SecurLOCK Communicate

In our continued efforts to protect you, our customer, we are pleased to offer a fraud alert management system for credit card holders through SecurLOCK Communicate. This system helps ensure your security by sending you text messages and/or phone calls* and emails asking you to confirm if suspicious transactions are valid. We'll only ask you to verify if the transaction(s) are valid. We won't ask for account or personal information. Please be sure you have the most current telephone number, cell phone number and email address on file with us to avoid any delays in notification from the fraud management system. Contact our Customer Care Team at (800)482-1314 or fill out the Contact Us form to ensure your contact information is current.

*Standard rates and fees from your wireless carrier may apply.

We have calls only going out during certain hours so cardholders aren’t being called after normal waking hours. Emails will be sent 24 hours. Texts will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone.* Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone. Texts and voice calls pending from the night before will be triggered the following morning at the applicable time noted. Agents are available 24/7.

*Standard rates and fees from your wireless carrier may apply.

All you need to do is respond back to the SMS text alert with the word STOP.* U.S. consumers who have service through AT&T, Verizon, Sprint and T-Mobile will not be charged message or data rates for our fraud alerts. We absorb that cost for you.

*Standard rates and fees from your wireless carrier may apply.

We're unable to send text or phone calls internationally, but please make sure your email address is current as we can always email you 24 hours a day 7 days a week.

We have already included you in these enhanced services as part of our fraud protection services.

Transactions that we have identified as potential fraud trigger the alerts.*

*Standard rates and fees from your wireless carrier may apply.

The majority of suspected fraud accounts will be blocked, just as they are today. However, some lower risk items may not be declined.

Yes, though please keep in mind that it could take 5 –10 minutes for a block to be removed in some situations.

Yes, if you contacted us to indicate you will be traveling during a specific timeframe, a travel note will be placed on your account for that timeframe and transactions will be processed as they are today. We highly recommend contacting us if you plan on traveling to ensure you are not inconvenienced. Please remember our goal is to stop fraud, and fraud may still be present during your travel dates.

Once the alert is updated in our fraud system, you can attempt the transaction again, usually within 5 –10 minutes of the initial call/text/email to validate activity.

The system will accept many common typo variations of the "yes" or "no" text message response. If the system cannot understand what was typed, it will generate a message to call a representative for help.*

*Standard rates and fees from your wireless carrier may apply.

No.

Communicate alerts are not configured through a mobile app, but rather through our fraud systems. The standard order of engagement is:

• Text
• Voice Call
• Email

Alerts generated overnight result in an email only until calling and texting hours are available. Texts will be sent from 7:00 a.m. to 10:00 p.m. in the cardholder’s time zone. Calls will be sent from 8:00 a.m. to 9:00 p.m. in the cardholder’s time zone.*

*Standard rates and fees from your wireless carrier may apply.

Communicate actions are triggered by today’s existing fraud alerts through the Falcon system. If a mobile phone is on record, a text alert will be triggered first. All numbers on record that are identified as a mobile phone will be utilized. Communicate has technology that allows it to determine if a phone number is a mobile or land line, so indicators within the processing platform are not required. If we do not receive a response to the text(s), the system sends an automated voice call asking you to confirm if authorizations are valid or unrecognized. If you select "Not Recognized," the call is transferred to an agent to confirm the fraudulent transaction(s). If there is no response to the text or voice call, an email is sent requesting that you confirm the transactions are valid.*

*Standard rates and fees from your wireless carrier may apply.