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  • Commonly Used Security Terms

    This is a type of software package that automatically displays or downloads advertisements on your computer. Adware was designed to generate revenue for the person/business that developed the software and is generally harmless. However, some adware may come with spyware, keyloggers, and other types of software that may invade your privacy. Any anti-virus software can help prevent and remove adware that may be on your computer.

    This is a type of program designed to protect, prevent, and remove viruses and other forms of malware that may have been unknowingly installed on your computer. There are many trusted anti-virus programs available for purchase and/or download that will go a long way in keeping your computer and your personal information safe and secure. Be wary of those companies claiming to be anti-virus software offering you a deal that seems too good to be true. This could be a Trojan designed to steal your personal information.

    This stands for Domain Name Server, it translates human-friendly host names (for example, www.centralbancompany.com) into an IP address used by computers. Threats to DNS allow someone with malicious intent to impersonate any web site – even the bank’s site. Please verify the domain name and the certificate, which can be identified as a padlock just to the right of the URL. When you hover your mouse over the padlock on Central Bancompany's family of bank websites, it will say "Identified by DigiCert."

    This is a means of separating an organization's computer network from outside networks for security purposes. A firewall can assist in keeping out viruses, as well as to prevent unauthorized outsiders from gaining access to an organization's network. Central Bancompany’s firewall is very restrictive and secure. If you choose, you may put a firewall on your home network as well. To do so, please contact your Internet provider for suggestions on how you should go about doing this.

    IP Address
    This stands for Internet Protocol address, is a numerical label assigned to each device accessing the internet. An IP address is a series of four groups of numbers separated by dots. Every server has its own unique address. You can find your IP Address at http://whatismyipaddress.com.

    Keystroke Logger
    This is someone covertly tracking the keys a person types on a keyboard with the intention of stealing login or other personal information. This keystroke data can be logged and stored for later use or accessed in real-time. Anti-keylogger software and/or anti-virus software is available as an additional layer of security should you choose to protect yourself from key loggers.

    This is any software designed to do something the user would not wish it to do and often has no knowledge until it’s too late. Malware can include viruses, worm holes, Trojans, and Malware, if not treated properly, your computer could be crippled and personal information could be stolen. Typically, anti-virus and malware protection software is available for purchase at any electronics store.

    This is the act to try and obtain financial or other confidential information, typically sent via email that looks legitimate, but it contains a link to a fake website that looks like a real one. The computer criminal will try to bait the consumer into entering private login credentials. Even if you recognize the email sender, please verify that the link is legitimate and the website you visit is legitimate. It is advised to type the URL instead of clicking on any bank URL in an email. If you feel as though you've been a victim of a Phishing attack, please email reportphishing@centralbank.net. Central Bancompany will never ask for personally identifiable information in an email, by phone, or letter, and will never ask for you to enter login account numbers, passwords, or usernames if we contact you.

    This is a form of advertising on the web intended to attract visitors to a specific product or service. A new web browser window will display either on top of the current web page you are viewing or behind the page you are viewing. Most modern browsers have built-in pop-up blockers so your web viewing can remain largely uninterrupted. Please avoid inputting any personal information into pop-up ads, especially your email address, name, Social Security Number, or online banking information.

    Screen Grabber
    This is a way that computer attackers or other computer criminals can capture still images of your personal computer to steal sensitive information such as usernames, secret words, credit card numbers, and much more. Used in conjunction with keystroke logging, a screen grabber can scrape all the information he or she will need to hijack your online banking account. Please keep your anti-virus software up-to-date and notify the bank if any unusual activity happens within your bank account.

    This delivers bait to your cell phone via text message with the intent of stealing information from a URL delivered in the text message. If you receive a text message that seems incorrect, always call the bank and do not click on the link. If you accidentally click on the link, it’s fine, just don’t enter any personal information anywhere. Central Bancompany will never ask for your account number, passwords, or any other personal identifiable information in a text message, in an email, by phone, or by letter.

