How You Can Protect Yourself

Virus Protection, Spyware & Firewalls

Protect your computer from viruses and spyware with essential firewall measures:

• Update your virus protection software regularly.
• Use Spyware detection and elimination programs.
• Use a firewall, especially if you have a high speed or "always-on" connection to the Internet, such as DSL or cable modem.
• Check to make sure that your virus definitions and anti-Spyware are up-to-date.
• Perform frequent scans on your computer to help detect viruses.
• Keep your operationg systems and software up-to-date by applying the latest security patches.

Security Do's & Dont's

Ensure a safe online experience with these security do's & dont's:

• Do not download files from strangers and unknown sites.
• Do not click on email links from unknown senders.
• Delete any personal information stored on your computer before you dispose of it. You can do this by using a "wipe" utility program, which overwrites the entire hard drive.

Card Protection

Keep your credit and debit cards safe with effective protection measures:

• Ensure the Personal Identification Number (PIN) you select is unique and not easily identifiable (e.g birth date, phone number, etc.). If you own multiple cards, differentiate your PIN numbers across cards.
• Memorize all PINs, such as your ABM or debit card PIN and online passwords. Do not keep such numbers in your wallet ot purse.
• Monitor your card transaction activity on your bank statements. For added protection, monitor frequently online.
• Report suspicious behaviour quickly - To report suspicious card activity, or lost/stolen cards, please contact NCB's 24 hour customer service at 1-888-NCB-FIRST (1-888-622-3477).
• Use secure sites when shopping online - If you are shopping online, don't provide your personal or financial information through a company's website until you have checked for indicators that the site is secure, like a lock icon on the browser's status bar or a website URL that begins "https:" (the "s" stands for "secure"). Unfortunately, no indicator is foolproof; some scammers have forged security icons.
• Sign cards immediately - Upon receipt of your card, ensure that you sign the back signature panel.

ABM Safety

In order to ensure your safety when using an ABM day or night, we ask that you use good judgement and observe the following guidelines:

• Vary the hours of your visits to the ABM.
• Avoid using machines at nights if the area is isolated.
• Never approach an ABM after dark if the lights at the side do not appear to be bright enough.
• Exercise caution when using ABMs located near the entrance and exit of shopping malls.
• Survey the area of the ABM as you arrive. Be suspicious of persons loitering. Do not approach ABM if you see such persons.
• Never approach the ABM if you have any doubts or fear.
• Where possible, have a trusted person accompany you to the location.
• Do not leave your vehicle engine running or keys in the ignition when using an ABM.
• Take note of persons waiting in line to use the machine. Watch out for behaviour such as persons who continue to change their place in the line.

• Do not enter the booth if you are suspicious. Only when you are satisfied shuld you unlock the door and enter the booth. Lock the door quickly behind you.
• Never allow anyone inside the booth while doing your transaction.
• Memorize your Personal Identification Number (PIN). Avoid writing your PIN anywhere.
• Do not disclose your Personal Identification Number (PIN) to anyone.
• Shield the ABM keyboard with your body so that others cannot observe you as you enter your Personal Identification Number (PIN).
• Count/check money while facing the machine to avoid persons seeing what kind of business you transacted. Never leave the booth with your wallet and/ or cash in your hand.
• Skimming devices generally will stick out a few extra inches from an ABM. If something looks suspicious, find another ABM. Don't fall for a poor fitting device (or a sticker or sign that says "Swipe Here First" or "Use This Machine Only").
• Don't accept "help" from anybody hanging around the ABM as they may try to trick you into getting access to your PIN, e.g they may say they were having trouble using the machine also and you just need to enter your PIN again.
• Use ABMs which are under surveillance or inside of a bank lobby. They're less likely to be tampered with. Thieves have to take more risk installing "skimming devices" where there are security cameras.
• If you are followed from an ABM, go to a busy area or where there are other people. If you are driving, go to the nearest Police