Bank security information

LIBRA INTERNET BANK makes sustained efforts to prevent cases of fraud.

(1) For reasons of prudence, please pay close attention to fraudulent transactions such as "phishing email" (illegal data collection) or "CEO fraud". The criminal scheme is a classic for cases of this type of fraud and consists of:

People with special knowledge in the field of information technology and malicious (so-called "Hackers") replace the beneficiary's IBAN thus causing bank transfers to an account that does not belong to the partner company.

The criminal groups approach people with management positions (managers / directors of the financial / accounting departments) of the companies, either by phone or using compromised e-mail addresses of some business partners or suppliers and request the change of the IBAN where payments for commercial contracts in progress are to be made.

We are warning you, in case you detect the change of the banking data of your suppliers, to check with them the veracity of the information. If the data changes cannot be confirmed with certainty, you may be exposed to an increased risk of fraud.

(2) There are certain people who may request confidential information on social media, via SMS, e-mail or telephone, even claiming to be representatives of private or state companies or employees of the Bank. These attempted frauds are called phishing.

Specifically, users of ad sites that sell certain products are contacted directly by potential buyers (fake customers). False customers inform their potential victims that they want to buy the product and generate a payment link through which sellers are asked for all card details (including CVV / CVC code).

When the cardholder enters the card data and / or authorizes transactions on compromised sites, the card information comes into the possession of fraudsters, who from that moment have the possibility to use the money on that card.

We recommend that you do not enter or communicate bank card details (including security codes) to other people, for any reason, and pay close attention to the payment transaction you wish to make.

General recommendations to avoid attempted fraud:

• If someone wants to send you money, they will never need your card details. You can only give him the IBAN, never the card details.
• Pay attention to the message of the text you receive and to the expression of the interlocutor!
• Avoid providing confidential information.
• Regardless of the device you are connected to, use secure sites! https:// secure website; http:// unsecured website
• Do not provide contact / card details to strangers or web pages received from strangers, through messaging applications or social media!
• Do not download applications that belong to Libra Internet Bank and in which you are asked for confidential card details (static password / One Time Password - OTP). Libra Internet Bank will never ask you for your card details to access a loan!
• Never provide other people with internet or mobile banking access data!
• If someone asks you for documents / information through a messaging app, we recommend that you make sure that the person works at the bank.

If you notice a suspicious e-mail that uses the LIBRA INTERNET BANK's name or symbols, please send it to us (forward) as soon as possible at reclamatii...librabank.ro

Stay alert!

Phishing emails can look very similar to the official messages sent by LIBRA INTERNET BANK, in an attempt to persuade you to access a fake website and disclose confidential information.

Such messages may also require dialing telephone numbers and providing personal data.

How can I identify a phishing email?

• Web addresses (URLs) appear to be directed to LIBRA INTERNET BANK, sites, but in reality they lead to other web domains. Within a suspicious e-mail, place your mouse cursor over a web address, without clicking on that link, and you will be able to identify the real destination (URL). The mere fact that the name of the Bank is included in the URL does not guarantee that the site visited is the official one.
• Requests for personal data. LIBRA INTERNET BANK does not ask you to reply in an e-mail with personal data, such as the “CNP” (Personal Numeric Code) or the data registered on the bank cards.
• Induction of a false state of emergency. We will never request confirmation of personal data by e-mail to avoid blocking the use of banking products or services.
• Messages about security or system updates. We will never request the confirmation of confidential personal data via e-mail due to the updating of internal systems.
• Obvious typos and other errors. These are often obvious features of illegitimate emails and websites. Grammar mistakes and text indicating the use of an automatic translation engine can also raise suspicions.

How do I know if I have accessed the official LIBRA INTERNET BANK websites?

• By checking the address in the address bar of the web browser you are using
• Viewing, depending on the web browser you are using, the address bar colored in green and the secure connection symbol in the form of a padlock and the name of the organization that owns the domain

For more security, you can access the symbol and check the details

Reporting

If you notice a suspicious e-mail that uses the LIBRA INTERNET BANK's name or symbols, please send it to us (forward) as soon as possible at

LIBRA INTERNET BANK offers increased online protection, but it's good to know that there is always the risk of infecting your computer with viruses. Therefore, we advise you that, in addition to the security measures you benefit from the bank, you should always take your own computer protection measures, so that your information is completely secure.

