This agreement outlines the terms of the different types of deposit accounts indicated below. We have described each account by comparing and contrasting it with the others. As you read down the list, you will notice changes in interest routines and in the terms of withdrawing funds on deposit. Since not all sections of this agreement apply to all types of accounts, we have noted any exceptions.
A checking account is a non-interest bearing account from which available funds on deposit can be withdrawn on demand by presenting a properly drawn check.
A savings account is a market rate, interest-bearing account from which available funds on deposit can be withdrawn by presenting a properly completed withdrawal request form to one of our tellers. Savings Accounts are subject to the transfer limitations disclosed below.
Transfer Limitations (Fees may apply) Unlimited if:
• Done in person, by messenger, by mail or at an ATM
• Between accounts of the same depositor at the same Bank, if done in person, by messenger, by mail, or at an ATM
• To pay loans at the same Bank
Up to (6) transfers a month permitted to another account of the depositor at the same Bank or to a third party if by preauthorized, automatic or telephone agreement.
Note: If transfer limitations are exceeded we may close your account. There may be transaction fee charges associated with the account. Refer to Bank’s “Banking Services and Fee Schedule”.
A NOW account is a market rate, interest-bearing account from which available funds on deposit can be withdrawn by presenting a properly drawn negotiable instrument called a “negotiable order of withdrawal” (abbreviated NOW). It is the negotiable order of withdrawal which gives this account its name. Eligibility for NOW accounts is limited to individuals, sole proprietorships and not-for-profit organizations.
A money market account is a market rate, interest-bearing account with limited draft writing privileges. Current federal regulations limit the number of drafts/transfers written on this account to a total of six per month including transactions by check, debit card, or similar order payable to third parties. If you exceed the monthly limit of six third party drafts/transfers, we may close your money market account, return your drafts unpaid, and/or charge you a special item fee.
Note: For the sake of convenience, we will also call a negotiable order of withdrawal drawn on your NOW Account, or a draft drawn on your money market account a “check” in this agreement.
Time deposits, whether evidenced by certificate or statement, are subject to the same terms as savings accounts, with the following exceptions:
1. Time deposits withdrawn prior to their maturity date are subject to penalty as set by the Bank.
2. The Bank reserves the right to review each time deposit on or before maturity and determine whether or not the deposit will be renewed at the same or at a changed interest rate or paid back to the customer as a matured deposit. Any changes must be with prior notification to you.
These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records.
This type of account is owned by one person.
This type of account is owned by two or more persons. Each of you intends that upon your death the balance in the account (subject to any previous pledge to which we have consented) will belong to the survivors. If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common.
This type of account is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal.
Payable-On-Death accounts may be created if the account is owned by one or more persons. Revocable Trust accounts may be created by accounts with one or more owners. If two or more of you create a Revocable Trust account, you own the account jointly with survivorship. Beneficiaries of either of these account types acquire the right to withdraw only if: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of the owner(s) of the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either a Pay-On-Death or Revocable Trust account reserve the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the deposit at any time.
We will require a separate authorization form designating the person(s) permitted and condition(s) required for withdrawal from any account in the name of a legal entity such as a corporation, partnership, LLC, or other organization. We will honor such authorization according to its terms until it is amended or terminated in writing by the governing body of such organization.
You agree, for yourself (and the person or entity you represent if you sign as a representative of another) to the terms of this account and the schedule of charges. You authorize us to deduct these charges directly from the account balance as accrued. You will pay any additional reasonable charges for services you request which are not covered by this agreement. We will be responsible and liable only for our own lack of good faith and our failure to exercise ordinary care in handling items for collection, deposit, or withdrawal in accordance with applicable laws. We shall not be liable for clerical error or oversight or an honest mistake of judgment.
