Image provided by: Morrow County Museum; Heppner, OR
About Heppner gazette-times. (Heppner, Or.) 1925-current | View Entire Issue (Jan. 10, 2007)
SIX • Heppner Gazette-Times, Heppner, Oregon Wednesday, January 10,2007 Cardinals boys outscore Dufur in dramatic win The Keithleys La Verne and Virginia Keithley 1957 La Verne and V irginia “ G in g e r” (Schwarzin) Keithley will celebrate their 50"’ wedding anniversary on Saturday, January 13. The anniversary celebration w ill be held from noon until 3 p.m. at the H eppner O dd F ellow s Lodge. The Keithleys were m arried on Jan u ary 13, 1957, at the H ep p n er Christian Church. G inger w orked at Coast to Coast for several years and then was at Peterson’s Jewelers for 14 years. She now volunteers at the Heppner Neighborhood Center. Her hobbies include sewing, ceramics, and selling her crafts at various holiday bazaars. La Verne was a local farmhand, was employed by K inzua M ill as a self- employed wood worker and now works for the Willow Creek Park District as a RV park caretak er. He is a member of the Heppner Elks Lodge. He is also a volunteer at the Neighborhood Center and helps Ginger at the craft shows. The couple are lifetim e residents o f the Heppner area. The couple have four children: Ruth Ann The lone Cardinals escaped with a one-point victory over the visiting Dufur Rangers on Tuesday, January 2 to open Big Sky league play. The C ard in als outscored the Rangers in just one quarter Tuesday night and that was the first, 14-2. Cold shooting and tentative play characterized quarters two, three and four for the C ard in als as D ufur outscored them in each of those q u a rte rs. The Cardinals watched their lead dwindle and then completely e v ap o rate in the fourth quarter. Trailing by two with 30 seconds rem ain in g , freshm an M att Hams sw ished to clu tc h free throw s to tie the gam e. Twenty five seconds later, it was Justin Archer at the line connecting on one of two for the go-ahead score. In a dramatic twist, D ufur called tim e out im m ed iately fo llo w in g Archer’s free throw with the score lone 49-, Dufur 48. At the end of the break, the buzzer sounded once, then tw ice and the R angers remained in the huddle. The referee set the ball down under the Cardinal’s basket and started counting off five seconds. That brought the Rangers running and they somehow managed to get the ball inbounds and down the court but in the ensuing chaos, they didn’t get off a shot, sealin g the C a rd ’s victory. A lan R ietm ann paced the C ard in als in sco rin g w ith 14 p oints followed by Kip Krebs with ten. The Cards were 21 of 63 from the floor and 0-7 from beyond the three-point line. Fouls also got in the way with Kevin Fowler, Clay M o rter and Kip K rebs g e ttin g into early foul trouble. William Wehrli did an outstanding job off the bench in the first and second quarters, scoring four points and coming up with three blocked shots. In the eyes of Coach D ennis Stefani, the boys played three quarters of p retty slo p p y ball. “ It seemed we were playing not to lose instead of playing to win.” He did note that “the free throw s hit by M att Hams to tie the game and the winning free throw hit by Justin Archer showed great poise.” On the bright side th o u g h , C oach S tefani thought it was a good win in that it shows that team is learning to win close games. T he C a rd in a l’s season record moves to 5-3, 1-0 in Big Sky play. Protect yourself from fraudulent activity The b a n k in g in d u s try has seen a n increasing amount of fraud activity involving custom er accounts. Gary Propheter, I'd like to take a few E V P and chief operations officer. minutes to Bank of Eastern help the ()regon public p ro te c t themselves from risk. Two kinds of fraudulent transactions have shown up more frequently recen tly : u n au th o rized e lec tro n ic c h eck s to checking accounts (often called ACH or Automated C learin g H ouse transactions), and debit card tra n sa c tio n s at ATM or m erchant p o in t-o f-sa le terminals. Regulation E defines the p ro tectio n s given to consumers to protect them from electronic fraud and banks and co m p an ies processing electronic items m ust follow the rules it states. Not only do the rules protect consumers, they help banks and co m p an ies c o n d u ct p ro p er investigations of claims prior to making reimbursements in order to protect themselves from losses as well. If you boil Regulation E down to basics, it says if you advise your bank promptly about suspicious activity, you will not be held accountable for erroneous charges to your account. In most cases, your bank will refund fraudulently taken monies quickly and protect your account from further attacks. Any fees related to the fraudulent a c tiv ity w ould also be reversed. Unauthorized transactions may all seem the sam e to a custom er, but different types of fraud are often treated differently in the law and in banking regulations. An important factor in each case is how the transaction was conducted and by whom. Give your bank a fighting chance to stop fraud by working with them to identify fraud early. H elp your local p olice agency and prosecutor by agreeing to prosecute: hold fraudsters accountable! P ro secu tio n of frau d sters may vary by locality. When a perpetrator is known to Bank of Eastern Oregon, we will aggressively provide in fo rm atio n to prosecute every fraud case, but we need the public's help as the customer must file a police report and support the in v e stig atio n . F rauds originated in other states, or internationally, are rarely prosecuted as the threshold to get state prosecutor or FBI support is very high, often over $ 1 0 0 ,0 0 0 in proven losses. How can you protect yourself from loss? How can you protect yourself from being a victim of fraudsters? T hese are im p o rtan t questions with surprisingly simple answers. P ro tect y o u rse lf from loss: C heck your bank statements every month to ensure all transactions are valid and report suspicious activ ity to your bank immediately! Better yet, use your bank’s free Internet online banking service and look at your activity