Climber Monthly December 2018.pdf

Bank of the Sierra?sClimber Monthly | December 2018

ONLINE SHOPPING TIPS

BIG DAY DISPLAYS

SIERRA GRANT WINNERS

PLUS : PETS, THE QUIZ, AND MORE HALLOWEEN PHOTOS! IN OUR COMMUNITIES: MIXERS AND MORE

BANK NEWS

Pets of the Week

Sier ra

Jake

Ricky

Polly

NOTE: Select ions are chosen at random .

If you subm it a pict ure of a pet at one of our branches t hat makes our Pet post on Facebook , you w ill receive a f ree gif t card. If you subm it a video, you w ill receive t wo gif t cards!

BANK NEWS

Previous Pets of the Month/ Week

January Brando

February Lollie

March Binny

Apr il Whitney

May Rodi

June Sunshine

July Balder

August Buddy

Sept. 5 Bugs Buddy

Sept. 12 Chance

Sept. 19 A par rot!

Sept. 26 Jack

Oct. 3 Jenny

Oct. 10 Maggie

Oct. 17 Mer lot

Oct. 24 Puppy dr iver !

Oct. 30 Piper

CLASSIFIEDS

BANK OF THESIERRA CLASSIFIEDS

Do you have something for sale that you can't seem to get r id of? We've got you covered! Just follow these easy steps:

1. Send a picture of your item for sale to Marketing 2. Descr ibe the item in no more than 50 words 3. Please use News Gothic Std font in 8pt font size 4. Include the pr ice of your item 5. Include your contact information 6. Please limit your communication about any classified ads to lunch breaks or after work hours 7. Please email Marketing once your item has sold

BANK NEWS

BIG DAY DISPLAYS

"A big t hank you t o Magen Avalos f or her f abu lous display!!" - Joseph Acencio

Br anch 3 Lindsay

Br anch 27 Santa Paula

BANK NEWS

BIG DAY DISPLAYS Br anch 37 Ojai

Br anch 16 Baker sf ield River lakes

BANK NEWS

BIG DAY DISPLAYS

Br anch 28 Fi l lmor e

Br anch 22 Tehachapi Old Town

Caf é, cook ies and cider !

Br anch 34 Lompoc

BANK NEWS

BIG DAY DISPLAYS

Br anch 33 Pismo Beach

Br anch 38 Ventur a

Br anch 39 Santa

Br anch 10 Tular e

Bar bar a

BANK NEWS

BIG DAY DISPLAYS Br anch 29 Santa Clar i ta

The Gr inch!

Br anch 32 Ar r oyo Gr ande

BANK NEWS

Ha l l ow een !

Br anch 5 Visal ia Mooney

Br anch 13 Fr esno Palm

IN OURCOMMUNITIES

Harvest Festival Family HealthCare Network's first Harvest Festival was sponsored by Bank of the Sier ra/ Branch 1.

Br anch 1 Por ter vi l le Main

Over 750 people attended and over 200 pumpkins were distr ibuted to children.

IN OURCOMMUNITIES

Preschoolers ages 2-4 visited Branch 28 to learn about saving money!

Br anch 28 Fi l lmor e

IN OURCOMMUNITIES

Br anch 30 Sanger

Mr. & Ms. Sanger mixer

SIERRA GRANTS

Agricultural Customer Appreciat ion Luncheon Tu lare Count y Farm Bureau

Bank of the Sierra presented a Sierra Grant to the Tulare County Farm Bureau!

SIERRA GRANTS

Hanf ord Pol ice Act ivi t ies League

Supporting youth programs

Kings Count y Comm ission on Aging

Adult day care, emergency assistance, and more

Sonsh ine Preschool Newoutdoor

classroom/playground

SIERRA GRANTS

Por t er vi l le Un iver si t y Women Scholar sh ip Fund

Fundswill pay for students to attend the Tech Trek Science and Math Camp for Girlsat Fresno State.

SIERRA GRANTS

IN THENEWS

The C.R.E.W.

Exposing students to forestry, firefighting, and conservation careers

From the Vent ura Count y St ar: OJAI - Bank of the Sierra announced that it gave a total of $62,500 to 18 nonprofits, including one in Ojai, during thesecond quarter.

TheC.R.E.W. (Concerned Resourceand Environmental Workers), an environment-focused youth leadership and employment nonprofit program, will use the fundsfor itsRecruitment for Conservation Jobsand Careersprogram. Thebank said theprogramwill exposeat least 300 west Ventura County high school and college students to C.R.E.W. jobs and forestry, firefighting and conservation career paths.

