The following are some tips to protect your confidential information:

• Never share or give out your access ID, user name, password, or security challenge questions and answers.
• Do not use personal information as your access ID, user name or password.
• Create difficult passwords that include letters, numbers, upper-and-lower-case letters (case –sensitive) and special characters.
• Change your password frequently.
• Avoid using public computers to access your internet banking.
• Do not provide any personal information to web sites that do not use encryption or other secure methods of protection.
• Ensure that your computer is equipped with up to date anti-virus and malware software protection.
• Sign up for Notify Me Alerts through online banking. This feature allows you to receive text or email alerts of important account related, security related activities and messages.
• If you notice unusual or unauthorized activity, notify your bank right away. When a customer reports an unauthorized transaction in a timely manner, the bank will take measures to protect the account.
• When submitting financial information on a website, look for the padlock or key icon at the top or bottom of your browser, and make sure the Internet address begins with “https.” This signals that your information is secure during transmission.

In addition to the information provided regarding Internet Banking Security, commercial and small business account holders should implement additional measures in order to further protect their online banking security. The following are examples of such measures:

• Perform your own annual internal risk assessment and evaluation on all online accounts.
• Establish internal policies regarding employee internet usage.
• Ensure all company computers are equipped with up to date anti-virus protection.

Identity Theft occurs when someone uses your personal information such as your social security number or account number without your permission, to commit fraud or other crimes. Help protect yourself by:

• Immediately reporting lost or stolen checks and credit/debit cards.
• Never give out any personal information.
• Shred all documentation that contains confidential information (i.e. bank statements, credit card statements, bills and invoices that contain any personal information, as well as any expired credit cards or paystubs.
• Check your credit report annually.

In a typical phishing attempt, you will 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 institution regulatory agencies.

The e-mail will warn you of a serious problem that requires your immediate attention and encourage you to click on a button to go to the institution’s website. You then could be redirected to a phony website that may look exactly like the real thing.

Sometimes, in fact, it may be the company’s actual website. 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 such as your social security number, account number, password, or the information you use to verify your identity when speaking to the real financial institution, such as your mother’s maiden name or your birthplace.

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

• Never provide your personal information in response to an unsolicited request.
• If you believe that the contact may be legitimate, contact the financial institution yourself.
• Never provide your password over the telephone or in response to an unsolicited internet request (Community Bank Delaware would never ask you to verify your account information online).
• Review account activity and online statements regularly to ensure all charges are correct. You the customer are the first line of defense because you know right away if a transaction is fraudulent.
• Any consumer may request one free copy of their credit report per year. Reviewing your credit report can help you find out if someone has stolen your identity. You may order online at annualcreditreport.com or call 1-877-322-8228.