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Colonial Virginia Bank Defends YOU Against the Effects of Identity Theft    5,065 identity theft complaints were reported in Virginia in 2010! With an identity stolen every 2 minutes or less, will you be the next victim?*   When you have a personal checking account with Colonial Virginia Bank, you have access to fully managed identity recovery services.  You can rest assured that if you suspect identity theft for any reason, you�ll be assigned a professional Identity Recovery Advocate who will work with you one-on-one to analyze your situation and work on your behalf to restore your identity � no matter how long it takes.   Want to be more Proactive? Upgrade your coverage!   Be warned if someone is using your good name. IDSafeChoice Plus provides a total protection package, including the benefit of fully managed identity recovery, plus: �         Identity Protection Awareness test and newsletter �         Annual Experian Credit Report �         Continuous Monitoring of Credit Activity � including daily email alerts of suspicious activity �         Expense Reimbursement** - up to $25,000 for expenses incurred for identity recovery, with zero deductible and including up to $6,250 per week in lost wages �         Toll-free Identity Theft Victim Hotline   You can receive all of the benefits of IDSafeChoice Plus for only $5.95 per month, and extend coverage to your entire family for only $4 more per month.   To enroll, contact your local branch office or click here! https://cvabank.merchantsinfo.com     * FTC Consumer Sentinel Fraud Report, February 2011   **Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc.  The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described.  Please refer to the actual policies for terms, conditions, and exclusions of coverage.  Coverage may not be available in all jurisdictions.  Here are some simple ways to you can protect yourself against identity theft: �        First and foremost is education and awareness-be alert for the latest scams and how to prevent becoming a victim �        Do not just throw documents containing personal information in the trash (such as statements, canceled checks, credit card bills, etc.)-shred them �        Protect the sensitive information contained in your wallet, checkbook, and other items at all times �        Never write down PIN numbers, if you do, do not keep them with the card they belong to �        Take outgoing mail to the Post Office, or put it in a USPS drop box �        Check your credit report often (1-2 times a year)-a small fee can save you a huge problem down the road �        Always sign credit card immediately �        Balance your statements �        Pay close attention to new charges on your credit card bill �        If you receive a questionable call, tell the caller you are busy and ask what number you can reach them back on.    You are entitled to a free annual credit report from the three major credit reporting agencies: Annual Credit Report Request Service P.O. Box 105281 Atlanta , GA 30348-5281 www.annualcreditreport.com 1-877-322-8228 Unlike other sites that offer a "free" credit report, this is an opportunity for consumers to get a copy of their report from each of the three agencies without any charge or obligaton.   Contact information for the three major credit reporting agencies   Equifax Credit Information Services P. O. Box 740241 Atlanta, GA 30374-0241 Phone: (800) 685-1111 www.equifax.com Experian P. O. Box 2104 Allen, TX 75013 Phone: (888) 397-3742 www.experian.com TransUnion Corporation P. O. Box 1000 Chester, PA 19022 Phone: (800) 916-8800 www.transunion.com   If you feel you are a victim of identity theft, contact anyone that you have a financial relationship with, including banks and credit card companies, and the police.  Keep a written record of everything related to the incident and all people/companies you contact.   The Federal Trade Commission has an identity theft hotline 877-438-4338 and a website www.ftc.gov  that is a very useful tool for consumers.   OnGuardOnline.gov - A link that provides practical tips from the federal government and the technology industry to help you be on guard against Internet fraud, secure your computer, and protect your personal information. FBI Fraud Alerts - A link to the FBI site dedicated to alerting the public about common fraud scheme  IDSafechoice Plus Credit Monitor    If you have any questions regarding identity theft or any other concerns you may have, please call Colonial Virginia Bank at 804-695-9300.

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