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  home > Protecting Against Online Fraud  
     
  Protecting Your Security  
  Beware of Fraudulent Emails
There’s a new type of Internet piracy called “phishing.” It’s pronounced “fishing,” and that’s exactly what these thieves are doing: “fishing” for your personal financial information. What they want are account numbers, passwords, Social Security numbers, and other confidential information that they can use to loot your checking account or run up bills on your credit cards.
In the worst case, you could find yourself a victim of identity theft. With the sensitive information obtained from a successful phishing scam, these thieves can take out loans or obtain credit cards and even driver’s licenses in your name. They can do damage to your financial history and personal reputation that can take years to unravel. But if you understand how phishing works and how to protect yourself, you can help stop this crime.
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Your role in protecting personal information
+ Do not respond to un-solicited e-mails from companies with which you do business requesting that you re-validate personal information or that link to Web sites requesting that you re-validate personal information. Should you receive such an e-mail, contact the company directly via phone or by typing in their home URL directly to determine the validity of the e-mail.
+ If e-mails or Web sites contain typographical or grammatical errors, review them carefully as these are often signs of fraud attempts to compromise your information.
+ Do not click on "links" you receive in an e-mail message. Open your browser and enter the address directly.
+ Do not share your ID or password with anyone.
+ Change your password regularly.
+ Only provide your personal or account information online to sites you trust and where you initiated the contact.
+ Remember to sign off the Web site once you have submitted an application or completed a secure online session.
+ When your computer is not in use, shut it down or disconnect it from the Internet.
+ Only provide your ID and passcode when your browser indicates an encrypted connection. An encrypted connection is normally indicated by an "https://" in your browser's address bar in front of the address of the page you are visiting.
+ If you think you may have provided information to a fraud perpetrator, change your password immediately and monitor your account activity frequently.

Computer virus protection
+ Anti-virus protection. If your computer becomes infected with a virus, you could possibly lose information and incur repair expense. Make sure your computer has an anti-virus protection program installed to reduce the risk of your computer becoming infected.
+ Automatic upgrades. We recommend that you purchase a program that automatically upgrades your virus protection on a recurring basis. If you currently do not have this automatic upgrade feature, make sure you update your virus detection program weekly and when you hear of a new virus.
+ Attachments. We advise not to open attachments or diskettes unless you are certain that you can trust the source. Learn how to manually screen diskettes and attachments if your anti-virus software does not automatically screen for viruses.