Update Saturday, July 11, 2020

LOBBIES TEMPORARILY CLOSED; DRIVE-THROUGH SERVICES EXPANDED

Navigator Branch lobbies will be temporarily closed beginning Monday, July 13, and continuing until further notice. We are offering expanded drive-through services at all Branches during regular business hours, Monday – Friday, 9 a.m. – 5 p.m., and Saturday, 9 a.m. – 1 p.m., for Branches with Saturday hours. Members who need personal assistance or access to in-Branch services are asked to call the Member Contact Center at 800-344-3281 to schedule an appointment at any Mississippi or Alabama Branch.  For a complete list of locations and hours, click here.

COVID-19 is still impacting communities all along the Mississippi and Alabama Gulf Coasts, making continued diligence important to the health and safety of all. Navigator Members have many options for conducting banking remotely, conveniently and safely. Our N'Touch services (mobile app, online banking and audio) give Members 24/7 access to account information with no waiting and zero exposure. For details about banking from any phone, visit navigatorcu.org/n-touch-audio. Or use your smart phone or computer to log in to our mobile app or online banking. More information about remote banking options can be found at navigatorcu.org/community-strong.

Another remote banking option is the Web Payment Center. You can make online payments for any Navigator loan using your debit or credit card. To make an online payment for a Navigator loan, please visit the Web Payment Center.

We regret any inconvenience to our Members and encourage everyone to take all necessary precautions to protect their health and the health of others.

Update Friday, July 3, 2020

MEMBERS ASKED TO WEAR MASKS IN BRANCH LOBBIES

Many local communities continue to deal with the health and safety issues related to the COVID-19 pandemic, with the number of cases often growing rather than decreasing as hoped. There is now increased emphasis on the importance of wearing face coverings to help protect one another from the spread of this dangerous illness. In some municipalities within our service area, wearing masks in public has become required by law. In accordance with CDC recommendations, requests issued by Mississippi and Alabama Governors and in some cases local ordinance, Navigator is asking all Members to wear protective face coverings while in public, including when visiting Credit Union Branches. Cloth face covering protect others and have been shown to provide a degree of protection to those wearing them as well. The health and safety of our Members and of our Team Members on the financial front lines making needed financial services available is of the utmost importance. Please join us in wearing masks whenever you visit a Navigator Branch lobby. For those who prefer not to wear masks or for whom wearing them poses a challenge, drive-through service is available at all Branches. In addition, we provide a number of options for banking remotely, including N'Touch online banking, audio and mobile app. More information about accessing and using remote banking services is available on this COVID-19 page and our Community Strong page.

Remember, today it's as important as  ever to observe recommended health and safety practices, including social distancing of at least six feet, avoiding large public gatherings and groups of more than 10 people, and frequent hand washing of at least 20 seconds or the use of hand sanitizer when soap and water are not available. In addition, everyone is strongly encouraged to wear a face covering or mask when in public. Let's work together to protect one another!

Update Wednesday, July 1, 2020

NAVIGATOR EXTENDS COVID-19 RELIEF LOAN APPLICATION DEADLINE 

Even as we move toward and hope for a return to normal, we are facing continued challenges as a result of the Coronavirus pandemic. In response to the ongoing financial hardships faced by too many of our Members, Navigator has extended the application deadline for our COVID Relief Loan. Special emergency COVID Relief Loans are now available through Friday, July 31, in amounts up to $1,500 with terms up to 15 months, based on lending criteria. There is no income or employment requirement and a simple online application with priority processing. For complete details including a link to the application, click here.

We’re committed to continuing to provide the financial services and support you need during this unprecedented time. We’ll navigate this together!

Update Wednesday, June 10, 2020

BANK REMOTELY, INCLUDING ONLINE LOAN PAYMENTS 

COVID-19 is still impacting our state and nation, making continued diligence important to the health and safety of all. Navigator Members have many options for conducting banking conveniently and safely. Our N'Touch services (mobile app, online banking and audio) give Members 24/7 access to account information with no waiting and zero exposure. For details about banking from any phone, visit navigatorcu.org/n-touch-audio. Or use your smart phone or computer to log in to our mobile app or online banking. More information about remote banking options can be found at navigatorcu.org/community-strong. Another remote banking option is the Web Payment Center. You can make online payments for any Navigator loan using your debit or credit card. To make an online payment for a Navigator loan, please visit the Web Payment Center. 