LIBRA INTERNET BANK will never send you text messages or emails to request confidential personal information.

Tips for safe web browsing:

• Frequently update your email application, web browser and your computer's operating system using the latest versions available from the manufacturers!
• Install high-performance antivirus software that automatically checks files before they are stored or accessed!
• Install a functional firewall on your computer!
• Pay attention to e-mails received from strangers and especially to attachments; make sure you delete any email considered suspicious, without opening attachments or accessing links!
• Set your web browser to alert you when files from unknown sources are installed on your computer; only accept files from trusted sources!
• Use the "pop-up blocker" function of the web browser!
• Do not leave an Internet Banking session open on a computer that other people will have access to; always use the "Log Off" function!
• Pay special attention in case of receiving errors or warnings regarding the digital certificates of the websites on which you enter personal data or data about bank cards; in case of multiple errors, contact the company in question!
• Use hard-to-guess passwords, avoiding the use of birth dates or pet names!
• Remember that using the "store password" option will allow anyone with access to that computer to log in to you!
• Keep your passwords confidential and do not write them down, and use a different password for each account you have; using the same password on social networking sites and Internet Banking accounts can increase the risk of unauthorized access!
• Send information by e-mail only if you are sure of the security of the connection!
• If you decide to sell your computer, make sure you delete all your personal information!
• Avoid sharing personal information that you do not want to be made public on the Internet!
• If you use wireless or Bluetooth internet, make sure your messages are properly encrypted; Remember to use strong encryption when using free Wi-Fi Internet access points or Bluetooth connections!

LIBRA INTERNET BANK is constantly concerned about improving the security of card transactions. We advise you to pay attention to every ATM you perform transactions on, specifically the keyboard, PIN pad and card insertion device. If you notice anything suspicious, you are advised not to use the ATM.

• Make sure that no person sees your PIN when you type it on the PIN pad; be cautious about people trying to distract your attention by offering to help when you withdraw cash from the ATM or by telling you that you lost some money; mind the card you receive from the ATM!
• Do not store the PIN code the same place you keep your card; keep a close look on your card when you perform transactions in shops, pubs etc!
• Check the amount before accepting it by typing your PIN code!
• If you suspect a fraud attempt, block your card right away by calling the 24/7 line : +40 212 026 999. Make sure you keep this number in your address book, readily available in case you lose your cards or they are stolen!
• Sign the back of your bank cards, in the required field, right after you receive them from the bank!
• Keep all data written or embossed on your cards confidential; the bank will never call you or e-mail you asking for this data!

The laundering money is the process or the complex of actions that criminals are trying and sometimes succeeding to hide the real origin and possession of the income from their illegal activities. This category includes money from fraud, robberies, thefts, weapons smuggling, drug trafficking and smuggling. Criminals will try to use the banking system to hide the criminal origin of the money.

Libra Internet Bank prevents money laundering and terrorist financing, based on related rules, procedures and laws.

In accordance with the EU legislation, Libra Internet Bank must have a good knowledge of the customers business and the way they use the bank's services and products. This means that in the some cases, to ensure total transparency and in order to observe the rules in force, Libra Internet Bank will ask from the clients, additional information on their activities. The money laundering law requires banks to have a good knowledge of their clients' business.

Also, banks are required to understand the purpose of the business relationship and transactions of the clients. For this reason, the bank can ask for certain information which will be treated with strict confidentiality always, subject to the law of banking secrecy and confidentiality and protecting personal data.

"Don't be a money mule" - information program on the prevention of money laundering

Libra Internet Bank joins the information campaign "Do not Be a mule", conducted by DIOCT together with the European authorities. This service is dedicated to all banks and aims to combat money laundering activities through intermediaries (money mule).

"The money mule" is the one who receives and then transfers in the name and for other people, the illegally acquired money, in order to hide the real beneficiary of the money. Most often, the money obtained by fraud.

Often without knowing the purpose of the action, "the money mules" can be guilty of committing the crime of "money laundering" provided and punished by Law 656/2002.