Welcome to Maybank2^e.net!

Malayan Banking Berhad (hereinafter referred to as "Maybank") is highly committed to ensuring that all transactions performed through www.maybank2^e.net (hereinafter referred to as "Maybank2^e.net") are secure, safe and confidential. This section explains our related security arrangements, privacy policy and client charter.

THIS SECURITY ARRANGEMENT DETAILS THE PROCEDURES EMPLOYED BY MAYBANK IN SAFEGUARDING THE SECURITY AND INTEGRITY OF ANY INFORMATION AND TRANSACTIONS TRANSMITTED OR MADE VIA Maybank2^e.net AND OF Maybank2^e.net ITSELF.

Introduction

We shall at all times and to the best of our ability, endeavour to ensure that all materials, data, communications and/or information exchanged, disclosed, shared, stored or otherwise used ("Information"), or any transactions which are made via Maybank2^e.net ("Transactions") are kept private and confidential. Further thereto, we shall comply with and adhere to the requirements of Bank Negara Malaysia pertaining to the privacy and confidentiality of the Information and Transactions as well as the need to maintain the security and integrity of Maybank2^e.net. In pursuance of these objectives, we have set in place a multitude of security procedures and requirements which are designed to ensure the optimum security of the Information, Transactions and Maybank2^e.net at all times, all of which are elaborated upon below.

Data Privacy, Confidentiality & Integrity

In order to ensure the privacy, confidentiality and integrity of the Information and Transactions transmitted or made via Maybank2^e.net, we have engaged the use of a combination of authentication, encryption and auditing mechanisms which serve as a powerful barrier against all forms of system penetration and abuse.

These mechanisms include but are not limited to the following:-

	Authentication;
	Information Protection;
	Data Confidentiality & Data Integrity;
	System Security & Monitoring; and
	Computer Virus Protection.

Authentication

To prevent unauthorised access to our online financial services as offered through Maybank2^e.net, every user is required to select a username ("Username") and an alphanumeric password ("Password"), which are the Access Keys to your financial information, banking facilities and the product and services offered via Maybank2^e.net . The Username must be between 6 to 16 characters and the Password must be between 8 to 12 characters. In both cases, special characters and spaces should not be used, with the exception of underscore.

The Username and Password are case sensitive. For example, if your Password is "maybank2e" and you key in "maybank2e", you will not be able to login (the "e" must be lowercase).

To ensure the integrity of these Access Keys, you are advised to maintain its confidentiality by not sharing it or making it accessible to any other person and to take all reasonable endeavours to maintain its security which may include, memorising the Access Keys, changing your Password regularly and signing off before visiting any other Internet sites.

In addition, users who are acting as authorisers are required to use digital certificates for the purposes of ascertaining and authenticating their identity before a transaction is approved.

Information Protection

We take considerable effort to ensure a safe and secure online experience, but we do not have control over the computer you use to access Maybank2^e.net. As an added security feature, we have incorporated an automatic log out function if no activity is detected after a preset time limit.

However, you must ensure that your computer and you do not provide anyone opportunity to gain access to your account information. The following are several tips and guidelines that may assist you:

	Ensure no one has access to your computer, Access Keys or records of your online activities.
	Always log out of Maybank2e.net immediately after completing transactions and before visiting other websites.
	Do not send any information about your account or other financial or confidential information via email.
	Disable the AutoComplete function on your browser to avoid automatic completion of your Access Keys when you type in the said Access Keys.

For example: To turn AutoComplete "On" or "Off" in MS Internet Explorer browser:

Data Confidentiality and Data Integrity

To ensure data confidentiality and integrity, all information transmitted over the Internet is encrypted using the 128-bit Secure Sockets Layer (SSL) protocol from Verisign Certificate Authority. SSL is a secure way of transferring information between two computers on the Internet using encryption. Strong end-to-end encryption is also adopted within our computer networks and resources.
		Click seal to view the certificate

Maybank2e.net is WebTrust certified. This certifies our compliance with leading international security standards and Best Practices, as well as our commitment to maintaining a secure environment. WebTrust is an independent corporation that monitors and tests our facilities to assure that we maintain the highest and most current standards in Internet information security and exchange.
		Click seal to view the certificate

Systems Security and Monitoring

Maybank has adopted a combination of the following systems security and monitoring measures for online transactions:

	Firewall systems, strong data encryption, anti-virus protection and round-the-clock security surveillance systems to detect and prevent any form of illegitimate activities on our network systems.
	Regular security reviews of our systems by our internal system auditor as well as external security experts.