Each of you also agrees to be jointly and severally (individually) liable for any account shortage resulting from charges or overdrafts, whether caused by you or another with access to this account. This liability is due immediately, and can be deducted directly from the account balance whenever sufficient funds are available. You have no right to defer payment of this liability, and you are liable regardless of whether you signed the item or benefited from the charge or overdraft. You will also be liable for our costs to collect the deficit as well as for our reasonable attorneys’ fees, to the extent permitted by law, whether incurred as a result of collection of in any other dispute involving your account including, but not limited to, disputes between you and another joint owner; you and an authorized signer; or a third party claiming an interest in your account.
We may waive any of these provisions, but the waiver will only apply on that occasion.
You can make your deposits in person, by mail, by outside depository, through an ATM or by direct deposit. We are not responsible for transactions by mail or outside depository until we actually record them. We ask you to use the personalized, preprinted deposit slips when depositing in person, by outside depository, or by mail. We may establish minimum amounts for deposit to any accounts.
If you deposit a check, draft, bond, coupon or other non-cash item, we have the right to receive payment for it and credit it to your account before we make the money available to you. This kind of deposit is cleared when we present it to the bank it’s drawn on and they pay us its value. If there are special fees for collecting your deposit, you promise to pay them.
We specifically reserve the right to refuse, limit or return your deposit.
If, in connection with a direct deposit plan, we deposit any amount in an account which should have been returned to the Federal Government for any reason, you authorize us to deduct the amount of our liability to the Federal Government from the account or from any other account you have with us, without prior notice and at any time, except as prohibited by law. We may also use any other legal remedy to recover the amount of our liability.
Unless clearly indicated otherwise on the account records, any of you, acting alone, who signs to open the account or has authority to make withdrawals may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person who signs or has authority to make withdrawals to endorse any item payable to you or your order for deposit to this account or any other transaction with us. You agree that, as to any item that we have no opportunity to examine the signatures, such as an electronic check conversion transaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation, you waive any requirement of multiple signatures for withdrawal. If the Bank is presented with an item drawn against your account that would be a “substitute check” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. If the check, draft, or instrument contains contradictory terms, the words prevail over numbers.
Federal regulations provide that we must retain the right to require at least 7 days notice prior to any withdrawal from a savings account, money market account or NOW account. If we tell you that we require 7 days notice, we will not pay your funds until expiration of that notice period. Although we usually pay withdrawals or checks without notice, our doing so does not mean that we give up this right.
Note: Check writing privileges are not available with savings accounts or time deposits.
We may pay any checks or other items presented against your account without regard to the date of the item. No special instructions or conditional terms placed on any item drawn against an account shall be binding upon us unless specifically agreed to by us in writing. Unless we have specifically agreed otherwise in writing with respect to a specific item, we are under no obligation to verify the date of the check or other item, and you authorize us to pay the check or other item and debit your account for the amount, even if the check or item is presented for payment prior to the date written on the check or item. In the alternative, we may, in our sole discretion, return the post-dated check or item. We will not be liable to you or any payee if we return a post-dated check or other item, or if we pay the check or item, unless we have specifically agreed in writing otherwise.
We are not obligated to, but may at our option, pay a check (other than a certified check) presented for payment more than 6 months after its date. If you do not want us to pay a stale-dated check, you must place a stop-payment order on the check.
Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example, checks). The circumstances in which interest will not be paid, the frequency of interest posting, and any applicable early withdrawal penalty are set forth in our Banking Services and Fee Schedule. The Bank may increase or decrease the interest rate and annual percentage yield (APY) on all open-ended deposit accounts. All adjustments of interest rate and APY will be at the Bank’s discretion and will not necessarily be predicated on the change in any published rate or index. Notification of interest rate and APY adjustments will be made by posting in common areas of each Bank facility or location.
This rule replaces or supersedes all previously published or disclosed rules relating to interest rates on open-ended deposit accounts. Open- ended deposit accounts mean a deposit other than a time certificate of deposit. We may elect to pay higher rates of interest for higher balance levels and different rates for deposits into different accounts.
