<div class="security-article-paragraph">
<p><span class="TextRun SCXW224915446 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun SCXW224915446 BCX0"><span class="TextRun SCXW253404435 BCX0" lang="EN-US" xml:lang="EN-US" data-contrast="none"><span class="NormalTextRun SCXW253404435 BCX0">Security Tips:</span><span class="NormalTextRun SCXW253404435 BCX0"> Beware of </span><span class="NormalTextRun SCXW253404435 BCX0">scams</span><span class="NormalTextRun SCXW253404435 BCX0">! Do not provide bank, credit card, investment, insurance and MPF account or other key personal information via hyperlinks embedded in suspicious messages purported to be coming from ZA Bank! </span><span class="NormalTextRun SCXW253404435 BCX0">Should you have any doubts </span><span class="NormalTextRun SCXW253404435 BCX0">regarding</span><span class="NormalTextRun SCXW253404435 BCX0"> the identities of the message senders or authenticity of the messages, please call </span><span class="NormalTextRun SCXW253404435 BCX0">us</span><span class="NormalTextRun SCXW253404435 BCX0"> at (852) 3665 3665 </span><span class="NormalTextRun SCXW253404435 BCX0">for verification</span><span class="NormalTextRun SCXW253404435 BCX0">.</span><span class="NormalTextRun SCXW253404435 BCX0">&nbsp;&nbsp;</span></span><span class="EOP SCXW253404435 BCX0" data-ccp-props="{}">&nbsp;</span>&nbsp;</span></span></p>
<p>&nbsp;</p>
<h4>Protect your Personal Digital Keys, Beware of Fraudulent Links!</h4>
<iframe src="https://www.youtube.com/embed/EH3i6u6fD8g" width="100%" height="400px" frameborder="0" allowfullscreen="allowfullscreen"></iframe></div>
<div class="security-article-paragraph">
<h4>Education Video - Beware of Bogus Phone Calls and SMS Messages. (Chinese version only)</h4>
<iframe src="https://www.youtube.com/embed/bgcEpqY_LsI" width="100%" height="400px" frameborder="0" allowfullscreen="allowfullscreen"></iframe></div>
<div class="security-article-paragraph">
<p><strong>SMS registered Sender ID(#ZABank, #ZA Bank or #ZA_Bank)</strong></p>
<iframe src="https://www.youtube.com/embed/AFm6TuwXP8Y" width="100%" height="400" frameborder="0" allowfullscreen="allowfullscreen"></iframe></div>
<div class="security-article-paragraph">
<h4>Illustration - Phishing Emails Purportedly from Banks</h4>
<h4><img style="max-width:100%" src="https://cdn.zaticdn.com/if/ipage/prd/data/image/c0daa65d-37ac-4687-93ee-e39730ae664b/bca1d12d-1d42-4fed-ac5a-bbbf9b7d1019/infographic_eng_full_.jpg" alt="" width="1488" height="2105"></h4>
<h4>You may also visit&nbsp;<span style="color: #e67e23;"><a style="color: #e67e23;" href="https://www.hkma.gov.hk/eng/smart-consumers/beware-of-fraudsters/" target="_blank" rel="noopener">the Hong Kong Monetary Authority&rsquo;s website</a></span>&nbsp;to learn more.</h4>
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Beware of Fraudsters

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<h4>1. After receiving your ZA Card</h4>
<ul>
<li>Don't use the card if the letter is damaged, and contact us immediately.</li>
<li>Check the information printed on the card. If the information is incorrect, contact us immediately.</li>
</ul>
</div>
<div class="security-article-paragraph">
<h4>2. Use your card safely</h4>
<ul>
<li>Keep your card, relevant card information and authentication factor(s) safe and secure. The Bank will proceed with your instruction (e.g. online payments) based on the authentication provided by the relevant authentication factor(s).&nbsp; Please ensure your authentication factor(s) is (/are) only bound to you, and confirm the details of the instruction before using any authentication factor(s).</li>
<li>Never give, lend, or rent your card to another person.</li>
<li>Keep your card and PIN separately.</li>
<li>You must lock your card in ZA Bank App and inform us via ZA Bank App online chat or at (852) 3665 3665 as soon as reasonably practicable after you find that your card / authentication factors have been lost, stolen or the authentication factors or your card information has been compromised.</li>
</ul>
</div>
<div class="security-article-paragraph">
<h4>3. <strong>Keep your authentication factors secure (e.g. username, PINs, authentication tokens)</strong></h4>
<ul>
