How To Protect Yoursef Onine From Being Hacked Onine

Size: px
Start display at page:

Download "How To Protect Yoursef Onine From Being Hacked Onine"

Transcription

1 Onine Security Savings

2 What is onine security? This booket is designed to make you aware of some of the atest threats that exist when managing your money onine so you can protect your money in the same way you woud protect your house, your car, or other things that are vauabe to you. We are committed to ooking after your money. We use a variety of security measures to keep a your detais totay safe when you manage your money onine. Top Tips for protecting yoursef onine Ensure you have Anti-virus protection Make sure you re protected by a Firewa Keep your computer software up to date Look after your security detais Protect yoursef from Trojans and spyware Take care not to respond to frauduent Phishing e-mais Check the security of e-commerce sites Log out propery when you ve finished with a secure site Exercise caution when using computers in pubic paces Keep passwords and og in detais safe Read this Onine Security booket to understand how to protect your computer and who to contact if you re a victim of fraud.

3 How to protect yoursef onine Protect your computer Ensure you have Anti-virus protection An Anti-virus protection system heps you to find and remove any viruses or suspicious programs. We strongy recommend that you have up to date Anti-virus software instaed on your home computer and that you ensure that the software is kept up to date with the atest virus definitions. If you access the internet from your workpace pease check that your empoyer has instaed an Anti-virus soution. It s recommended that you use an Anti-virus program which has an Auto Update feature. A scan of a fies shoud be schedued at east once a week; Norton, McAfee and Kaspersky are exampes of credibe suppiers that provide Anti-virus software. You can get free anti-virus software from Grisoft, Anti Vir, and ALWIL/Avast. Be aware that some Anti-virus software is better than others for further information pease visit Make sure you re protected by a Firewa A Firewa protects your computer from unauthorised access and bocks unwanted internet activity. If you re using your home computer to access the internet you shoud use a software Firewa. If you use a computer at work check that your empoyer is maintaining a Firewa. It is recommended that your Firewa is set up to work on both incoming and outgoing traffic. Not ony woud you have contro over what comes into your computer but you d aso have contro on what eaves your computer. Like Anti-virus software, a range of Firewas are avaiabe as free downoads from companies such as ZoneAarm, Kerio and Sygate to commercia products from Norton, McAfee and Trend Micro. Firewa software is aso buit into Windows XP, Windows 7 and Mac OS X athough you may need to activate these as they may not be setup to work as a defaut. For further information visit: com/norton/internet-security or www. grc.com Advice on Firewas is avaiabe at Keep your computer software up to date It s quite common for security probems to be discovered in existing software. When this happens the Software Company wi usuay issue an update known as a patch. If you ve an Appe computer running OS X, you shoud run the Software Update too at east once a week. If you ve a Windows computer, you shoud reguary use Windows Update or Microsoft Update to check for new patches from Microsoft. In some versions of Windows, this wi be an option in the Start Menu, in others you may have to seect Windows Update from the Toos menu of Internet Exporer. You shoud reguary check for updates to the main software on your computer by visiting the suppiers website or using the update features in their software where these are avaiabe. To check for updates and patches you shoud visit your software pubisher s website. These websites can provide more information to hep you keep your computer up to date: Stay Safe Onine Exercise caution when using computers in pubic paces As you cannot be certain about the security of a computer in a pubic pace such as a ibrary or Internet café, you shoud be carefu if you have to use such a machine. If you ve any reason to be suspicious about a pubic computer you shoud not use it to access services such as Internet banking. You shoud never change your security detais such as your password on a pubicy accessibe computer (e.g. in an Internet café). If you do use a pubic computer to access Internet banking you shoud ook out for anyone who coud be watching you. For more advice and a step by step guide to staying safe onine visit k a website aunched by APACS, the UK payment association working on behaf of the banking industry. Log out propery when you ve finished with a secure site Never eave your computer unattended when ogged in to a secure session such as when you re using Internet banking. Ensure you og out propery when you ve finished banking onine or using another secure site. Keep hod of your cash Don t be conned by convincing e-mais offering you the chance to make some easy money. If it ooks too good to be true, it probaby is. Be especiay wary of unsoicited e-mais from outside the UK it wi be much harder to prove they are who they say they are.

