IsiNet Security Features and Notes

256-bit Secured Socket layer (SSL)

NBV IsiNet employs 256-bit Secure Socket Layer (SSL), which is the best commercially available encryption technology and the most commonly used worldwide by Internet Banking solutions. The encryption of data moving through the Internet protects customer information against disclosure to third parties.

GeoTrust Digital Certification

NBV IsiNet website is certified by a GeoTrust Digital Certificate. Digital Certificates provide the user with third Party evidence of the server's authenticity. This safeguards users from trusting unauthorized sites and allows the session to be encrypted. GeoTrust is an internationally acclaimed Certification Authority and its certificates are used worldwide by Internet Banking solutions. Click on the padlock icon in your browser address bar to see Digital Certificate information.

First Level Authentication

Username and password provides the first level of authentication to your NBV IsiNet account. Your Username and Password are both selected by you. You must keep the username and password private and confidential. Memorize your passwords; do not write them down. Change them regularly and use combinations of letters, numbers, and ‘special characters’ such as @, %, &, and #.

Changing Your Password

NBV recommends changing your password at least every two months. This is easy to do – just log in to your NBV IsiNet account, select the ‘settings’ drop down menu, then select the ‘change password’ item. Enter the required information to change your password.

Second Level Authentication

Username and password provide the first level of authentication to your NBV IsiNet account. This, however, is considered insufficient to protect users against a type of computer malware referred to as a ‘bot’. Bots are malicious software applications that infect your PC and are able to record your keystrokes. NBV protects users against Bot attacks in two ways:-

1. By providing general advice with regards to your personal computer security (see below) which we strongly urge you to implement, and
2. ‘Second Level Authentication’ which employs ad-hoc graphical techniques that allow the user to authenticate his/her identity in a way that Bots cannot interpret. Second Level Authentication is required for every IsiNet login session. You should not disclose your Second Level Authentication information with third-parties, including NBV employees.
   Once logged into your NBV IsiNet account, you can change your Second Level Authentication details in the same way that you change your password.

Locking Of Password

Access to your account through NBV IsiNet is automatically locked if you enter an incorrect password three times.

Session Expiry

Your online IsiNet session automatically expires after 10 minutes of inactivity, to prevent unauthorized access to your account if you happen to leave your IsiNet session active on your computer. You need to login again to resume using IsiNet.

NBV IsiMS

For NBV IsiNet customers based in Vanuatu, you may wish to subscribe to NBV IsiMS, which is a mobile messaging service that alerts you if there is any transaction against your Vatu currency account(s). A fee applies per SMS message. For more information, phone 22201 ext 501.

Security Tips to Protect Yourself Online

1. To help keep your PC secure, consider running:
• Firewall software
• Anti-Virus software
• Anti-Spyware software to check your PC regularly
2. If you ever receive a questionable e-mail message that contains an attachment, do not open the attachment. If you cannot confirm with the sender that the message is legitimate and that the attachment is safe, delete the message immediately.
3. Setup automatic software updates to ensure you have the latest security patches. NBV recommends you regularly check that you are running the latest version of the software you use to protect your computer from malicious email and web sites on the Internet. You need the latest updates for your anti-virus and anti-spyware software, your operating system (e.g. MS Windows) and your Internet browser (e.g. MS Internet Explorer).
4. Do not access NBV website or IsiNet through links in emails. We recommend you type "www.nbv.vu" into your web browser to protect you from NBV ‘look-a-like’ sites.
5. Avoid disclosing your login details via email. Never give away your password to anyone (not even someone claiming to be from the bank), and avoid writing it down or storing it on your computer. Most importantly, change your password on a regular basis.

Security Alert - Beware of hoax emails and scams

National Bank of Vanuatu advises that hoax emails are again in circulation.

Although they may appear genuine, they are fraudulent and have not been sent by NBV. Do not click on any links contained in these emails and ignore their instructions.

NBV does not send unsolicited emails informing you that your account will have limited access nor does it send emails requesting you to disclose confidential banking information.

Should you receive an email you believe to be a hoax, please email it as an attachment (if possible) to info@nbv.vu for verification.