We use the daily ledger balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
The Bank uses a credit reporting agency to verify previous banking relationships. If the information received results in the Bank’s refusal to open an account, you will receive the name and address of the reporting agency. The Bank will report closed accounts it reasonably believes to have been mishandled by the customer.
You agree to pay the service and fee charges that may be imposed under this agreement and to pay any additional charge we may impose for services requested which are not contemplated by this agreement whether caused by you or another authorized to use the account. The current Banking Services and Fee Schedule which applies to your account is available upon request. These service and fee charges are subject to change at any time in accordance with the Amendment section of this agreement. We may deduct any service and fee charges from your account.
We’ll send you a statement of your account and your imaged checks (if applicable). If you have an account where checks are truncated (Bank safe keeps checks) you will not receive your imaged checks. Except where the Bank fails to use ordinary care in paying checks or drafts with forged signatures, the depositor shall hold the Bank harmless for forgeries that cannot be detected by the Bank through normal banking procedures, including but not limited to facsimile signatures, desktop publishing or other computer generated or aided signatures, positive pay arrangements where presentment is made through computer modem, checks and drafts truncated at another collecting institution, and situations where the Bank, consistent with the practice of other banks in the industry, does not scrutinize depositor’s signatures.
You must notify us of an unauthorized signature or alteration within a reasonable time (not to exceed 30 days) after we send or make available to you your statement and checks. If you do not notify us (1) you cannot assert the unauthorized signature or alteration against us even if we are unable to show a loss due to your failure and, (2) you cannot assert any unauthorized signatures or alterations by the same wrongdoer on checks paid by us after the reasonable time mentioned above elapses, but before we receive your notice. We lose these protections if we fail to exercise ordinary care in paying a check with an unauthorized signature or alteration, unless you do not notify us of the problem within 60 days of when we send or make available to you the statements and checks. You agree to examine your statement with reasonable promptness for any other error (e.g., erroneous statement entry, missing signature, unauthorized endorsement, encoding error, etc.) within 60 days of when we first send or make the statement available. Failure to examine your statement and report any such errors to us within 60 days of when we first send or make the statement available precludes you from asserting a claim against us for any such error on items identified in that statement and, as between you and us, the loss will be entirely yours. You must also report any other account problem (e.g., erroneous statement or passbook entry, missing signature, unauthorized endorsement, etc.) within this 60-day period or lose your right to assert the problem against us.
We’ll resolve the problem by reviewing all related documents and the official Bank records on your account.
If your statements are returned because of an incorrect address, we’ll suspend further mailing until we receive a correct address. We reserve the right not to send statements on accounts we consider inactive.
If you truncate an original check and create a substitute check, or other paper or electronic image of the original check, you warrant that no one will be asked to make payment on the original check, a substitute check or any other electronic or paper image, if the payment obligation relating to the original check has already been paid. You also warrant that any substitute check you create conforms to the legal requirements and generally accepted specifications for substitute checks. You agree to retain the original check in conformance with our internal policy for retaining original checks. You agree to indemnify us for any loss we may incur as a result of any truncated check transaction you initiate. We can refuse to accept substitute checks that have not previously been warranted by a bank or other financial institution in conformance with the Check 21 Act.
Unless specifically stated in a separate agreement between you and us, we do not have to accept any other electronic or paper image of an original check.
If you don’t want us to pay a check you’ve written, you can request us to stop payment. You can notify us by mail or phone. Your stop payment order takes effect when our bookkeeper records it on your account and after sufficient time has elapsed to notify all of our bank teller areas. When this happens, we’ll send you a confirmation. You agree that acceptance of a stop payment order by the Bank does not mean that the check has not already been paid or that we have sufficient time to act on the stop payment order. Our stop-payment cutoff time is one hour after the opening of the next business day after the business day on which we receive the item. Additional limitations on our obligation to stop payment are provided by law (e.g., the Bank paid the item in cash or the Bank certified the item.) Your written stop payment order will be effective for 6 months. If your stop payment order is by phone, you must confirm it in writing on a form provided by us. If you don’t we’ll remove it after 14 days. Your stop payment order must include your account number, the number of your check and the exact amount. We cannot be responsible for stop payment orders with incorrect information. In the event you wish to release a stop payment order, we need written authorization from the person who initiated the stop payment. We will charge your account for a stop payment order.
