ANTI-FRAUD & ANTI-PHISHING GUIDELINES

Dear UnionBank client,

There have been a handful of international banks and financial institutions that have been targeted by online scam artists and syndicates who send fraudulent email messages purportedly coming from a particular bank. These emails, which are made to look like official bank emails or web pages, contain instructions asking the recipient to “update” or “access” their bank accounts by visiting a particular web site provided as a link in the email. These web sites' pages are designed to mimic authentic web sites of the bank and will often include the bank's name and logo and are used to capture customers' user ids, passwords and other confidential information that may be used by these syndicates for their own benefit.

This type of on-line scam is called “phishing” and although UnionBank of the Philippines (UNIONBANKPH.COM) has not been a target of such fraudulent actions, we would like to provide our clients with guidelines and tips to help you avoid and spot these fraudulent emails.

GUIDELINES FOR A SECURE ONLINE BANKING TRANSACTION

  • Ignore any messages purportedly from UnionBank requesting you to update any confidential information relating to your accounts at UnionBank. Although there are no known attempts targeting UnionBank or its customers, kindly inform UnionBank Customer Service at 84-186 if you have received any such emails.


  • Do not click on any links provided by an email message purportedly coming from UnionBank. Only transact on-line by logging in directly at http://www.unionbankph.com If you would like to make a secure on-line transaction with UnionBank, your only option should be to go directly to our website at http://www.unionbankph.com and click on the login links from there.


  • Make sure that your transaction is certified secure by clicking on the mySecureSign logo found on each login page on our web site. This should bring up the webpage of mySecureSign (https://digitalid.mysecuresign.com/secure/cgi-bin/haydn.exe). On this page you should see that the status of the DIGITAL ID/CERTIFICATE is “VALID” signifying the authenticity of the UNIONBANKPH.COM online banking system.


  • Make sure that the address bar displays the proper website URL (Universal Resource Locator) http://www.unionbankph.com/ or https://www.unionbankph.com/


  • While doing an online banking transaction on UNIONBANKPH.COM, the beginning of the web page address should be “https://”


  • While doing an online banking transaction on UNIONBANKPH.COM, look for the padlock symbol at the bottom of your web browser. This signifies that the internet connection used by your online banking transaction is secure. Double-click on the padlock symbol to verify the validity of the security certificate.


  • Make sure that you log-off after your Online Banking Transaction


TIPS FOR ENSURING ONLINE SECURITY

  • Do not write down or reveal your user name and password to anyone


  • Use strong passwords or PINs: Create your passwords using a combination of uppercase and lowercase letters and numbers. Do not use common passwords such as 1234, 1111 or birthdays.


  • Scan your computer for viruses on a regular basis. Download the latest Virus definitions for your anti-virus program.


  • When prompted, do NOT save your username and password on your computer, especially when using public access computers in internet cafes or airport terminals.


  • Always log-off after completing a secure transaction


  • Use the latest version of Internet Explorer or Netscape browsers. Download the latest version from their respective websites to provide you with more advanced security features such as 128-bit encryption and selective content access.


  • Clear your browser's cache when using a public computer.


SAFETY TIPS FOR EMAIL USERS

  • Do not open or run email attachments if you are not familiar with the sender or have doubts regarding the attachment.


  • Do not include account numbers, pins or personal information in any email as these are not secure transmissions.


  • Scan your emails for possible viruses


  • Be wary of fraudulent emails. Avoid clicking on links which ask you to update your accounts or personal information.


  • When in doubt if a UnionBank email is authentic. Please call our customer service group at 84-186