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Dear Member,

First of all, let me take this opportunity to wish each and everyone a Happy New Year.  Thank you for your business.  We appreciate the confidence and trust you have placed in us.

I would also like to thank those who have been so generous this past year.  Your donation to the Children's Miracle Network, The Boys and Girls Club of Kingman "POWER UP Program" and more recent the necessity drive for the displaced students at Kingman High School have been very much appreciated.  Times are tough and for some even tougher.  Your donations are critical in helping make a difference in the lives of our youth.

Again, thank you.


Anne M. Riley
Chief Executive Officer


What  Consumers Should Do When They Become Identity Theft Victims

Restoring a person's accounts and credit reports once he or she becomes a victim of identify theft can be an extremely frustrating and time-consuming process.  The non-profit Identity Theft Resource Center estimates that the average victim spends 600 hours over several months to a year resolving the issues that derive identity theft.

An identity theft victim should contact a number of organizations that have an impact on credit ratings and security, including creditors and lien holders.  The Federal Trade Commission offers an Affidavit of Identity Theft that can be notarized and then sent to creditors and agencies.

Early contact should be made with the three major credit reporting bureaus:

Equifax Experian TransUnion
Report fraud: Report fraud: Report fraud:
1-800-525-6285 1-888-397-3742 1-800-680-7289
Order a credit report: Order a credit report: Order a credit report:
1-800-685-1111 1-888-397-3742 1-800-916-8800
P.O. Box 740241 P.O. Box 1017 Fraud Victim
Atlanta, GA 30374-0241 Allen, TX 75013-0949 Assistance Department
    P.O. Box 6790
    Fullerton, CA 92834





Phishing is a technique used to gain personal information for purposes of identity theft, using fraudulent “spoofed” e-mail messages that appear to come from legitimate businesses.  These authentic-looking messages are designed to lure recipients to “spoofed” websites which attempt to trick the individual into divulging personal financial data such as credit card numbers, account user names and passwords, social security numbers, etc.



  • E-mails requesting personal financial information
  • E-mails that are not personalized with your name
  • E-mails that sound overly dramatic, extreme, or urgent
  • E-mails or websites that look unprofessional, often with misspellings and missing images



  • Bank Account Scam: An e-mail from what appears to be your bank or credit union inquiring about changes to your account.
  • IRS E-Audit Scam: An e-mail from what appears to be the IRS encouraging you to complete a questionnaire within 48 hours to avoid penalties and Interest.
  • Expired Credit Card Scam: An e-mail from what appears to be your Internet Service Provider asking you to update credit card information.
  • Employment Site Scam: An e-mail that appears to be a wonderful job opportunity.  You are asked to complete an application that includes your social security number.



  • Do not click on links within suspicious e-mails.
  • Delete the e-mail.  No company will ever e-mail you asking you to verify personal information on-line.
  • Log into your on-line accounts on a regular basis.  Keep an eye on your account activity and watch for anything suspicious.
  • Make sure an on-line application or form is secure before filling in your personal/financial information.  Look for the “lock” symbol on your browser and check your browsers address bar – it should be “https://” rather than just “http://”.





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