The Problem - Denhardt Solutions · Discover the peace of mind that you will experience when choosing the protection provided by our SECURESTAR ® Program. Protection that helps prevent

Discover the peace of mind that you will experience when choosing the protection

provided by our SECURESTAR® Program. Protection that helps prevent loss due to

check fraud including altered and counterfeited checks. With our SECURESTAR® line of

products, we make it practical and affordable to protect every at-risk document

issued by your financial institution.

02

The Problem...

CHECK FRAUD LOSSCheck fraud loss in the U.S. continuesyear after year. This trend has beenattributed to criminals having accessto easy-to-use and affordabletechnology such as personalcomputers, high-resolution scannersand laser printers to create realisticfraudulent checks. They also usechemical erasures to alter the checksand phony I.D.s to pass them.

The best defense financial institutionsand commercial businesses can takeagainst check fraud is to have:

• Knowledge of the UniformCommercial Code (UCC)

• Internal controls• Preventive security measures

KNOWLEDGE OF THE UNIFORMCOMMERCIAL CODEIn the past, financial institutions wereheld responsible for most of thefinancial losses due to check fraud,however recent revisions to the UCChave passed some of that liabilityonto businesses and corporations. Inmost cases, courts will refer tosections 3 and 4 of the UCC for theconcepts of “ordinary care”,“contributory negligence” and“comparative negligence” todetermine which party is in the bestposition to prevent the fraud.

INTERNAL CONTROLS• Continuous monitoring, classifying

and evaluation of fraud losses byupper management, with resultsreported to the audit, riskmanagement, security divisionsand senior management.

• Regular evaluation of operatingprocedures with appropriatechanges when needed.

• Alerting personnel to currentcheck fraud schemes and howto prevent them.

PREVENTIVE SECURITY MEASURESPreventive security measures are vitalto the establishment of “ordinarycare” in check fraud cases. A simpleand immediate measure is toincorporate security features into allofficial checks. The SECURESTAR®

Program includes the following

security features; each designedto help in the fight against fraud:

• Prismatic Backgrounds• Padlock Icon• Warning Band and Warning Backer• Microprint Signature Line• High Resolution Border• Thermochromic Ink• Full Chemical Reactivity• Invisible Fibers• Holographic Foil• Genuine Watermark in Paper• Holograms• Toner-Fusing Paper

Other effective preventive securitymeasures include:

• Positive Pay Program• Reverse Positive Pay Program• Electronic Check Presentment

(ECP)• Account Reconciliation• Sweep Accounts• Lock Box• Automated Clearing House (ACH)• Pay Card• Purchase Card • Electronic Data Interchange (EDI)

TOP FOUR CATEGORIES OFCHECK FRAUD• Altered checks• Counterfeited checks• Forged checks• Checks drawn on closed accounts

ALTERED CHECKSAltering checks is a common type offraud that allows a criminal to modify,without destroying, an otherwisegenuine check by using chemicals orother means to remove the payeename and/or the check amount.The criminal then fills in a differentname and/or higher amount.Financial institutions can combataltered check fraud through:

• Check and signature reviewingprocedures

• Positive pay or reverse positivepay programs

• Electronic checkpresentment programs

• Security features in all theirofficial checks

COUNTERFEITED CHECKSCheck counterfeiting consists ofcopying a valid check, withoutauthority or right, with the intent todeceive or defraud. The counterfeitcheck can be drawn on a legitimateaccount or presented along withfalse identification. To protectagainst counterfeit check fraud,financial institutions may:

• Use a positive pay or reversepositive pay program

• Thoroughly review customeridentification

• Train personnel to carefullyinspect checks

• Use unique or custom-designedchecks along with visible andhidden security features to steercriminals in search of aneasier target

FORGED CHECKSForging checks includes theact of forging the maker’s signatureor the endorsement with theintent to defraud. Financialinstitutions should establish strictidentification review and signatureverification procedures.

CLOSED ACCOUNT FRAUDUsually based on a criminal writinga check against a closed accountand then relying on float time.Financial institutions should closelymonitor inactive accounts andcontact customers about the statusof those accounts.

CHOOSING A CHECK PROGRAMChoose a check program thatincludes a complete array of securityfeatures for negotiable documents.The SECURESTAR® Program wasdesigned to contain a minimum offive visible and two hidden securityfeatures included in every officialcheck. In addition, SECURESTAR®

checks will have no missing numbers,and each inner carton is sealed withtamper-evident tape. Select fromour standard SECURESTAR® line or let uscreate a custom official check thatwill reflect your unique image.