For the full story, visit: vcstar.com/ story/money/ business/ 2018/ 09/ 06/ c-r-e-w-receives-grant-bank-sierra/ 1199709002/

COMPLIANCE

Shopping Onl ine Securel y

?Tis t he Season t o Be Caut ious The hol iday season is close upon us and soon mil l ions of people around the world wil l be looking to buy the perfect gif ts. Many of us wil l choose to shop onl ine in search of a great deal and avoid long l ines and impat ient crowds. Unfortunately, this is also a criminal?s favorite t ime of the year to commit onl ine or f inancial f raud. This month, we explain the dangers of shopping onl ine and ways you can protect yoursel f . While advances in EMV card technology have made l ife easier for consumers and card issuers, f raudsters are fol lowing the path of least resistance by shif t ing their at tent ion f rom POSt ransact ions to onl ine shopping. While POSor in-store f raud is down, card-not -present (CNP) f raud is on the rise. In 2017, nearly twice as many consumers had their cards misused in a CNP t ransact ion as they did at a store. CNP f raud or onl ine shopping f raud is when a criminal leverages stolen payment informat ion or f raudulent ly acquired card accounts to at tempt onl ine retail t ransact ions without the account owner's knowledge. Fake Onl ine St ores While most onl ine stores are legit imate, some are not ; they are fake websites set up by criminals. Criminals create these fake websites by copying the look of or using the name of wel l -known stores. They then use these websites to prey on people who are looking for the best deal possible. When you search onl ine for the absolute lowest prices, you may be directed to one of these fake websites. Remember, just because the site looks professional does not mean it?s legit imate. If something about the site sets of f warning bel ls, take t ime to invest igate. If you aren?t comfortable with the website, don?t use it . Instead, f ind a wel l -known website you can t rust or have safely used in the past . You may not f ind quite as great a deal or f ind that hot t icket item, but you are much more l ikely to end up with a legit imate product and a clean credit report . You can use these 6 steps to help avoid Fake Onl ine stores.

COMPLIANCE

6-step scam check

1. Web address: Check the domain name careful ly and never enter sensit ive data on non-HTTPs pages. This is usual ly indicated by a cl ickable padlock. 2. Price: Is the price far too low? Are you being asked to pay by bank t ransfer or wire t ransfer? Both are a warning sign. 3. Cont act us: Legit imate sites have nothing to hide, so if there?s no phone number or social media presence, be wary and do some more digging. 4. Copyright : Found at the bot tom of the screen, any copyright disclaimer should be up to date and show the legal brand name, never a URL. 5. Whois: Use whois.com to f ind out who owns the domain (this may be hidden) and when it was registered. Treat relat ively new sites with caut ion. 6. Bl ock malware: Microsof t SmartScreen and Google Safe Browsing should be on by defaul t to steer you away f rom sites reported as potent ial ly unsafe.

Your Comput er/Mobi l e Device

In addit ion to shopping at legit imate websites, you want to ensure your computer or mobile device is secure. Cyber criminals wil l t ry to infect your devices so they can harvest your bank accounts, credit card informat ion and passwords. Take the fol lowing steps to keep your devices secured:

COMPLIANCE

- If you have children in your house, consider having two devices: one for your kids and one for the adul ts. Kids are curious and interact ive with technology. As a resul t , they are more l ikely to infect their own device. By using a separate computer or tablet just for onl ine t ransact ions, such as onl ine banking and shopping, you reduce the chance of becoming infected. If separate devices are not an opt ion, then have separate accounts on the shared computer and ensure your kids do not have administ rat ive privileges. - Only connect to wireless networks you manage, such as your home network, or networks you know you can t rust when making f inancial t ransact ions. Using publ ic Wi-Fi networks, such as at your local cof fee shop, may be great for reading the news, but not for accessing your bank account . - Always instal l the latest updates and run up-to-date ant i-virus sof tware. This makes it much harder for a cyber-criminal to infect your device. Your Credi t Card Keep an eye on your credit card statements to ident ify suspicious charges. You should review your statements regularly, at a minimum at least once per month. Some credit card providers give you the opt ion of not ifying you by email or text messages every t ime a charge is made to your card or when charges exceed a set amount . Another opt ion is to have one credit card just for onl ine purchases. That way, if it is compromised, you can easily change the card without impact ing any of your other payment act ivit ies. If you bel ieve f raud has been commit ted, cal l your credit card company right away

and explain the situat ion. This is also why credit cards are bet ter for onl ine purchases than debit cards. Debit cards take money direct ly f rom your bank account , and if f raud has been commit ted, it can be far more dif f icul t to get your money back. PayPal is a wel l -known payment service that can be ut il ized instead of your credit or debit cards to avoid disclosing your card number to a vendor.