<li>To reduce the risks associated (e.g. you may have to bear the loss incurred from unauthorized transactions) with the adoption of biometric, soft token or device binding as one of the authentication factors used for initiating relevant transactions (e.g. contactless mobile payment), you are suggested to observe the following protection measures to secure the devices and authentications.</li>
<li>Do not allow anyone else to use your card and authentication factors.</li>
<li>Do not write down your PIN on card or on anything usually kept with or near it.</li>
<li>Memorise your username, PIN and password and never write down or record them without disguising them.</li>
<li>Avoid using your personal information as your PIN, such as your ID number, birthday and phone number. You are advised to set a password that is difficult to guess and different from the ones for other services.</li>
<li>Change your ZA Card PIN regularly.</li>
<li>Don't reveal your username, PIN and password to anyone, including ZA Bank staff, government bodies, and the police.</li>
<li>Make sure that no one is looking over your shoulder when inputting an PIN and a password.&nbsp;</li>
</ul>
</div>
<div class="security-article-paragraph">
<h4>4. Use ATMs wisely</h4>
<ul>
<li>If you notice anything suspicious about an ATM and its surroundings (e.g., an ATM installed with suspicious features such as pinhole cameras or notices, an abnormal ATM appearance, or a suspicious person nearby), stop using the ATM immediately.</li>
<li>Cover the keypad while inputting your PIN to protect it from being stolen by criminals.</li>
<li>Remember to take your card and receipts after using the ATM.</li>
<li>Check out more Smart Tips on using ATMs published by the Hong Kong Monetary Authority:<span style="color: #000000;"> <span style="color: #e67e23;"><a style="color: #e67e23;" href="https://www.hkma.gov.hk/eng/smart-consumers/atms/">Hong Kong Monetary Authority - ATMs (hkma.gov.hk)</a></span>。</span></li>
</ul>
</div>
<div class="security-article-paragraph">
<h4>5. Make smart purchases with your card</h4>
<ul>
<li>Keep your ZA Card in sight when making POS purchases, and be aware of the cashier's activities.</li>
<li>Keep your ZA Card PIN and SMS OTP secure, and don't reveal them to anyone.</li>
<li>You're advised to keep copies of all sales slips.</li>
<li>Check your account transactions and balance regularly and contact us immediately if you have identified any irregularities.</li>
<li>Only conduct online transactions on trusted websites. (e.g. website address starts with &ldquo;https&rdquo;).</li>
<li>Avoid making online transactions via a public network or a shared computer.</li>
<li>Timely update your most current and accurate personal information and contact details with us, such as your mailing address, phone number and email address. Ensure your contact details registered with us for the purpose of receiving important notifications from us (for example, SMS and email notifications for online payment) are up-to-date to allow relevant notifications to be delivered to you on a timely basis.</li>
<li>Look out for transaction notifications and confirmation requests (e.g. ZA Verify) from us. You should only confirm to proceed with the transaction if it is performed by you.</li>
<li>Pay attention to the pre- and post-card transaction related notice issued by us. If any unauthorised or suspicious transaction instructions are found, contact us immediately.</li>
<li>Notify us as soon as practicable if there is any unusual or suspicious transaction on your ZA Card.</li>
<li>Only add and verify your ZA Card on your mobile wallet. Do not lend your mobile wallet or ZA Card to anyone.&nbsp;</li>
<li>Be aware of and follow the security advice provided by us from time to time.</li>
</ul>
<p>If you fail to duly protect your ZA Card (including but not limited to ZA Card information, sensitive personal information and authentication factors, and ignore pre- and post-card transaction related notification from the Bank), you may have to bear the liability for the responsibilities and loss of the relevant transaction. You may contact us via the ZA Bank App or our customer service hotline at (852) 3665 3665.</p>
</div>
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ZA Card Safety Tips