    This stands for Simple Mail Transfer Protocol. Always be wary of emails containing links and emails that seem random in nature or just don’t sound like the person sending them. Every day, thousands of email addresses get hijacked with the hopes a computer attacker can gain access to your personal information. As a general rule, it’s always better to be overly-critical of email as opposed to having your information stolen. Also, remember that email sent over SMTP is not secure and is sent as plain-text, so anyone with sufficient expertise can intercept the message and read its contents. Never send sensitive data over unsecured email.

    This stands for Sender Policy Framework and is an email validation system that is designed to stop spam from reaching your inbox. While this can make a spammer easier to trace, customers should still be wary of emails soliciting personal information. Remember, any bit of information you give a computer attacker, the closer they get to stealing your identity or stealing money from you.

    Spoofed Email/Sites
    This is a website or an email that is designed to look familiar, perhaps a website you visit quite regularly or an email from a regular correspondent. A form of phishing, it is designed to steal personal information from you, including bank account information. Please make sure to double check the web address, located in the web browser's address bar (usually at the top of the browser window) to make sure you are on the legitimate website.  Additionally, you should make sure everything appears and displays properly on the page and doesn't look out of the ordinary. If you have any feeling like you might be on a spoofed site via a spoofed email, please close your web browser and forward the email to report_phishing@centralbancompany.com. If a hacker tries to mimic Central Bancompany’s affiliate sites, it will take full legal action against that person(s).

    This is a type of malware that is hidden on a victim’s computer. It collects small pieces of information about the user such as Internet history, browser settings, redirecting your web browser activity, and more. Spyware invades your privacy and can collect your banking information if you input information somewhere you shouldn't or share that sensitive information via unsecure email. Good anti-virus software should protect you against spyware problems.

    This stands for Secure Sockets Layer, and is a cryptographic protocol to provide security on the Internet. Essentially, it is designed to make the web viewing experience secure and authentic. A virtual handshake, it verifies the website is secure by displaying a padlock on the browser frame (or in the address bar, depending on which browser you're using) and the web address will begin with "https://". When logging in to your online banking account, only Central Bancompany’s system can decrypt the material until the browsing session is closed. If the virtual handshake never occurs, Central Bancompany’s security system will not allow you to access sensitive information. If you are having problems logging in to your account, please contact your local branch.

    This stands for Transmission Control Protocol and the Internet Protocol, and is the primary foundation for what is the Internet. This allows computers and systems to communicate with a high level of connectivity, data processing, connecting consumers to businesses, social networks and more. With this high level of connectivity comes a danger of sophisticated hackers understanding the deep levels of TCP/IP and leveraging it to steal your information. As a general rule, always keep your anti-virus software up to date, be wary of suspicious emails, and don’t click on any links that do not seem correct to you.

    This is designed to look like an application, this software will perform a desirable function for the user prior to an installation, but after it is installed, it will harm your computer and steal your information. Beware of software and applications that may seem too good to be true. As an example, a customer may think he or she is downloading an anti-virus software to rid a computer of adware or other malware, but he or she is accidentally installing a Trojan. Only install anti-virus software from a trusted source. If you are unsure, do a simple search on the company providing you an offer that seems too good to be true.

    This stands for Uniform Resource Locator. This is the web address that identifies a particular website. The URL typically starts with http:// or https:// followed by the domain name. For example, Central Bancompany's URL is http://www.centralbancompany.com.

    This is a computer program that can copy itself and infect a computer. Designed to spread from one computer to another, this is done so if a person clicks on a link, button, or graphic sent by another infected computer or a computer attacker by simply clicking on a link or downloading an application. Viruses are designed to replicate and harm the computer. Many viruses do nothing to raise suspicion and are silently waiting to steal information. Some viruses do nothing except reproduce themselves to harm and slow down a computer’s performance.

    This is a telephone-based attack with the intent to gain access to your private financial information. This technique is typically used in identity theft schemes or to steal credit card numbers. Please remember, if a person calls you claiming to be from Central Bancompany, they will never ask for your social security number, credit card number or bank account number.

    This is a self-replicating malware computer program which sends copies of itself to other computers on the same network with the intention to cause harm. Most worms are designed to spread and alter the system they pass through, however, some worms will actually manipulate files on your computer with mal-intent. Staying up-to-date on your anti-virus or anti-spyware software is helpful to preventing worms passing through your computer and potentially completing harmful behavior.