Security

Security

Here are some simple tips that you can follow to ensure that your online banking experience is safe and hassle free.

• Keep your information confidential
• Change your password
• Look for Lock Icon
• Use firewall
• Use Direct Account Deposit
• Install security updates
• Privacy policies
• Safe computing practices
• Online security
• Clear browser cache

Keep your Passwords, Personal Identification Number (PIN) and Card Numbers confidential

Do not share your CSFB Online Banking password or Personal Identification Number (PIN) with anyone. Giving your password or PIN to another person or company places your finances and privacy at risk.

Change your password regularly and use a different password than you use for other websites. Make it difficult for others to guess your password by using a combination of letters and numbers in your password. If you think someone knows your password, change it right away.

Never share, disclose, or provide your card number or password to another party or website other than CSFB. CSFB will never send you an e-mail requesting this information.

Keep your Personal Verification Question (PVQ) answers confidential

Do not share your Personal Verification Question (PVQ) answers with anyone, and do not disclose them in e-mails. Giving your PVQ answers to another person or company places your finances and privacy at risk. CSFB will never send you an e-mail requesting this information.

Your PVQ answers for CSFB Online Banking should be unique - do not use PVQ answers that you have used previously on other web sites.

Changing your password

Never save your card number or password on a publicly accessed computer.

If using a publicly accessed computer such as at an internet café or public library, change your password after completing your session by calling CSFB Telephone Banking.

When selecting a password, choose a password that cannot be easily guessed by anyone else.

For CSFB Online Banking, use:

• An alpha-numeric combination
• A password more than six characters long
• A combination of capital and lower case letters

Don't use:

• A password you use for any other service
• Your name or a close relative's name
• Your birth date, telephone number or address, or those of a close relative
• Your CSFB account number
• Your card number

Look for the lock icon

Before entering personal information on a website, look for the "lock" icon in your browser. A closed lock or padlock indicates that the website you are on is secure.

Use a firewall

When your computer is connected to the Internet, it is vulnerable to attack. Although this is a problem for all types of Internet connections, DSL and cable modem connections are more vulnerable because they offer an "always on" capability. You can help protect your computer from attack by using a Personal firewall. Personal firewalls can be software, hardware, or both, and create a barrier to attacks.

Microsoft Windows and Apple MacOS X both include automatically activated firewalls.

Direct Deposit and CSFB Online Banking

You can arrange with your employer to have your salary deposited directly to your CSFB account so you can prevent lost or stolen cheques. With CSFB Online Banking, you can also set up recurring transfers and payments from your CSFB account so that your obligations are met automatically.

Install security updates

Most personal computers use the Microsoft Windows and Apple MacOS operating systems. The makers of these systems regularly issue security updates to protect against new and emerging threats. You should download and install security updates regularly or configure your operating system to automatically check for new updates.

Look for privacy policies on other websites

CSFB websites provide links to other websites that are not operated by CSFB or governed by CSFB's Privacy Policy or security standards. If you visit one of these websites, you should read their unique privacy and security policies before entering data on those sites.

Safe Computing Practices

With CSFB Online Banking, you can manage almost all of your everyday banking, anywhere you have Internet access, using your laptop or a trusted computer terminal.

Important tips:

• When you're traveling, always use a trusted computer whenever possible
• Never leave your computer unattended once you have signed on to CSFB Online Banking
• After completing your transactions, ensure that you sign out of CSFB Online Banking, clear your cache, and close your browser
• If you are using an older version of Internet Explorer we recommend that you upgrade your internet explorer to version 7 or higher.

Online Security

We want you to be confident when accessing your financial information online. CSFB uses multiple layers of protection to increase your security while using CSFB Online Banking.

Secure Online Banking and Investing

We offer you secure access to your banking and investment accounts. As part of the sign on process, you may occasionally be prompted to answer one of the Personal Verification Questions (PVQs) you have set up. Once you have signed on, you can check your balances, transfer funds, and pay bills online quickly and safely. We also monitor activity in banking and investment accounts to enhance your security and to protect your financial information. One of the security features you will notice in CSFB Online Banking and the online services is the date and time of your last sign on, which is displayed within key areas. The date and time displayed should match the last time you signed on.

Web browser encryption

Web browsers use encryption to communicate securely over the Internet. You must have a browser with 128-bit encryption to use CSFB Online Banking. All of the browsers supported by CSFB and these online services support 128-bit encryption.

Session timeout

To protect you further, your online session will end after a period of inactivity. If you wish to continue accessing your online banking or investment accounts, you will have to sign on again. You should always sign off when you are done and, if using a computer that isn't your own, you should clear your browser's cache and close the browser window.

Clear Your Browser's Cache

If you use a public or shared computer to access CSFB Online Banking, it is vital that you sign off when you are finished. Once you have signed off, you should enhance your security by clearing the browser's cache. The cache maintains a copy of web pages that have been viewed recently.

Below are a list of steps on how to clear your browser's cache, or you can use your browser's Help section:

Firefox 3.5 for Windows

• Choose "Clear Recent History" from the "Tools" menu
• Select "Details"
• Ensure that the "Cache" option is checked and select the "Clear Now" button
• Close window

Microsoft Internet Explorer for Windows

• Choose "Internet Options" from the "Tools" menu
• Select the "General" tab
• From the "Browsing history" section, select "Delete" button
• From the "Temporary Internet files" section, select "Delete files" button
• Deleting cached files may take a while. When the browser is done, select "OK"

Firefox 2.x for MacOSX

• Choose "Preferences" from the "Firefox" menu
• Select "Privacy" icon from the menu
• From the "Private Data" section, select the "Clear Now" button
• Ensure that the "Cache" option is checked and select "Clear Private Data Now" button
• Select "OK" to close the window

Apple Safari 2.0 or later for MacOSX

• Choose "Empty Cache" from the Safari menu