If this is a joint account, we’ll accept a stop payment order from any owner regardless of who signed the check. A stop payment order will not be effective on a cashier’s check or check previously certified or paid by us or on any check for which a cashier’s check was issued.
The Bank may place a “HOLD” for Uncollected Funds when you make a deposit that includes checks and/or drafts. This may happen if the check being deposited (1) is for a sizable amount or an amount larger than the balance in your account; (2) is drawn on another bank, branch, or financial institution; (3) is issued by a person or organization not known to the Bank. If a hold is placed on a check you have deposited, the deposit will be immediately credited to your account; however, the funds will not be available for your use until either the check has had time to reach the bank on which it is drawn, and if necessary, be returned to your banking office, or, as state law requires us to credit your account. After the hold is released, the Bank may charge your account for returned checks, even if you have already used the funds. Checks drawn on foreign banks received in a deposit may be handled, at the Bank’s option, as if submitted by you for collection, and your account will be credited only when final payment is received.
If you write a check, complete an in-person withdrawal, ATM withdrawal, or other electronic means, as applicable, for more money than you have in your account, you will be overdrawn and we may assess a service charge for each overdraft whether returned or paid.
The Bank may elect to pay a check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable, in an amount which exceeds the funds you have in your account, but the Bank is under no obligation to do so, except for ATM and/or Debit card transactions. If the Bank elects to pay the check, in-person withdrawal, ATM withdrawal, or other electronic means, as applicable, each account holder agrees to reimburse the Bank immediately for the amount of the overdraft plus any service charge whether caused by you or another authorized to use the account. You agree we may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees.
If you don’t have enough money available in your account to cover a check you ask us to cash, we have the right not to cash it. We may also require reasonable identification to cash such a check, draft, or other instrument. We can decide what identification is reasonable under the circumstances and such identification may be documentary. If the check, draft, or instrument contains contradictory terms, the words prevail over numbers.
We may process items mechanically by relying on the information encoded along the bottom of the items. This means that we may not individually examine all of your items to determine if the item is properly completed, signed and endorsed. You agree that we have not failed to exercise ordinary care solely because we use an automated system to process items and do not inspect all items processed in such manner.
If we cash a check for you or accept it for deposit to your account and it is returned to us unpaid, we will charge your account for the unpaid check. The unpaid check may be mailed to you at the address shown on our records, and a service charge may be applied.
You each promise to give us the proper taxpayer identification number (social security number for individual or joint accounts) for each person listed on the account title. If you refuse to provide your taxpayer identification number, we may suspend your account privileges.
We may charge your account any debt you owe us, now or in the future, without going through any legal process or Court proceeding. If this is a joint account, we may charge the debts owed to us by any or all of you against the deposits of any of you. This right applies even if one or more of you are not obligated to us on the debt. This right applies to any debt we now own or hereafter acquire, and however it arises.
If your account becomes involved in legal proceedings, your use of it may be restricted.
You agree to pay all expenses including court costs and attorneys’ fees incurred by us on account of any summons, subpoena, garnishment, citation, attachment, levy or any other proceeding or dispute affecting or relating to your account. We may deduct any such expenses from your account.
Any or all of the joint owners can make deposits, withdrawals, pledge the account funds as collateral for any obligation whether that of an account holder or of a third party and engage in all other transactions in connection with this account whether the other joint owners be living or not unless otherwise designated on the signature card. You agree to release the Bank from liability and to indemnity the Bank from any loss, cost and damage in all respects in connection with any of the foregoing acts by one or more joint owners. All joint account holders agree to the Bank’s right of payment for any service charges or expenses due it under this agreement.