4 Protecting your savings Keep your identity secure Look after your security detais Your UserID and Password, aong with the answers to your security questions, are the key to your onine accounts and information. You shoud keep these secure and never share them with anybody. Ensure you change your password within the onine system on a reguar basis. Additiona information is avaiabe at Phishing Watch out for frauduent e-mais A common type of e-mai fraud is Phishing. Phishing is the process where fraudsters (impersonating a we estabished financia organisation) send fase e-mais in an attempt to trick the peope who receive them into reveaing their persona detais. We wi never ask you to send your persona detais via e-mai. If ever you receive an e-mai that asks you to provide your persona information by cicking on a ink pease do not access any inks, discose your sign-in detais or repy even if the e-mai suggests that you need to take immediate action. Phishing is not the ony way that criminas try to use e-mai for fraud. E-mai has been used to make job offers, recruit peope for money aundering and trick peope into visiting sites that expoit weaknesses in their computer to downoad Trojans. Don t be conned by convincing e-mais offering you the chance to make easy money or provide your persona detais. Remember, we wi never ask you to confirm your persona detais via e-mai. You can report a phishing e-mai at as we as forwarding the e-mai to us at abuse@birminghammidshires.co.uk Be very carefu if you receive an e-mai from an unknown or dubious source. Be especiay cautious if these e-mais contain attachments. For more information, pease ca HOW TO SPOT A PHISHING Remember that we wi never send you an e-mai asking you to verify your secure and onine detais. Any e-mais asking you to do this are surey a scam. Beware of inks in e-mais. Genuine e-mais from us do contain inks, but never to our onine banking pages. If you re in doubt about whether an e-mai is genuine or not, don t cick on the ink. WHAT TO DO IF YOU RECEIVE A PHISHING If you sti have the origina e-mai, you can assist us by providing a copy of the e-mai by foowing the procedure beow. If you are using Microsoft Outook or some other mai handing software, open the e-mai, cick on fie and then save as. This shoud aow you to save the e-mai as a separate fie. Don t repy to the e-mai. Send the fie you have just saved to emaiscams@oydsbanking.com (This aows us to preserve the source data from within the e-mai and makes it easier for us to track down the originator of the e-mai). Deete the e-mai immediatey after sending it to the above, without cicking on any inks or repying. Additiona information is avaiabe at WHAT TO DO IF YOU BELIEVE YOU HAVE BECOME A VICTIM OF FRAUD Check your accounts reguary and report any suspicious activity by contacting us on Contact other banks and financia institutions with whom you hod accounts to ensure they ve not been affected. Check your computer is protected with adequate security. If you beieve you have become a victim of fraud contact us immediatey on HOW TO RESET YOUR PASSWORD If you d ike to reset your password, og into theaa.com/savings. Enter your username, password and answers to memorabe questions. Cick option on eft hand side to change password. Once you ve changed your password, an e-mai wi be sent confirming your password has been changed.

5 Know about Trojans and Spyware Trojans A Trojan is a hidden program that contains maicious code designed to either give contro of your computer to a hacker or record activity. They can aso be used to deete fies or even view the contents of your screen. They can be used to record keystrokes with the aim of capturing User ID s and passwords which are then passed on to the person controing the Trojan. Many Trojans can be detected and removed using up to date antivirus software and there are aso a number of speciaist software programs that caim to detect and remove Trojans. Advice on Trojans and the software toos is avaiabe at Spyware A type of Trojan that is paced on your computer to secrety gather information about the user, and their browsing habits which is then passed on to advertisers or other interested parties. These programs are often instaed without the user s consent as a resut of visiting a website or through cicking on an option in a deceptive pop-up window. Spyware can aso be carried in viruses or instaed aongside other free software downoaded from the internet. You shoud read the icence agreements for such software very carefuy before you agree to insta it. Spyware can sow down your computer, ater your homepage, produce ots of adverts or inks to websites and even incude keystroke oggers to record detais such as passwords and user names. There are a number of free software toos and commercia products that caim to be abe to remove Spyware from your computer. These shoud be reguary updated with the atest definition fies from the vendor. Two such free products are Ad-aware and Spybot, which are avaiabe at & Stay Safe Onine Check the security of e-commerce sites Be aware that spoof (fake or frauduent) sites do exist. Never go to our website via a ink in an e-mai, ony ever visit the website by typing the address theaa.com into your browser. Secure website addresses usuay start with the etters https: and dispay a padock icon in the bottom section of your Internet browser. Whie these are good indicators that you are visiting a genuine site there have been cases where criminas have been abe to recreate these features on their spoof sites. As a resut, it can be risky to rey entirey on the padock icon. If you doube cick the icon a box wi appear which contains detais of the site owners and heps you to estabish whether it is genuine. Usefu Websites Usefu Contact ecrime@oydstsb.co.uk Bank Safe Onine For more advice and a step by step guide to staying safe onine visit a website aunched by APACS the UK payment association working on behaf of the banking industry. Where we provide inks to another website not under our contro, we accept no iabiity for the content of, or your use of, that other site. Where we provide inks to another website, we neither guarantee the accuracy of the content of that website, nor do we necessariy endorse or approve of that content. We cannot guarantee that you wi be abe to access the other websites at any time.