In addition to the measures adopted by us, we would recommend that you consider installing a personal firewall or, at a minimum, power-off your PC when it is not in use.

We also take every effort in ensuring collaboration with major vendors/manufacturers to keep abreast of information security technology developments, for possible and future implementation.

Computer Virus Protection

Computer viruses are real and once your computer is infected it can cost you time, loss of information, repair expense, and aggravation. Make sure your computer has an anti-virus protection program installed to reduce the risk.

We recommend that you purchase a program that automatically upgrades your virus protection on a recurring basis. If you currently have a virus protection program on your computer without the automatic upgrade feature, make sure you update your virus protection program at least monthly and/or when you hear of a new virus to minimize your risk. You can do this by visiting the Internet site of the company that provides your virus protection program.

In addition, we would advise against opening attachments from others or using diskettes unless you have absolute certainty that you can trust the source. Notwithstanding, we would advise that you still remain cautious as whoever sent you that attachment or gave you the diskette may themselves be unaware that they have carried the virus to you.

Non-Repudiation

Further to the rest of this Security Arrangement and for the purposes of clarification, any and all Transactions which are initiated by or originate from the Customer's Access Keys (which shall be taken to include the Access Keys of the Customer's duly appointed users) shall be deemed to have been initiated or originated from the said Customer and accordingly, we shall be entitled to carry out the said Transactions as if we had been duly instructed to do so by the respective Customer.

We also maintain and constantly update the logs of the Transactions which record, among others, the Transactions entered into by our Customers (including you) and the nature, time and date of the same, all of which serves to enable us to verify the various Transactions made and act as evidence thereof should there ever arise a dispute as to the same.

Access Control & System Design

Maybank2^e.net is designed and developed with the primary and utmost intention of safeguarding the security and integrity of all Information and Transactions at all times. Pursuant thereto, Maybank2^e.net deploys a wide range of security features all of which are constantly reviewed and audited to determine their effectiveness and further updated and maintained to ensure that these security features perform at optimum standards at all times.

We also adopt a variety of monitoring and review measures upon the security and integrity of Maybank2^e.net, which include but are not limited to:-

all of which are designed and implemented to intercept and prevent any form of attack on, penetration of or otherwise unauthorised access into Maybank2^e.net and to ensure that the critical sectors of Maybank2^e.net including the storage of the Information, the Information itself and the processing and authentication of the Transactions are, at all times, kept free from such attack, penetration or unauthorised access ("System Security Monitors").

We shall also endeavour to conduct regular and thorough reviews or audits of our System Security Monitors, both by our internal security auditors as well as by external security experts. These reviews and audits may include but are not limited to actual penetration testing and intrusion detection on our said System Security Monitors which will enable us to determine whether there are any defects, faults, malfunctions or shortcomings (the "said defects") in the same. In the event the said defects or otherwise a breach of Maybank2^e.net is discovered, we shall in the case of a security breach, promptly report the same to the appropriate management and Bank Negara Malaysia and immediately proceed to rectify or remedy the same. For this purpose, we may be required to temporarily or indefinitely suspend all use of Maybank2^e.net until such time when the said defects are rectified or remedied without any notice and without any liability whatsoever to you.

While we have the capabilities to ensure that the privacy, confidentiality and integrity of the Information, the Transactions as well as the security and integrity of Maybank2^e.net itself are at all times, safeguarded, maintained and secure, we shall from time to time collaborate efforts with other major hardware, equipment or software vendors and manufacturers in an effort to keep abreast with the developments and improvements made to the same. Accordingly, where we believe that such developments and improvements would serve to provide enhanced security to the Information, Transactions and Maybank2^e.net above, we shall not hesitate to implement the same for our joint-benefit.