daily. Customers generally have up to thirty days from their last statem ent date to report suspicious activity to their bank in o rd er to avoid liability for future losses. N ever share your ATM or debit card PIN (secret code) with anyone. Many unfortunate frauds are conducted by someone well know n to the cu sto m er, often identified by security camera video at ATMs or in stores. Customers arc often unwilling to prosecute these cases and cooperation in prosecution is a prerequisite to being reimbursed for any losses. ♦ N ever loan your ATM or debit card to anyone or you may becom e resp o n sib le for every transaction done by the third party. The same is true with checks! In Oregon, if you allow a n o n -sig n e r to regularly use your account, they can become a de-facto signer on your account! Never give a signed blank check to anyone! Always fully complete the information, including the payee name, and don't leave any blank sp ace on the written amount lines - line blank spaces out before and after the written amount. P ro tect y o u rse lf from being a victim of fraud: N ever provide p erso n al or fin an cial information to a third party who contacts you by email or by phone. If you have an existing relationship with that third party, contact them directly using the phone number that is provided on normal correspondence you receiv e from them . For example, from your bank statement, or look up their number in the phone book. Information requests in an unsolicited email should be looked on w ith great distrust. Legi t i mat e companies will never send you emails or call and ask you to provide personal or account information. Again, if you ever receive that kind o f req u est, co n tac t the company directly through a trusted phone number and verify the request is proper. Keep unused checks and bank statements locked away! Never dispose of them in the trash , and shred c an c e lle d ch eck s and u n w anted d o cu m en ts w henever possible. Keep financial documents out of sight of casual observers. Thieves sell account and card num bers o v er the Internet and these are used by fraudsters to steal from merchants, customers, and banks. N ever keep your ATM or d eb it card PIN (secret code) with your card. O nce y o u ’ve m em orized your PIN number, shred the mailer! If you prefer, most banks, like Bank of Eastern Oregon, allow you to change your PIN to a number you can more easily remember, free of charge! The m ost secu re transactions you can do are with your ATM or debit card, as these use artificial numbers (card numbers) that are tied to your account. When you have a problem with a card, access to your account can be cut instantly and new cards can be issued without impacting the bank account itself. It’s a very different story with check or bank account related fraud. Once the fraudster knows your account number or a thief has stolen your checks, the only way to protect you (and your bank) is to close the account and open a new one. That also means you need to order new checks, which can be costly. In each fraud case, the customer has additional w ork to do c lean in g up automatic links to their card and acco u n ts. B ank o f Eastern Oregon finds that fixing card problems is much easier to accomplish. All of these things we've discussed work great for consum ers, but what about businesses? They have all the same issues, but fewer protections under the law. In fact, until the most recent changes in V ISA and MasterCard operating rules providing Regulation E type protection for business debit cards, businesses only had the rig h ts to d isp u te fraudulent activity that were granted within their account agreement with their bank. Businesses can take advantage of all of the same conveniences provided to consumers, especially online banking. Business owners tend to watch the bottom line and cash flow carefully and checking daily activity can not only catch external fraud, but be a strong tool to defeat that most insidious of thieves, the embezzler. Bank o f E astern O regon hopes this inform ation has been of value and w elcom es questions, com m ents, or concerns. Please address these to Gary Propheter, EVP & C hief Operations O fficer, Bank o f Eastern O reg o n , P.O. Box 39, Heppner, OR 97836. You may also email your question t o securityofficer@beobank.com for a speedier reply! A bout BEO Bancorp BEO Bancorp is the holding company for Bank of Eastern Oregon, which operates 11 branches in six eastern Oregon counties. B ranches are located in Arlington, lone, Heppner, Condon. Irrigon, Boardman, Burns, John Day, Prairie City, Fossil and Moro. Bank o f E astern O regon also o p erates a m ortgage division, has loan production offices in Hermiston and O n ta rio , and o ffers brokerage services through BEO Financial Services. The b a n k ’s web site is www.beobank.com. Senior Center News The Willow Creek Baptist Church will be serving lunch at the Senior Center on Wednesday, January 17. The menu consists of barbecued beef on a bun. oven baked fries, green salad, fruit cup and pie. “There was a great turn out for the Christmas Eve potluck dinner. Della Burch, her daughter-in-law. Dee, and son, David, did a fabulous job,” said a spokesperson. Many people brought salads and desserts and many helped with serving and cleanup. The center has been without an elevator for over a week. It has been a huge inconvenience but tenants are helping one another. Repairs were finally finished on Monday, January 8. We don’t fly airplanes We can’t train elephants We’re not good cooks We don’t build computers We can’t raise wheat We don’t practice law We can’t set a broken leg We don’t put out forest fires We can’t measure S cut lumber We don’t sell fat quarters We don’t rent movies We won’t charm snakes We don’t rotate tires We re not painters We can’t resole shoes We don’t fill cavities We don’t sell antiques We don’t know jewelry We can’t fill prescriptions We don’t savvy hardware We can’t fill propane tanks (and set up We don’t sell or bag groceries WEBSITES!) We shouldn’t run with scissors BUT WE SURE CAN PRINT H EP P N ER G AZETTE-TIM ES 188 W est W illow • 676-9228
