1st Capital Bank
www.1stcapital.bank
831.264.4000

Salinas | Monterey
King City | San Luis Obispo
IN THIS ISSUE
News for shareholders, clients and friends of 1st Capital Bank
President’s Message

Capital Achiever – 
Mirna Hills

EVERFI Financial Literacy Program

Welcome, Anita Robinson!

Protect Yourself from Card Skimming
Bank Notes
Member FDIC
FALL 2018
We are pleased to introduce you to our new newsletter in an upgraded, digital format. We hope you enjoy our re-imagined quarterly updates on news, events and general goings-on here at 1st Capital Bank. We were thrilled to announce that Anita Robinson has joined the Bank this month as the Market President in San Luis Obispo County. Anita is well known in San Luis Obispo as a former community bank CEO and a board member of both key industry and philanthropic organizations. You can learn more about Anita on page 4 of this newsletter. One of the initiatives we have been working on here at the Bank is improving the health and well-being of our employees. We strive to be an employer of choice on the Central Coast and value our team and their dedication to the company and its success. We have formed a Wellness Committee, a group of employees dedicated to their own well-being and that of their coworkers. The committee publishes resources and plans events to alleviate stress, create healthy food and exercise habits, and support each other in their wellness objectives. To follow the employees on their journey, follow us on Facebook. Another important and ongoing initiative we are working on is to provide you information regarding information security and tools to protect yourself from fraud. Identity theft and fraud continue to be evolving threats. FICO® recently reported a 10% increase in compromised debit cards in the U.S. in 2017. These numbers are significant, and we believe it’s important as your bank to provide you with the information and tools you need to protect yourself. That’s why we offer products like the CardValet® mobile app, which lets you set transaction parameters and alerts for your debit card activity at no cost. Expect to see more information on security from us in the future. We will be publishing a security newsletter on our website each month, providing tips in our quarterly newsletters, and posting short videos on our Facebook page. We’re in this together, and our goal is to inform and educate our customers on what types of fraud are out there and provide products that give you the information you need, 24/7, to monitor and control your accounts with us.
President’s Message
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Capital Achiever – Mirna Hills
Mirna Hills is the best kind of community banker. She’s not just extremely knowledgeable about all things banking, always available and attentive to her clients – she also has a deep love for community and philanthropy. For these reasons and more, Mirna is the recipient of 1st Capital Bank’s second quarter Capital Achiever Award. One of Mirna’s passions is Relay for Life, the annual walk/fundraiser for the American Cancer Society. Mirna’s involvement with Relay for Life began soon after Sam Linder brought Relay for Life to Salinas in 1998. Her mother, Adelina Vega, had been diagnosed with cancer in 1984. Mirna attributed her mom’s 15-year remission to the drug Tamoxifen and the cancer research funded by the American Cancer Society. Her mom lost her battle to cancer in 1999. That same year was the first year Mirna became a Relay Team Captain. Mirna is now one of three team leads for Salinas Relay for Life, in charge of logistics, hospitality and entertainment. The event has raised $14 million for the American Cancer Society since its inception and was ranked #7 out of 4,600 events nationwide in 2017. So far in 2018, they have raised over $500,000 – of which $7,700 was raised by the 1st Capital Bank team. Over her 20-year career with Relay, Mirna has personally raised over $30,000 for the cause. We are incredibly proud to have her on our team.
In the 2017-2018 academic year, five Monterey County high schools offered an interactive, web-based financial literacy curriculum sponsored by 1st Capital Bank. The program has reached over 300 students and delivered over 1,400 hours of financial education. The bank has committed to continuing the program through 2019 and hopes to reach at least 500 more students in the 2018-2019 academic year. 
Administered by teachers in a classroom setting, the online course created by EVERFI, Inc. offers over six hours of instruction on a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401(k)s and other critical concepts that map to national financial literacy standards. The platform uniquely tracks the progress and performance of every user, further helping to set students on a path to financial security and success. 
1st Capital Bank’s partnership with EVERFI, Inc. brings the program to local students at no cost to the schools or the taxpayer.
EVERFI Financial Literacy Program
“As an educator, I am always in search of new and up-to-date material to facilitate my instruction. The EVERFI program was an excellent addition to my Business and Economics class. The information was relevant and gave each of my students a clear image of reality regarding money management. 1st Capital Bank has provided a quality program that I know will guide my students toward financial literacy.†– Patrick Smith, an agricultural educator at King City High School
Welcome, Anita Robinson!
We are excited to announce that Anita Robinson has joined 1st Capital Bank as Market President for San Luis Obispo County. Ms. Robinson has been a prominent banking leader in the San Luis Obispo County market for nearly 30 years. A 40+ year banking veteran, she has held the position of President and CEO of several community banks in the area, including Commerce Bank of San Luis Obispo, Mission Community Bank, and Coastal National Bank. Most recently, she has served as Market President for Bank of the Sierra. Ms. Robinson has served on several banking industry boards including being the first woman to chair the California Bankers Association. She has served on the board of both the California Independent Bankers and Pacific Coast Banking School. She is a former Chairman of the Community Action Partnership of San Luis Obispo County (CAPSLO), Founder and President/CEO of Mission Community Services Corporation (MCSC) Woman’s Business Center, and current President of the Cuesta College Foundation. In 2017 she was awarded the Citizen of the Year by the San Luis Obispo Chamber of Commerce and was presented the Women in Banking award by the California Bankers Association. You can contact Anita at anita.robinson@1stcapitalbank.com or 805.592.2038.
Card skimming is a very real threat in our area. Skimming works by replacing a card reader like an ATM or gas pump terminal with a camouflaged counterfeit card reader. The counterfeit reader records all of the data on the magnetic strip of a credit or debit card as it passes through the skimmer. This information, copied onto another blank card's magnetic stripe, is then used by an identity thief to make purchases or withdraw cash in the name of the actual account holder. Here are a few simple tips to keep your card secure. 1. Go inside to pay if you can. Skimmers are typically installed at unmanned, outside terminals. 
 2. Make sure the point-of-sale terminal is in a well-lit area with high traffic. Thieves need to access the terminal inconspicuously to install a skimmer. A busy, well-lit terminal is less likely to be compromised. 
 3. Jiggle the card reader. Skimming devices are designed to be removable; real card readers are not. Jiggle the card reader. If it moves, don’t use the machine. 
 4. Check for security stickers. Some gas stations have security stickers on their pumps. If the seal has been tampered with, the words "Security Seal" will be faded, and you’ll see the word VOID on part of the red tape.
 5. Cover your hand when you type your PIN. Thieves sometimes use a concealed camera to capture PIN numbers. Cover your hand as you type your PIN to block the view of any hidden cameras. 
 6. At gas stations, use a credit card with a chip. Debit cards compromised by skimming may give thieves the ability to withdraw cash from your bank accounts. With credit cards, your exposure is limited to your credit card limit. 
 7. Keep an eye on your account transactions. Reporting fraud promptly is very important. Many card companies offer text or email alerts for transaction thresholds so you can monitor your transactions as they happen. 1st Capital Bank’s debit card app, CardValet®, offers transaction alerts by location, merchant type, transaction type and/or transaction amount limits. To download the app, enter CardValet in the search field of your app store. 
 If you believe your 1st Capital Bank debit card has been compromised, please call 1.800.472.3272.
Card Skimming Simple Tips for Protecting Your Card Information
