They are trying to steal my information and money!

Repeat it out loud. It's not to scare you, it's just to be alert. Fraud is becoming more common every day and the chances of it happening to you are high. By being alert you can avoid it.

Here are some tips to prevent fraud:

• Activate and monitor alerts on your account activity.
• Check your balances through Mobile Banking and Online Banking.
• Use SecurLOCK™ to activate and deactivate your cards instantly.

Whenever you change your online banking information, such as your e-mail address or mailing address, you will receive an automatic alert to the e-mail address on file.

When you make transfers, remember that you have the opportunity to cancel it before it is deposited into the other account.

The different types of fraud that are currently occurring come through:

• Phone calls
• Visits from a bank representative or law enforcement agent to your home.
• Emails or text messages with fake links to our website or one of our applications.

If the Bank contacts you, by phone, fax or e-mail, they will never ask you for information such as:

• Full social security number
• Online or mobile banking password
• Answers to online and mobile banking security questions
• PIN of your cards

If you receive a call from the Bank requesting this type of information, do not provide your information, hang up immediately and contact us through our chat at orientalbank.com or by calling 787.620.0000.

Most importantly, never share your information unless you are in the branch with us or you have called us. Always stay alert and make the scammer's job more difficult.

Other important things to know:

• As a security method if you change the information in your Online Banking account, including your email or mailing address, you will receive an automatic alert to your registered email from Oriental.

• If we see a suspicious transaction or one that is classified as possible fraud, we may send you an alert message by text, email or call; you must answer YES or NO to confirm whether the transaction was made by you. Remember that we will never ask you for your personal information.

If you suspect you may have been a victim of identity theft you can also:

• Contact the Federal Trade Commission ("FTC") through its website RobodeIdentidad.gov or by calling 1.877.438.4338 1.877.438.4338 for guidance on how to request fraud alerts on your credit reports and to report incidents of identity theft to the appropriate entities. You can also find identity theft protection guides.
• You can file a complaint with the nearest law enforcement agency and/or the FTC at consumidor.ftc.gov or by calling 1.877.438.4338 1.877.FTC.HELP (1.877.382.4357) or TTY 1.866.653.4261; if you believe your personal information was used improperly or without your authorization.
• In addition, you can obtain your credit report every 12 months, free of charge from each of the national credit bureaus (TransUnion, Equifax and Experian) through
  • Equifax: 1.800.685.1111 o equifax.com/personal/credit-report-services
  • Experian: 1.888.397.3742 or experian.com/help
  • TransUnion: 1.888.909.8872 or transunion.com/credit-help

Always stay alert so you can enjoy this time of year without worry.