6 Gossary Adware Short for advertising-supported software, adware is software that dispays advertisements. Free software sometimes conceas the fact that it carries advertising it may even insta a separate adware program on your computer without teing you. For this reason, it s a good idea to be wary of free software, uness you are confident that the software provider is genuine. Anti-virus software Software which detects viruses and other threats to your computer. The program aerts you when it finds a probem, and either removes the probem from your computer or recommends further action. Browser A software program used to find and dispay web pages on the Internet. Exampes of browser programs incude Internet Exporer, Firefox and Safari (for Macs). Cookies Sma pieces of information which are paced onto your computers hard disk by a website you have visited. Diaog box A sma window which appears on screen, usuay prompting you to respond. Encryption Scrambing data so that persona information, for exampe, can t be seen by anyone ese as it traves between your computer and a secure website. Firewa A program which protects your computer from unauthorised access by third parties over the Internet. Internet Service Provider (ISP) The company who suppies you with your Internet connection, for exampe BT Openword, Tiscai, Bueyonder. Maware Shortened from maicious software, maware is a generic term used to describe software intended to cause damage or disruption to a computer, or to do something not in the interest of the person using it. Exampes of maware incude viruses and trojans. Operating system The underying program, such as Microsoft Windows XP, that enabes your computer to run software appications, such as e-mai and browser programs. Patch An update to a program or operating system, which is needed to correct a probem (often a security issue) overooked at the time the program was reeased. Sometimes caed a fix. Phishing Phishing is an e-mai scam which tries to get you to provide your persona sign-in detais, so that fraudsters can gain access to your accounts. Remember, AA Savings wi never ask you to confirm your secure information in an e-mai. Spam Unwanted e-mais, usuay offering dubious products and services. Various types of antispam software are avaiabe, but the first ine of defence may be your own Internet Service Provider many offer spam-fitering services. Security certificate Security certificates are issued to secure websites to aow them to prove they are genuine. To view a security certificate, doube-cick on the yeow padock icon at the bottom right of your browser window. This aows you to check that you re on a genuine onine banking site, and not a spoof website. Spyware Spyware is software, usuay instaed without your consent, that communicates persona or confidentia information about you to a third party. The information may contain reports on your web-surfing habits, coected for market research purposes, or more sensitive information, such as credit card numbers.

7 SSL SSL (Secure Sockets Layer) is a way of encrypting (scrambing) information, such as bank account detais, as it is passed from a web browser to a web server. A web address beginning with https: shows that SSL is being used, so the website is secure. A security certificate aows you to check the credentias of the secure site. Trojan A maicious program that may pretend to be innocent (or be invisibe atogether), but does something you don t expect, ike sending confidentia information to somebody ese s computer. Virus A maicious program which is intended to damage your computer.

8 This information is aso avaiabe on request in arge print, Braie or audio. Customers can aso contact us by using Text Reay. AA Savings, PO Box 81, Pendeford Business Park, Wobaston Road, Woverhampton WV9 5HZ. Cas may be monitored and recorded for security and training purposes. Lines are open Monday to Saturday 8am-8pm (excuding bank hoidays). The deposit taker for AA Savings accounts is Birmingham Midshires, a division of Bank of Scotand pc, which is authorised by the Prudentia Reguation Authority and reguated by the Financia Conduct Authority and the Prudentia Reguation Authority under registration number Registered office: The Mound, Edinburgh EH1 1YZ. Registered in Scotand No. SC D470/00126 Apri 2014

AA Fixed Rate ISA Savings

AA Fixed Rate ISA Savings AA Fixed Rate ISA Savings For the road ahead The Financia Services Authority is the independent financia services reguator. It requires us to give you this important information to hep you to decide whether

More information

Setting Up Your Internet Connection

Setting Up Your Internet Connection 4 CONNECTING TO CHANCES ARE, you aready have Internet access and are using the Web or sending emai. If you downoaded your instaation fies or instaed esigna from the web, you can be sure that you re set

More information

Chapter 3: JavaScript in Action Page 1 of 10. How to practice reading and writing JavaScript on a Web page

Chapter 3: JavaScript in Action Page 1 of 10. How to practice reading and writing JavaScript on a Web page Chapter 3: JavaScript in Action Page 1 of 10 Chapter 3: JavaScript in Action In this chapter, you get your first opportunity to write JavaScript! This chapter introduces you to JavaScript propery. In addition,

More information

NCH Software Warp Speed PC Tune-up Software

NCH Software Warp Speed PC Tune-up Software NCH Software Warp Speed PC Tune-up Software This user guide has been created for use with Warp Speed PC Tune-up Software Version 1.xx NCH Software Technica Support If you have difficuties using Warp Speed

More information

NCH Software MoneyLine

NCH Software MoneyLine NCH Software MoneyLine This user guide has been created for use with MoneyLine Version 2.xx NCH Software Technica Support If you have difficuties using MoneyLine pease read the appicabe topic before requesting

More information

NCH Software BroadCam Video Streaming Server

NCH Software BroadCam Video Streaming Server NCH Software BroadCam Video Streaming Server This user guide has been created for use with BroadCam Video Streaming Server Version 2.xx NCH Software Technica Support If you have difficuties using BroadCam

More information

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l

ELECTRONIC FUND TRANSFERS. l l l. l l. l l l. l l l Program Organization = Number "1060" = Type "123342" = "ETM2LAZCD" For = "502859" "TCCUS" "" Name "WK Number = Name "First "1001" = "1" Eectronic = "1001" = Financia "Jane Funds Doe" Northwest Xfer PG1

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

Key Features of Life Insurance

Key Features of Life Insurance Key Features of Life Insurance Life Insurance Key Features The Financia Conduct Authority is a financia services reguator. It requires us, Aviva, to give you this important information to hep you to decide

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES About ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account. Some of

More information

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028

NatWest Global Employee Banking Eastwood House Glebe Road Chelmsford Essex England CM1 1RS Depot Code 028 To appy for this account, the printed appication must be competed and returned together with any necessary supporting documentation to the foowing address: NatWest Goba Empoyee Banking Eastwood House Gebe