We encourage all Members to take advantage of the many options for social distancing while banking. And if you do need to visit a Branch, consider to using the drive-through for deposit and withdrawal transactions. When entering Branch lobbies, please be sure to practice social distancing and consider joining us in wearing a mask. And remember, be sure to stay home and self quarantine if you are coughing, have a fever or otherwise feel unwell. We take the health and the safety of our Members and our employees very seriously. Let's continue to work together to protect one another!

 

Update Monday, June 1, 2020

BRANCH LOBBIES ARE OPEN AS WE ENTER "SAFE RETURN" 

As we welcome Safe Return and progress towards normalcy, all Navigator Branches are open and serving Members with lobby and drive-through service during regular hours of operation. And when you visit, you can rest assured we are taking the health and the safety of our Members and our employees very seriously.

To do our part to minimize the possibility of transmitting the Coronavirus and in compliance with government and public health advisories, we’ve made changes which support increased sanitation and social distancing. We're honoring our commitment to be here for you when you need us! We've added 6' social distancing circles on our lobby floors and hand sanitizing stations in each Branch. Some Branches also have one-way entrances and exits designated, and there are directional arrows to help you know the safest routes in and out. We've also added new signs for improved communication. In addition, there are now transparent screens in place, and our Team Members are all wearing face masks for your protection.

We also know that minimizing personal contact remains the best way to limit the potential for spreading the Coronavirus and recommend taking advantage of remote banking options whenever possible. Our Member Contact Center remains available for your calls six days a week, and you can continue to conduct most transactions 24 hours a day using online and mobile banking, ATMs or by telephone.

We’re committed to continuing to provide the financial services and support you need during this challenging time. We’ll navigate this together!

Update Tuesday, May 26, 2020

COVID RELIEF LOAN APPLICATION DEADLINE EXTENDED 

Despite all our efforts to get back to a new normal, Navigator recognizes many of our Members continue to experience financial difficulties due to the effects of COVID-19. One way we’re helping Members during these still uncertain times is with a special emergency relief loan. COVID Relief Loans are available in amounts up to $1,500 with terms up to 15 months, based on lending criteria. There is no income of employment requirement and a simple online application with priority processing. The deadline to apply has now been extended to June 30, 2020. For complete details about this special loan, click here.

Update Thursday, May 21, 2020

#CommunityStrong: FEEDING OUR COMMUNITIES

Navigator is proud to support our neighbors who are facing hardship. As part of our #CommunityStrong initiative, we're donating to Feeding the Gulf Coast to provide thousands of free meals to help meet the overwhelming need caused by the effects of COVID-19.  We're also helping raise funds so the good work can continue! Visit our campaign page to join us in fighting hunger in our communities. Learn more about what we’re doing to help our communities at navigatorcu.org/community-strong.

Update Tuesday, May 19, 2020

EXTREMELY HIGH CALL CENTER VOLUME

Navigator's Member Contact Center continues to be experiencing extremely high call volume due to the circumstances related to the pandemic. Our friendly and helpful MCC Team Members look forward to assisting Members with a wide variety of services, including debit card questions, loan applications, and account payments. If the wait time is inconvenient, you can leave a message requesting a call back without losing your place in the queue. Member Contact Center hours are Monday-Friday, 8:30 a.m.-5 p.m., and Saturday, 8:30 a.m.-1 p.m.

Update Tuesday, May 12, 2020

SOCIAL DISTANCING WHILE BANKING CONTINUES

We hope you and your loved ones are safe and healthy. During this Safer-At-Home transition, Navigator is continuing to prioritize Member and Team Member health and safety. Our commitment is to provide the most secure and convenient member experience possible, and our social distancing while banking procedures remain in effect for the time being. All Mississippi Branches and four Alabama Branches are offering  expanded drive-through services, with Saturday hours at several locations. Appointments for services requiring in-Branch visits can be arranged by calling our Member Contact Center, 800-344-3281. To help make it easier for you to remain safer at home, we've gathered together all the information you need about banking with Navigator in one convenient place. We appreciate your cooperation and understanding as we all navigate this together!

