At the Airport
Keep your belongings with you at all times and your purse or wallet on you. Don’t let anyone but uniformed airline personnel handle your luggage.
Leave expensive jewelry and valuables at home.
Add a colorful luggage tag or sticker to your bag so it’s easily identifiable.
On the Road
Become familiar with your travel route before you start. GPS devices and smartphones are lifesavers, but it doesn’t hurt to have an atlas as backup.
Park in well-lit areas, close to building entrances and walkways, and don’t leave anything in plain sight.
In the Hotel
Make sure your hotel room has a safe and use it. Only carry the items and cash you’ll need for the day.
Ask hotel staff about the neighborhood and areas
Before taking a cab, ask the staff about directions and estimated costs. Always use licensed cabs.
Out and About
Avoid any ATM that looks tampered with or has a loose or flimsy card reader. Always cover the keypad when entering your code.
In especially crowded areas, stay alert and keep your wallet in a zipped interior pocket.
Keep your bag organized so you can find your form of payment without having to do a distracted search.
Keep emergency numbers on you and take a photo of your wallet’s contents. If it’s lost or stolen, you’ll remember what was in there and be able to quickly block payments on cards or arrange for replacements.
SUMMER | 2018
It’s a good idea to sign up for First American Bank’s eBanking and download our mobile banking app for easy, secure access and account management while you’re away. Stay on top of your transactions by checking regularly for anything that looks suspicious – a smart habit to always have!
There’s nothing like a theft or safety incident to zap the fun out of a vacation. With some precautionary steps, you can keep your getaway carefree and safe:
Your community bank...
strong & independent.
Travel Safety Tips
For many, coming up with and remembering an 8- to 15-character password can be difficult. Top Dog PC Services, LLC has compiled the guidance below on how you can use phrases instead. Using phrases in your password has become popular as the minimum lengths continue to increase.
As a reminder, never write your passwords down. If you do need to store them, create a secured Excel or Word file and then secure that file with a good password. Don’t name your password file with an obvious name like “passwords.” Better still, install a good password manager like RoboForm or LastPass and use it to manage your passwords.
What’s the difference between a “password” and a “pass phrase”?
When you think of a password, people generally think of a word like “Password” or a string of random symbols,
such as “R*n]2eB%d,” or a combination of the two, such
as “P@s$w0rd.” Pass phrases, on the other hand, typically have spaces between words and are longer than the majority of passwords, thus providing extra protection against hackers.
Take a phrase you know and can remember and alter it with character substitutions. Examples of pass phrases include:
Gr3en EGg$ @Nd H@mmy!
My lizard eat$ 6 crickets daily
Mix peanuts & oil 2 make peanut butter
shopping@Macys 4 new furniture
2 much talking = big cell phone bill$
Why is a pass phrase better?
From the standpoint of password guessing or cracking, a
5- or 6-word pass phrase is roughly as strong as a completely random 9-character password. However, most people can remember a 6-word pass phrase much easier than a totally random 9-character password. Thus, with more likelihood that it will be remembered and less likelihood that it will be written down, the pass phrase provides better security to protect your computer systems against hackers or automated password cracking programs. Although some older systems might not be able to accommodate a password of phrase length, pass phrases should be used wherever technically feasible.
How can you make a really secure pass phrase?
Be creative, and make it personal to you. Here is
Use words from a poem, a line from a song or a familiar quote with lots of substitutions!
(e.g., Gr3en EGg$ @Nd H@mmy!)
Select a phrase that is more than 15 characters and at least four words long.
Stay away from common phrases or quotes if not
Mix short and long words and remember that sentences need not be intelligible.
Character substitutions and/or misspellings strengthen the pass phrase.
To create a strong password, you’ll need to use a combination of at least three of the following:
uppercase, lowercase, numbers and symbols.
Exclude some of the spaces between words.
Top Dog PC Services, LLC provides technology consulting services to companies in and around the Twin Cities. They keep networks running smoothly, compliance in check and their clients informed about changes in the technology that affects their industries. www.topdogpc.com (651) 217-1237
Get to Know Our “FAB” Employees
Looking for an easy way to expand or modernize your small business?
The U.S. Small Business Administration established the 504 Loan Program to help businesses purchase or expand commercial real estate and acquire equipment while preserving working capital. A 504 Loan puts such fixed-asset projects within reach for small businesses by requiring lower down payments and providing long-term, fixed interest rates.
You can use an SBA 504 Loan for:
Land and building purchases
Building construction, expansion and remodeling
Equipment and machinery purchases
Professional fees and soft costs (appraisals, attorney
504 Loans are typically structured with SBA providing 40% of the total project costs, a participating lender like First American Bank covering up to 50% of the total project costs, and the borrower contributing 10% of the project costs. Under certain circumstances, a borrower may be required to contribute up to 20% of the total project costs.
The 504 Loan Program offers your small business both immediate and long-term benefits, so that you can
focus on growing your success. Some of the top-level
Longer loan amortizations and no balloon payments
Fixed interest rates
Savings that result in improved cash flow
Featuring Burt Yardley VP Retail Banking
Residence: Hudson/North Hudson for 17 years and counting.
Time at FAB: Started at First American Bank in 2012.
Job Duties: Supervisor of the retail department, originate personal and business loans, open and service deposit accounts.
Community Involvement: Board President for Centers of Independent Living for Western Wisconsin and frequent Junior Achievement volunteer.
Family Man: I’m married, and my four daughters keep me very busy and have helped me work on my dancing skills (just finished my third year as a participant in the Hudson Dance Academy Daddy-Daughter Dance). We all enjoy taking family trips – I will drag them to a couple of sporting events a year, and the girls have been known to drag me to Disney on Ice. I also enjoy restoring my 1969 Corvette.
How long have you lived/worked in the community? I have been a Hudson/North Hudson resident for the past 17 years, and I am very fortunate to live and work in the same community. I’ve been in the banking industry for 11+ years, and for the past six years First American Bank has been my home away from home, giving me the keys to success to further my career. Currently, I am enrolled in the Graduate School of Banking at UW-Madison.
What is the best part about working at FAB? It has been invigorating getting to know the local business owners and community leaders while being at a community bank in a thriving community. Taking the time to learn about our local businesses and getting to know the people has created a strong bond between businesses and First American Bank. It is reassuring to know that this is a mission that FAB has and one I am excited to continue.
Grow Your Business with an SBA 504 Loan
Whether you want to apply for a new SBA 504 Loan or refinance your current commercial loan to take advantage of the 504 Loan’s low, fixed rates, First American Bank can help you take your business to the next level. Stop by and talk with us! We’ll walk you through the eligibility criteria and loan application requirements, as well as answer your questions.
2424 Monetary Boulevard, Suite 107
Hudson, WI 54016
We’re Here to Help
2424 Monetary Boulevard, Suite 107
Hudson, WI 54016
8:30 am to 5:00 pm, Mon.-Fri.
7:30 am to 6:00 pm, Mon.-Fri.
8:30 am to noon, Sat.
Toll Free: 877-537-0531
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