HIDDEN FEATURES DESIGNED TOENHANCE CHECK SECURITY

Full Chemical Reactivity. If chemicalalteration is attempted, visiblediscolored blotches will appear.

Toner-Fusing Paper. A coating thatimproves toner adhesion and helpssafeguard against laser-printedimage removal. (SecureStar® LaserChecks only)

Fluorescent Fibers. Paper fibers thatfluoresce under a blacklight.

Securely Packaged. As an addedmeasure of security, all official checksare packaged with tamper-evidentsecurity seals on every box.

SECURESTAR® makes it practical andaffordable to protect every at-riskdocument issued by financialinstitutions. All SECURESTAR® documentsare protected with the standardfeatures shown on this page. Seepage 13 of this brochure for securityfeatures printed on the back ofSECURESTAR® official checks. Additionalsecurity features (true hologram, foiland prismatic background) areavailable for an additional charge.

VISIBLE FEATURES DESIGNED TO DETER FRAUD

Padlock Icon, Warning Band andWarning Backer. A padlock symbol isprinted on the face of thedocument, indicating the securityfeatures that are listed on the back

side. The Padlock Icon design is acertification mark of the CheckPayment Systems Association.

Guaranteed No Missing Numbers.Assurance that all of your documentsare present.

Microprint Signature Line. Thewords “Authorized Signature” arerepeated several times in type toosmall for copiers to duplicate. Wordsbecome dots when duplicated.

High Resolution Borders orBackgrounds. Intricate design detailsare difficult to accurately or cleanlyreproduce on scanners or copiers.

Thermochromic Ink Icon. Placinga thumb over the icon for a fewseconds alters the appearance ofthe icon.

Fourdrinier Watermark. Actualwatermark in the paper that isimpossible to duplicate. To viewthe watermark, hold the checkup to the light.

…The Solution

03

A

B

C

DF

G

The account number is printedunder the fractional as anadditional source of accountinformation for operations andan added security feature thatidentifies critical informationthat an uninformed criminalmay fail to alter.

A

G

H

B

E

F

D

C

I

J

04

SECURESTAR® Unit Set Products

Personal Money Order (large)Page 8

Personal Money Order (small)Page 8

Bank Money OrderPage 9

PMT-3Parchment, Burgundy, page 10

PMT-1Parchment, Blue, page 10

STARF-1Starline with Foil, Gray to Pink, page 11

STARF-2Starline with Foil, Gray to Blue, page 11

Available Format Styles (Unit Sets)

Cashier’s Check, Bank Draft, Expense Check, Window Check,Custom Format, or Certificate of DepositPages 6 & 7

Cashier’s Check, Bank Draft, Expense Check, Window Check, Custom Format, OR Certificate of Deposit.

PRP-1Prism Pinstripe, Teal to Tan, page 11

PMT-2Parchment, Green, page 10

3DS-13D Secure, Burgundy to Gray to Green, page 11

PMT-4Parchment, Tan, page 10

FS-1Financial Secure, Blue to Red, page 11

SECURESTAR® Hologram and Cut Sheet Products

05

HG-1Hologram, Blue

HG-2Hologram, Green

HG-3Hologram, Burgundy

LP-1T (Top Check Shown)LP-1M (Middle Check)31/2'' x 31/2'' x 4''

LP-3P (3-On-A-Page Checks)31/2'' x 31/2'' x 31/2'' x 1/2''

LP-4B (Bottom Check)33/4'' x 35/8'' x 35/8''

LP-5T (Top Check)35/8'' x 35/8'' x 33/4''

LP-6P (3-On-A-Page Checks shown)LP-6T (Top Check)32/3'' x 32/3'' x 32/3''

Available Format Styles (Laser Cut Sheets)Cashier’s Check, Bank Draft, Expense Check, Window Check, Reserve Check, Interest Check or Custom FormatPages 14 & 15

High Security HologramsCashier’s Check, Bank Draft, Expense Check, Window Check, Custom Format or Certificate of DepositTrue Holograms are the premier choice when trying to protect official documents from forgery.Page 12

All imprintedinformation will bein black MICR inkand needs to be atleast 5⁄8'' from thebottom of the formin order to not incuradditional charges.

Pinstripe Laser Check Colors:

ReflexBlue

GreenPMS 355

BurgundyPMS 201

YellowPMS 128

ICR• Nine security features are included inall standard and prismatic backgroundSECURESTAR® official checks.

• The icon means that the printeddesigns and colors have been testedto meet ANSI’s new guidelines whichmandate that the “areas of interest”on the check will drop-out at theproper print contrast signal (PCS).

