The Issues:
The production of fraudulent negotiable documents continues to grow at a phenomenal rate. Hundreds of millions of negotiable documents are being reproduced annually.

The Trends:
Forgery was once a highly skilled and time consuming trade endeavored only by true craftsmen. No more. The relatively low cost and user friendliness of desktop publishing systems and their advanced components (high resolution scanners, color copiers, color laser printers) have made document fraud a multi-billion dollar industry. Every business is a primary target.

Other documents, including coupons, gift certificates, college diplomas, purchase orders, certificates of deposit, title and deposit slips offer significant value to forgers.

To educate our customers as to:

The purpose of security-related features:

• The specific benefits of each enhancement
• The vast array of features available
• The negative implications of choosing not to
• Incorporate preventative measures.

No feature guarantees that a given document will not be fraudulently reproduced. Any added difficulty in duplication, however, should be enough to discourage a fraudulent incident.

The legal concept of Due Diligence offers further incentive. Simply put, the issuer of a negotiable document must take reasonable and customary care that any document it issues contains security features that will discourage fraudulent incidents. If it fails to take such care, a bank or business that honors the altered document is usually not liable.

A vast array of Security Features is continuously being developed to defend against chemical alteration, erasure, toner removal, photocopying and counterfeiting.

A) Border copy warning- a notice or warning designed to advise of specific secuirty features utilized on a document.

B) Microprinted signature line- minature print of a company's name repeated on a signature line. When an attempt is made to photocopy a document containing this security feature, such instances will normally produce a straight line or unreadable copy. A microprinted signature line may be verified with a magnifying glass.

C) Bleed thru micro and arabic numbering- a special dye conatined in the ink that causes micro and arabic numbering to show through on the back of a document.

D) Embossing- pattern or logo formed into paper resulting in a raised image. gives a distinctive appearance.

E) Foil stamping- a hot stamped decorative feature almost impossible to copy or scan. oil stamping is available in a variety of colors.

F) Holographic stamping- a hot stamped image appearing as three dimensional or rainbow colored. Almost impossible to scan or copy.

G) Void pantograph- background designs or screens which expose a hidden void pattern when scanned or copied.

H) Fluorescent artificial watermark- visible under ultraviolet (black) light or when held at 45 degree angle. copier and scanner resistant.

1) Flourescent fibers- invisible unless exposed under ultraviolet (black) light where fibers appear as bright, glowing yellow threads. copiers cannot reproduce.

J) Toner grip- a supplemental feature developed for the purpose of thwarting attempts by forgers to alter laser printed documents. A unique surface treatment, applied at mill yields greater adhesion.

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