WE FIRMLY BELIEVE THAT THE PRIVACY OF OUR CUSTOMERS'INFORMATION IS FUNDAMENTAL TO SECURING PUBLIC TRUST AND CONFIDENCE IN OUR PRODUCTS AND SERVICES AND THEREFORE, IT IS OUR POLICY TO RESPECT, MAINTAIN, PROTECT AND SAFEGUARD, AT ALL TIMES, THE PRIVACY OF OUR CUSTOMERS' INFORMATION UNDER THE www.maybank2e.net WEBSITE WHICH IS OPERATED BY US AT MALAYAN BANKING BERHAD.

Introduction

We have always considered our Customers and their interests as being of utmost priority in the provision of our products and services. For this reason and others, we are committed to ensuring that the privacy of your personal, banking and financial information as well as any other information in respect of or pertaining to the same which you have disclosed, shared, exchanged or otherwise provided to us ("Information") is at all times respected, maintained, protected and safeguarded.

Pursuant thereto and for your benefit, this Privacy Policy (which we may amend from time to time) is designed to explain and elaborate upon some of our policies and principles pertaining to the privacy of your Information, all of which we have adopted as a sign of our commitment to respecting, maintaining, protecting and safeguarding the privacy of your Information.

Types of Information Which We Collect

The types of Information which we collect varies depending upon how you access and use our products and services. Nevertheless, the Information which we collect generally comprises of data and information pertaining to yourself such as your name, National Registration Identification Card (NRIC) No. as well as other financial and banking information as may be relevant to provide the products and services where the Customer is a company or organisation, information pertaining to, among others, the Customer's users and any other relevant business and financial information pertaining to such company or organisation .

Use of the Information

The Information which we gather from you is generally meant to be used in the ordinary course of our business including the provision of our products and services to you as requested. However, our use of your Information may also extend to other purposes, among others, to enforce or defend any of our rights, to comply with all applicable legislation, laws and regulations as well as the requirements of any legal, regulatory or other authoritative bodies, to enhance the quality of our products and services and to prevent fraud or illegal activities. Further, such Information may also be used to prepare demographics concerning our Customers' use of our products and services which may, at our sole discretion, be made available to our third party vendors, advertisers, affiliates or relevant third parties in aggregate or demographic form from which individual Customer's identities cannot be ascertained.

Employee' Access to the Information

We repeat our commitment to respect, maintain, protect and safeguard the privacy of your Information by ensuring that any access to the Information is restricted to our duly authorised employees, all of whom are fully trained and well-equipped to handle your Information. Each of our said duly authorised employees is required to adhere to our commitment herein and specifically to our dedication to safeguarding the privacy of your Information at all times. Failure by our respective duly authorised employees herein to comply with the same and generally the terms of this Privacy Policy shall be met with utmost strict disciplinary action.

Security Measures Employed to Safeguard the Privacy of the Information

It is our policy to ensure that adequate and stringent security controls, measures and protocols are employed to safeguard the privacy of your Information, all of which shall continue even after whatever contractual relationship between you and us has come to an end. While we shall use our best efforts to ensure that the privacy of all Information is kept secure, it is an accepted fact that no data transmission conducted over the Internet can be guaranteed to be wholly secure.

Further thereto, we shall neither be held responsible nor liable for any damages or losses which you may suffer, whether directly or indirectly, as a result of the said Information being stolen, tampered with, copied, abused, misused or otherwise violated.

Further information on the security controls, measures and protocols which we have employed herein are specified and elaborated upon in our SECURITY ARRANGEMENT, which we trust you will read and understand.

Sharing of Information
We shall, at all times, endeavour to safeguard the privacy of your Information and accordingly, we do not disclose the same to any third party or external organisations. Notwithstanding this and for the purposes of helping us serve you better, your non-banking and non-financial information may be provided to our third party vendors, advertisers, affiliates or relevant third parties subject to your consenting to the same. Further thereto, where such non-banking and non-financial information is provided to these entities, we shall take all reasonable efforts to ensure that they comply with the same standards regulating the privacy of your Information as that which is imposed by us. Nevertheless, should you wish at anytime to withdraw your consent and you do not want your non-banking and non-financial information being further disclosed to these entities or do not want to be solicited for further products or services which are offered by us or them, please notify us accordingly via electronic-mail or post at the contact addresses as specified in section 9 below.