• Remitter Line is automatically printedon orders for triplicate sets unlessindicated otherwise. On duplicatesets, Remitter Line is not printedunless requested.

06

SECURESTAR® Safety Paper Checks

Size: 3 3⁄8'' x 9 1⁄8'' (includes 3/4'' stub)

Colors: Pink, Green, Blue, Gray and Yellow

Imprint Area: See Page 4

Parts: Unit Sets

Paper: Original: 24# SECURESTAR®

SafetyDuplicate, Triplicate orQuadruplicate: 20# Bond

Minimum Order: 500

NormalOrder: 1,000

EconomyOrder: Multiples of 5,000

FRAUD

PROTECTION AT

AFFORDABLE PRICES

CC-1 ICRCashier Check Without Lines

CC-2 ICRCashier Check With Lines

BD-1 ICRBank Draft Without Lines

BD-2 ICRBank Draft With Lines

Bank Draft duplicate and triplicate are printed same as cashier’s check

Duplicate is printed on white paper. Triplicate is printed on pink paper.

07

Size: 3 3⁄8'' x 9 1⁄8''(includes a 3⁄4'' stub)

Colors: Pink, Green, Blue,Gray and Yellow

Parts: Unit Sets



Minimum Order: 500

NormalOrder: 1,000


ALL MICR

ENCODING IS

GUARANTEED TO BE

99.9% READABLE

Certificate Of DepositSample Body Copy:(Several additional examples are available)

MONEY MARKET CERTIFICATE(Automatically renewable): Payable tosaid depositor or, if more than one, toeither or any of said depositors or thesurvivor or survivors, upon presentationand surrender of this certificate on thematurity date or within 10 days thereafter.This certificate matures twenty-six (26)weeks after date of purchase.

CONVENTIONAL SAVINGS CERTIFICATE(Automatically renewable): Payable tosaid depositor or, if more than one, toeither or any of said depositors or thesurvivor or survivors, upon presentationand surrender of this certificate on thematurity date or within 10 days thereafter.This certificate matures ________________after date of purchase.

AUTOMATICALLY RENEWABLE: This certificate will be automaticallyrenewed on maturity at a rate of interestnot to exceed the six month Treasury billrate in effect at the time of the renewalor the current six month savings certificaterate, whichever is higher. The bank hasthe right to change the rate of interest orcall the certificate for payment on anymaturity date by mailing written notice ofany such change or redemption to thedepositor. This certificate is nottransferable except in accordance withthe Rules and Regulations of the Board ofGovernors of the Federal Reserve System.

AUTOMATICALLY RENEWABLE:This certificate will be automaticallyrenewed for successive periods eachequal to the original term and interestrate until it is presented for payment on amaturity date or within 10 days thereafter.The bank has the right to change therate of interest or call the certificate for

payment on any maturity date bymailing written notice of any suchchange or redemption to the depositor.This certificate is not transferable exceptin accordance with the Rules andRegulations of the Board of Governors of the Federal Reserve System.

Sample Document Titles:OC1 Certificate of Deposit

Not Subject to CheckOC2 Time Savings Certificate

Not Subject to CheckOC3 Savings Certificate

Not Subject to CheckOC4 Investment Certificate

Not Subject to CheckOC5 Money Market Certificate

Not Subject to Check

Ask for document title by “OC” number shown.

Variable body copy accordingto your needs. Body copy anddocument title may be chosenfrom list above or may besubmitted.

CD ICRCertificate of Deposit

EC ICRExpense CheckThis check can be adapted for different uses. The words “Expense Check”are printed upon request.

WC ICRWindow CheckDesigned for use with standard window envelope (specify #85⁄8). Copiesprinted and numbered same as original. Available in original only, duplicate,triplicate, or quadruplicate.

Standard SECURESTAR® Safety Paper Checks

Size: Shown by Each Form

Colors: MOP - Gray and Blue

MOPS - Gray only


Parts: Unit Sets



Minimum Order: 500

NormalOrder: 1,000


THE SECURESTAR® PROGRAM

IS A SOLUTION FOR ANY

DOCUMENT THAT MAY BE

A TARGET FOR FRAUD

MOPS ICRSmall Personal Money Order3 '' x 7'' (includes a 3⁄4'' stub)Available in Unit Sets Only

Original and triplicate are givento purchaser/member andduplicate becomes financialinstitution’s register copy.

The word “Remitter”will be printedautomatically, unlessyou specify otherwise.

Duplicate is printed on white paper.

