Liability policy covers U.S.-issued cards only and does not apply to ATM trasactions, PIN transactions not processed by Visa, or certain commerical card transactions.

Address and Telephone Number. If you believe your card and/or PIN has been stolen or lost, call 404-248 LION(5466) or write the Check Card Department at the address listed on the back of this insert. You should also call the number or write the address listed below if you believe a transfer has been made using the information from your check without your permission.

Business Days. For purposes of these disclosures, our business days are Monday through Friday. Holidays are not included.

PIN Security. It is best to memorize your PIN. If you do write it down, keep it separate from your card. DO NOT SHARE YOUR PIN WITH ANYONE.

Card Replacement Fee. If the Bank is required to replace a lost or stolen ATM card or Check Card, we reserve the right
to charge a replacement fee. See the current Schedule of Fees for the amount assessed for this service.

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ADDITIONAL INFORMATION ABOUT USE OF YOUR FIDELITY BANK ATM CARD OR CHECK CARD AT POINT-OF-SALE TERMINALS
Each time your ATM card or Check Card is properly used at a point-of-sale (POS) terminal you authorize us to debit your account for the total amount indicated on any debit advice originated by the use of your ATM card or Check Card. We will handle such debit transactions the same as authorized checks drawn on your account and all applicable fees will apply.

No cash refunds will be made on purchases by use of your ATM card or Check Card.

We will not be responsible for any claim you may have against any business establishment with respect to property
or service purchased by the use of your ATM card or Check Card. Any claim must be directed to the business establishment that accepted your ATM card or Check Card.

We will not be responsible for any claim you may have against any business establishment refusing to honor your ATM card or Check Card. Your Visa Check Card should be accepted at any POS terminals or merchants displaying the Visa logo. Please notify us of any merchant location that does not follow this standard practice. If you choose not to activate/use your ATM or Check Card, we reserve the right to terminate the card after 90 days. If you chose not to activate your ATM or Check Card, cut the card in half vertically and discard.

You may not stop payment with respect to any transaction originated by use of your ATM card or Check Card

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ILLEGAL TRANSACTIONS
Your ATM Card or Check Card may be used only for valid and lawful purposes. If you use or allow someone else to use the ATM Card or Check Card for any other purpose you will be responsible for such use and may be required to reimburse Fidelity Bank for all amounts or expenses Fidelity Bank pays as a result of such use.

ERROR RESOLUTION
In case of errors or questions about your electronic transfers, telephone us at the telephone number listed below or write us at the address listed on the back of this insert as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer or withdrawal listed on the statement or receipt. We must hear from you no later than 60 days after the FIRST statement on which the problem or error appeared. Telephoning does not preserve your rights.
A written complaint is required from you as soon as you become aware of the error.

We will determine whether an error occurred within ten (10) business days (5 business days for Visa debit transactions) after we hear from you and will correct any error promptly. If more time is needed we may take up to 45 days (90 days for new accounts, point of sale or international-initiated transfers) to investigate your complaint or question. If we decide to do this, we will issue provisional credit to your account within ten (10) business days (5 business days for Visa debit transactions) for the amount you think is in error. For errors involving new accounts, we may take up to 20 business days to credit your account for the amount you think is in error. You will have full access to the money during the time it takes us to compete our investigation.

We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. Request copies of additional documentation in writing to the address listed on the back of this insert.

This Electronic Fund Transfer Disclosure replaces any previous Electronic Fund
Transfer Disclosure that you may have received from Fidelity Bank.

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