Protecting Yourself from Email Scams and Attempts to Steal Your Personal Information:

There's a 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.

Here's how phishing works:

In a typical case, you'll receive an e-mail that appears to be from a reputable company that you recognize and do business with, such as your financial institution. In some cases, the e-mail may appear to come from a government agency, including one of the federal financial institution regulatory agencies such as the FDIC

The e-mail will probably warn you of a serious problem that requires your immediate attention. It may use phrases, such as "Immediate attention required," or "Please contact us immediately about your account."

The e-mail will then encourage you to click on a button to go to the institution's Web site. In a phishing scam, you could be redirected to a phony Web site that may look exactly like the real thing.

Sometimes, in fact, it may be the company's actual Web site. In those cases, a pop-up window will quickly appear for the purpose of harvesting your financial information. In either case, you may be asked to update your account information or to provide information for verification purposes: your Social Security number, your account number, your password, or the information you use to verify your identity when speaking to a real financial institution, such as your mother's maiden name or your place of birth.

If you provide the requested information, you may find yourself the victim of identity theft.

How to protect yourself:

1. Never provide personal information in response to an unsolicited request, whether over the phone or over the Internet. E-mails and Internet pages created by phishers may look exactly like the real thing. They may even have a fake padlock icon that ordinarily is used to denote a secure site. If you did not initiate the communication, you should not provide any information.
2. If you believe the contact may be from us, contact Connecticut Community Bank, N.A. yourself. You can find our phone numbers on the monthly statements you receive from us or on our website (www.ccbankonline.com). The key is that you should be the one to initiate the contact, using contact information you have verified yourself.
3. Never provide your password over the phone or in response to an unsolicited Internet request. We would never ask you to verify your account information online. Thieves armed with this information and your account number can help themselves to your savings.
4. Review account statements regularly to ensure all charges are correct. If your account statement is late in arriving, call us to find out why, or sign up for electronic account access to periodically review activity online to catch suspicious activity.

What to do if you fall victim:

• Contact us immediately and alert us to the situation.
• If you have disclosed sensitive information in a phishing attack, you should also contact one of the three major credit bureaus and discuss whether you need to place a fraud alert on your file, which will help prevent thieves from opening a new account in your name. Here is the contact information for each bureau's fraud division:
  

  Equifax	Experian	TransUnion
  800-525-6285 P.O. Box 740241 Atlanta, GA 30374 www.equifax.com	888-397-3742 P.O. Box 9554 Allen, TX 75013 www.experian.com	800-680-7289 P.O. Box 6790 Fullerton, CA 92634 www.transunion.com

• Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov, or by calling 1-877-IDTHEFT.

You Can Fight Identity Theft - Here's how:

Never provide personal financial information, including your Social Security number, account numbers or passwords, over the phone or the Internet if you did not initiate contact.

Never click on the link provided in an e-mail you believe is fraudulent. It may contain a virus that can contaminate your computer.

Do not be intimidated by an e-mail or caller who suggests dire consequences if you do not immediately provide or verify financial information.

If you believe the contact is legitimate, go to the company's Web site by typing in the site address directly or using a page you have previously bookmarked, instead of a link provided in the e-mail.

If you fall victim to an attack, act immediately to protect yourself. Alert us and other financial institutions. Place fraud alerts on your credit files. Monitor your credit files and account statements closely.

Report suspicious e-mails or calls to the Federal Trade Commission through the Internet at www.consumer.gov or by calling 1-877-IDTHEFT.

Related Helpful Videos on Protecting Yourself

• Phishing: Don't take the bait!
• Identity Theft: Protect Yourself
• Fraud: If It Sounds Too Good to Be True, It Probably Is