Presentation by Larry Ratcliff of Jefferson Bank on online banking security fundamentals at the 21st Annual Legal & Accounting Institute

2. Our History

3. • Founded in 1946

4. • Founded in 1946
• Has grown from a
single location on
Fredericksburg Road to
12 locations throughout
San Antonio, Boerne,
New Braunfels

5. • Owned and operated by the same family
since our founding

6. • Has been led by just four CEOs throughout
our history

7. Our Mission Statement
Earning long-term relationships
every day through integrity,
responsiveness, and commitment.

8. Online Banking
Security
Fundamentals

9. • Update your computer operating system on
a regular basis.

10. • Update your computer operating system on
a regular basis.
• Keep your browser current with the latest
security updates.

11. • Update your computer operating system on
a regular basis.
• Keep your browser current with the latest
security updates.
• Use updated anti-virus soware.
Common programs include:
McAfee VirusScan and
Symantec Norton AntiVirus.

12. • Change your passwords on a regular
basis, as a good practice, to help
prevent unauthorized access.

13. • Change your passwords on a regular
basis, as a good practice, to help
prevent unauthorized access.
• Download free soware only
from websites you know and trust.

14. • Do not install soware without knowing
exactly what it is or what it will do
(read the end-user-license-agreement.)

15. • Do not install soware without knowing
exactly what it is or what it will do
(read the end-user-license-agreement.)
• Close pop-up ads by clicking the
“X” instead of clicking within the
advertisement itself.

16. • Review your browser security settings
and set them to a high enough level to
help detect unauthorized downloads.
(Click your browser’s “Help” menu
for steps).

17. • Review your browser security settings
and set them to a high enough level to
help detect unauthorized downloads.
(Click your browser’s “Help” menu
for steps).
• Do not click links inside spam e-mail,
especially e-mails claiming to offer
anti-spyware soware.

18. • Install a personal firewall on your
computer. A firewall works like a filter
that prevents access to information on
your computer.

19. • Install a personal firewall on your
computer. A firewall works like a filter
that prevents access to information on
your computer.
• Use a dedicated and secured desktop
computer to access and initiate your
financial transactions.

20. Cash Management
Services

21. Benefits
• Increase efficiency and realize costeffective solutions by transferring
funds electronically.

22. Benefits
• Increase efficiency and realize costeffective solutions by transferring
funds electronically.
• Optimize earnings, manage cash position,
and reduce the time and expense involved
with managing finances

23. Services Offered
• ACH origination

24. Services Offered
• ACH origination
• Wire transfers

25. Services Offered
• ACH origination
• Wire transfers
• EFTPS

26. Services Offered
• ACH origination
• Wire transfers
• EFTPS
• Remote Deposit Services

27. Services Offered
• Merchant Services

28. Services Offered
• Merchant Services
• Target Balance Transfers

29. Services Offered
• Merchant Services
• Target Balance Transfers
• Positive Pay

30. Services Offered
• Merchant Services
• Target Balance Transfers
• Positive Pay
• Lock Box Services

31. Services Offered
• Merchant Services
• Target Balance Transfers
• Positive Pay
• Lock Box Services
• CD Image Archive

32. Types of
Security

33. • Passwords

34. • Passwords
• Single Sign On

35. • Passwords
• Single Sign On
• Watermark and Challenge Questions

36. • Dual Authorization Controls

37. • Dual Authorization Controls
• Dollar Limits

38. • Dual Authorization Controls
• Dollar Limits
• E-mail Alerts

39. • Dual Authorization Controls
• Dollar Limits
• E-mail Alerts
• Calendars

40. • Dual Authorization Controls
• Dollar Limits
• E-mail Alerts
• Calendars
• Time Restrict to
Transmit ACH Batches

41. • Time Restrict for Administrators and Users

42. • Time Restrict for Administrators and Users
• Internet Protocol (IP) Restrict

43. • Time Restrict for Administrators and Users
• Internet Protocol (IP) Restrict
• Static Internet Protocol (IP)

44. • Time Restrict for Administrators and Users
• Internet Protocol (IP) Restrict
• Static Internet Protocol (IP)
• Security Tokens