<div class="security-article-paragraph">
<h4>1. Security Tips Key Points</h4>
<ul>
<li>To reduce the risks associated (e.g. you may have to bear the loss incurred from unauthorized transaction) with the adoption of biometric, soft token or device binding as one of the authentication factors used for initiating relevant transactions (e.g. contactless mobile payment) , you are suggested to observe the following protection measures to secure the devices and authentications.</li>
<li>Secure your devices and authentication factors (e.g. biometric, soft token, device binding) that you use for banking services. &nbsp;Safeguard your personal belongings and do not disclose any sensitive information nor allow anyone else to use your authentication factors.</li>
<li>Change your bank account password regularly.</li>
<li>Avoid using easily accessible personal information such as your telephone number, ID Card number or date of birth as your password. You are advised to set a password that is difficult to guess and different from the ones for other services.</li>
<li>Do not write down or record the password and PIN without disguising it.</li>
<li>Never store your password and PIN on computers or mobile devices. In particular, do not write down your passwords on any device for accessing e-banking services or on anything usually kept with or near it.</li>
<li>When you enter your User ID, PIN or personal information, make sure that no one is watching you.</li>
<li>Notify us as soon as practicable after you identify unusual or suspicious transactions on your account.</li>
<li>Timely update your most current and accurate personal information and contact details with us, such as your mailing address, phone number and email address. Ensure your contact details registered with us for the purpose of receiving important notifications from us (for example, SMS and email notifications for online payment) are up-to-date to allow relevant notifications to be delivered to you on a timely basis.</li>
<li>You must inform us via ZA Bank App online chat or at (852) 3665 3665 as soon as reasonably practicable after you find or believe that your authentication factors or devices, if any, for accessing the e-banking services have been compromised, lost or stolen, or that unauthorized transaction have been conducted over your account. Upon receipt of your request, we will immediately secure your account.</li>
<li>Do not disclose your sensitive personal information (e.g. username, PIN, one-time password) to anyone. Our staff will not ask for sensitive personal information in any channels (e.g. via calls or emails).</li>
<li>Never access or log in to our banking services through redirection from any embedded hyperlinks in any message (e.g. email or SMS).</li>
<li>Do not input your bank account information or digital keys of e-wallets into unknown websites or applications, including your online banking account username, login password, one-time passwords (OTPs), etc.</li>
<li>Report to us immediately if you lose or replace your identity document.</li>
<li>You can verify if the internet address belongs to ZA Bank&rsquo;s website by clicking the 'Lock' icon at the browser's address bar to check the security certificate of the Bank.</li>
<li>Verify the transaction details including the payee name and amount when making transfers. If you have any enquiries, confirm with the payee before making the transaction.</li>
<li>Closely check the transaction notifications from us, and regularly check your transaction history and bank statements. If you discover any unusual or suspicious transactions, please report to us immediately.</li>
<li>Be aware of and follow the security advice provided by us from time to time.</li>
</ul>
</div>
<div class="security-article-paragraph">
<h4>2. Use of Mobile Application and Online Banking</h4>
<ul>
<li>Disable any wireless network functions (e.g. Wi-fi, Bluetooth, NFC) not in use. Choose encrypted and trusted networks when connect Wi-Fi to access your e-banking services.</li>
<li>Download and upgrade the mobile application (app) from official App Stores or reliable sources only.</li>
<li>Never jailbreak or root your mobile devices.</li>
