At Providence Bank, we understand that the security of your information is important to you and want you to be able to feel confident that any transaction or information you provide to us through our web site is secure. Our success depends on our ability to safeguard and validate the trust that you have placed in us as your financial service provider. To offer web-based banking services in a secure manner, we utilize the defenses described below. The use of these security measures provides us the ability to properly authenticate your identity as you access these services and protect your information as it traverses the Internet between your computer and Providence Bank.

Security Passwords

We utilize security passwords as a means of esnsuring we're working with a real customer. We rely on you to keep your passwords secure, and known only to you. Do NOT share your access code with anyone. Also, do NOT write your password on, or store it with, your financial records so it can be identified as your password to your account information. If you feel that anyone has accessed your information without authorization, contact us immediately and we will enable you to select a password. To further protect unauthorized access, only a limited number of unsuccessful tries to access the system are allowed. If the maximum number has been exceeded, without the correct code, all access to your account via the Internet will be blocked. If this happens on your account, you must first contact the Bank to reset your password before you can regain access to your account online.

Secure Browsers

Providence Bank requires the use of encrypted communications (Secure Socets Layer or SSL) between your computer and the online banking secure server. Use of a secure browser enables data you send to us, or that we send to you, to be encrypted. Encryption is the process of scrambling information so that it can only be reassembled in its original format by someone who has the correct encryption key to do so.

We support a variety of browsers including Netscape Navigator 4.7 and Microsoft Internet Explorer 5.0 or higher, Mozilla Firefox, and Apple Safari. We recommend Microsoft Internet Explorer 6.0 with the latest service packs, Netscape Navigator 7.1, Mozilla Firefox, or Apple Safari to take full advantage of the system. We require you use a version of these browsers that supports 128-bit encryption.

Firewalls

Providence Bank employs an additional mechanism known as a firewall to protect our computer systems and your information. Firewalls can be thought of as a filter that only lets authorized traffic through to Providence Bank's systems.

Timeout Feature

To further protect you, a timeout feature is used. This feature will automatically log you out of your current online banking session after an extended period of inactivity on our site.

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WARNING: "Phishers" want your financial information.

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.

Here's How Phishing Works

In a typical case, you'll receive an e-mail that appears to come 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.

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 to a "phisher," you may find yourself the victim of identity theft.

To Protect Yourself

1. Never provide your personal information in response to an unsolicited request, whether it is 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 legitimate, contact the financial institution yourself. You can find phone numbers and Web sites on the monthly statements you receive from your financial institution, or you can look the company up in a phone book or on the Internet. The key is that you should be the one to initiate the contact, using contact information that you have verified yourself.
3. Never provide your password over the phone or in response to an unsolicited Internet request. A financial institution 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 your financial institution to find out why. If your financial institution offers electronic account access, periodically review activity online to catch suspicious activity.

What To Do If You Fall Victim

• Contact your financial institution immediately and alert it 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
  800-525-6285
  P.O. Box 740250
  Atlanta, GA 30374

  Experian
  888-397-3742
  P.O. Box 1017
  Allen, TX 75013

  TransUnion
  800-680-7289
  P.O. Box 6790
  Fullerton, CA 92634

• Report all suspicious contacts to the Federal Trade Commission through the Internet at www.consumer.gov/idtheft, 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 the 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 book marked, instead of a link provided in the e-mail.
• If you fall victim to an attack, act immediately to protect yourself. Alert your financial institution. 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/idtheft, or by calling 1-877-IDTHEFT.

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