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Ten Rules of Security

1. Protect the file with your personal certificate

The Personal certificate replaces your handwritten signature and thus represents the “access key” to your accounts and finances. Therefore, protect the file with your personal certificate against misuse by unauthorised parties. We recommend that you save the file on a portable data storage medium (e.g. a USB drive, diskette or CD-ROM) and keep this medium in a safe place.
In order to increase the security of your personal certificate, we offer use of a Můjklíč smart card.

2. Use a secure password / PIN

A simple password or PIN can be cracked and misused more easily. Therefore, do not use words and numbers, which relate to the names of your family members, their dates of birth or telephone numbers etc. A secure password is a combination of upper and lower case letters, numbers and special characters (full stop, exclamation mark or question mark etc.). A secure password should have at least eight characters.
Choose a different PIN for the Můjklíč smart card than your other PINs.

3. Protect your password / PIN

Do not write your password or PIN down on notepads, diaries or smart cards etc. Do not enable remembering of passwords in any computer settings.
Stick to the principle of not revealing your passwords to anybody, even your family members!

TIP: We recommend that you change your passwords and PINs at regular intervals.

4. Set sending of notifications and monitor your login history

We recommend that you set sending of notifications (SMS or e-mail), which inform you of all payments performed from your account or payment card. Settings can easily be managed via Mojebanka Internet banking and Expresní linka Plus in the Setting notifications menu. Authorisation SMS contain information about transactions. Always check this information when performing an authorisation. We also recommend that you monitor the summary of your login history, which is offered by the Mojebanka and Expresní linka Plus applications.

5. Update your operating system, browser and all software on a regular basis

Regularly install update files, which repair errors and the vulnerability of your software as well as decreasing security risks. Only use legally acquired software, the producer of which guarantees support in the form of regular security updates.

TIP: Basic steps for securing the most widespread operating system, Windows, can be found at www.microsoft.com/cze/athome/security/default.mspx.

6. Use only your own computer

We recommend that you only use your home or company computer for use of direct banking services. Do not let strangers work with your computer. Always secure your computer when you are not working with it. When you are away from your computer for a short period of time, lock it using the Win + L keyboard shortcut and switch the computer off if you are away from it for a long time. Work on your computer in an account for a non-privileged user (user). Work with higher authorisation (Administrator, root) allows for installation of software and is a security risk.

TIP: You can check whether your account has/does not have administration rights in Start/Settings/Control panel/User accounts.

We do not recommend use of a computer, which you know nothing about, for use of direct banking services (e.g. a computer in an Internet cafe).

7. Use software, which can protect your computer such as anti-virus and anti-spyware programmes and personal firewalls

Always have anti-virus software installed on your computer to improve protection against malicious software (viruses, worms and Trojan horses). It is also advisable to use anti-spyware software to increase protection of your privacy. Keep all of your software up to date, including virus and spyware definitions.

TIP: Some software producers offer anti-virus programmes for home use free of charge.

So-called personal firewalls are used to minimise the risk of unauthorised access to your computer when connected to the Internet. This concerns software or separate equipment, which is able to distinguish between authorised and unauthorised requests for data exchange between your computer and the Internet.

TIP: Some operating systems such as Windows XP and Linux contain an integrated firewall. It is however possible to also make use of the wide offer of other producers, some of which offer firewalls for home use free of charge.

8. Do not visit unknown websites and do not download unknown files from the Internet

Only visit known and trusted websites on the Internet. Websites, which the creators do not devote the appropriate level of care to, are the most frequent source of infection for your computer. Also avoid downloading and launching files with unknown content, which could perform activities, which they are not authorised to perform together with the declared purpose (Trojan horses or spy-ware).

TIP: It is especially websites with erotic content and websites distributing illegal software that often contain dangerous programmes, which could infect your computer and subsequently perform activities, which are out of your control.

Check the line for entering the Internet address on the login page. Always make sure that this really is the website, which you want to display. Before actually logging in, click on the padlock icon in the bottom right corner of the browser or next to the line for entering the Internet address (according to the type of browser) and check that the certificate used to secure the connection was issued for www.mojebanka.cz.

TIP: Any change whatsoever to the appearance of the login page on the www.mojebanka.cz portal is communicated to customers in advance. If you come across suspicious behaviour or an unusual appearance, please do not hesitate to contact KB client support on 955 551 556.

9. Only open e-mails from trusted sources

Do not open e-mails from senders who you do not know or messages with suspicious names containing garbled words, unusual phrases and grammatical errors. Do not work with attachments to such e-mails and preferably delete them.

Do not communicate personal data, passwords or PIN codes by e-mail. Komerční banka, a. s. never requests this information.

Komerční banka, a. s. never sends spam with web links. If you receive spam containing web links to the Komerční banka web site, do not respond to the e-mail and do not click on the link. Contact KB client support on 955 551 556 and provide us with further information about the suspicious e-mail so that we can take the appropriate steps.

10. Contact us in case of any doubt

If you have any doubts or suspicions when logging in or while working with your bank account via Internet banking, please immediately contact KB client support on 955 551 556.


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