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To ensure a satisfactory outcome, align the image (uploaded photo) to the left of the card so required logos do not cover the image.

Scammers also often list themselves as widowed (especially with a child), self-employed, or working overseas.

Even if you have a Chip and PIN card, the magstripe contains almost enough information for a crook to convince a website they have your card.

For example, your name as it appears on the front of the card, the “long code”, usually 16 digits across the face of the card, and the expiry date are all there on the magstripe, ready to be copied surreptitiously and used on the web.

Image and copies thereof shall not be returned to you for any reason.

Your my Pic Studio card remains the property of Community Spirit Bank and you agree to immediately return or destroy the card if asked by Community Spirit Bank for any reason, or if the account to which your my Pic Studio card is linked to is closed.

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