Protecting Your Credit and Identity Is Crucial.
That’s Why First Heritage Bank Features PrivacyAdvantage.

Keeping your personal credit rating accurate and preventing identity theft are more important than ever in today’s world. Your personal information and identity can be exposed to the potential of fraud and identity theft on a daily basis. Now you can protect yourself with PrivacyAdvantage, a new program offered by First Heritage Bank to safeguard your good financial standing.

PrivacyAdvantage helps you understand your credit report and credit score, alerts you to possible identity theft and provides recovery assistance, should you need it. The program enables you to take all the right steps to avoid becoming an identity theft victim.

Join PrivacyAdvantage and gain:

• Credit File Monitoring – Your Equifax credit file is monitored each business day for any signs of suspicious activity such as new inquiries, address changes and new charge accounts opened in your name. You receive e-mail or first-class mail notification of any significant or suspect changes.
  

• Credit Report and Score – You receive a copy of your up-to-date Equifax credit report or, at your option, a merged, three-bureau credit report that includes items such as: credit summary, account information, creditors’ contact information, identification, address and employment information, and analysis of the positive and negative factors that affect your personal credit score.
  

• Quarterly Credit Updates – Every quarter you automatically receive a detailed summary of important changes to your credit files, along with an updated credit score. This report notifies you of new accounts, inquiries, address and identification changes, balance changes over 20 percent, closed accounts, status improvements, items removed and credit limit increases. Also included is a new credit score with a side-by-side comparison of previous scores so you can track and compare progress.
  
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• On-line Credit Analyzer – This Website tool lets you create “What if?” scenarios by changing one or more credit variables to see how this may affect your credit worthiness.
  

• Identity Theft Recovery Unit – If identity theft is detected, dedicated Consumer Fraud Specialists will guide you through all of the steps necessary to restore your credit profile. They proactively contact all three credit reporting agencies on your behalf to place a Fraud Statement on your file. They also provide assistance with filing credit report disputes and contacting the affected creditors and law enforcement agencies. You also receive a helpful ID Theft First Aid Kit.
  

• $10,000 Identity Theft Insurance – You receive, at no additional charge up to $10,000 in financial reimbursement with no deductible for certain expenses, should you fall victim to identity theft. These include lost wages, notary and certified mailing costs, loan application fees, and phone charges incurred to deal with the fraud.
  
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PrivacyAdvantage is an inexpensive way to safeguard your good name and financial standing. The cost is just $8.00 per month, which is conveniently debited from your checking account. To join the program, ask a First Heritage banker for an enrollment form.

All member benefits of PrivacyAdvantage are subject to certain limitations and restrictions as described in other informational materials from any First Heritage banker.

Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provision. Availability of coverage can depend on underwriting qualifications and state regulations. Coverage not available for residents of New York.