Security Policy & Secure Browsing

1 Data Encryption

Internet encryption protects your information during transmission between your computer and our systems. This encryption ensures that data cannot be read or modified because it is scrambled. Our "Online Banking" section uses a 128-bit SSL protocol, encrypting request and response transactions over a secure connection.

Since email is not a secure means of communication, we strongly recommend that you never transmit confidential information by email. We decline all liability for any losses resulting from transaction requests made by email.

2 Controlled Access to Your Accounts and Telephone Verification

To ensure that you are the only person accessing your personal financial information, we restrict access to the Online Banking section by requiring your customer identification number and your personal access code (PAC). Our employees never have access to your PAC and will never ask you to disclose it to us.

Security questions provide an additional layer of protection to confirm your identity when logging in from a new computer or device.

3 "Remember Me" Feature and Cookies

We use a persistent cookie to make it easier for you to log in by remembering your identifier ("Remember this computer"). We never store your PAC in a cookie.

4 Enhanced Secure Login Process and Lockout

For security reasons, we record the number of login attempts to your online banking account. After several unsuccessful attempts, your access will be disabled until the following day. If you have forgotten your password, contact us at 1-866-392-1088 to guide your PAC reset.

5 Help Us Protect Your Information

To fully benefit from the protection of your finances, you must comply with the following guidelines:

• Carefully choose your passwords and security question answers without sharing them;
• Memorize your passwords and avoid repeating them on other platforms;
• Avoid keeping copies of your passwords on internet-connected devices;
• Carefully review your statements and promptly report any errors to us;
• Set an access code to lock your mobile device;
• Keep your login credentials strictly confidential;
• Notify us immediately of any loss, theft, or compromise of your account.

6 Your Operating System (OS)

The operating system of your computer or device must be regularly updated to protect you against viruses and malware. Systematically download the latest security patches provided by publishers and remember to back up your data regularly to an external hard drive.

7 PAC Creation and Password Management

The strong password feature is available on our online banking services. Never reuse your banking password on other sites.

• Optimal Length: Use a minimum length of 12 to 16 characters combining letters, numbers, and symbols.
• Frequent Changes: Ideally, change your PAC every 90 days.
• Password Manager: Use a secure manager to generate complex passwords without memory effort.
• Two-Step Verification (2SV): Enable two-step verification to establish an effective second line of defense.

8 Clearing Your Browser's Cookies and Cache

Your browser stores temporary files (the cache) that can be accessed after your session. Regularly clear your history:

9 Public Wi-Fi, Networks, and Firewalls

Avoid conducting banking transactions on free public Wi-Fi networks (cafes, airports, hotels). Use secure, password-protected home connections and ensure your operating system's firewall is active.

10 Protecting Your Smartphone

• Passcode Lock: Enable a passcode or biometrics to unlock your phone screen.
• Beware of SMiShing: Never click on links or attachments in text messages from unknown senders.
• Official App Stores: Download your apps exclusively from the Google Play Store or Apple App Store.
• Remote Wipe: Install GPS tracking applications that allow remote data wiping in case of theft.