More information

WEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS

WEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS WEBSITE ACCOUNT USER GUIDE SECURITY, PASSWORD & CONTACTS Password Reset Process Navigate to the og in screen Seect the Forgot Password ink You wi be asked to enter the emai address you registered with

More information

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger

Advanced ColdFusion 4.0 Application Development - 3 - Server Clustering Using Bright Tiger Advanced CodFusion 4.0 Appication Deveopment - CH 3 - Server Custering Using Bri.. Page 1 of 7 [Figures are not incuded in this sampe chapter] Advanced CodFusion 4.0 Appication Deveopment - 3 - Server

More information

READING A CREDIT REPORT

READING A CREDIT REPORT Name Date CHAPTER 6 STUDENT ACTIVITY SHEET READING A CREDIT REPORT Review the sampe credit report. Then search for a sampe credit report onine, print it off, and answer the questions beow. This activity

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Avaya Remote Feature Activation (RFA) User Guide

Avaya Remote Feature Activation (RFA) User Guide Avaya Remote Feature Activation (RFA) User Guide 03-300149 Issue 5.0 September 2007 2007 Avaya Inc. A Rights Reserved. Notice Whie reasonabe efforts were made to ensure that the information in this document

More information

Online Security Information. Tips for staying safe online

Online Security Information. Tips for staying safe online Online Security Information ProCredit Bank is committed to protecting the integrity of your transactions and bank account details. ProCredit Bank therefore uses the latest security software and procedures

More information

NCH Software Express Accounts Accounting Software

NCH Software Express Accounts Accounting Software NCH Software Express Accounts Accounting Software This user guide has been created for use with Express Accounts Accounting Software Version 5.xx NCH Software Technica Support If you have difficuties using

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

NCH Software FlexiServer

NCH Software FlexiServer NCH Software FexiServer This user guide has been created for use with FexiServer Version 1.xx NCH Software Technica Support If you have difficuties using FexiServer pease read the appicabe topic before

More information

Advice about online security

Advice about online security Advice about online security May 2013 Contents Report a suspicious email or website... 3 Security advice... 5 Genuine DWP contacts... 8 Recognising and reporting phishing and bogus emails... 9 How DWP

More information

To p t i p s f o r s a f e o n l i n e b a n k i n g a n d s h o p p i n g

To p t i p s f o r s a f e o n l i n e b a n k i n g a n d s h o p p i n g To p t i p s f o r s a f e o n l i n e b a n k i n g a n d s h o p p i n g The Internet offers the opportunity to bank and shop in safety whenever you want. More than 15 million people in the UK now use

More information

The guaranteed selection. For certainty in uncertain times

The guaranteed selection. For certainty in uncertain times The guaranteed seection For certainty in uncertain times Making the right investment choice If you can t afford to take a ot of risk with your money it can be hard to find the right investment, especiay

More information

STRONGER ONLINE SECURITY

STRONGER ONLINE SECURITY STRONGER ONLINE SECURITY Enhanced online banking without compromise Manage your business banking efficiently and securely Internet banking has given business leaders and treasurers greater control of financial

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services

A Description of the California Partnership for Long-Term Care Prepared by the California Department of Health Care Services 2012 Before You Buy A Description of the Caifornia Partnership for Long-Term Care Prepared by the Caifornia Department of Heath Care Services Page 1 of 13 Ony ong-term care insurance poicies bearing any

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow some of which may not appy your account Some of these may

More information

DigitalKitbag. Email marketing

DigitalKitbag. Email marketing Emai marketing Who are Digita Kitbag? We re your business marketing team Digita Kitbag is owned and operated by Johnston Press, one of the argest regiona media pubishers in the UK and Ireand. We have a

More information

NCH Software Copper Point of Sale Software

NCH Software Copper Point of Sale Software NCH Software Copper Point of Sae Software This user guide has been created for use with Copper Point of Sae Software Version 1.xx NCH Software Technica Support If you have difficuties using Copper Point

More information

Early access to FAS payments for members in poor health

Early access to FAS payments for members in poor health Financia Assistance Scheme Eary access to FAS payments for members in poor heath Pension Protection Fund Protecting Peope s Futures The Financia Assistance Scheme is administered by the Pension Protection

More information

Application and Desktop Virtualization

Application and Desktop Virtualization Appication and Desktop Virtuaization Content 1) Why Appication and Desktop Virtuaization 2) Some terms reated to vapp and vdesktop 3) Appication and Desktop Deivery 4) Appication Virtuaization 5)- Type

More information

SNMP Reference Guide for Avaya Communication Manager

SNMP Reference Guide for Avaya Communication Manager SNMP Reference Guide for Avaya Communication Manager 03-602013 Issue 1.0 Feburary 2007 2006 Avaya Inc. A Rights Reserved. Notice Whie reasonabe efforts were made to ensure that the information in this

More information

Income Protection Solutions. Policy Wording

Income Protection Solutions. Policy Wording Income Protection Soutions Poicy Wording Wecome to Aviva This booket tes you a you need to know about your poicy, incuding: what to do if you need to caim what s covered, and expanations of some of the

More information

Vision Helpdesk Client Portal User Guide

Vision Helpdesk Client Portal User Guide Hepdesk Hepdesk Vision Hepdesk Cient Porta User Guide VISION HELPDESK v3 User Guide (for Cient) CLIENT PORTAL DETAILS VISION HELPDESK v3 User Guide (for Cient) Hepdesk Index Cient Porta.....................................................

