IMPORTANT - PLEASE READ - Updated August 16, 2011: Please watch out for an email scam that claims to be from someone you know stating that they need funds sent via various means such as western union because they have been mugged, their vehicle has broken down, or their purse/wallet has been stolen. This is a scam and you should not send funds based strictly on an email.

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NOTICE OF CHANGES IN TEMPORARY NCUA INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a ‘‘noninterest-bearing transaction account’’ are insured in full by the National Credit Union Administration through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to members under the NCUA’s general share insurance rules.

The term ‘‘noninterest-bearing transaction account’’ includes a traditional share draft account (or demand deposit account) on which the insured credit union pays no interest or dividend. It does not include any transaction account that may earn interest or dividends, a negotiable order of withdrawal (‘‘NOW’’) account, money market deposit account, and Interest on Lawyers Trust Account (‘‘IOLTA’’), even if share drafts may be drawn on the account. For more information about temporary NCUA insurance coverage of transaction accounts, visit www.ncua.gov.

(This notice applies to Free Checking Accounts and Student Checking Accounts)

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UPDATED November 1, 2010: We have been made aware that a phishing scam is being conducted. The scammers are sending text messages stating that accounts are being blocked. These text messages are NOT from the Indianhead Credit Union and should be deleted upon receipt. If you have any questions, please feel free to contact us.

UPDATED October 28, 2010: We have been made aware that a phishing scam is being conducted. The scammers are emailing individuals stating their account has been suspended and they require further information. The emails are using the Indianhead Credit Union's logo and phone number to make it appear authentic. These emails are NOT from the Indianhead Credit Union and should be deleted upon receipt. If you have any questions, please feel free to contact us.

UPDATED August 12, 2010: We have been made aware that a phishing scam is being conducted. The scammers are calling individuals stating that their debit card has been deactivated and asking that the card number and pin number be entered to reactivate the card. This is a scam; please do not enter any information. Your Indianhead Credit Union cards have not been deactivated. If you have any questions, please feel free to contact us.

DO YOU KNOW WHAT A PHISHING ATTACK IS? A phishing attack is when someone calls you or sends you an email, phishing for information, in this case your debit card or ATM card number and pin number. On Sunday Indianhead Credit Union was one of many financial institutions in the Northeastern United States that was a victim of a phishing attack. Many residents, members and non-members, in Washburn County and Burnett County were called in this phishing attack. When residents were called; the caller (a computer) was identified as coming from Indianhead Credit Union. The caller stated that their debit card or ATM card was blocked because of fraud and they needed to input their card number with their pin number. As soon as the crooks have this information, they will start making fraudulent transactions against the account. Indianhead Credit Union does not make calls on Sunday or make calls to non-members. Also, Indianhead Credit Union would never ask for your card number, if y ou are a member we already have that information, and under no circumstances would we ask for your pin number. It is important that if you receive a call like this, DO NOT GIVE ANY INFORMATION, HANG UP AND CALL THE CREDIT UNION AT 635-8273 OR 1-800-645-9391 and tell the staff what happened. Anyone who gave them their card number needs to contact the credit union or call the fraud line at (800) 264-5578 that is also listed on our web site to have their card closed and identify any fraudulent transactions. The member does not suffer any losses because of a fraudulent transaction. An ounce of prevention is worth a pound of cure, do not respond to phone calls asking for information such as account numbers and do not respond to an email that is asking you to verify information. If you have any questions, please feel free to contact us.

Thanks for visiting Indianhead Credit Union, where we strive to give you excellent, professional and confidential service with a small town touch. With a mission of providing you with a full range of financial products to meet your needs and assist you in building wealth, Indianhead Credit Union looks forward tobeing your partner for many years to come!