MEMBERS WITH DEBT PROTECTION MAY BE ELIGIBLE FOR BENEFITS

If you purchased Navigator Debt Protection on a loan with us and are having financial issues due to a protected loss, please contact us to file a claim or discuss what benefits may be available.  If elected, the protection may cancel your loan balance or monthly payment in the event of a protected event, like a disability or period of involuntary unemployment. Please contact us for more information including terms and conditions. As part of the same community, Navigator is committed to doing our part to keep us safe and sound throughout ongoing developments related to the coronavirus (COVID-19).

TRUSTAGE & LIBERTY MUTUAL ASSISTING MEMBERS AS COVID CRISIS CONTINUES

Navigator’s partner in offering affordable insurance coverage is taking action to support our Members. Effective from March 12, TruStage will not cancel or nonrenew any policies for failure to pay premiums due for 90 days. This applies to AD&D, Health Insurance and Life Insurance. In addition, Liberty Mutual will work with any Member who needs assistance in deferring auto or homeowner payments to avoid cancelling their policies.

Update Tuesday, April 28, 2020

COVID RELIEF LOANS AVAILABLE

Navigator recognizes the financial difficulties many of our Members are experiencing during these uncertain times, and to help Members affected by the pandemic, we've developed this special emergency relief loan. COVID Relief Loans are available through May 31, 2020, in amounts up to $1,500 with terms up to 15 months, based on lending criteria. There is no income or employment requirement and a simple online application with priority processing. For complete details about this special new loan, click here.

Update Monday, April 27, 2020

GOVERNMENT STIMULUS CHECKS

The U.S. Treasury has been sending Economic Impact Payments (COVID-19 Relief Stimulus Checks) to taxpayers, and Navigator is committed to doing everything we can to ensure our Members receive the full amount of the relief checks to help them at this difficult time. There is a confusing time, and we’re all dealing with circumstances we’ve never before faced. We hope this helps answer some of the questions you may have:

Members Who Have Not Received Payments - The IRS website allowing individuals to check the status of their economic stimulus payments is live. It’s https://www.irs.gov/coronavirus-tax-relief-and-economic-impact-payments. Many people who have not had stimulus payments directly deposited into their accounts will be receiving paper checks in the days ahead. We encourage you to deposit those funds in your Credit Union account where they will be safe and are federally insured.

Incorrect Account Numbers – Our Accounting Team is working through scores of ACH deposits with account number errors and making those deposits for our Members whenever possible. We are waiving the $20 manual adjustment fee usually charged in those cases.

Closed Checking Share and Checking Shares with Negative Balances - For payments attempting to automatically deposit into closed checking shares or checking shares with negative balances, we’ll look for an open share account and make the deposit there. We will not be using the stimulus funds to cover any outstanding fees or negative balances, although as a Member you do have the option to use any of the money to help cover those chages.

Returned Payments – For closed accounts with no open share and in some other rare cases, Navigator may have to return the stimulus payments to the federal government. In those cases, it will be up to the individuals to attempt to arrange payment.

Two-Party Checks - If a check is made out to a Member and non-member, both must be present, so we can verify the identity of both people and write the ID information for the non-member on the back of the check. If only one person is present, we are not able to negotiate the check due to CIP (Customer Identification Program).

Name Change - If your last name has changed since the last time you filed taxes and we have no record of a name change, we will need to see something showing that change (i.e. divorce decree, marriage license, etc.) to prove your true identity. This is to protect our Members and ensure their stimulus funds are not being accessed fraudulently.

Working in Your Best Interest - We’re committed to going above and beyond to help our Members get the relief funds into your accounts and available to you. To help make it easier for you to remain safer at home, we've gathered together all the information you need about banking with Navigator in one convenient place.  We appreciate your cooperation and understanding as we all navigate this together!

Update: Friday, April 24, 2020

WE ARE #CommunityStrong

We understand you may be overwhelmed with trying to keep up with all the things you need to know right now. During this uncertain time, we've gathered together all the information you need about banking with Navigator in one convenient place. Let's work together to protect one another!

Update: Saturday, April 18, 2020

ALABAMA BRANCH CHANGES; CALL CENTER VOLUME

Effective Monday, April 20, our Hillcrest Branch in Mobile is closed temporarily to reallocate resources to other areas. In addition, our Daphne Branch is discontinuing Saturday hours until further notice. The deposit-capable ATMs and Night Deposit drops remain available at both locations. We sincerely regret any inconvenience!