<li>Do not open any doubtful attachments or click on hyperlinks embedded in any untrusted sources (e.g. email, SMS, instant message, QR code).</li>
<li>Use the latest versions and security patches of your operating system, banking App and browser.</li>
<li>Install and update the security software with latest virus and spyware definition.</li>
<li>Activate the passcode lock and auto-lock functions on your device. Wipe your device if it is lost or stolen.</li>
<li>Register your biometric credentials only on your mobile device.</li>
</ul>
</div>
<div class="security-article-paragraph">
<h4>3. Fraud Prevention Information</h4>
<ul>
<li>Be cautious of bogus calls, fraudulent SMS messages, and e-mails. &nbsp;Verify the identity of callers and be cautious of fraudsters who may impersonate the staff of the Bank.</li>
<li>Starting on 28 January 2024, ZA Bank will send you SMS messages with Sender IDs including #ZABank, #ZA Bank or #ZA_Bank.&nbsp;&nbsp;As a warm reminder, if you receive an SMS message without the prefix &ldquo;#&rdquo;&nbsp;indicating&nbsp;that it&nbsp;may be&nbsp;sent from an unregistered and unknown sender, please always stay vigilant and be cautious of SMS messages from unknown origin.</li>
<li>Please do not&nbsp;disclose&nbsp;any information, including personal information and bank account numbers, to unidentified senders, access any hyperlinks in the SMS, or transfer money as requested to avoid suffering any loss. You can also use the &ldquo;Scameter&rdquo; launched by the Hong Kong Police Force to assess the risk of fraud associated with the phone number or URL.</li>
<li>Watch out for money-laundering scams. Be wary of any &ldquo;business opportunity&rdquo; that involves receiving or holding money for strangers.</li>
<li>If you have any doubts about an incoming call number, web address, email address, transferee&rsquo;s account number and, etc., you can use the &ldquo;Scameter&rdquo; in CyberDefenders website of the Hong Kong Police Force or the mobile app of &ldquo;Scameter&rdquo; to assess the risk of fraud and cyber security, or call the &ldquo;Anti-Scam Helpline 18222&rdquo; for enquiries.</li>
<li>If you are suspicious about the identity of callers or any apparent intermediary / representative who promotes ZA Bank&rsquo;s products or services, call ZA Bank at (852) 3665 3665 to verify.</li>
<li>If you are suspicious about any fraudulent transaction or unauthorised activity related to your account, please contact us via ZA Bank App online chat or our hotline at (852) 3665 3665 immediately.</li>
</ul>
</div>
<div class="security-article-paragraph">
<h4>4. Other Security Information</h4>
<div class="security-paragraph-part">
<p>To learn more about security issues related to e-banking services, please click the following links:</p>
<p>Hong Kong Police Force:</p>
<ul>
<li><span style="color: #000000;"><a style="color: #000000;" href="https://www.police.gov.hk/ppp_en/04_crime_matters/tcd/index.html"><span style="color: #e67e23;">Cyber Security and Technology Crime</span></a></span></li>
<li><span style="color: #e67e23;"><a style="color: #e67e23;" href="https://cyberdefender.hk/en-us/">CyberDefender</a></span></li>
</ul>
</div>
<div class="security-paragraph-part">
<p>Hong Kong Monetary Authority:</p>
<ul>
<li><span style="color: #000000;"><a style="color: #000000;" href="https://www.hkma.gov.hk/eng/smart-consumers/"><span style="color: #e67e23;">Hong Kong Monetary Authority - Smart Consumers (hkma.gov.hk)</span></a></span></li>
</ul>
</div>
<div class="security-paragraph-part">
<p>HKSAR Government:</p>
<ul>
<li><span style="color: #000000;"><a style="color: #000000;" href="https://www.cybersecurity.hk/en/index.php" target="_blank" rel="noopener"><span style="color: #e67e23;">Cyber Security Information Portal</span></a></span></li>
<li><span style="color: #e67e23;"><a style="color: #e67e23;" href="https://www.infosec.gov.hk/en/">InfoSec</a></span></li>
</ul>
<p>&nbsp;</p>
</div>
</div>
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Security Tips

Protect your Personal Digital Keys, Beware of Fraudulent Links!

Education Video - Beware of Bogus Phone Calls and SMS Messages. (Chinese version only)

Illustration - Phishing Emails Purportedly from Banks

You may also visit the Hong Kong Monetary Authority’s website to learn more.