COMPLIANCE

Shopping Onl ine During t he Hol idays? Protect Your Money From Scams Duringtheholiday season,we tend tomakealot more purchasesonlinefor travel and gifts, so it?sespecially important tobevigi lant about protectingyour money. Herearesomeof themost common scamstowatch for: FakeWebsi tesand Apps. Scammersoften createfakewebsitesthat aresosimi lar to thesitesof popular retai lers, it easi ly tricks consumersintoprovidingpayment information. Thescammerstake your information and your money, but you never receivethe products. Scammershavealsodeveloped fakeappsthat contain malware.When you download theapp, themalwarestealspersonal information fromyour deviceor locksit, holdingit for ransomunti l you pay thescammers.Other typesof fraudulent appsask you to login usingyour social mediaor emai l accountsthat could expose your personal information for thescammerstosteal. Becareful of appsor websitesthat ask for suspiciouspermissions, such asgrantingaccesstoyour contacts, text messages, stored passwords, or credit ShoppingOnlineDuringtheHolidays?Protect Your Money FromScamscard information. Also, poor grammar or misspelled wordsin an apps?description or on awebsiteisared flagthat it isnot legitimate.

COMPLIANCE

Emai l Links. Avoid clickingon linksin unsolicited emai lsor emai ls fromunfami liar sources. Thelinksmay lead toan i llegitimatewebsite attemptingtoget you toenter your credit card or other personal information. Somelinksmay downloadmalware(malicioussoftware, such ascomputer viruses) toyour computer when you click on them that can steal your bankinginformation, includinglogin identification, passwords, and credit or debit card numbers. These emai lstypically look very simi lar toonessent by well-known retai lers, banks, and other entities. Beon thelookout for emai lsthat havetyposor other obvious mistakes. In addition, beskeptical of emai l attachmentsdescribed as coupons, rebates, or payment forms?they could includemalware. And avoid emai l offersthat seem?toogood tobetrue.?If an emai l promisespopular itemsfor freeor asurprisingly lowprice, it is probably ascam. Making Paymentson UnsecureSi tes. Beforepayingfor apurchase online,makesurethewebsiteyou?reon has?https?at thebeginning of itsURL with alock symbol: Thismeansthesitehasaprotected network connection.Websites with ?http?at thebeginningof theURL with no?s?aremore vulnerabletoattacksby scammerswhosteal credit card information by monitoringnetwork traffic. Alsobeawareof pop-upwindowsthat appear whi leyou areon awebsiteaskingfor your credit card information to receivecouponsor towin freeitems. Legitimate companiesdonot ask for your personal information for those purposes.

COMPLIANCE

Using Publ icWi-Fi to Shop or AccessSensi t iveInf ormat ion. Wirelessconnectivity, alsoknown asWi-Fi, allowsyour laptop,PC, or mobi ledevicetoconnect to theinternet without aphysical wire connection.Many restaurants, hotels, libraries, and other placesoffer freepublicWi-Fi,which isconvenient when you?reon thego. However, thesenetworksmay not besecure(sincethey either donot requireapassword or providethesamegenericpassword toall customersfor access)andmay exposeyour personal and banking information toscammerslookingtosteal names, social security numbers, and bank account numbers. Avoid usingpublicWi-Fi tomakepurchasesonline, login toyour financial accounts, or accessother sitesthat havesensitive information about you. It?salsoagood ideatostick with websitesthat have?https?encryption (discussed above)when in publicplaces. PackageDel ivery Conf irmat ion Scams. Thisscam isespecially popular duringtheholidayswhen peoplereceivegiftsthrough the mai l that they may not beexpecting. Thescammerscall or emai l claimingtobefrom theU.S. Postal Serviceor amajor shipping company and statethat you haveapackagewaitingfor delivery. To ensurethepackageismeant for you, you areasked toprovide personal information,which thescammerssteal tousetoopen credit accountsin your name. In responseto thisscam, theU.S. Postal Serviceexplained it doesnot call or emai l peopleand ask for personal information if thereisaproblemwith adelivery. Visit https://postalinspectors.uspis.gov/radDocs/ consumer/CrimeAlert-DoNotTaketheBait.pdf for moreinformation. Don?t let thesescamsdampen your holiday spirits. Instead, hereare precautionsyou can taketoprotect your money whi leshopping online:

