Be careful when clicking on links in emails – If you get an email that urges you to click on a link, even if it appears to be from a company you trust – be weary. Hover your mouse over the link to verify that the link is sending you where you think it is. Watch out for small variances in spelling. For instance, someone might send you to “arnazon.com” instead of “amazon.com” because “rn” can easily be mistaken for an “m.” If you are unsure if a link is safe, go directly to the website by searching for the company on Google or typing in the URL.

Do not open attachments in emails – Stop and think before opening attachments in any emails, even ones that appear to be from a trusted company. Were you expecting this email? Are you able to verify the content of this email by going to the company’s website instead of opening the attachment?

Be careful giving out personal information and verify the authenticity of requests from companies by contacting them directly – If a company asks for your personal information in any form, stop and think. Would they really be asking for this information over the phone or in an email? Go to the company website (not through a link – use Google or type in the URL), call the number listed, and have them verify the request before giving out any information.

Set secure passwords – Do not use the same password for every site. If a hacker guesses one, they now have them all. Do your best to set

secure passwords that you can still remember. For example, instead of using the password “cookies” use “C0ok!e$.” A combination of upper and lowercase letters, numbers, and symbols make a password harder to guess.

Keep your devices updated – Updates usually fix bugs that have been found since the last update to make sure that you are always protected. This practice is especially important with smartphones, computers, and anti-virus software when you are using those devices to make purchases and do banking online.

OCTOBER 2019

In This Issue 2. CEO Message || 3. Liberty Mutual || 4. Get Involved

5 Tips to Protect Yourself from Cyber Attacks

expanding

Horizons

Helpful TipAll of Patriot’s checking accounts come with a Patriot debit card, which is protected by various security features. Put your mind at ease knowing that your hard earned money is being guarded from cyber-attacks by:

• Verified by VISA• Patriot’s fraud protection• Chip-enabled technology• Card controls – which allow you to disable

your card or mark it as lost or stolen from your smartphone, 24/7/365.

Patriot’s credit cards also offer many of these same security benefits, so you can rest assured that you are covered from all sides. Call us at 888-777-9982, visit our website, or stop into one of our 9 branches to learn more!

2

A Message from the CEOAs we enter the final quarter of 2019, activities begin to increase for everyone. Fall brings a new school year, new sports calendars, and families begin planning for the upcoming holidays. For Patriot, it’s the end of our 2019 budget and the beginning of our 2020 budget planning season.

In the next few weeks we’ll begin deploying new “SMART ATM’s”. SMART ATM’s allow you to pick your own denominations for cash withdrawals and in time, will allow for

loan payments and additional transactions. Additionally, SMART ATM’s will begin to replace existing ITM’s. While some members have come to love our ITM’s, their costs are

high and member adoption has been slow. And SMART ATM’s are gaining penetration by the largest banks in the country. Patriot is among the first financial institutions to gain access to this newer technology with the STAR Network, our third party ATM driver.

In 2020, Patriot will focus on improving our digital products and services. We anticipate the final plan will enable card control capabilities on your personal computers in eBranch - complimenting last quarter’s card controls add-on to your mobile phones, and improving on-line account opening and lending options. I encourage you to give us feedback and suggestions because membership is important (as owners) your opinions matter.

Finally, I’d like to discuss the pace of change. Patriot understands that change isn’t without hiccups. We continue to focus on better ways to implement changes in order to limit inconveniences for our members. Yet everyone understands that change remains the only constant. While change seems to be accelerating, cyber security threats continue to evolve. Accordingly, Patriot must remain vigilant. Recently we turned off most mag-strip transactions for purchases where the card is present; relying on EMV chip technology. EMV technology has significantly reduced petty fraud and counterfeit cards across the world. But e-commerce sales are defined by purchases where the card isn’t present, where fraud trends are increasing. Accordingly, Patriot added 3D Secure protection and we continue to work towards machine learning and artificial intelligence security, as these new technologies become available. Patriot wants members to know that protecting your identity and financial transactions (however you choose to transact your business) is very important to us!

Thank you and have a blessed Thanksgiving and joyous Christmas.

Brad R. Warner, President & CEO Patriot Federal Credit Union

ATM Upgrades:As communicated in our previous newsletter, in an effort to provide a seamless member experience, we will begin upgrading our ATMs in a phased manner later this fall. This may result in temporary outages to various ATMs. The following machines are scheduled for October upgrades:

• Wayne Avenue lobby: Effective October 5, the ATM/Interactive Teller Machine (ITM) in the Wayne Avenue branch vestibule will be removed. After that date please visit the Wayne Avenue lobby or drive thru for teller services during regular business hours. For ATM services, please visit the ATMs in the Wayne Ave drive thru.

• Lincoln Way East: Both existing ATM/ITMs will be removed effective October 7. A new, upgraded Smart ATM will replace one of the old ATM/ITMs on October 7. The other machine will be replaced on October 22. These Smart ATMs will offer upgraded** ATM services, but will not offer teller services. For teller services, please visit the lobby or the new drive thru window, which will be operational beginning October 7, during regular business hours (i.e., Monday – Friday: 10:00 AM – 6:30 PM and Saturday: 8:00 AM – 1:00 PM)

We regret any inconvenience due to these transitions and look forward to continuing to serve you. Please visit https://www.patriotfcu.org/atm-upgrades to learn more about ATM upgrades in your area.

