Southern BusinessPro User Guide

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• Regularly educate all users/employees on the dangers of opening or responding to suspicious emails, and surfing the internet on business devices that have access to sensitive data or software. Limit internet surfing using commercially available filtering devices if possible. • Limit employees’ access to only information that they need to access to perform their work. • Limit physical access to devices used for online banking to authorized individuals. • Regularly back up your data, including documents, spreadsheets, databases, financial files, HR files, accounts payable files, and all other files that are needed by your business. Hard drives crash, malicious programs wipe out data, computers die, etc., and you want to be prepared with a good backup. • Be cautious of those claiming to be bank personnel. The bank may legitimately call you for business purposes; however, if you are unsure the person contacting you is legitimate, call the bank directly using a published phone number and ask to speak to someone in customer service or to the person who called you. • Visit the Bank’s Privacy and Security website often for updates on our internal security measures and recommendations for security. • Act quickly. If you suspect your financial information is compromised, call us immediately at 855-ASK BANK (855-275-7226). Trojan Viruses • Trojan viruses are frequently used to target bank customers to steal their online banking credentials. The virus incorporates a keylogger to steal the user’s keystrokes as he/she is typing them into various sites, including banking sites. Once the criminal has stolen the user’s credentials, he/ she is able to log into the user’s bank site and make transfers or create illicit ACH transactions to unauthorized accounts. These viruses are often spread through phishing emails or by “drive-by downloads” (unintentional downloads that occur when installing infected ActiveX controls or Java applets, e.g., or when visiting an infected website). The viruses are extremely difficult to detect using virus software. We recommend that you do your online banking on devices that are used only for banking, rather than using devices that are also used for email and internet surfing, to avoid being infected by this type of virus. For business customers, we require that you perform certain transactions on dedicated devices (as determined by your contract with us).

Security: Protecting Your Information