COMPLIANCE

- In general, alwaysusedifficult-to-guess, uniquepasswordson every account. - If you?reusingshoppingapps, focusonly on official retai ler apps found on theretai ler?swebsiteor areputableappmarketplace, which offer stronger security. - Never provideyour credit card information unlessyou areon a securesite, showing?https?at thebeginningof theURL and the lock symbol. - Think about implementingtwo factor authentication on your accounts. Two factor authentication requiresyou toprovidetwo piecesof evidencewhen loggingintoan account. It presentsan extralayer of security tomakeit moredifficult for someonewho isn?t you to logintoyour account. For moreinformation, visit https://www.nist.gov/itl/tig/back-basics-multi-factor-authentication - Monitor credit card bi llsand bank statementsaswell asappand other onlinetransactionsfor unauthorized purchasesor withdrawals. Immediately contact your bank if you seeanything suspicious. In addition, youmay want toconsider signingup for alert services.Many credit card issuers, banks, andmobi leapp providersoffer servicesthat notify you about certain account activities, such asrecent loginsfromunrecognized devices. For more help or information, go to www.fdic.gov or call the FDIC toll- free at 1-877-ASK-FDIC (1-877-275-3342) . Please send your story ideas or comments to Consumer Affairs at consumeraf fairsmailbox@fdic.gov

TRAINING

Santa just had a GREATExperience at his local Bank of the Sierra branch and he is dabbing with excitement ! Now it?s your turn! Email your best branch dabbing photos to Training_Dept@bankof t hesierra.com no later than December 21 and your branch could win a CGX prize pack.

Just wondering... Customer conversat ions are a great way to provide an excel lent customer experience. Don?t know what to ask? Try ut i l izing an interest ing prop l ike a loaf of Wonder Bread at your desk or window. When the customer asks why i t?s there ask them i f they have ever ?wondered?about our great new promot ional Sierra Flex CD.

Did you know? The t raining department has a library full of great reference materials available to you. If there is a topic you would like to know more about please contact the t raining department and we will get you the informat ion you need to assist in your professional growth. Send your ideas The t raining department has been working hard al l year on some innovat ive f un and exci t ing new t raining programs f or 2019. But we woul d l ove t o hear f rom you about what you woul d l ike t o see! Pl ease emai l your comment s, suggest ions, and general t hought s t o t he t raining department and we wi l l do our best t o incorporat e your ideas.

TRAINING

Turkey Phot o Cont est

Br anch 28 Fi l lmor e

Br anch 19 Fr esno

Sunnyside

Br anch 20 Tular e

Pr osper i ty

TRAINING

Turkey Phot o Cont est

Br anch 31 San Luis Obispo

Br anch 15 Reedley

TRAINING

Turkey Phot o Cont est

Br anch 27 Santa Paula

Br anch 36 Atascader o

Br anch 35 Paso

Robles

TRAINING

Turkey Phot o Cont est

Br anch 38 Ventur a

Br anch 39 Santa

Bar bar a

Br anch 10 Tular e

HUMAN RESOURCES

$100 a mont h: Save t o give yoursel f a raise

Smal l spending adjustments can add up to a big boost in your monthly savings. In fact , put t ing aside just $100 a month can make a big di f ference, especial ly i f you invest i t for your ret irement . Real ly: Invested for 20 years or more at a 7% rate of return, that $100 a month could ul t imately grow to more than $52,000. Consider using these simple, pract ical st rategies to put your savings on the right t rack. Shi f t your habi t s t o st art saving 1. Track your spending. Pret ty Mbanga-Nembaware, mother of 5 and a service coordinator at an automobi le dealership in Plano, TX, used a monthly budget worksheet and was able to save more than $600 a month. Once she began careful ly t racking her fami ly's spending, i t was clear they were going overboard on lunches and movie out ings. Now, instead of spending $80 on movie t ickets and concessions, the fami ly rents movies and watches them at home. Says Mbanga-Nembaware, "Wi th that worksheet , I ask mysel f , 'Do I real ly need this?' and I compare how much I'm saving each month." 2. Ret hink meal t ime. The average American spends thousands of dol lars on dining out every year. Mbanga-Nembaware's fami ly has cut back on restaurant meals and now enjoys eat ing at home more of ten. They also pay more at tent ion to port ion sizes, wast ing less food. "We started get t ing more canned foods, because the port ions are just enough for the meal ," she says.

