1. Before entering your User ID and PIN, you should always ensure that the website you are visiting belongs to OCBC Bank. This can be verified by the URL displayed in your browser as well as the Bank’s name in its digital certificate. This precaution will ensure that you are not revealing your OCBC Bank Internet Banking Access Code and PIN to a website other than OCBC Bank.

2. It is important to protect yourself against any forms of online theft of your Access Code/User ID/Username and PIN/Password. Each valid Access Code/User ID/Username and PIN/Password identify you uniquely as one of our valued customers. Only authorised users are allowed to log in to our secured Internet Banking website(s).

Important tips on how you can safeguard and protect your account information.

(a) Change your PIN/Password regularly.

(b) Do not use the same digit more than twice in your Password or recycle your PIN/Password.

(c) Dispose of your PIN/Password after memorising it.

(d) Change your PIN/Password immediately if you suspect it has been exposed to others or the moment you suspect any unauthorised access.

(e) Once your Access Code/User ID/Username or PIN/Password become invalid or cease to have effect, you should inform us immediately by calling the Customer Service Hotlines for assistance.

(f) The same PIN should not be used for different websites, applications or services, particularly when they relate to different entities.

(g) Do not allow anyone to keep, use or tamper with your 2FA Token.

(h) Do not reveal the OTP generated by your 2FA Token to anyone.

(i) Do not divulge the serial number of your 2FA Token to anyone.

3. It is important to log out after each Internet Banking session, even if it is for a short while. This will prevent any transactions from being performed without your authorisation.

4. To ensure that you enjoy the highest level of security possible, all browsers and application software should be upgraded to support SSL 128-bit encryption or a higher encryption standard with the most updated security features available.

5. You are encouraged not to save your Access Code or PIN by using the “Auto Complete” function of your browser. This function stores and lists possible matches from entries that you have typed previously.

6. You are encouraged to delete junk or chain emails. Do not open email attachments from strangers

7. We strongly advise against conducting your Internet Banking transactions on shared or public PCs. This will increase your risk exposure to malicious programs or viruses.

8. You should make regular backup of critical data.

9. You should clear your browser’s cache and history after each session so that your account information is removed.

10. You should avoid file and printer sharing in your PC, especially if you have internet access via cable modems, broadband connections or similar set-ups.

11. You should also exercise precaution against viruses or other programmes such as Trojan Horse that can capture your password keystrokes and other personal information. Such captured data can be sent to another party without prior consent. To avoid getting infected, we recommend that you (1) equip your PC with the latest virus detection software to protect yourself against any virus attacks and other malicious attacks, (2) update the anti-virus and firewall products with security patches or newer versions on a regular basis, (3) avoid downloading any files from websites and strangers, (4) avoid using programmes that allow you to automatically get or preview files and (5) install a personal firewall to protect against hackers, virus attacks or Trojan Horse programmes.

12. You should check your account and transaction history regularly to ensure that all details are updated and that there are no unauthorised transactions on your account(s). OCBC Internet Banking will display your “last login date and time”, to help you monitor this.

13. You should consider the use of encryption technology to protect your account information.

14. If you notice any unusual/unauthorised transactions, please change your PIN and notify us immediately. It is important that you inform us immediately by calling our Customer Service Hotlines at 1-800-363-3333.

15. Your usage of OCBC Internet Banking is subject at all times to the Terms and Conditions governing Electronic Banking Services. You should therefore read carefully and adhere to the recommended security practices. The Bank is not responsible for any loss or damage in connection to the use of OCBC Internet Banking services unless such loss is attributable to our negligence or wilful default.

16. As a user OCBC Internet Banking, you have the right to (1) suspend your Internet Banking Access immediately should you suspect any unusual activity and/or unauthorised access, (2) terminate this service, (3) request for a new set of OCBC Internet Banking PIN and (4) obtain information from the Bank regarding your online transactions.

Updated as of July 2004.

• Install anti-virus, anti-spyware and firewall software in their personal computers, particularly when they are linked via broadband connections, digital subscriber lines or cable modems.
• Update the anti-virus and firewall products with security patches or newer versions on a regular basis.
• Remove file and printer sharing in their computers, especially when they have internet access via cable modems, broadband connections or similar set-ups.
• Make regular backup of critical data.
• Consider the use of encryption technology to protect highly sensitive data.
• Log off the online session and turn off the computer when not in use.
• Do not install software or run programs of unknown origin.
• Delete junk or chain emails. Do not open email attachments from strangers
• Do not select the option on browsers for storing or retaining user name and password.
• Do not disclose personal, financial or credit card information to little known or suspect websites.
• Do not use a computer or a device which cannot be trusted.
• Do not use public or internet café computers to access online banking or perform financial transactions.