We have the right to endorse any checks, drafts, or other orders for the payment of money made out to any of the joint owners. Once endorsed we can deposit these items into the joint account. You can endorse items for deposit by using a stamp to show a general endorsement for the account.
Note: Once a joint account is opened, the owner cannot remove another from the title of the account.
You can close your account at any time for any reason subject to all balances being collected and all fees and service charges having been paid. We can also close the account at any time. If we do, we’ll mail you a notice and a check for the balance after deducting applicable fees and service charges to the address shown on our records. If you close your account within 6 months of the date you opened it, we may charge you a fee. If you request that your account be closed, or if you withdraw all of the funds in your account, we will close your account at the end of the statement cycle during which your account balance becomes zero. If you close your account before interest is regularly credited, accrued interest is not credited. We are not liable for any check, withdrawal, or other order after an account is closed. Checks received by the Bank after your account has been closed will be returned unpaid.
We may prohibit or restrict withdrawal from an account upon being notified of the death or incompetence of any account holder until all the obligations according to this agreement and the law have been met.
If you ask us to follow instructions that we believe might expose the Bank to claims, suits, losses, expenses, liabilities or damages, we may refuse to follow your instructions or may require a bond or other protections from you.
From time to time, we may amend this agreement. We will give you advance notice, as required by law, of any amendment affecting your account. We will give you this notice by mailing a copy of the amendment to you at your most recent address shown on our records. If you continue to use the account or keep the account opened after the notice of change, you will be deemed to have agreed to the changes.
Notice from us to the person designated for receipt of notices, or, in the absence of such designation, to any one of the holders of the account whether such notice is by mail to the address maintained with us for the account, by telephone or otherwise, shall constitute notice to all of you.
The written instructions you have given us as to your account will remain in effect until we receive written notice from you to change them and have a reasonable amount of time to act upon your request.
No sale, transfer, assignment, pledge or similar disposition of the credit balance in any account or any part thereof will be recognized by the Bank until after written notice of the transaction is accepted by the Bank.
If one year goes by after the date of the last activity on your checking, NOW, or money market account, or if two years goes by after the date of the last activity on your savings account, we’ll consider your account dormant. Your account is usually considered dormant if you have not performed at least one of the following activities: made a deposit or withdrawal, written to us about the account, or otherwise shown an interest in the account, such as asking us to keep the account active. Bank charges, interest payments, and automatic deposits and withdrawals are usually not considered activity. If we consider your account dormant, then we may:
- Charge dormant fees on the account in addition to regular monthly service charges
- Stop sending statements
- Refuse to pay items drawn on or payable out of the account
- Stop paying interest on an interest bearing account when it becomes dormant
If you re-establish contact with us, we do not have to reimburse the fees. If you haven’t used your account for five years and we can’t reach you by mail, Illinois law requires us to transfer it to the state as abandoned property.
All financial institutions are required to notify their depositors (pursuant to Illinois Senate Bill 137 as amended by Illinois State Bill 1526) of the adoption of a policy that the financial institution is not liable for deposits made in an outside depository until the deposit is actually recorded.
We are not required to honor any restrictive legend placed on checks you write unless we have agreed in writing to the restriction. We are not responsible for any losses, claims, damages, or expenses that result from your placement of these or other special instructions on your checks. Examples of restrictive legends placed on checks are “must be presented within 90 days” or “not valid for more than $1,000.)
Unless you make advance arrangements with us, we have no obligation to honor facsimile signatures on your checks, debit or transfer requests or orders. If we do agree to honor items containing facsimile signatures or a non-manual form of signature, you acknowledge that it is solely for your benefit and convenience. You accept sole responsibility for maintaining security over any device affixing the signature. Such signature will be effective as your signature regardless of whether or not the person affixing it was authorized to do so. We will not be liable for honoring any item that bears or purports to bear a facsimile signature or other non-manual form of signature. You must notify us immediately if you suspect that your facsimile or other non-manual signature is being or has been misused.