The Member Contact Center continues to be experiencing extremely high call volume due to the circumstances related to the pandemic. Our friendly and helpful MCC Team Members look forward to assisting with a wide variety of services, including debit card questions, loan applications, and account payments. If the wait time is inconvenient, you can leave a message requesting a call back without losing your place in the queue. Member Contact Center hours are Monday-Friday, 8:30 a.m.-5 p.m., and Saturday, 8:30 a.m.-1 p.m.

Update: Wednesday, April 15, 2020

IRS COVID RELIEF WEBSITE NOW LIVE 

The Internal Revenue Service launched a website providing Americans with the status of their Economic Impact Payment. It includes the date it's scheduled to be deposited or mailed. To check the status of your Economic Impact Payment, click here.

Update: Thursday, April 2, 2020

A SPECIAL MESSAGE TO OUR MEMBERS FROM NAVIGATOR'S CEO

Dear Navigator Members,

Thank you for your membership in Navigator Credit Union and for the ongoing trust you have placed in us. We continue to navigate uncharted waters as our nation responds to developments related to COVID-19 (Coronavirus). And while many things are uncertain at this time, you can rely on your Credit Union to be here, ready to serve your needs.

We want to assure you that financial institutions such as credit unions are considered essential businesses. Despite emergency orders which may affect the operation of many other businesses, we will remain available to serve you. Navigator is well capitalized and financially strong, and your funds on deposit here are federally insured.

You can also rest assured we are taking the health and the safety of our Members and our employees very seriously. To do our part to slow the spread of the COVID-19 virus and in compliance with government and public health advisories, we’ve made some changes as we honor our commitment to be here for you when you need us.

All Navigator Branches are now serving Members with drive-through service during regular hours of operation, and our Member Contact Center remains available six days a week. Although lobbies are closed, you can make an appointment for services which require a Branch visit. In addition, you can continue to conduct most transactions 24 hours a day using online and mobile banking, ATMs or by telephone.

We also want Navigator Members who are dealing with financial difficulties as a result of the COVID-19 outbreak to know you can request a review of your situation. If you’d like to ask for consideration due to special circumstances, you can call our Member Contact Center at 800-344-3281. Each request will be handled confidentially and on a case-by-case basis.

We appreciate our Members – you’re at the heart of all we do! Please take all necessary precautions to protect yourselves and your loved ones as our communities are impacted by COVID-19.

Sincerely,


Sonya Jarvis
President & Chief Executive Officer

Update: Friday, March 27, 2020

MANY REMOTE BANKING OPTIONS AVAILABLE TO MEMBERS

Navigator Credit Union wants to provide our Members with the best banking experience possible during the COVID-19 pandemic. Did you know you can conduct most transactions remotely? Here is an overview of the many ways you can bank while practicing social distancing. Remember, you are protecting your health and the health of those you care about by staying home whenever possible. A handy information card with remote banking options is available at all Navigator drive-throughs.

OPTION WHERE OR HOW? WHAT CAN I DO HERE?
Online banking Access N’ Touch Web at navigatorcu.org
or download the Navigator Mobile App on the Apple Store or Google Play
• Account inquiries and transfers
• BillPay
• Loan payments
• Mobile check deposit
ATMs See Locations page on navigatorcu.org
or search the Navigator Mobile app for
a nationwide network of surcharge-free
ATMs
• Cash withdrawals
• Account balance
• Deposits (not available at all locations)
Website navigatorcu.org • Locations information
• Loan applications
• New account openings
• Product information
• Online banking access
Telephone N’ Touch Audio
800-344-3281, option 1
Requires Member number and PIN
• Balance inquiries
• History inquiries
• Transfers
• Loan information
• Withdrawals
• Checking information
Member
Contact Center
800-344-3281
Hours:
Monday - Friday:
8:30 a.m. - 5 p.m.
Saturday:
8:30 a.m. - 1 p.m.
• Account inquiries and transfers
• Online banking enrollment and support
• Loan applications
• Loan payments
• Debit/credit card issues or questions

 

To make an IRA withdrawal, access your safe deposit box or get assistance with any other services which require an in-Branch visit, please call the Member Contact Center at 800-344-3281 to set up an appointment.

