Hometown Advantage

Last year alone, more than 9.9 million Americans were
victims of identity theft, a crime that cost them roughly $5 billion.

Don't be a victim! Sign Up for Hometown Advantage to take advantage of benefits like Identity Watch®, *Accidental Death Insurance,
Prescription and Eyewear discounts and many other valuable benefits.

Our most valuable service for one low monthly fee!

SECURITY BENEFITS

Identity Watch®

• Identity Watch® is the first line of defense against identity theft. Key benefits include:
  • An application to receive a credit report.
  • Ongoing credit file monitoring and early-warning system with notification when there's a change posted to the credit status.
• Comprehensive Victim Assistance:
  • Victim assistance kit sent by express mail with full instructions and helpful documents for actions that need to be taken.
  • Credit file flash messages to alert suspicious activity.
  • Assistance in filing a police report to create a legal record of the complaint.
• Emergency aid to include cash and airline tickets.
• Recovery plan:
  • Up to $1,000 reimbursement for certain costs incurred in clearing your customer's name.
  • $1,000 cash reward for information leading to the conviction of perpetrators.
• Extensive legal assistance.
  • A toll-free legal help line with connection to an attorney in the area.
  • Legal document preparation - up to three standard legal documents, such as notarized affidavits and dispute letters are prepared free of charge.
  • Free initial legal consultation - 30 minutes of professional counseling are available at no charge.
  • Reduced rates: a 25% discount on additional legal counseling is available.
  • One fast call is all it takes to speed the assistance plan into action

*Accidental Death & Dismemberment Insurance

• Single Account
  • $10,000 Accidental Death & Dismemberment Insurance (divided equally among joint owners)
• Joint Account
  • $30,000 Accidental Death & Dismemberment Insurance (divided equally among joint owners)
  • $1,500 AD&D on each child

Protect Your Cards^SM

• Register all your credit cards and debit cards with our convenient protection service.
• If your cards are ever lost or stolen, simply call the toll-free number and all the necessary arrangements will be made to have your registered cards cancelled and reissued immediately.
• This service eliminates your legal liability against card loss up to $5,000 per incident.

*The insurance benefit is provided through the Sisk Association of which Municipal Bank is a sponsor. Premiums are paid from the general revenue received from this program. You are enrolled as a member of the Sisk Association when you sign the Membership Agreement. Insurance in this account is subject to policy eligibility, terms, and exclusions. Insurance is not insured by the FDIC or any other Federal Government Agency. There is no financial institution guarantee, and it is not a deposit.