Triplicate is printed on pink paper.

Triplicate with Credit Union Verbiage is printed onpink paper.

Triplicate with Credit Union Verbiage isprinted on pink paper.


MOP ICRLarge Personal Money Order3 3/8'' x 9 1/8'' (includes a 3⁄4'' stub)

08

09


Colors: Gray and Blue


Parts: Unit Sets



Minimum Order: 500

NormalOrder: 1,000


EACH INNER CARTON

IS SEALED WITH

SECURITY SEAL TAPE

TO DETER TAMPERING

MO-2 ICRMoney Order With Lines

MO-1 ICRMoney Order Without Lines

Original and triplicate aregiven to purchaser andduplicate becomes financialinstitution’s register copy.

The word “Remitter”will be printedautomatically, unlessyou specify otherwise.


10

SECURESTAR® Parchment Checks

SECURESTAR® checks can be printed with all check formats shown previously in thiscatalog (except for the certificate ofdeposit) or we can design one for you.

PMT-2 ICRParchment, Green3 3/8'' x 9 1/8'' (includes a 3⁄4'' stub)

All imprintedinformation will bein black MICR inkand needs to be atleast 5⁄8'' from thebottom of the formin order to not incuradditional charges.

PMT-1 ICRParchment, Blue3 3/8'' x 9 1/8'' (includes a 3⁄4'' stub)

PMT-3 ICRParchment, Burgundy3 3/8'' x 9 1/8'' (includes a 3⁄4'' stub)

PMT-4 ICRParchment, Tan3 3/8'' x 9 1/8'' (includes a 3⁄4'' stub)

SECURESTAR® Prismatic Background Checks

11


Colors andAvailableImprint Area: See Page 4

Parts: Unit Sets


Security BondDuplicate, Triplicate orQuadruplicate: 20# Bond

Minimum Order: 1,000

NormalOrder: 1,000


FOR SECURITY PURPOSES,

THE SHIPPING LABEL WILL

NOT IDENTIFY THE

CONTENTS AS CHECKS

• Check Payment SystemsAssociation ApprovedPadlock Icon and Warning Band

• Microprint Signature Line• Fourdrinier Watermark

• Prismatic Background• Thermochromic Ink• Guaranteed No

Missing Numbers• Full Chemical Reactivity• Fluorescent Fibers• Security Packaging

• Security Thread Paper• Erasol Ink• Bleed-Through

Arabic Numbering• Modulus Check Digit

Consecutive Numbering

• Laid Lines Backer• Fluorescent Inks• Void Pantograph

*Optional security features requirethe check to be custom designed.

The following are the security features for SECURESTAR® Split Fountain Series:

FS-1Financial Secure Blue to Red

STANDARD OPTIONAL*

3DS-13D Secure Burgundy to Gray to Green

STARF-1 ICRStarline with foil gray to pink

PRP-1 ICRPrism Pinstripe Teal To Tan3 3/8'' x 9 1/8'' (includes a 3⁄4'' stub)

STARF-2 ICRStarline with foil gray to blue

3DS-1 contains theword “SECURE”three dimensionallyin the body of thecheck. This featuremakes duplicatingvery difficult.

12

High Security Holograms

Size: 3 3⁄8'' x 9 1⁄8'' (includes 3⁄4'' stub)


Parts: Unit Sets


Security BondDuplicate, Triplicate orQuadruplicate: 20# Bond

Minimum Order: 1,000

NormalOrder: 1,000


UNIQUE DESIGNS

COMBINED WITH

HOLOGRAMS PROVIDE

HIGH SECURITY

High brilliance, instantidentification and high definitionfeatures combined with severallevels of security create a highlycounterfeit-resistant image.

Holograms have quickly

become the proven

choice for protecting

documents that are

at high risk for fraud.

Governments, financial

organizations, and major corporations in

more than 20 countries have chosen to

use holograms for sensitive documents

such as banknotes, credit cards, visas, I.D.

cards, passports, driver’s licenses and

security labels.

Holograms are a unique and effective

response to forgery. The technology of

producing holograms has been highly

advanced over the last decade and

holograms now serve as the solution to

solving the problem of forgery of

documents. The advanced optical

technologies used - holography, lasers

and interferential lithography – have two

main advantages: they are instantly

recognizable to the naked eye and

uniquely resistant to counterfeiting.

We continue to feature a true hologram

security feature as part of the SECURESTAR®

Program. This makes it one of the best-

protected document security programs in

the marketplace. Holograms, plus the

many paper and ink features already in

the SECURESTAR® Official Check Program

mean many effective layers of protection

in the fight against check fraud. The

adhesive that bonds our hologram to

official checks is laser compatible, which

means no distortion of the holographic

image, and no problems with feeding or

delivery of documents.