More information

NCH Software Bolt PDF Printer

NCH Software Bolt PDF Printer NCH Software Bot PDF Printer This user guide has been created for use with Bot PDF Printer Version 1.xx NCH Software Technica Support If you have difficuties using Bot PDF Printer pease read the appicabe

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l. l l. l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

How to deal with personal financial problems

How to deal with personal financial problems How to dea with persona financia probems D I S P U T E R E S O L U T I O N Introduction Heping you face the future with confidence In 2014, the eve of consumer debt in the UK grew to reach a seven-year

More information

Business Banking. A guide for franchises

Business Banking. A guide for franchises Business Banking A guide for franchises Hep with your franchise business, right on your doorstep A true understanding of the needs of your business: that s what makes RBS the right choice for financia

More information

Pay-on-delivery investing

Pay-on-delivery investing Pay-on-deivery investing EVOLVE INVESTment range 1 EVOLVE INVESTMENT RANGE EVOLVE INVESTMENT RANGE 2 Picture a word where you ony pay a company once they have deivered Imagine striking oi first, before

More information

Australian Bureau of Statistics Management of Business Providers

Australian Bureau of Statistics Management of Business Providers Purpose Austraian Bureau of Statistics Management of Business Providers 1 The principa objective of the Austraian Bureau of Statistics (ABS) in respect of business providers is to impose the owest oad

More information

Teach yourself Android application development - Part I: Creating Android products

Teach yourself Android application development - Part I: Creating Android products Teach yoursef Android appication deveopment - Part I: Creating Android products Page 1 of 7 Part of the EE Times Network A Artices Products Course TechPaper Webinars Login Register Wecome, Guest HOME DESIGN

More information

DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS

DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS DOING BUSINESS WITH THE REGION OF PEEL A GUIDE FOR NEW AND CURRENT VENDORS TABLE OF CONTENTS INTRODUCTION... 1 GOVERNANCE... 1 COMMONLY PURCHASED GOODS AND SERVICES... 1 HOW TO REGISTER YOUR COMPANY...

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. l l l ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Money Matters. Help for what matters. Ulster Bank s no nonsense guide to: Managing Debt

Money Matters. Help for what matters. Ulster Bank s no nonsense guide to: Managing Debt Money Matters Hep for what matters Uster Bank s no nonsense guide to: Managing Debt Money Matters contents Understanding debt Sections 1 3 1 How to manage debt Section 4 3 How to get in contro of debt

More information

A Conversation with enx@pacbell.net enx@pacbell.net www.enxmag.com

A Conversation with enx@pacbell.net enx@pacbell.net www.enxmag.com The #1 Sourcing Pubication in the Document Imaging Industry The #1 Sourcing Voume 11 Pubication No.7 in the Document Imaging Industry The #1 Sourcing Pubication in the Document Imaging Industry Sourcing

More information

Income Protection Options

Income Protection Options Income Protection Options Poicy Conditions Introduction These poicy conditions are written confirmation of your contract with Aviva Life & Pensions UK Limited. It is important that you read them carefuy

More information

medical injury a claimant s guide

medical injury a claimant s guide medica injury a caimant s guide The ega caims process is not a simpe one and cinica negigence caims are amongst the most compex. We have over three decades of experience representing patients and recovering

More information

NCH Software PlayPad Media Player

NCH Software PlayPad Media Player NCH Software PayPad Media Payer This user guide has been created for use with PayPad Media Payer Version 2.xx NCH Software Technica Support If you have difficuties using PayPad Media Payer pease read the

More information

Budgeting Loans from the Social Fund

Budgeting Loans from the Social Fund Budgeting Loans from the Socia Fund tes sheet Pease read these notes carefuy. They expain the circumstances when a budgeting oan can be paid. Budgeting Loans You may be abe to get a Budgeting Loan if:

More information

What to do before, during and after a flood

What to do before, during and after a flood Suffok Food Risk Management Partnership What to do before, during and after a food Practica advice on what to do to protect yoursef and your property "Over 5.5 miion properties in Engand and Waes are at

More information

Income Protection Solutions. Policy Wording

Income Protection Solutions. Policy Wording Income Protection Soutions Poicy Wording Wecome to Aviva This booket tes you a you need to know about your poicy, incuding: what to do if you need to caim what s covered, and expanations of some of the

More information

A guide to understanding Childcare Proceedings

A guide to understanding Childcare Proceedings A guide to understanding Chidcare Proceedings About this guide Care Proceedings are one of the most traumatic and emotiona episodes that can happen in anyone s ife. When Chidren s Services (formery Socia

More information

On-Line Banking Application

On-Line Banking Application OnLine Banking Appication 1st Name: SSN/Tax ID #: Work Phone: City born in: Fax: Mother's Maiden Name: Emai Address: 2nd Name: SSN/ax ID#: Work Phone: City born in: Fax: Mother's Maiden Name: Emai Address:

More information

INDUSTRIAL AND COMMERCIAL

INDUSTRIAL AND COMMERCIAL Finance TM NEW YORK CITY DEPARTMENT OF FINANCE TAX & PARKING PROGRAM OPERATIONS DIVISION INDUSTRIAL AND COMMERCIAL ABATEMENT PROGRAM PRELIMINARY APPLICATION AND INSTRUCTIONS Mai to: NYC Department of Finance,

More information

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts

Example of Credit Card Agreement for Bank of America Visa Signature and World MasterCard accounts Exampe of Credit Card Agreement for Bank of America Visa Signature and Word MasterCard accounts PRICING INFORMATION Actua pricing wi vary from one cardhoder to another Annua Percentage Rates for Purchases

More information

Key Features and Terms & Conditions of the Stocks & Shares Junior ISA

Key Features and Terms & Conditions of the Stocks & Shares Junior ISA June 2013 Key Features and Terms & Conditions of the This document shoud be read in conjunction with an up-to-date Key Investor Information Document (KIID) for the fund in which you want to invest. You

More information

Spam, Spyware, Malware and You! Don't give up just yet! Presented by: Mervin Istace Provincial Library Saskatchewan Learning

Spam, Spyware, Malware and You! Don't give up just yet! Presented by: Mervin Istace Provincial Library Saskatchewan Learning Spam, Spyware, Malware and You! Don't give up just yet! Presented by: Mervin Istace Provincial Library Saskatchewan Learning Lee Zelyck Network Administrator Regina Public Library Malware, Spyware, Trojans

More information

eye talk DIGITAL Contents

eye talk DIGITAL Contents eye tak DIGITAL Eye Tak Digita subscribers are abe to downoad a computer fie containing the atest product and price changes, as we as other vauabe resources for the management and deveopment of their practices.

More information

DISPLAYING NASDAQ LEVEL II DATA

DISPLAYING NASDAQ LEVEL II DATA 14 NASDAQ LEVEL II windows et you view Leve II data for NAS- DAQ stocks. Figure 14-1 is an exampe of a NASDAQ Leve II window. Figure 14-1. NASDAQ Leve II Window Exampe Information in Leve II windows is

More information

A practical guide to personal financial advice Finding the right financial adviser and advice that works for you. Getting advice

A practical guide to personal financial advice Finding the right financial adviser and advice that works for you. Getting advice A practica guide to persona financia advice Finding the right financia adviser and advice that works for you Getting advice About ASIC The Austraian Securities and Investments Commission (ASIC) reguates

More information

Hyperion Enterprise. Installation Guide RELEASE 6.5.1.1.000

Hyperion Enterprise. Installation Guide RELEASE 6.5.1.1.000 Hyperion Enterprise Instaation Guide RELEASE 6.5.1.1.000 Hyperion Enterprise Instaation Guide, 6.5.1.1.000 Copyright 1991, 2012, Orace and/or its affiiates. A rights reserved. Authors: EPM Information

More information

How to Cut Health Care Costs

How to Cut Health Care Costs How to Cut Heath Care Costs INSIDE: TEN TIPS FOR MEDICARE BENEFICIARIES What is one of the biggest financia surprises in retirement? Heath care costs. It s a growing concern among many Medicare beneficiaries,

More information

DRIVING UNDER THE INFLUENCE ACT

DRIVING UNDER THE INFLUENCE ACT Driving Under the Infuence Act 13 MIRC Ch.3 TITLE 13 MOTOR VEHICLES CHAPTER 3 - DRIVING UNDER THE INFLUENCE s Repubic of the Marsha Isands Jepipiin Ke Ejukaan DRIVING UNDER THE INFLUENCE ACT Arrangement

More information

Welcome to the wonderful world of investing

Welcome to the wonderful world of investing Wecome to the wonderfu word of investing Congratuations. You ve taken the 1st step to the word of financia panning. The new inter-connected word offers range of products to suit your investment needs which

More information

How To Protect Yourself Online

How To Protect Yourself Online NetBank security guide Commonwealth Bank Personal 1 Contents Page 4 5 5 5 7 7 9 9 9 11 12 12 13 13 13 14 14 14 16 16 16 17 18 18 19 19 20 21 Section Peace of mind with NetBank What are the common online

More information

Key Features of the Term Assurance (with options) For use in business protection planning

Key Features of the Term Assurance (with options) For use in business protection planning Key Features of the Term Assurance (with options) For use in business protection panning Term Assurance (with options) Key features The Financia Conduct Authority is a financia services reguator. It requires

More information

SABRe B2.1: Design & Development. Supplier Briefing Pack.

SABRe B2.1: Design & Development. Supplier Briefing Pack. SABRe B2.1: Design & Deveopment. Suppier Briefing Pack. 2013 Ros-Royce pc The information in this document is the property of Ros-Royce pc and may not be copied or communicated to a third party, or used

More information

Ohio University Computer Services Center October, 2004 Spyware, Adware, and Virus Guide

Ohio University Computer Services Center October, 2004 Spyware, Adware, and Virus Guide Ohio University Computer Services Center October, 2004 Spyware, Adware, and Virus Guide Definitions Malware is term meaning malicious software. Malware is software designed to disrupt a computer system.