** The new Smart ATMs will have the ability to dispense denominations of your choice (i.e., $5, $10, and $20), as well as accept member deposits.

3

Liberty Mutual Get Your Home Ready for Winter, Even If You’re Not

As winter approaches, it’s time to make sure that your home is protected from the cold, and that your heating system and fireplace are prepped and primed to keep you cozy.

WindowsSealing your windows is a good way to improve your heating efficiency and to make sure you’ll stay warm. It’s advisable to do this before freezing temperatures hit, as ice-cold windows are tougher to seal properly. Using window seals in conjunction with layered curtains helps keep your home insulated for optimal comfort. Draft snakes are long pillows that block cold air and also help insulate doors and windows.

FireplaceHiring a chimney sweep can ensure that your fireplace is ready to go. In addition to clearing out soot, they will also check for damage and should also change the chimney cap in order to prevent rain and snow, birds, squirrels or anything else from entering.

FurnaceNothing will give you the winter blues like turning on your furnace only to find it isn’t working. To prep your furnace, first check and change your filter. Next, anything stored near the furnace or on or in front of air ducts and return vents may be a fire hazard or block air circulation, and should be removed. Lastly, you may need to contact your gas or oil provider for a furnace refill.

RadiatorsIf your home is heated by hot-water radiators, you should bleed the valves by opening them until water starts to appear and then closing them again. This will release trapped air and let hot water heat the radiator and home.

Liberty Mutual makes winter claims quick and easy by connecting with you live via video with RealTime Review. Visit https://www.libertymutual.com/claims-insurance/claims-home/video-estimating for more information on how to get an estimate using video chat. And contact your agent to learn more about contractor referrals, damage mitigation and accommodation support.

Shana Mickle 570-980-6094 Shana.mickle@libertymutual.com

*Auto Insurance Program is made available through TruStage Insurance Agency, LLC and issued by leading insurance companies. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify. Discounts are not available in all states and discounts vary by state. A consumer report from a consumer reporting agency and/or motor vehicle report will be obtained on all drivers listed on your policy where state laws and regulations allow. Please consult your policy for specific coverages and limitations. The insurance offered is not a deposit, and is not federally insured, sold or guaranteed by your credit union. Your credit union enables this insurance program to be offered and is entitled to compensation from TruStage.

*Annual Percentage Yield (APY) of 2.50% on 30 month Certificate for the $10,000 - $24,999 tier. Other rates and tiers are available with a minimum opening balance of $1,000. Rate effective 9/1/19 and is subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 30 months at the prevailing rate. Not valid with any other offer. Must be a member. THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION

* Annual Percentage Yield (APY) of 2.50% on 30-Month Certificate for the $10,000 – $24,999 tier. Other rates and tiers are available with a minimum opening balance of $1,000. Rate effective 9/1/19 and is subject to change without notice. The APY assumes that all interest remains on deposit until maturity. Withdrawals and fees could reduce earnings. Substantial penalty for early withdrawal. At maturity the certificate will automatically renew for a term of 30 months at the prevailing rate. Not valid with any other offer. Must be a member.

THIS CREDIT UNION IS FEDERALLY INSURED BY THE NATIONAL CREDIT UNION ADMINISTRATION

Call 888-777-9982 or visit patriotfcu.org to learn more.

30-MONTH TERM2.50% APY*

FALL SPECIALCERTIFICATE

Your Opportunity to Get InvolvedPatriot Accepting Applications for Volunteer Positions

We are seeking qualified candidates to apply for volunteer positions on the credit union’s Board of Directors and supporting committees. Interested candidates must have been a member of Patriot for two or more years, or served in an official capacity with another credit union, and possess or demonstrate the following qualifications:

g Organizational Skills g Future Oriented g Planning Abilities

g Areas of knowledge, experience or interest pertinent to the credit union’s future

g Commitment of time and self to fulfill the responsibilities and duties of a credit union volunteer, as outlined in the Volunteer Recruitment Kit.

Interested parties may request a Volunteer Recruitment Kit by mail or pick one up at the 800 Wayne Avenue office in Chambersburg. The deadline for applications is November 12, 2019. Candidate biographies will be published in the April 2020 member newsletter. The election will be held at Patriot Federal Credit Union’s 2019 Annual Meeting.

Patriot in the CommunityPatriot team members recently attended the Chambersburg High School Parents Night, Career Magnet School Parents Night and Chambersburg Middle School North Parents Night, to help answer questions about student accounts, our student branch and other financial services available to Patriot members.

Patriot was a proud sponsor of the 2019 Duck Derby in September. Patriot employees volunteered on the day of the event by setting up tents, tables, selling tickets, duck wrangling in the creek, etc. Event proceeds helped support Chambersburg downtown revitalization efforts.

Our Patriot ladies got very muddy for a good cause. They ran a 5K mud run and obstacle course to

support the programming at Girls Incorporated of Washington County, MD.