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f =: The Canadian Bankers’ Associa:.
{ tion has reminded credit card |
holders that losing or misusing your
cards can be embarrassing, incon-
venient — and expensive. Here's
| the bankers’ list of 10 common-
sense rules to avoid trouble: 7
‘1. Never ‘leave your cards unal~
tended at work, There are more
credit card thefts at the workplace

than in any other single location.
2. Don’t lend. your card. Remem-

It’s sad but true that some credit

to family and friends. :

-car’s glove compartment. An
alarmingly high proportion of all
credit card thefts are from glove
compartments. |
4, Don't leave-your cards in your

Both the “bank inspector”. and
“found money” frauds have been
ground in Canada for decades and
there have been:countless wam-
ings. But unwary Canadians —

are still being cheated by the fast-
* talking con men who pull them off
‘time after time.

In 1988, Canadians purchase

shipped.

GSB sales close
to $15 billion

‘The 1988-89 series of Canada’

Savings Bonds’ rate of 9.5 per cent

" in the first year was something ofa.

disappointment for investors who
had thought the Department of
Finance might spring to possibly 10
per cent, or even a bit more.

Notwithstanding, as usual .

Canadians bought plénty of them
— with: gross sales reaching
$14,962 billion as-of Nov. 24,
Finance Minister Michael Wilson.
announced. After allowance for

"redemptions of past series since the

beginning of October, net pur-
chases of the new bonds were
$6.454 billion. .
-Included in the gross sales figure
was $2,135 billion of bonds bought
through the Payroll Savings Plan.
This represents an overall increase

of 7 per cent over 1987 and was a

new record, — ;
Incidentally, if you are still hold-

ing CSBs issued prior to 1982 ($1 _

d almost $15 billion worth of Canada
Savings Bonds, like those being perforated (above) prior to being

The first'scam is perpetraicd by a
fraud artist claiming to be a “bank
‘inspector”. He asks you to “help”
“by withdrawing funds from your
account to trap an embezzler or find

.- feit funds: The victim does what he
_ asks and hands over the moncy on
. the understanding that it will be re-

to $36 inclusive), you'd better
hurry on over to your bank. or

never is.

card misuse can be traced direcly | 1 .
place within days of their being lost

3, Don’t leave your cards in.your

a ta te SM tere lie tte # rags Ag amet deck aia 8 be

hholel room; not even in a sitease.

ber, you’re,responsible for its use...
the issuing company immediately.

often older people living alone —

out who has been passing counter-

deposited later, Needless (0 'sty,.it :

Ora “found money” victim is per-

+

Carry, your cards with you when

~ you travel, When you can’t, for in-

stance at the beach, put them in the
hotel.or motel safe. . oe -

5, Always check your card when

~ you get it back'in:a store or rés~
taurant. It’s easy for youto forgetit —

when you're in a hurry. It's easy for

_ waiters or salespeople to give you

the wrong card when they're ina
6. Report a lost or-stolen card to

“Most fraudulent use of cards takes

orstolen.

“7. Sign the back of a new card as
- soon as you get it-If you don’t, a

thief could sign it and use it. And ~

_remember to destroy unwanted |

cards so no one can use them...

Watch outfor the
phoney bank inspector |

about them-now. But the facts are
that they have been highly success-

’ ful all over Canada for many years.
‘Remember, banks, other financial
institutions and the police will
never ask you 10 withdraw funds in
this way. Remember too that if a
properly completed withdrawal slip

: is presented at the wicket with your

genuine signature, the teller has no

option in law but to follow your in-
structions and hand over your

money,
Then it’s too late and another

- fraud has succeeded. Make sure it

doesn’t happen to youl.

cticae revetarradh esr ek: eA md ah Rect artte

fe

°B, Make ‘a comprehensive listof -—

all your cards and theit nimbers.
This is key information you'll need -

call and your card's expiry date. So ..

list these too.

9, Always check your. monthly
statements. Keep your card slips

and. check them against your
monthly statement to make sure no
one else has. used your card."

10. Never give your card number —
over the phone unless you're deal:
ing with a company you know.is.

_ reputable, Noone from areputable
~ company will phone you and ask
for your card number, The only °
time you should give itis when you

have called to place an order.

_ ©. Courtesy The Canadian Banker ;

RRSPs_

What are they?

| RESPs |

See page 8

oe i Te

canes

_ CS. Wilkinson:

Na

broker and cash them in right away -

becalise they all matured on Nov. 1
and will pay no further‘interest.
The rate for the last six series (37
to 42 inclusive) was increased to
9.5 per cent fo the year beginning
Nov. 1. After this one-year period,
annual rates of 7.per cent for $38

‘and $39, 6.5 per cent for S40 and

suaded to withdraw funds and
entrust them to the con artist :to
demonstrate “good faith” and with

the promise to share a large amount. |).
of money conveniently “found” on’.

the street. -
Unbelievable
but true .

-} CHARTERED. ACCOUNTANT

7 Member of the Institute of |
Chartered Accountants of B.C.

Providing Services in the following areas:

5.75 per cent for $41 will continue

_ Unbelievable? Maybe frauds like

v Auditing |

to apply. . this do seem. that way as you read
oo Ré| The Mutual Group ©
; | | Frank Donghueo ah
Skeena Mall a

* Monday thru. Saturday 7 . 7
~ 9:30.a.m, to 6:00 p.m. |
Friday till 9:00 p.m.

~ Accounting

_y Income Tax Consulting as
ad Management Consulting.
_ Data Processing 8 rk

302 - 4630 Lazelle Avenue
Terrace, B.C. —

he right employee...

doesn’t need to be like
earching for a needia in a
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Classified Advertising Department

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YOUR HOMETOWN LOCALLY OWNED AND OPERATED NEWSPAPER RE

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The

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‘to report lost or stolen'cards. You'll. - .
~also need the telephone number to

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