1. Look at the web site address. Look for the "s" in "https" before entering any personal information. This means the pages are encrypted.

2. Look for the lock icon at the bottom of the page in the browser bar. This helps validate the security of the web site. If it is missing, personal information should not be entered.

When you are in doubt, physically type in the web site address, rather than use the link that is included in an email.