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Mar 29 2024, 12:18:38 AM GMT  
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Habib Canadian Bank
A wholly owned subsidiary of Habib Bank AG Zurich

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Security Advisory

Security Advisory

         - In  its  continued  efforts to  further  enhance security   while
           logging onto  HBZweb, HBZ  offers  its  clients  two  options for
           adding greater security while logging on to HBZweb.

           The   newest   option  is   called  "HBZcram"  which  is  a
           revolutionary   new   challenge  -  response  -  authentication -
           mechanism  (HBZcram). HBZcram is a  free program which runs
           on any Java  enabled mobile / PDA device. Please log on to HBZweb
           and go to the My Profile section to learn more and download
           HBZcram.

           The   existing   option  (currently  deployed on HBZweb)  is  a
           secure  token. This is a dynamically  generated 5 digit challenge
           embedded in a graphic  background. This is displayed whenever the
           HBZweb login screen  appears on the user's  browser. In  addition
           to the login ID, password and the  optional  secure key, the user
           has to enter  the  challenge  digits  displayed  in the specified
           field. This new feature  will prevent  automated  processes  from
           guessing HBZweb passwords.

         - In order to further enhance security while logging onto HBZweb, a
           new  challenge - response - authentication - mechanism  has  been
           introduced.  A dynamically  generated 5 digit challenge, embedded
           in a graphic background, is displayed  whenever the  HBZweb login
           screen  appears on the user's  browser. In addition to the  login
           ID, password and the  optional  secure key, the user has to enter
           the challenge  digits  displayed in the specified field. This new
           feature will  prevent automated  processes from  guessing  HBZweb
           passwords.

         - Keep your  HBZweb  password  strictly  private.  Never share your
           password with anyone including Bank employees.

         - Make sure that the location bar on the  browser at the login-page
           shows the address starting with  "https://online.habibbank.com/".  Please
           note the "s" after the "http." If it does not have an "s," DO NOT
           enter any password and contact the bank immediately. This must be
           checked even if the HBZweb  link is bookmarked as certain viruses
           can change bookmarks to point to fake sites.

         - If you feel that your  HBZweb password  has been compromised, you
           must lock your HBZweb account  immediately.  Attempt to log-in by
           inserting an incorrect  password three times.  HBZweb access will
           be automatically locked after the third unsuccessful attempt.

         - Use the HBZweb  option  links and  buttons to browse  through the
           HBZweb  online  banking site as  using the  browser's  navigation
           buttons (i.e. back, forward and refresh) may log  you  out of the
           session.

         - Always "log-out" from your online banking session when finished
           and close the browser.

         - Never leave  your computer  unattended after you have logged onto
           HBZweb online banking.

         - If you access your account from any  computer other than your own
           (e.g.computer at work) be sure the system is private, not shared.

         - Make sure your browser supports 128-bit SSL encryption.

         - Keep virus definitions on your computer updated.

         - Always make sure that  you  have  applied all the latest security
           patches to your browser.

         - For further security, opt to use HBZsecure Key.

         - For  certain  options,  such  as  third party  fund  transfer and
           HBZeLocker, the use of HBZsecure Key is mandatory.
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