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Deter: Help Protect Me

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Careful business security is good business. NBT Bank is provideing the following business security tips to help you mitigate the risks of today electronic business environments.

Implement Good Computer Security Practices
Safeguard Your Information
Nine Points of Protection

Implement Good Computer Security Practices

If you don’t currently have formal computer security procedures in place, your business is unnecessarily at risk. It’s important to establish basic security procedures and controls for your business and to update and distribute these to all employees on a regular basis. Here are some important measures to put in place:

  • Reconcile all banking transactions on a daily basis
  • Initiate electronic transactions (such as payroll and wire transfers) under dual control
  • Prohibit the use of “shared” usernames and passwords
  • Use a different password for each website that is accessed
  • Create strong passwords that have at least 10 characters and include a combination of numbers, special characters and mixed-case letters
  • Educate employees on information security practices
  • Never access websites from a link in an e-mail, especially if personal information is requested
  • Do not include personal or sensitive data in response to an e-mail

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Safeguard Your Information

One of the most important things you can do is safeguard your sensitive business and
financial data. Here are some simple steps that will help get you started in protecting your
most valuable information:

  • Install commercial antivirus software on all computer systems
  • Ensure virus protection and security software are updated regularly
  • Consider installing spyware detection programs
  • Be suspicious of e-mails pretending to be from financial institutions, government agencies or other organizations requesting account information, account verification or banking-access credentials
  • Never share usernames or passwords with third-party vendors
  • Limit administrative rights on users’ workstations
  • Perform all online banking activities from a stand-alone computer system from which e-mail and web browsing are not possible
  • When conducting online banking, make sure your browser is operating in a secure session (indicated in the web address bar by “https”)
  • Avoid using automatic login features that save usernames and passwords for online banking
  • Never leave a computer unattended while using any online banking or brokerage service
  • Never access bank, brokerage or other financial services information at Internet cafés, public libraries, etc. Unauthorized software may have been installed to trap account login information, leaving you open to potential fraud
  • Regularly clear your web browser’s “history” in order to eliminate copies of web pages that have been stored on your hard drive

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Nine Points of Protection

  1. Banking PC: Conduct all business banking activities from a standalone computer that does not have access to e-mail or the Internet.
  2. Dual Control: Initiate electronic transactions (such as payroll and wire transfers) under dual control, with a transaction originator and a separate transaction authorizer.
  3. Daily Review: Reconcile all banking transactions on a daily basis, and look for any unusual activity.
  4. “kNOw” Phishing: Don’t access websites from links in e-mails. Beware of e-mails offering a prize or discount and then ask you to enter a user ID and password. Many of these spoof e-mails are characterized by poor spelling and grammar.
  5. Fresh Passwords: Change your passwords every 45 to 60 days.
  6. Online Security: Frequently update antivirus and antispyware software.
  7. E-mail Safely: Never include personal or sensitive data in response to an e-mail.
  8. Trust but Verify: Be suspicious of e-mails pretending to be from a legitimate institution and requesting your access credentials(such as usernames, passwords, PINs, etc.).
  9. When in doubt, call NBT Bank.

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