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Visa® Platinum Credit Card

With our Visa® Platinum credit card you get hometown convenience, worldwide acceptance, great benefits and much more. Let us be your full service provider.

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Instant Issue Debit Card

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Shazam Lost or Stolen Card: 1-800-383-8000

Direct Inquiry 24-Hour Hotline

Concordia Bank offers a service that allows you to conveniently access your account information 24 hours a day, seven days a week, at no cost to you. A single phone call puts the data you need at your fingertips. There is no need to apply or sign up. Just dial 1-800-977-7911 and follow the simple step-by-step instructions.

All you need is your account number and access code to obtain accurate and up-to-date information on your account. The initial access code is the last four digits of your social security number. You will be prompted to enter a new access code (4 DIGIT PIN) after your first log-in. Then, you will need to enter this new access code each time you use the Direct Inquiry Line.



IDProtect™ - Your Safeguard to Identity Theft!

Recouping losses and clearing your credit will take money and time. As your trusted financial partner, your identity protection is our highest priority. We already have procedures in place to detect warning signs of identity theft, such as unusual account activity, and we take immediate action and the appropriate steps to prevent and mitigate any potential identity theft event. And now, we are doing more - we're adding identity theft protection - to eligible checking accounts1.

You and your family2 receive the following identity theft protection, powered by IDProtect, for a low monthly security fee3 of $2.00.

Eligible checking account owners also receive up to $10,000 identity fraud expense reimbursement coverage3 for expenses associated with restoring your identity, such as reimbursement for costs associated with attorney fees, loan application fees, long distance calls, certified mail and notarized fraud documents, fees for investigating medical-related identity fraud, reasonable costs for travel and accommodations related to resolving an identity fraud incident, expenses associated with the replacement of government-issued personal identification documentation, as well as coverage for wages lost for time taken off work to correct personal records.

Log on to: www.IDProtectMe247.com using Access Code MO541322 to register and access the benefits provided by IDProtect.

Thank you for allowing us the opportunity to serve your financial needs. We appreciate your trust in us. If you have any questions regarding IDProtect, ask a representative with Concordia Bank. You may also call the IDProtect Service Center at 1-877-610-7889 for questions about the program.

1 IDProtect is made available to eligible checking account owners of Concordia Bank. Benefits will end the first of the month after, i) the month in which the security fee was last paid, or ii) the date of termination of either your membership or the closing or conversion of your eligible account with Concordia Bank.

2 Family includes: Spouse, persons qualifying as a domestic partner under the provisions of any applicable federal, state or local law, children under 25 years of age and parent of such natural persons who are residents of the same household.

3 Security fee will be charged each month based on statement cycle and will apply to coverage for the current month.

4 Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended forinformational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms,conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Insurance coverage is provided by Concordia Bank to eligible checking account owners at no additional cost. Your certificate of coverage is enclosed.

Insurance product is not insured by FDIC or any Federal Government Agency; not a deposit of or guaranteed by the bank or any bank affiliate.

TIPS TO SAFEGUARD YOUR IDENTITY

Tip 1. Remove your name from pre-screened credit offers at www.optoutprescreen.com or call 1-888-567-8688.

Tip 2. Add your telephone number(s) to the National Do Not Call Registry at www.donotcall.gov or call 1-888-382-1222.

Tip 3. Remove your name from individual Direct Mail Association Member mailing lists at www.dmachoice.org.

Tip 4. Place an alert on your credit file if you believe you have been affected by identity theft. Call 1-800-525-6285 or visit www.fraudalerts.equifax.com.

Tip 5. Request your free credit report through www.annualcreditreport.com or by calling 1-877-322-8228.

Tip 6. In addition to contacting credit Bureaus, request a credit report and place a fraud alert at www.innovis.com. Click on the Personal Services tab to get a credit report and place an alert on your file.

Tip 7. To receive free email reminders to renew your fraud alerts and reorder your credit reports, register your email address at www.IDProtectMe247.com

Tip 8. Avoid carrying Social Security cards, birth certificates or passports and extra credit cards. If you carry a health care card and your Social Security number is used as your ID number, ask if it can be changed.

Tip 9. Protect your debit and credit cards by registering them at www.IDProtectMe247.com.

Tip 10. Avoid using unsecured mailboxes. Promptly remove mail from your mailbox. Deposit outgoing mail containing personal information at your local post office. If you can't pick up your mail, contact the U.S. Postal Service at 1-800-275-8777 or www.usps.gov to request a vacation hold.

Tip 11. Stay informed by visiting the Identity Theft News Center at www.IDProtectMe247.com.

Tip 12. Select intricate passwords - don't use information that is easily available like your birth date, your mother's maiden name, phone number, or the last four digits of your Social Security number. Don't store passwords in your phone or carry them in your purse or wallet.

Tip 13. Shred your mail and important document when disposing of bank statements, credit cards bills, convenience checks, pre-approved credit offers, insurance statements and other documents that may contain personal information.

What if you have been impacted by Identity Theft?

If you have been affected by identity theft, a specialist will be available to assist you right away. Simply call the IDProtect Service Center at 1-877-610-7889 or you may call the insurance company directly at 1-888-716-5437. Please have your insurance certificate available when calling.

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