IDENTITY YOURSELF AND YOUR Fulfillment ...

PROTECT

I DE NTITY YOURSELF AND YOUR

CHASE IDENTITY THEFT TOOL KIT

At Chase, we work hard to pro v help prepare you for whatever h

Convenient Reference for Important Contacts:

Chase Identity Theft Center of Excellence: 1-888-745-0091 identitytheft

Chase Deposit Customers 1-800-935-9935 Chase Mortgage Customers 1-800-848-9136 Chase Auto Loan Customers 1-800-336-6675 Chase Auto Lease Customers 1-800-227-5151 Chase PFS Clients 1-800-216-2700 Brokerage Clients 1-800-392-5749

CREDIT BUREAUS Equifax 1-800-525-6285 Experian 1-888-397-3742 TransUnion 1-800-680-7289 TeleCheck 1-800-710-9898 Certegy 1-800-437-5120

Federal Trade Commission Identity Theft Information To learn more about identity theft, visit the Federal Trade Commission consumer Web site at idtheft, or call 1-877-438-4338 United States Postal Service online at Postalinspectors. US Secret Service Find the field office near you at

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vide customized tools and information to happens in your evolving financial life.

We've prepared this guide to help you defend against identity theft. Use it to learn more about identity theft and the choices you can make to better protect yourself. It can also help you take action, with the help of your Fraud Specialists, to reclaim your identity if identity theft should occur.

UNDERSTANDING IDENTITY THEFT

How Identity Theft Happens No matter how careful you are about protecting your personal information, no one is completely safe from identity theft. Skilled thieves, like pickpockets, burglars and computer hackers, have many ways (both lowand high-tech) to get hold of your important data and use it for their own benefit.

Thieves can obtain your personal information in many ways. They can use the Internet by:

? Sending you an email, which appears to be from a reputable company, asking you to respond or go to a Web site and provide your personal information. This practice is known as "phishing" (pronounced "fishing"). These emails may also contain fraudulent phone numbers to call to provide personal information ? called "vishing."

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UNDERSTANDING IDENTITY THEFT

How Identity Theft Happens (Continued)

? Setting up a bogus Web site that looks like a legitimate site and asks you to provide personal information. This practice is known as "spoofing."

? Redirecting your browser's request for a legitimate Web site to a bogus location that resembles it to collect information ? known as "Pharming."

? Hacking, or using techniques to install malicious programs on your computer to capture your keystrokes and network traffic in order to steal personal information including user IDs and passwords.

? Stealing your laptop or smart phone to use any unsecured data to discover passwords and access accounts.

To help protect yourself, install anti-virus software on your computer. Make sure it scans your computer regularly and be sure to keep it up to date. Choose the latest operating system for your computer, and set it to make updates automatically.

Remember: No legitimate representative of JPMorgan Chase will ever ask you for your PIN or password via email communication.

Even without the internet, thieves can gain access to your information:

? They can steal wallets and purses containing your identification, credit and bank cards.

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? Thieves can steal your mail, including your bank and credit card statements, pre-approved credit offers, telephone calling cards and tax information.

? They can complete a "change of address form" to divert your mail to another location.

? Thieves can rummage through your trash, or the trash of businesses, for personal data in a practice known as "dumpster diving."

? They can fraudulently obtain your credit report by posing as a landlord, employer, or someone else who may have a legitimate need for ? and a legal right to ? the information.

? Thieves can find personal information in your home.

How Identity Thieves Use Your Personal Information

Once someone has your personal information, there are many ways they can use it without your knowledge:

? They can call your credit card issuer pretending to be you and ask to change the mailing address on your credit card account. The imposter then runs up charges on your account. Because your statements are being sent to the new address, it may take some time before you realize there's a problem.

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UNDERSTANDING IDENTITY THEFT

How Identity Thieves Use Your Personal Information

(Continued)

? Thieves can open a new credit card account using your name, date of birth and Social Security number. When they use the credit card and don't pay the bills, the delinquent account is reported on your credit report. ? They can establish phone or wireless service in your name. ? Thieves can open a bank account in your name and write bad checks on that account. ? They can forge counterfeit checks or debit cards and drain your bank account. ? Thieves can buy cars by taking out auto loans in your name.

PROTECTING YOURSELF

How To Prevent Identity Theft

At Chase, we're committed to working with you to protect your personal information. We believe that one of the best ways to fight identity theft is to prevent it from happening in the first place. Here are some easy things you can do to prevent someone from stealing your important information.

Carry only what you need. The less personal information you have with you, the better off you will be if your purse or wallet has been stolen. For example, carrying your Social Security card with you is rarely necessary.

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Don't put outgoing mail in or on your mailbox. Thieves may use your mail to steal your identity. Drop your mail into a secure, official Postal Service collection box.

Report lost or stolen credit cards immediately. Call each credit card issuer and ask to have the stolen card accounts closed and new ones opened to replace them. Remember to update any automatic payment accounts with your new account numbers. Don't preprint personal information on checks. Your checks should not have your driver's license, telephone or Social Security numbers on them.

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PROTECTING YOURSELF

How To Prevent Identity Theft (Continued)

Report lost or stolen checks immediately. If you have Chase banking accounts, Chase will block payments on the check numbers involved. Also, review new checks to make sure none have been stolen in transit. Review your account for counterfeit checks. Make sure the checks that clear the bank were written by you.

Be alert to telephone scams. If you are called, be wary about providing personal information. Notify the appropriate financial institutions of any suspicious phone inquiries made in their name asking for account information to "verify a statement" or "award a prize."

Store cancelled checks safely. This applies to your new or unused checks as well.

Be careful with your ATM and credit card receipts. Thieves can use them to access your accounts. Never throw away receipts in a public trash can.

Guard your Personal Identification Numbers (PINs) and Passwords. Don't write your PIN on your ATM or credit cards and don't keep your PINs with your cards. Don't create PINs or passwords using information that can be guessed easily (birthdays, addresses or pets' names). Don't share PINs or passwords with friends or family. Change your passwords often.

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