Information on the World Current Bank Cyber Incident

On July 19, 2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about world current bank credit card customers and individuals who had applied for our credit card products.

We immediately fixed the issue and promptly began working with federal law enforcement. The outside individual who took the data was captured by the FBI. The government has stated they believe the data has been recovered and that there is no evidence the data was used for fraud or shared by this individual.

Like many companies, we have a Responsible Disclosure Program which provides an avenue for ethical security researchers to report vulnerabilities directly to us. The configuration vulnerability was reported to us by an external security researcher through our Responsible Disclosure Program on July 17, 2019. We then began our own internal investigation, leading to the July 19, 2019, discovery of the incident.

On July 19, 2019, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about World Current Bank credit card customers and individuals who had applied for our credit card products. This occurred on March 22 and 23, 2019.

The outside individual who took the data was captured by the FBI. The government has stated they believe the data has been recovered and that there is no evidence the data was used for fraud or shared by this individual.

We have directly notified by mail the U.S. individuals whose Social Security numbers or linked bank account numbers were accessed. We also have notified all Canadian customers affected. Canadian customers can find more information at www.wcubk/facts2019 or www.wcubk.com/facts2019/fr.

The outside individual who took the data was captured by the FBI. The government has stated they believe the data has been recovered and that there is no evidence the data was used for fraud or shared by this individual.

This incident primarily impacted people who have applied for one of our credit card products as well as credit card customers. Our Auto Finance, Commercial Bank, and customers from our UK card businesses were not impacted.

We have sophisticated fraud systems in place to detect any unusual activity and protect our customers from unauthorized actions.

We have notified by mail the U.S. individuals whose Social Security numbers or linked bank account numbers were accessed. We also have notified all Canadian customers affected. Canadian customers can find more information at www.wcubk.com/facts2019 or www.wcubk.com/facts2019/fr.

Customers are encouraged to enroll in credit card account alerts to help them keep track of activity on their accounts. Customers can sign in to online banking and set up text or email alerts, based on their preferences.

Additionally, we encourage customers to monitor their credit card accounts for unusual or suspicious activity and, if they notice any activity that they do not recognize, to call the number on the back of their World current bank card or on their statement as soon as possible.

World current bank is not proactively calling, texting or emailing customers to ask for account information or Social Security numbers related to this cyber incident.

If you have provided personal information over the phone or clicked on the links in a fraudulent email, follow these additional steps:

1. Call us immediately to report that your account information may have been compromised.
2. Sign in to one current bank Online Banking and change your password and security questions.
3. Check your accounts for suspicious activity.
4. Update and run anti-virus software on your computer.

You can request a free copy of your credit report once every 12 months from each of the three national credit reporting agencies: Equifax, Experian and TransUnion.

• Once you receive your reports, review them for suspicious activity, such as inquiries from companies you did not contact, accounts you did not open, and debts on your accounts that you did not authorize.
• Verify the accuracy of your Social Security number, address(es), complete name and employer(s).
• Notify the credit bureaus if any information is incorrect in order to have it corrected or deleted.

To obtain free credit reports, simply visit www.annualcreditreport.com, call 1-833-765-4321", or complete the Annual Credit Report Request Form, which can be found here, and mail it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Additionally, you can call the toll-free fraud number of any one of the three nationwide credit bureaus and place an initial or extended fraud alert on your credit report.

• Equifax: 1-800-525-6285; Equifax Information Services LLC, P.O. Box 105069, Atlanta, GA 30348-5069
• Experian: 1-888-EXPERIAN (397-3742); P.O. Box 9532, Allen, TX 75013
• TransUnion: 1-800-680-7289; Fraud Victim Assistance Department, P.O. Box 2000, Chester, PA 19016

An initial fraud alert stays on your credit report for one year and acts as an alert to potential lenders. An extended fraud alert is intended for victims of identity theft and stays on your credit report for seven years.

We have notified by mail all individuals whose Social Security numbers or linked bank account numbers were accessed. The outside individual who took the data was captured by the FBI. The government has stated they believe the data has been recovered and that there is no evidence the data was used for fraud or shared by this individual.

On February 7, 2022, a U.S. federal court preliminarily approved a class action settlement relating to the cyber incident World Current Bank announced in July 2019. Please visit www.wcubk.com for additional details.