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Advice on how to safely use mobile banking As mobile banking grows in popularity as a consumer banking service, the Independent Community Bankers of America (ICBA) and Palmetto State Bank are offering consumers advice on how to safely use mobile banking so they can be protected while managing their finances. “Mobile banking, one of the industry’s fastest growing trends, gives our customers flexibility and the chance to manage their finances anytime, anywhere,” said Jeff Gerhart, chairman of ICBA and of Bank of Newman Grove, Neb. “To stay ahead of demand, community banks are investing millions

to secure their banking channels, but consumers need to make informed decisions, while avoiding the scams and schemes that are growing up around this new technology.” ICBA and Palmetto State Bank offer these tips for consumers on the safe use of mobile banking: 1. Invest in an antivirus application for your mobile device to help protect you when downloading apps or mobile content. 2. Never provide personal identification or banking information over your mobile device unless you initiate the contact and you know that

you’re dealing directly with your bank. 3. Never share your password, account number, PIN and answers to your security questions. Don’t save this information anywhere on your phone. 4. Never set the app, web or client-text service to automatically log you in to your bank account. If your phone is lost or stolen, someone will have free access to your money. 5. Set the phone to require a password to power on the handset or awake it from sleep mode. 6. Remember, your bank would never contact or text message you asking for personal or banking information.

Assume any unsolicited text request is fraudulent. Giving this information places your finances and privacy at risk. 7. Immediately tell your mobile operator and your bank if you lose your phone. “Whether they choose mobile, online, or in-person banking, we want to help customers manage their money safely and wisely,” said Natalie Wheatley, Vice President, Palmetto State Bank. “If customers have any questions, they can contact us at Palmetto State Bank, and we can guide them through the mobile process for added insight and confidence.”

FWDG’s 22nd Annual Coat Drive kicks off Cooler weather means families need jackets and coats — but in Beaufort County, too many needy families go without. That’s where FWDG’s 22nd Annual Coat Drive helps thousands each year. “We live in a beautiful place, but sometimes we forget that even in all this beauty there are families in great need,” said Larry Mark, president of Furniture Warehouse Design Gallery, also known as FWDG. “We can help keep children and parents warm by donating jackets,

coats and sweaters. This year, FWDG is kicking off the annual Coat Drive with a special Beaufort Regional Chamber of Commerce Business-After-Hours event Thursday, Nov. 8. Refreshments are being prepared by Summit Place of Beaufort’s Chef Kent. While admission is free, participants will receive one coupon for each coat, jacket or sweater they donate to the Coat Drive that night. One winning coupon will be drawn for a $250 FWDG gift

certificate, Mark said. Over the past two decades, FWDG founders Larry and Robyn Mark have shared more than 39,000 gently-used coats with Beaufort County families. FWDG has once again chosen HELP of Beaufort, Bluffton Self Help and the Deep Well Project on Hilton Head to distribute the donations to families in need — ensuring your donations help local Beaufort County residents. Jackets, coats and sweaters can be dropped off at collection sites through

Dec. 31 at the following locations: • FWDG, 745 Robert Smalls Parkway, (S.C. 170), Beaufort • Beaufort County BB&T offices: o Beaufort, 905 Port Republic St. o Bluffton, 2 Burnt Church Road o Hilton Head, 1008 William Hilton Pkway Unit A o Lady’s Island, 1 Kemmerlin Lane • Carolina Stamper, 203A Carteret Street, downtown Beaufort For information, please call Larry Mark at 524-8695.

“We think long term. Always have. Always will.”

It’s Working. It’s time to discover your passions, explore your interests, or simply enjoy yourself.

Discover more about yourself at www.tcl.edu/life.

Photoshop Elements Series

We don’t take long term risks chasing after short term gains. We think long term. Always have always will. Some may say we’re conservative. They’re right, we are conservative. It’s your money that’s deposited with us. We have to be. That’s one of the reasons we are consistently rated as a strong bank.

Beginner “Fantastic Four” Nov 15 Learn the four things in Photoshop Elements that every user needs to know no matter what your skill level, to do to every picture. Intermediate “More Advanced” Dec 6 Learn to fix a picture without relying on the ‘autofix’. Advanced “Fun Stuff in Elements” Dec 13 More with layers and FUN stuff! Cost $187 for whole series. Thursday, 6p-9p Beaufort Campus Students will provide their own laptop with any version installed.

Life Enrichment Center Lady’s Island 145 Lady’s Island Drive 524-3300

Burton 2347 Boundary St. 524-4111

the island news | november 8-14, 2012 | www.yourislandnews.com

843-525-8205 www.tcl.edu