Update: Friday, March 20, 2020

LOBBIES CLOSED, DRIVE-THROUGH SERVICES EXPANDED

All Navigator Branches are now offering drive-through services only, and drive-through services have been expanded to allow for most typical in-Branch transactions.

Almost all services Members have traditionally handled by visiting a Branch can be accomplished using remote and digital methods. We encourage you to take advantage of these options for your basic banking needs until the current situation is resolved. This information site offers details about all the many alternatives to in-person Branch transactions. If you need assistance getting started, please call our Member Contact Center, 800-344-3281. (Increased call volume means longer wait times to speak with a Navigator Team Member. You can request a call back without losing your place in the queue.)

BRANCH VISITS BY APPOINTMENT ONLY

Members can call our Member Contact Center (800-344-3281) to make appointments for services which require Branch visits, including account openings, loan closing, safe deposit box access and IRA withdrawals.

MEMBER RELIEF REQUESTS

Navigator Members who are dealing with financial difficulties as a result of the COVID-19 outbreak can submit a request asking for a review of your situation. Such requests will be handled on an individual basis and relief assistance, if granted, will vary case by case.

Members seeking consideration due to circumstances resulting from the COVID-19 outbreak can request assistance from any Navigator Team Member or call our Member Contact Center at 800-344-3281. Information required includes Member’s name, contact information, account/loan number and brief explanation of the situation.

YOU CAN RELY ON US

Navigator is limiting in-person interactions in our efforts to reduce the potential spread of COVID-19. It’s one more way we’re working in the best interest of our Members!

Original: Monday, March 16, 2020

WHAT WE’RE DOING

Our top priority is keeping our workplace safe and free from infection so we can continue providing services to our Members. Some of the things we’re doing include:

  • Cleaning lobbies, offices and public spaces with increased frequency and thoroughness;
  • Practicing social distancing – maintaining 6 feet from other employees and visitors;
  • Providing hand sanitizer at all locations;
  • Restricting travel that might put employees at risk, including from Branch to Branch and asking all employees to avoid large gatherings;
  • Instructing employees to stay home if not feeling well;
  • Implemented guidelines for frequent hand washing and posted additional reminders;
  • Making disposable gloves available for employees who wish to use them;
  • Limiting in-person employee meetings and placing restrictions on in-person vendor meetings;
  • Testing remote access for employees.

In addition, Navigator’s 81st Annual Shareholder’s Meeting scheduled for Tuesday, March 24, has been cancelled. Results of the election will be made available at a later date.

We’ll continue to evaluate additional measures to support our Members and our communities as needs arise. In addition, Navigator’s comprehensive Business Continuity Plan (BCP) is in place to prepare for any contingency and is being updated to address the current situation. Please continue to watch for emails from us, follow us on social media and check back here for updates.

We want to provide you with uninterrupted service, so please avoid visiting a Branch if you are not feeling well. Instead, take advantage of one or more of the many online, mobile and telephonic ways to manage your accounts.

HOW TO STAY CONNECTED

In an increased effort to keep you safe, we encourage you to use the many ways you can conduct banking and financial transactions remotely, including taking advantage of the many e-Services we offer. Our goal is to provide you with exceptional, uninterrupted service.

Direct Deposit: Your paycheck can be ready and waiting for you in your Navigator checking and/or savings account each payday when you set up direct deposit with your employer.

Debit cards: Having a debit card is the first step to ensuring ready access to your funds. If you don’t already have a debit card, you can get one instantly-issued at any Branch. Your new debit card will automatically activate at 7 p.m. the same day and can be used anywhere VISA® is accepted. If you are not already a Navigator Platinum Rewards cardholder, you may want to consider applying to have additional resources available.

 ‘N Touch Web online banking: A free and easy-to-use alternative to visiting a Branch. You can check balances, transfer funds, make loan payments and more from your desktop or mobile device 24 hours a day.

Navigator Mobile App:  All the features of online banking right on your smart phone. Plus, you can deposit most checks with a click of your camera. Download via Apple Store  or Google Play.

Member Contact Center: You can call Navigator’s Member Contact Center at 800-344-3281, Monday – Friday, 8:30 a.m. - 5 p.m. and Saturday, 8:30 a.m. - 1 p.m. Helpful and friendly Navigator Team Members are just a phone call away and ready to assist you with almost anything you could accomplish by visiting a Branch, including accepting payments and taking loan applications.

