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    Letter to our Customers


    November 14, 2006


    Bloomfield State Bank Debit Cardholder:


    Bloomfield State Bank has added a new debit card transaction monitoring security feature to your debit card.  This new feature is the Falcon Network, and it will help us immediately detect when a cardholder has possible fraudulent activity occurring on their debit card.


    The Falcon Network software allows for real-time monitoring of all transactions made by you and it will learn what transactions are considered normal for you. During this process each transaction is assigned a score for potential fraud alert and compared to your transaction history patterns (scored 1 thru 999; where 999 is considered the most fraudulent).  If a transaction is attempted that is out of your normal transaction pattern, the software will recognize it as possible fraudulent activity.  A representative of Bloomfield State Bank will call you at the phone number we have on file to verify you authorized the transaction in question.  The representative will introduce themselves as being a member of Bloomfield State Bankís Security Department.  If you cannot be reached, the representative will leave a message regarding the transactions case number as well as a call back number.  If we cannot reach you one of our analysts will review the transactionís case and use their best judgment in the decision of denying potential fraudulent activity.  In the event your debit card was determined to show fraudulent activity, you can contact us anytime going forward to change your debit cardís status back to active or to order a new card number.


    The addition of the Falcon Network to our software systems is just another security feature for your accountís protection.  If you have questions during normal business hours, please contact:


                                        Kerri Frye

                                        Bloomfield State Bank

                                        EFT Services

                                        (800) 319-6110


    At anytime, cardholders may contact our Debit Security Departmentís 24 hour hotline:

                                                    Debit Security Department

                                                    Bloomfield State Bank

                                                    (800) 500-1044





    William B. McNeely


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    Bloomfield State Bank
    48 N. Washington
    Bloomfield, IN  47424