LM Federal's Link Partners:

Carfax Vehicle History Reports:                         Chrome Carbook: 
The 1st step to protect yourself when buying a used car.       Check new and used vehicle values, free!
                                   

Turbotax for the Web:                                
Prepare your taxes quickly and safely online.            
                                

My Travel Wallet:
Make foreign travel safe and convenient.
                            
                                                       Boat Values   RV Values   Motorcycle Values

Automotive

• LM Federal's Auto Center
• Buyer's Guide from Car and Driver - www.caranddriver.com
• Online Auto - www.onlineauto.com
• MVCP - www.mvcp.com
• Enterprise Car Sales - www.enterprise.com/carsales
• Fuel Economy Guide (find out how efficient your car is on gas) -
  www.fueleconomy.gov

Companies

• Lockheed Martin - www.lmco.com
• MIDDLE RIVER AIRCRAFT SYSTEMS - www.mras-usa.com

Consumer Resources

• Better Business Bureau (see complete auto guide appendix) - www.bbb.org
• Consumer Product Safety Commission - www.cpsc.gov
• Consumer Reports Online - www.consumerreports.org
• NHTSA - www.nhtsa.dot.gov

Government

• Internal Revenue Service - www.irs.ustreas.gov
• Maryland - www.state.md.us
• Maryland Motor Vehicle Administration - www.mva.state.md.us
• NASA - www.nasa.gov
• NCUA - www.ncua.gov
• Pennsylvania - www.state.pa.us
• Pennsylvania Department of Transportation - www.dot.state.pa.us
• Social Security Administration - www.ssa.gov\
• U.S. Savings Bonds - www.savingsbonds.gov
• Virginia - www.state.va.us
• Virginia Department of Motor Vehicles - www.dmv.state.va.us
• Fuel Economy Guide (find out how efficient your car is on gas) -
  www.fueleconomy.gov
• Law.net - www.law.net

Pre-Paid Cards 

LM Federal offers three types of Pre-Paid cards:  Visa Gift Card, Cash Passport Card, and
the Travel Money Card. 

WAYS TO KEEP YOUR IDENTITY AND ACCOUNTS SAFE:

Here at LM Federal, one of our highest priorities is to keep information about your accounts
private and secure. We're proud to have earned your trust by offering the highest level of
security, using the latest encryption technology for online transactions, plus virus protection
and firewalls. We access your personal information only when necessary to service or
maintain your accounts. In addition, you have the opportunity to select your own passwords
to enter your accounts and have personal identification numbers (PINs) for your ATM and
debit cards. We issue you a personal Access Number for your accounts-totally unrelated
to your account numbers. We do not share any of your information with third parties
except as allowed or required by law and as necessary to provide you with services, nor do
we ever email you asking for personal or sensitive information (to read our complete privacy
statement, click here).

If Identity Theft Strikes
When your wallet is lost or stolen, you're protected from unauthorized use of your credit
and debit cards and subsequent financial liability if you promptly notify your card issuers.
But it's not so easy to guard against identity theft. Each year a growing number of people are
victimized by a criminal element interested in stealing their identities.

Armed with personal data, such as your Social Security number, date of birth, and mother's
maiden name, these thieves can, within a matter of hours, take over your existing accounts,
open new ones, and obtain credit cards, a passport, a drivers license, Social Security benefits
and loans. And they can even change your mailing address!

Limit your chances of becoming a victim!

Here are some simple steps you can take to protect yourself:

• Protect your Social Security number and credit card account numbers. Don't give them
  to anyone over the telephone if they've called you. Hang up and call the company back
  using a telephone number you find (NOT ONE THEY GIVE YOU) to check that it was a
  legitimate inquiry.
• Cancel unused credit cards.
• Limit the amount of identification and the number of credit cards you carry.
• When making transactions over the Internet, use only a secure site. Look for the "lock"
  icon on the Web page.
• Don't leave envelopes with checks inside in an unsecured mailbox. Try to use a
  sealed U.S. Post Office mailbox for your correspondence. If you have an "open"
  mailbox, make an effort to pick up your mail promptly. Don't leave mail in your
  mailbox overnight or on weekends.
• Completely destroy or shred copies of credit card receipts, statements from financial
  institutions, tax returns and loan applications before discarding them. Keep the ones
  you need in a SECURE place.
• Look for statements from financial institutions and verify that the account inforamtion
  is correct. By signing up for LM Federal's secure Internet Branch access, you'll be
  provided with an excellent means of reviewing your accounts at your convenience.
  SIGN UP now!
• Never give your Personal Identification Numbers (PINs) to anyone, for any reason.
  Watch out for a scam that is known as "phishing," where someone calls or emails
  you and claims to be from one of your accounts (Internet provider, credit card, etc.)
  and wants to "verify" your information by requesting that you give them your account
  number, social security number, etc.-DON'T GIVE OUT THIS INFORMATION.
  Immediately call those companies and notify them about these abuses.
• Watch for unexplained interruptions in your mail service. If there is one, contact your
  local post office and verify that your address has not been changed without your
  knowledge.
• Review a copy of your credit report at least once a year.

Notify the correct authorities

If you feel you have been a victim of identity theft: Contact the three Credit bureaus
and report the incident. Then follow up the phone contact with a written notification
to police.

• Contact LM Federal or other financial institutions where you have accounts. Obtain
  new account numbers and have a code word placed on your accounts.
• File a report with your local law enforcement agency and obtain a report number for
  future reference.
• If your credit cards or ATM cards have been compromised, request new accounts
  and PINs.
• If your checks have been stolen or misused, close the account and ask your
  financial institution to notify the appropriate check verification service. You should
  also contact the major check verification companies yourselves:

TeleCheck – 1-800-710-9898
Certegy, Inc. – 1-800-437-5120
Call SCAN (1-800-262-7771) to find out if anyone has been
  passing bad checks in your name.

• Report the fraudulent use of your Social Security Number to the Social Security
  Administration:

Report Fraud - 1-800-269-0271.

• Visit your states' motor vehicles office and advise them of the incident.
• Obtain a new operator's license and number.

NOTE: You do not have to use your SSN for your driver's license.
YOU MAY request another number for your driver's license.

For more information on Identity Theft and to download forms for reporting identity
fraud, go to consumer.gov/idtheft, call their hotline toll-free 1-877-IDTHEFT (438-4338),
or write Identity Theft Clearinghouse, Federal Trade Commission, 600 Pennsylvania
Avenue, NW, Washington, DC 20580.