Bank's security solutions

• Internet banking user identification
• User rights
• User limits
• Call-approval limits
• Use the options provided by the Mobile Banking
• Restrictions on time of using
• Blocking a user if an incorrect password has been entered

Internet banking user identification

• User number: a combination of 6 or 7 digits with which you identify yourself for Internet banking. A password and a code card, security token, or e-signature is linked to your user number.
• Password - initially, at least a six-digit combination provided by the bank when concluding the agreement. When logging-on for the first time, you will be offered to change the password; however, you can do it at any time during Internet banking sessions.
• Code Card – a plastic card with 72 (less codes on older cards) six-digit codes. Every time you log-on to the Internet banking site, you will be asked to enter a code provided on the card.
• Security token – a device that generates single passwords.
  Security token User Handbook.

User rights

In our Internet banking facility, you can use a number of accounts or select a single account to be used. One and the same account may be used by a number of users. You can set the use mode for every user and account, limiting the rights of users, e.g. only permitting viewing the account information, whereas payments cannot be made.

User limits

You can set the daily and monthly limits individually for every user and account. Choose daily and monthly limits that suit the needs of you and/or your company.

Call-approval limits

You can set limits for call-approvals for outgoing payments. If it is exceeded, a bank's employee will call the specified contact person and ask for an approval of the payment and its details. Alternatively, your company's representative can call the bank's number and approve the payment upon authorisation. Additional approval of the payment will be made by phone. It means that the bank will not execute any payments that exceed the approval limits without an approval of the client.

The bank will call you back on weekdays from 9:00 to 18:00. If the employee fails to contact the client, they will try again during the banking day; if they fail, they will try on the next day. If the client is not reached by phone, the payment will be cancelled.

Use the options provided by the Mobile Banking

Apply for text-messages for exceeding outgoing payments, and you will receive a text alert every time when an outgoing payment exceeds the limit set by you. This way, you will be always up-to-date with the finances of you/your company at any place and time just by one text message.

Restrictions on time of using

You can set restrictions on the time of validity of your passwords for Internet banking sessions. Time restrictions protect you in the cases when you have forgotten to log off from the Internet banking site when leaving the computer. If you do not perform any activities on the Internet banking site for 15 minutes, you will be prompted to enter the password to continue.

You can close the Internet banking connection at any time by clicking on Exit and closing the browser.

Blocking a user if an incorrect password has been entered

If an incorrect password has been entered for five times when logging on to the Internet banking site, the access to it will be blocked.

Solutions for protecting your computer

Swedbank recommends checking your Internet banking computer in accordance with the following steps: Please consult your IT specialists.

• Anti-Virus Software
• Firewall software
• Regular updates for your operating system/browser
• Do not use users with the rights of administrator

Practical recommendations

• Protect your passwords
• Suspicious e-mail letters
• Control the movement of finances in your account
• Closing the Internet banking connection
• Places where you bank online
• Check your computer right now

Anti-Virus Software

The purpose of anti-virus software is to check that your computer is free of viruses and to find and remove them if any is found. For the anti-virus software to operate correctly, you need to update the database regularly (set at least one auto- update per day)

Some most popular anti-virus applications are
McAfee
Kaspersky
Panda
Avira
Trend Micro

There are many other anti-virus applications that may be used to protect your computer.

Firewall software

Firewalls regulate the flow of data between your computer and the Internet. The firewall should be configured so that it prevents connections from the outside to your computer.

Some most popular firewalls are:
Windows (built-in)
ZoneAlarm
Panda
McAffe

Regular updates for your operating system/browser

We recommend updating your software as soon as the official updates are available. For most operating systems and browsers, it is possible to set automatic updates.

Do not use users with the rights of administrator

Do not use users with the rights of administrator In your daily work, do not use a user profile with the administrator rights.

Protect your passwords

• In the password, use a combination that only you know, e.g. special characters, digits, and capital letters. Do not use words that can be found in dictionaries in your passwords.
• Use passwords that other people would not guess. We do not recommend using your names, your children's or pet's names or birth dates, your car licence numbers and the like as a password.
• Please choose a password that contains at 6 till 16 characters.
• Change your password in every 40 days.
• Never write down your permanent password or user name on the code card or anywhere else.

If your password or code card code has become available to any third person, please change them without delay or call 67444444.

Suspicious e-mail letters

• The Bank never sends e-mail letters with requests to provide your user ID, passwords or code card numbers, or any links to Internet sites where any of your data have to be entered.
• The Bank never sends any e-mail letters with requests to install additional software to improve Internet banking experience.
• Never open suspicious e-mail letters you do not recognise.

Control the movement of finances in your account

Control on a regular basis your account balances and information on transactions in your account.

Use the option to receive text messages on transactions in your account via Mobile Banking.

Closing the Internet banking connection

Always close the Internet banking connection by clicking on Exit and closing the browser. Do it even when you leave your computer for just a little while.ALWAYS make sure that you close the browser after Internet banking.

Places where you bank online

If possible, avoid banking online at public places (Internet cafes, libraries etc.) However, if you must do so, ALWAYS check that you close the browser after banking online.

Anti-virus software developers offer you to check your computer for free.

The free check will show whether any virus has been found on your computer, but it will not delete it.

Check your computer right now

www.kaspersky.com

www.mcafee.com

If you have any uncertainties concerning Internet banking security, please contact immediately on 67444444.