More information

Health Savings Account 2014-2015 reference guide

Health Savings Account 2014-2015 reference guide Heath Savings Account 2014-2015 reference guide www.seectaccount.com Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist

More information

Aviva Equity Release A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option

Aviva Equity Release A guide to our lifetime mortgages. Lifestyle Lump Sum Max Lifestyle Flexible Option Aviva Equity Reease A guide to our ifetime mortgages Lifestye Lump Sum Max Lifestye Fexibe Option Contents An introduction to equity reease and ifetime mortgages 3 Who might quaify? 4 What you need to

More information

When visiting online banking's sign-on page, your browser establishes a secure session with our server.

When visiting online banking's sign-on page, your browser establishes a secure session with our server. The privacy of communications between you (your browser) and our servers is ensured via encryption. Encryption scrambles messages exchanged between your browser and our online banking server. How Encryption

More information

Your Car Insurance Policy Booklet

Your Car Insurance Policy Booklet Your Car Insurance Poicy Booket 2013 Consumer Moneyfacts Car Insurance Provider of the Year 2012 Best Company - First Cass 2012 Persona Lines Intermediary of the Year, 2012 Customer Service Provider of

More information

MOS 2013 Study Guide. Microsoft Excel EXAM 77-420. Microsoft IT Academy

MOS 2013 Study Guide. Microsoft Excel EXAM 77-420. Microsoft IT Academy MOS 2013 Study Guide EXAM 77-420 Microsoft Exce Microsoft IT Academy Lambert Note This content aso pubished as MOS 2013 Study Guide for Exce spine =.39 Avaiabe at your favorite bookseers ISBN 978-0-7356-6920-8

More information

Health Savings Account 2013 2014 reference guide

Health Savings Account 2013 2014 reference guide Heath Savings Account 2013 2014 reference guide Information at your fingertips This ist of chapters and page numbers wi hep you find the information you need quicky. A detaied ist of sections and topics

More information

PROTECT YOUR COMPUTER AND YOUR PRIVACY!

PROTECT YOUR COMPUTER AND YOUR PRIVACY! PROTECT YOUR COMPUTER AND YOUR PRIVACY! Fraud comes in many shapes simple: the loss of both money protecting your computer and Take action and get peace of and sizes, but the outcome is and time. That

More information

The definition of insanity is doing the same thing over and over again and expecting different results

The definition of insanity is doing the same thing over and over again and expecting different results insurance services Sma Business Insurance a market opportunity being missed Einstein may not have known much about insurance, but if you appy his definition to the way existing brands are deveoping their

More information

Eaton Intelligent Power Protector (IPP) Quick Start Installation Manual

Eaton Intelligent Power Protector (IPP) Quick Start Installation Manual Eaton Inteigent Power Protector (IPP) Quick Start Instaation Manua Eaton is a registered trademarks of Eaton Corporation or its subsidiaries and affiiates. Googe Chrome is a trademark of Googe, Inc. HyperTermina

More information

Contact details For contacting ENISA or for general enquiries on information security awareness matters, please use the following details:

Contact details For contacting ENISA or for general enquiries on information security awareness matters, please use the following details: Malicious software About ENISA The European Network and Information Security Agency (ENISA) is an EU agency created to advance the functioning of the internal market. ENISA is a centre of excellence for

More information

PARTNER MAIL VS Voice Messaging System Release 4

PARTNER MAIL VS Voice Messaging System Release 4 Lucent Technoogies Be Labs Innovations PARTNER MAIL VS Voice Messaging System Reease 4 Instaation and Programming 585-322-521 Comcode 107970212 Issue 1 March 1997 Copyright 1997 Lucent Technoogies 585-322-521

More information

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES The Eectronic Fund Transfers we are capabe of handing for consumers are indicated beow, some of which may not appy your account Some of these

More information

Practical guide for secure Christmas shopping. Navid

Practical guide for secure Christmas shopping. Navid Practical guide for secure Christmas shopping Navid 1 CONTENTS 1. Introduction 3 2. Internet risks: Threats to secure transactions 3 3. What criteria should a secure e-commerce page meet?...4 4. What security

More information

Vacancy Rebate Supporting Documentation Checklist

Vacancy Rebate Supporting Documentation Checklist Vacancy Rebate Supporting Documentation Checkist The foowing documents are required and must accompany the vacancy rebate appication at the time of submission. If the vacancy is a continuation from the

More information

professional indemnity insurance proposal form

professional indemnity insurance proposal form professiona indemnity insurance proposa form Important Facts Reating To This Proposa Form You shoud read the foowing advice before proceeding to compete this proposa form. Duty of Discosure Before you

More information

Green power. options

Green power. options Green power options How a our universities can hep stop cimate change by switching to green eectricity In January 2001 Peope & Panet caed on every UK university to switch to green eectricity, generated

More information

Contents Security Centre

Contents Security Centre Contents Security Centre... 1 1. Search Engines... 2 2. Online Applications... 2 3. Virgin Money Credit Card Online Banking Security Measures... 2 3.1 Access Number, PIN and Password... 2 3.2 Keypad...