Like any standard check or draft, a remotely created check (sometimes called a telecheck, preauthorized draft or demand draft) is a check or draft that can be used to withdraw money from an account. Unlike a typical check or draft, however, a remotely created check is not issued by the paying bank and does not contain the signature of the account owner (or a signature purported to be the signature of the account owner). In place of a signature, the check usually has a statement that the owner authorized the check or has the owner’s name typed or printed on the signature line. For example, if a person provides an account number in response to a telephone solicitation, the telephone solicitor can use the account to issue a remotely created check to withdraw money from that account.
You warrant and agree to the following for every remotely created check we receive from you for deposit or collection: (1) you have received express and verifiable authorization to create the check in the amount and to the payee that appears on the check; (2) you will maintain proof of the authorization for at least 2 years from the date of authorization, and supply us the proof if we ask; and (3) if a check is returned, you owe us the amount of the check, regardless of when the check is returned. We may take funds from your account to pay the amount you owe us, and if there are insufficient funds in your account, you still owe us the remaining balance.
When you use your ATM or Debit Card to rent a vehicle or hotel room, or to make certain other purchases, the vehicle rental company, hotel, or other merchant (collectively, for purposes of this paragraph, the “merchant”) might initiate a debit hold on your deposit account at that time. Merchants may initiate debit holds for many reasons, including (but not limited to) satisfying any “security deposit” requirement agreed to by you with the merchant or ensuring that you have available funds in your account when you return the rented vehicle, check out of the hotel, or otherwise complete your purchase. Funds in your account that are subject to a debit hold will not be available to pay checks or other items, or for other withdrawals or transfer requests. If you provide your account number, ATM card or Debit Card to a person to complete a transaction, you authorize us to honor any debit hold or withdrawal requests from such person. We have no control over when a merchant “releases” any debit hold that you previously authorized. When a merchant does send us a request to release a debit hold, the released funds will not be available to you for withdrawal until we have had a reasonable opportunity to process the merchant’s instructions.
This agreement is subject to Article 4A of the Uniform Commercial Code-Funds Transfers as adopted in the state in which you have your account with us, or as adopted in New York if that state has not adopted UCC 4A. If you originate a fund transfer for which FedWire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. You agree to be bound by automated clearing house rules. These rules provide, among other things, that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit.
The Bank has an obligation to ensure that all aspects of inbound, cross- border transactions are in compliance with the Office of Foreign Assets Control (OFAC) regulations and to take appropriate steps to investigate, suspend, reject, block and report on transactions as necessary. From time to time, the Bank may need to temporarily suspend processing of a transaction for greater scrutiny or verification to the OFAC Specially Designated Nationals List. This action may affect settlement and/or availability.
To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. When you open an account, we will ask for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver’s license or identifying documents.
Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses in connection with the participation by others in unlawful Internet gambling.
If you notice suspicious or fraudulent activity on your account, contact our Customer Service Department at 847-622-8800 to advise us of the nature of the transactions. If necessary, we can restrict access to your account, change your account password, issue new ATM and/or Debit Cards, or close your account if there is evidence that your account has been the target of criminal activity. Below are some other steps you should take to protect your accounts:
- Contact the fraud department of each of the 3 major credit bureaus to report the identity theft and request that the credit bureaus place a fraud alert and a victim’s statement in your file. The fraud alert puts creditors on notice that you have been the victim of fraud, and the victim’s statement asks them not to open additional accounts without first contacting you.
The following are the telephone numbers for the fraud departments
of the 3 national credit bureaus:
You may request a free copy of your credit report. Credit bureaus must provide a free copy of your report if you have reason to believe the report is inaccurate because of fraud and you submit a request in writing.
Review your report to make sure no additional fraudulent accounts have been opened in your name or that no unauthorized changes have been made to your existing accounts.
- Contact any creditor where you have an account that you believe may be the subject of identity theft. Advise them of the identity theft. Request that they restrict access to your account, change your account password, or close the account if there is evidence that your account has been the target of criminal activity.
- File a report with your local police department.
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