| Cathay Bank is committed to making
sure that your Online Banking is safe and secure. With our
own security infrastructure in place, you can be confident
that access to your accounts is private and secure. You play
a role in security. While Cathay Bank works to protect your
banking privacy, you also play a role in protecting your accounts.
There are a number of steps you can take to ensure that your
banking experience on the Internet is safe and secure.
How to protect yourself.
- First, do not reveal your online Password to anyone else.
Your online Password is designed to protect the privacy
of your banking information, but it will only work if you
keep it to yourself. If you think your online Password has
been compromised, change it immediately online.
- Do not walk away from your computer if you are in the
middle of a session.
- Once you have finished conducting your banking on the
Internet, always sign off before visiting other Internet
sites.
- If anyone else is likely to use your computer, clear
your cache or turn off and reinitiate your browser in order
to eliminate copies of Web pages that have been stored in
your hard drive. How you clear your cache will depend on
the browser and version you have. This function is generally
found in your preferences menu.
- Cathay Bank strongly recommends that you use a browser
with 128-bit encryption to conduct secure financial transactions
over the Internet.
Spyware.
Financial institutions also incur risks when customers connect
to Internet banking sites using computers infected with spyware.
Customers can prevent and detect spyware by:
- Installing and periodically updating anti-spyware, virus
protection and firewall software.
- Carefully reading all End User Licensing Agreements and
avoiding downloading software when licensing agreements
are difficult to understand.
- Not opening e-mail from untrustworthy sources.
Encryption.
Encryption helps protect your private information so that it
cannot be intercepted and read by a third party. Encryption
is the scrambling of information for transmission back and forth
between two points. A key is required to decode the information.
When you request information about your accounts, the request
is sent encrypted to Cathay Bank. We then decode your request
for information and send it back to you in an encrypted format.
When you receive it, your information is decoded so that you
can read it. Until recently, no encryption requiring a key greater
than 40-bit was permitted to be exported outside of the United
States and Canada. This 40-bit encryption is known as international
level, or export-grade encryption. The significantly stronger
128-bit encryption is referred to as U.S.- and Canada-only level,
or domestic-grade encryption. If you are currently using a browser
with 40-bit encryption, we would like you to upgrade now. With
the release of 128-bit encryption capability and digital identity
verification, you can download a Netscape or Microsoft browser
that provides the highest level of encryption commercially available.
40- or 128-bit encryption - how to
tell the difference. Most browser versions let you easily check your level of
encryption:
For Netscape browsers.
Earlier versions have a key in the bottom left-hand corner
of your screen, with one tooth for 40-bit or two teeth for
128-bit encryption. Later versions show a lock on the left
side of the status bar. However, the lock does not make
any visual distinction between 40- and 128-bit encryption.
In these versions, to check your level of encryption, go
to the "View" menu, select "Page Info," and look under the
line that begins "Security."
For Microsoft browsers.
To check your level of encryption, go to the "File" menu,
select "Properties," and then select "Security." Another
way is to select "Help" then "About Internet Explorer."
When you visit a site that requires encryption, your browser
will display a key or a lock. If you are not in a secure
area, the key or lock will be broken.
Keeping the Internet safe.
Cathay Bank reviews and approves the use of different browsers
to ensure that they meet the bank's strict security standards.
In addition to browser requirements, passwords and other safety
features, Cathay Bank uses other methods to help ensure that
your banking experience on the Internet is safe and secure.
We have a precise authentication process to ensure that when
you request information on your account, only you receive the
information.
Cathay Bank's systems are protected by what's called a "firewall,"
allowing entry only to those who are authorized. For digital
identity verification, we have a Cathay Bank digital server
certificate by VeriSign that your browser uses each time you
sign on to verify that indeed you are connected to Cathay Bank.
Cathay Bank does not request confidential
information from customers via email or pop-up windows.
Prevalence of email and internet-related fraudulent schemes
are increasing recently. To avoid becoming a victim, please
visit the following web sites to learn more about online fraud.
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