More information

MARKETING INFORMATION SYSTEM (MIS)

MARKETING INFORMATION SYSTEM (MIS) LESSON 4 MARKETING INFORMATION SYSTEM (MIS) CONTENTS 4.0 Aims and Objectives 4.1 Introduction 4.2 MIS 4.2.1 Database 4.2.2 Interna Records 4.2.3 Externa Sources 4.3 Computer Networks and Internet 4.4 Data

More information

Fixed Rate Loan Payment Protection Insurance

Fixed Rate Loan Payment Protection Insurance Fixed Rate Loan Payment Protection Insurance Poicy Document Page 1 of 16 Fixed Rate Loan Payment Protection Insurance Poicy document Fixed Rate Loan Payment Protection Insurance Poicy Document Page 2 of

More information

Lexmark ESF Applications Guide

Lexmark ESF Applications Guide Lexmark ESF Appications Guide Hep your customers bring out the fu potentia of their Lexmark soutions-enabed singe-function and mutifunction printers Lexmark Appications have been designed to hep businesses

More information

Auto-Enrolment Services

Auto-Enrolment Services www.mitchecharesworth.co.uk Auto-Enroment Services Part 1: A Unified Soution for Empoyers A combined Payro and Pensions approach to meet your Auto-Enroment obigations autoenroment@mitchecharesworth.co.uk

More information

6 Your home and surroundings Section 6 page 1. Your home and surroundings. 6.1 Emergencies. 6.2 Safety. 6.3 Insurance. 6.4 Security. 6.

6 Your home and surroundings Section 6 page 1. Your home and surroundings. 6.1 Emergencies. 6.2 Safety. 6.3 Insurance. 6.4 Security. 6. 6 Your home and surroundings 6.1 Emergencies What shoud I do if there is a fire? What shoud I do if I sme gas? 6.2 Safety Can I use fammabe materias, such as botted gas or paraffin? Shoud a staff carry

More information

Welcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider.

Welcome to Colonial Voluntary Benefits. Thank you for your interest in our Universal Life with the Accelerated Death Benefit for Long Term Care Rider. Heo, Wecome to Coonia Vountary Benefits. Thank you for your interest in our Universa Life with the Acceerated Death Benefit for Long Term Care Rider. For detai pease ca 877-685-2656. Pease eave your name,

More information

Lucent Technologies Bell Labs Innovations. PARTNER II Communications System PARTNER Plus Communications System Release 4.1.

Lucent Technologies Bell Labs Innovations. PARTNER II Communications System PARTNER Plus Communications System Release 4.1. Lucent Technoogies Be Labs Innovations PARTNER II Communications System PARTNER Pus Communications System Reease 4.1 System Panner 518-455-338 Issue 2 August 1996 Copyright 1996 Lucent Technoogies A Rights

More information

TERMS AND CONDITIONS OF YOUR ACCOUNT

TERMS AND CONDITIONS OF YOUR ACCOUNT TERMS AND CONDITIONS OF YOUR ACCOUNT AGREEMENT - This document, aong with any other documents we give you pertaining to your account(s), is a contract that estabishes rues which contro your account(s)

More information

RECRUITMENT& EXECUTIVE FOCUS ADVERTISING RATES

RECRUITMENT& EXECUTIVE FOCUS ADVERTISING RATES RECRUITMENT& EXECUTIVE FOCUS ADVERTISING RATES Reach an unrivaed goba network of outstanding higher education professionas SUPPORT Advertise onine a your professiona support roes for FREE! See page 10

More information

Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts

Example of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts Exampe of Credit Card Agreement for Bank of America Secured MasterCard and Visa accounts This information is accurate as of December 30, 2010. This credit card program is issued and administered by FIA

More information

This guide will go through the common ways that a user can make their computer more secure.

This guide will go through the common ways that a user can make their computer more secure. A beginners guide in how to make a Laptop/PC more secure. This guide will go through the common ways that a user can make their computer more secure. Here are the key points covered: 1) Device Password

More information

Your Car Insurance Policy Booklet

Your Car Insurance Policy Booklet Your Car Insurance Poicy Booket Contents What to do in the event of a caim? 3 Important notice 3 Materia Facts - Duty of Discosure 3 Caring for our customers 4 Keeping your poicy up to date 5 Our Terms

More information

Quick Start. Installing the software. for Webroot Internet Security Complete, Version 7.0

Quick Start. Installing the software. for Webroot Internet Security Complete, Version 7.0 Quick Start for Webroot Internet Security Complete, Version 7.0 This Quick Start describes how to install and begin using the Webroot Internet Security Complete 2011 software. This integrated suite delivers

More information

2015-16. A guide for parents about admission arrangements to Secondary Schools. Closing date 31 October 2014. City of Bradford Metropolitan District

2015-16. A guide for parents about admission arrangements to Secondary Schools. Closing date 31 October 2014. City of Bradford Metropolitan District A guide for parents about admission arrangements to Secondary Schoos City of Bradford Metropoitan District 2015-16 Cosing date 31 October 2014 Appy onine at www.bradford.gov.uk/admissions Department of

More information