Murphy Bank Merger

Debit Cards for Current Debit Card Holders During the week of April 14, watch for your new Murphy Bank MasterCard debit card to arrive in the mail. You may activate your card by calling the number listed on the label affixed to the front of the card. At this time, you will also select your 4-digit PIN. Although the card can be activated, it will not be operational until April 25 at 5:00 p.m.

Murphy Bank Fraud Monitoring & Alerts Murphy Bank is utilizing a debit card fraud-monitoring system to further protect our customers from debit card fraud. This system will guard your card from potential debit card fraud 24 hours a day, 365 days a year. If potential fraud is detected, the customer will be contacted via an automated telephone call. Transactions may be temporarily blocked until verification is completed. It is extremely important that you take time to update your phone number and address information with Old Towne Bank (prior to April 25) or Murphy Bank (after April 25). Current information will enable us to reach you as quickly as possible in the case of a fraud alert. The greeting for these calls will state: “This is the Fraud Detection Center calling to verify recent transactions on your Murphy Bank ATM/Debit Card account. If this is please press 1, if not press 2.” If you indicate by pressing 1 that you are the named cardholder, a verification of your 5-digit mailing zip code will follow. You will be able, by answering a series of questions, to let us know if the transaction in question is fraudulent. If

it is, the card will be blocked so that no other transactions can be authorized against your account. If you verify the transaction is a valid transaction, no further action will be required. If we try to reach you and cannot, we will leave a message with the toll-free telephone number to call us back, date and a personal 6-digit message code needed for the representative to locate the transaction in question. Murphy Bank will never request any unsolicited personal or account information by email, through the website or during a fraud monitoring call. Please do not give out any personal or account information via the internet, email or phone to any party that you do not believe to be legitimate. If at any time, you think your Murphy Bank MasterCard debit card has been compromised by potential fraud, loss or stealing, please call any one of our six locations during normal business hours. If we are not open, please call 1-800-554-8969 immediately.

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