IMPORTANT NOTICE - TELEPHONE SCAM ALERT

January 2008

Tyndall Federal Credit Union has been alerted that people are receiving automated phone calls and e-mails that claim to be from Bay Bank & Trust.

For example, one message is about debit card security enhancements and asks you to activate your card by the end of January 2008. It instructs you to call 877-476-9133 and follow the prompts.

Another call informs you that your scheduled bill payments have expired and asks you to call a certain number to re-activate them.

Please be aware that these calls are NOT LEGITIMATE - they are not from Bay Bank & Trust!

Although these calls and e-mails did not involve Tyndall Federal Credit Union, we feel that it is important to advise our Members about them. The scam artists who make such calls and send such e-mails use the names of many different credit unions; the scams are not isolated to any particular credit union. Tyndall Federal wants to remind all its Members that no reputable credit union or business will EVER call you unexpectedly to ask for your personal account information. If you receive a request for this type of information, you should refuse to provide it.

Any person who has provided such information in response to a phone call or e-mail should immediately contact his/her credit union. Tyndall Federal Members may call our Member Service Center at (850) 747-4300 or 888-896-3255, toll-free.

For your information and protection:

Members who have a Tyndall Federal Credit Union Visa Credit Card or Check Card are protected with state-of-the-art fraud detection tools.

Behind the scenes, individual transaction activity is monitored to detect a wide range of credit and debit card fraud. If unusual or suspicious activity occurs on your card, you may receive a call from a person who says he/she is calling on behalf of Tyndall Federal. Sometimes, this call may be an automated message. The representative asks if you are the primary or secondary cardholder. In order to verify that you are, in fact, the cardholder, the representative asks you for the last 4 digits of your Social Security Number. The representative NEVER asks for your entire Social Security Number, nor does he/she ask you for any account, card number, or PIN information.

The purpose of the call is to simply verify that you did authorize the recent transaction activity that appeared on your card. The representative may ask you the amount of a particular transaction or the store through which the purchase was made.

On any legitimate fraud detection call on behalf of Tyndall Federal, you will never be asked to provide your account number, Social Security Number, credit or debit card number, PIN, etc.

If you receive a call asking for specific account or card information, do not provide it...just hang up.

If you receive any unexpected call from someone claiming to be from Tyndall Federal and you are concerned that it may not be legitimate, please call us at (850) 747-4300, or 888-896-3255 toll-free.