The Internet Banking is an easy and convenient way of banking online. Yet, it is safe and secured, here are few things to consider:

• Password Protection
• Online Banking
• Browsing the Internet
• Email

Password Protection

• Never share your passwords, user ID and Security Info. with anyone.
• Never write your passwords down where they could be easily found by others.
• When creating passwords, don't use information that could be easily linked to you (like your birth date, phone number, or the names of pets or hobbies).
• Change your password often.
• If you share your Laxmi iBank passwords with any one (even an aggregation site), we have to assume that you've authorized that party to access your account(s).
• If you decide to revoke any access to an aggregation service that you have shared your password with, we recommend changing your password.
• Laxmi iBank recommends that you change your password every 45 days.

• Never leave your computer unattended while using any online banking or investing service.
• Always logoff completely when you are finished with your secure session.
• If you are providing financial information, be sure the site is secure. Look for the "closed padlock" in the lower right hand corner of your browser.
• Do business with financial institutions that you know and trust.
• Watch out for copycat sites that may try to look like a financial institution. Be sure you are using the correct Web address for your bank.
• If you're considering an "online bank" verify the bank is legitimate.
• Only access your personal financial information from a computer you "trust". Internet kiosks and cyber cafe's may not be as secure as your personal computer.

• Before entering any personal or financial information on any Web site, we strongly suggest you review the terms and conditions.
• Keep your browser updated. Newer versions have the latest safety features. It's also important to know which browsers are recommended by the sites you are viewing.

• Email is not generally considered secure.
• Never enter personal financial information such as account numbers or your User ID and password in an email.
• Use secure messaging when it's available. Most online banking applications have a secure messaging feature, such as an online form.
• Be wary of opening suspicious emails or their attachments — especially from someone you don't know. Viruses can be passed along, even without the sender's knowledge.
• Beware of email scams. If an email describes a virus that is circulating, be sure to verify it with the Web site of one of the virus software manufacturers.