Brightness, instant identification and

high definition are all features that

have been combined to form our

sophisticated hologram. For you, a

hologram brings the peace of mind that

comes with a highly counterfeit resistant

image that combines many visible and

hidden features.

HG-1 ICRHologram, Blue

HG-3 ICRHologram, Burgundy

HG-2 ICRHologram, Green

SECURESTAR® Backers

13

SECURESTAR® official checksare packed with securityfeatures from front to back.

All other checks

PMT-1PMT-2PMT-3PMT-4

HG-1HG-2HG-3

FS-13DS-1

LP-4B (Bottom Check) ICRSegment Size: 3 3/4'' x 3 5/8'' x 3 5/8''

LP-1T (Top Check shown) ICRLP-1M (Middle Check) ICRSegment Size: 3 1/2'' x 3 1/2'' x 4''

14

SECURESTAR® Pinstripe Laser Checks

Great designs that workwell with laser printers.

SECURESTAR® Pinstripe LaserChecks are printed ontoner fusing paper whichincreases toner adhesionso it is difficult to alter orremove information fromthe document withoutdestroying the paper.*

Since your software andhardware determines theline placement, we askthat for first time ordersyou provide a sample or strike off of the lasercheck to be printed.

Size: 11'' x 81⁄2''


Parts: Laser Cut SheetsNote: Check placement options areindicated above each segment size.


Security Bond with increased toner adhesion*

Minimum Order: 500

NormalOrder: 2,000


REDUCE CHECK

FRAUD LOSSES WITH

SECURITY FEATURES

33⁄4''

35⁄8''

35⁄8''

31⁄2''

31⁄2''

4''

31⁄2''

1⁄2''

31⁄2''

31⁄2''

Pinstripe Laser Check Colors:

ReflexBlue

GreenPMS 355

BurgundyPMS 201

YellowPMS 128

LP-3P (3-On-A-Page Checks) ICRSegment Size: 3 1/2'' x 3 1/2'' x 3 1/2'' x 1/2''

LP-6P (3-On-A-Page Checks Shown) ICRLP-6T (Top Check) ICRSegment Size: 3 2/3'' x 3 2/3'' x 3 2/3''

35⁄8''

35⁄8''

33⁄4''

LP-5T (Top Check) ICRSegment Size: 3 5/8'' x 3 5/8'' x 33/4''

LASER CHECK NUMBERING OPTIONSUse the following guide to determine check numbering:

32⁄3''

32⁄3''

32⁄3''

Standard Ascending printer pulls from top, face up in tray, lowest number on top

Standard Descending printer pulls from bottom, face up in tray, highest number on top

Reverse Ascending printer pulls from top, face down in tray, lowest number on top

Reverse Descending printer pulls from bottom, face down in tray, highest number on top

OPTION CFace Up 100

OPTION DFace Down 100

OPTION AFace Up 1

OPTION BFace Down 1

15

Please indicate on your order whichnumbering option (A,B,C or D) fits yourlaser printer.

To choose which numbering option fitsyour system best, conclude whetherthe documents require reverse orstandard numbering by determining ifthe documents are placed face up orface down in the tray and whetherthe printer pulls from the top or thebottom of the tray.

Custom Official Checks

Rev. 07/08NMK CC107

In addition to our safetypaper checks and standardprismatic backgroundchecks, you also have theoption of designing customofficial checks that containyour logo or an image thatrepresents your institution.

These images can berepeated throughout thebackground or shadowprinted at the center. Buildyour custom check byselecting a background,colors, border treatment,paper options and more.

The SECURESTAR® securityfeatures will be included in paper selection as well as printing options. This isyour check and you candetermine how manyfeatures are incorporatedaccording to your needs.

THE SECURESTAR® PROGRAM IS THE PERFECT SOLUTION FOR ANY PRINTED PAPER DOCUMENT THAT MAY BE A TARGET FOR FRAUD.

Birth & Death Certificates • Coupons • Deeds • Diplomas & Transcripts Food Stamps • Gift Certificates • Titles of Ownership • Money Orders • Prescription Blanks

Purchase Orders • Rebate Checks • Receipts • Stock Certificates • Transportation or Event Tickets

Documents

The Problem - Denhardt Solutions · Discover the peace of mind that you will experience when choosing the protection provided by our SECURESTAR ® Program. Protection that helps prevent