‘N Touch Audio: Day or night, you have convenient access to your account information. You can check balances, review account activity, transfer funds and more right from your phone. Learn how to make use of the many features offered at the push of a button through ‘N Touch Audio.

Deposit-capable ATMs: You can deposit cash or checks using one of our deposit-capable ATMs. You can find a full list by clicking here.

ATMs: Navigator Members have access to more than 80,000 surcharge-free ATMs nationwide. To find the closest ATM, click here.

Night Drops: Each Branch has a drive up night deposit box where you can make deposits. The funds will be credited to your designated account the following business day.

Shared Branching: As a member of the CO-OP Shared Branching network, Navigator Members have access to more than 5,000 branches nationwide. These partner branches can serve your banking transactions just like a Navigator Branch. Locate a branch near you.

Online Bill Pay: Navigator offers free online Bill Pay to our Members as part of our ‘N Touch Web online banking services. You never have to worry about having stamps on hand or whether the Post Office is open knowing you can conveniently pay your bills online. You can also view upcoming payments, track payment history and select the date the bill is paid. For details on getting set up, visit this link.

Other Online Services:  Securely apply online for membership and loans anytime using our web portal.

Non-Digital Suggestions: While your debit card is the simplest and most widely used tool for purchasing, here are some offline suggestions when preparing for the unexpected:

  • Checks: If you have a checking account, consider ordering a small quantity of checks to have on hand.
  • Cash: You may want to keep a small amount of cash available for emergencies. It should not be much, as it can be lost or stolen. Your money in your Navigator account is safe and earning interest until you need it.

WHAT YOU CAN DO

Stay informed: For the most up-to-date information on COVID-19, please be sure to visit the Centers for Disease Control and Prevention (CDC) website.  In addition, the Mississippi State Department of Health and the Alabama Department of Public Health are terrific resources for what’s happening in our states.

Follow everyday prevention: There are things you can do to help prevent the spread of respiratory diseases, as outlined by the CDC:

  • Wash your hands often with soap and water for at least 20 seconds, and if soap and water are not available, use an alcohol-based  hand sanitizer;
  • Avoid touching your eyes, nose and mouth with unwashed hands;
  • Avoid close contact with people who are sick;
  • Stay home when you are not feeling well;
  • Cover your mouth and nose with a tissue when you cough or sneeze, then throw the tissue away and wash your hands;
  • Practice social distancing, including avoiding shaking hands and staying away from large public gatherings.

Beware of scams: Fraudsters take advantage of opportunities in times of fear and uncertainty. Watch out for sites that ask for personal information in exchange for medical advice, sites that sell products with false claims and sites posing as charities asking for donations. Remember, Navigator Credit Union will not call you or send you an email asking for your sensitive information. The Federal Trade Commission has some tips to help you avoid scammers looking to take advantage of you at this time of fear and uncertainty.

The National Credit Union Association also offers some good advice as to how you can protected yourself against fraud.

Add Card Valet: Navigator’s free CardValet® is one of the best card management and fraud mitigation tools for debit and credit cardholders. Simply download the free app from the Apple® App Store or Google® Play Store, and then turn off your card when you’re not using it to help prevent fraud and easily turn it on when you’re ready to use it. And real-time alerts keep you informed, putting control of your Navigator debit and credit cards right in your hands.

YOUR FUNDS ARE INSURED

This is a time filled with uncertainties, but something you don’t have to worry about is the security of your funds. Please be assured your deposits are safe. Navigator Credit Union is well-capitalized and financially strong. Plus, your funds are federally insured by the National Credit Union Administration (NCUA) to at least $250,000 per individual depositor and backed by the full faith and credit of the United States Government.

WE’RE HERE FOR YOU

We want to thank you for your support and understanding as we continue to respond to this emerging public health issue. We’re committed to serving our Members and keeping our promises to work in your best interest and help you achieve financial success.

Navigator understands that times like these can be challenging. If you are affected financially due to the COVID-19 (Coronavirus), please let us know, and we’ll talk through your situation to see if there are ways we can help. Whether you need assistance accessing e-Services or want to find out about loan options, the best way to get started is to call the Member Contact Center at 800-344-3281.

We appreciate your membership in Navigator Credit Union; our Members are at the heart of all we do. In this uncertain time, we urge you to take all necessary precautions to protect yourselves and one another.