HUMAN RESOURCES

3. Aut omat e your savings. If your paycheck burns a hole in your pocket , consider creat ing a savings account that 's funded wi th automat ic wi thdrawals, says Joe Swanson, a Minneapol is-based f inancial professional wi th Principal ® . That could be as simple as set t ing up a monthly automated t ransfer f rom your checking account to your savings account . Some organizat ions also let you automat ical ly deposi t money direct ly f rom your paycheck into an investment account . And remember to take advantage of salary-deferral cont ribut ions to your organizat ion's ret irement plan, such as a 401(k). 4. Be account abl e. Wri t ing down your f inancial goals and sharing them wi th others makes those goals more concrete. Ask your spouse, a f riend, or your f inancial professional to check in wi th you at determined intervals (a few t imes a year, annual ly, or every few years) to ask i f you're on t rack. What about ret i rement ? Saving an ext ra $100 a month is terri f ic. But how much of your income should you be saving for ret irement? First , i t 's important to consider your goals and what your expenses may be in ret irement . Consider bui lding up to 15% of your salary for ret irement , then dedicat ing addi t ional savings to creat ing an emergency fund of 6 to 12 months?worth of pay. It?s not always easy, but you?l l spend the rest of your l i fe enjoying the benef i ts of good savings habi ts today? not worrying about playing catch-up.

BANK NEWS

CONGRATULATIONS!

Br anch 32 Ar r oyo Gr ande

Customer Deposit Growth Contest Winner for October !

DEPOSITGROWTH CONTEST

The Deposit Growth Contest continues. A prize will be given for most deposits in both the consumer and the business categories as a way of allowing each branch to be more aware of their capacity for growth, while encouraging a little good-natured competition at the same time. The results are in for the current month. Congratulations to the winners! Each of the winning branches will each be rewarded with a branch-wide lunch. When you have the lunch, SEND MARKETING YOUR PICTURES. One representative from each winning branch must contact Marketing to coordinate claiming the prize! Thanks for your efforts, everyone, and Keep Climbing!

Note: The amounts above do not include CDs.

BRANCH PERFORMANCE

HOWIS YOURBRANCH PERFORMING? These new charts help branches compare monthly checking account openings. If your "factor" is larger than 1.00, your branch opened more accounts than the same month in 2017. Likewise, if your "factor" is smaller than 1.00, your branch opened fewer accounts.

You Ar e A Star !

Pau la Col l ins Branch 28 - Fi l lmore

Ronald Flynn Branch 26 - Farmer svi l le "He is an exemplary team

"Paula makes our branch look and feel warm, cozy, and fest ive. Thank you Paula for al l the work you put in to decorat ing our branch, and making our customers and us feel right at home. Thanks " - Adriana Mej ia

member. He always puts others f irst and does everything in his power to ensure his customers and team members get the most out of their interact ions. He recognizes his team for their cont ribut ions and makes sure to acknowledge their hard work. He stands out to me because he t ruly understands teamwork and the big picture. In keeping wi th the theme of team spiri t he is also wi l l ing to help other branches wi th coverage, i f possible, or answer quest ions i f someone needs help. He understands that as a whole, we the bank, must work together to make each other bet ter. So I wanted to say thank you Ron, for riding the wave of change and doing your best to make us al l bet ter." - Aracel i Li l ley

Have you seen your cowor ker go above and beyond? Submit a card or email your submission to the Marketing and TrainingDepartments. You can then send the physical card to the recipient! Need a card?Contact the Training department.

CLIMBERQUIZ

This month?s quiz will be based on information found throughout the newsletter. Please submit answers for the following questions to the Marketing Department. There will be only one winner per branch or depar tment. The first correct respondent per branch/ department gets the prize! 1. How many people at tended Family Heal thCare Network?s f irst Harvest Fest ival? 2. Fi l l in bot h bl anks: While POSor in-store f raud is ____, card-not -present (CNP) f raud is ___________. 3. Fi l l in t he bl ank: Before paying for a purchase onl ine, make sure the website you?re on has _____ at the beginning of its URL. 4. Fi l l in t he bl ank: Invested for 20 years or more at a 7% rate of return, ____________ could ul t imately grow to more than $52,000.

Have Newslet ter Ideas?Tell Us!

If there are any ideas or topics you?d like us to cover in our future newslet ters, let us know! We?re also open to cont r ibut ions that may benefit your fellow employees. Share informat ion about banking, finance, new technology, policy and law changes, bank events, and helpful t ips& t r icks. Please send your newslet ter submissions to the Market ing Department for review. We thank you in advance for your cont r ibut ion!

CLOSINGREMARKS

Thanks to everyone who donated to Toys for Tots !

Photo: Br anch 16 - Baker sfield River lakes

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