Notwithstanding the generality of this Privacy Policy and while we shall, at all times, endeavour to safeguard the privacy of your Information, we may nevertheless disclose your Information to other entities where such disclosure:-

Customer's Choices in Respect of the Provision of the Information

While you are neither bound nor obligated to provide us with any of your Information, your choice not to do so (whether due to your disagreement with the methods employed by us to safeguard the privacy of your Information or otherwise) may result in you being prohibited from accessing or making full use of our products and services, neither of which shall render us responsible or liable therefor.

Accuracy of the Information

We acknowledge that the accuracy of your Information provided to us is essential, among others, to the provision of our products and services to you. Accordingly, it would be in your best interests to ensure that whatever Information which you provide to us is, at all times, accurate, complete, current and true.

For this purpose, you are encouraged to help us maintain accurate records of your Information by notifying us of any changes to the same so that we may amend or update your Information where necessary. Should you also have any other queries concerning your Information or its accuracy, or have reasons to believe that your records with us are inaccurate, incomplete or has not been updated, please inform us accordingly. Any such notification or queries can be made by contacting our Helpdesk or emailing us, at the contact number and address in the last section.

AT MALAYAN BANKING BERHAD, WE ARE COMMITTED TO ENSURING THAT THE STANDARDS OF OUR PRODUCTS & SERVICES PROVIDED TO OUR CUSTOMERS UNDER THE www.Maybank2^e.net WEBSITE IS AT ALL TIMES, RELIABLE, OF HIGH QUALITY AND IN ACCORDANCE WITH OUR CLIENT CHARTER SET OUT BELOW.

Ensuring Safe Operations

We shall, at all times, use our best efforts in ensuring that our products and services, all of which are offered by us or our third party vendors, are dependable, reliable and secure. We also endeavour to ensure that all the necessary computer and network security standards including high-end access and authentication protocols are installed as well as employing the use of firewalls at strategic points, all of which are engaged to protect, secure and safeguard the integrity and privacy of any transactions which you may enter into with us.

Safeguarding the Privacy of Your Information

We recognise the fundamental importance of public trust and confidence in our products and services. Accordingly, we have made it our policy to respect, maintain, protect and safeguard, at all times, the privacy of your personal, banking and financial information as well as any other information in respect of or pertaining to the same ("Information") which you have disclosed, shared, exchanged or otherwise provided to us.

Pursuant to our objectives above, we have set out certain principles regulating the privacy of your Information, all of which are specified and elaborated upon in our PRIVACY POLICY, which we trust you will read and understand.

Providing Reliable & Quality Services

We believe that your comfort and satisfaction is of paramount importance to us and for these purposes, we are responsive and at all times welcome your suggestions and comments in respect of the same. Pursuant thereto, we endeavour to use all practicable methods in providing you with reliable and high-quality services, among which include using high-end hardware, equipment and software, engaging qualified & trained personnel as well as employing business methodologies which are in compliance with the requirements of Bank Negara Malaysia.

Ensuring the Transperency of Our Products & Services

We are committed to ensuring the transparency of our products and services at all times and pursuant thereto, we shall not in the provision of our products and services engage in conduct which is deceptive, fraudulent or otherwise misleading. We shall also ensure, to the best of our ability, that any and all representations, statements and assurances which are made or provided by us with regards to our products and services are at all times accurate and true.

Providing Prompt Response & Action for Customer Inquiries & Compliants

We, at all times, welcome and encourage you to raise any inquiries, feedback, comments, suggestions, concerns or complaints which you may have in respect of our products or services, which we, on our part, shall use our best efforts to promptly attend to and where needed, to render the necessary action in respect of the same.

For this purpose, please do not hesitate to contact our Helpdesk:-

CASH MANAGEMENT
ENTERPRISE FINANCIAL SERVICES
23RD FLOOR, MENARA MAYBANK
100, JLN TUN PERAK
50050 KUALA LUMPUR

TEL. : 1-300-887788
FAX. : 603-20720548
E-MAIL : maybank2e-helpdesk@maybank.com.my


Copyright 2002
Malayan Banking Berhad