Vista Bank

November 8, 2010

Dear Vista Bank Cardholder:

Vista Bank is pleased to announce its partnership with FICO Falcon Fraud Manager and SHAZAM Case Management Services which will enhance our ability to prevent fraudulent debit card transactions from being conducted on your account.  In the past, you may have received a phone call from us to verify one of your transactions.  Currently, those phone calls are made after the transaction has already occurred, in hopes of halting further fraudulent transactions.

Effective November 15, 2010, we will enhance our service to begin monitoring debit card transactions as they occur and declining only those with the greatest likelihood of fraud.  This determination will be made based on the way you typically use your card.  We believe this will provide a new and valuable layer of protection to your account.

In the event a transaction done with your card is flagged as highly likely to be fraud, you will receive a phone call from a SHAZAM Fraud Specialist on our behalf to verify the transaction.  If it was a legitimate transaction, the details will be made part of your card profile so that these types of transactions have a greater chance of being approved in the future.

It is very important that we have your current phone number on file, preferably your mobile/cell phone number so we can reach you quickly.  Be sure to notify us any time your phone number changes.  If you suspect the contact information we have on file is outdated, please provide updated information to us as soon as possible.

In order to avoid possible declined transactions when you travel outside of the United States, please notify your local Vista Bank office before you leave for your trip.  We will enter your destination and travel dates in your card profile to ensure your transactions are approved.

Vista Bank values the trust you have placed with us, and we will continue to look for new ways to protect your debit card.  If you have questions or concerns, please call your local Vista Bank office.

Sincerely,

Randy Runquist

Chief Operating Officer