To ensure maximum security of Rendimax customers’ data and transactions, the Private Area of the site adopts an SSL certificate which guarantees the authenticity of the site and the confidentiality of the information in transit between the Banca Ifis server and your  web browser. The closed padlock in the address bar of your browser provides further information on the security of the site. Security for your transactions From 22 May 2017, Banca Ifis has introduced a new strong authentication system (Strong Authentication) which provides for the use of a Customer Code, a password and a temporary code (OTP – One Time Password). You can choose how to generate the OTP from the following alternatives:

• Secure Call: to use this mode, you must be contacted from the mobile phone number recorded in your personal profile and enter the OTP code that appears on the screen from the keypad of your mobile phone following the instructions that appear on the screen;
• Token Software: to use this mode you need to download the Banca Ifis Retail app, available for free at iOS and Android official stores. Inside the app, there is a special feature that allows you to generate the OTP code.

You can change the mode to generate the OTP by accessing the Utility section in the Private Area. You will be asked for the OTP code to:

• Access to the Private Area (login);
• Authorise transaction instructions (for example, activation of a time deposit, a bank transfer instruction and requests in the Utility section).

Tools to access the Private Area:

• Customer Code: this is the code that was sent to you via e-mail on opening the account (when Customer Service received the signed contract and the first bank transfer);
• Password: this is the code that was sent to you by text message when the account was opened (when Customer Service received the signed contract and the first bank transfer) and which you changed on first access;
• OTP: is a temporary “disposable” code called One Time Password that you must generate via Secure Call or Token Software.

  What to do if the codes are stolen Block access to the Private Area:

• Immediately block access to the Private Area by calling Customer Service
• Within 48 hours of blocking access to the Private Area, report the theft to the Judicial Authority or Police
• Notify Customer Service promptly and, in any case, within two operating days, requesting the issue of new credentials at the same time
• Send a copy of the police theft report to Customer Service by registered letter with return receipt.

Unblocking access to the Private Area Request reactivation of access to the Private Area by calling Customer Service.   What to do if you lose the codes Customer code Send an e-mail to the default Customer Service e-mail address, asking to be sent a new code. We will send you an e-mail with your code as soon as possible. Password Call Customer Service and ask to be sent the code. We will generate a new password as send it to you via sms.   Tips for the security of your devices:

• Make sure you keep your operating system and your computer and smartphone apps up to date;
• Only download official updates, available on manufacturers’ websites. To install apps on your smartphone, refer only to the official stores;
• Install appropriate security software (antivirus and personal firewall, etc.) and remember to keep them up to date;
• Be wary of any e-mail inviting you to download or run programs when you do not know the source;
• Carefully store your personal data. This is the only data that allows us to recognise you. Remember that Bank Ifis operators will never ask you to disclose your login credentials;
• Change the password regularly;
• Verify the authenticity of the connection with Banca Ifis by checking the site name in the navigation bar and via the presence of the certificate in the private area (the padlock icon in the navigation bar and reference to Banca Ifis SpA);
• Enter the bank address directly in the navigation bar. Do not click on links in suspicious e-mails: they may lead you to a fake site;
• Always activate alert notifications for purchases and transactions, even for small amounts;
• Be wary of any request to enter or urgently communicate any of your personal codes or other personal information;
• If possible, do not store your passwords in the browser and remember to update them often.

We remind you that you should be the only person with access to and use of the mobile number and e-mail address you provided us when you opened the account. If you think that such sole use has been compromised, contact Customer Service.   RENDIMAX DEBIT CARD Debit card blocking In the event of loss, theft or if you have reason to fear that the security of your debit card has been compromised:

• Block the card by calling the Centrale di Allarme (Interbank Alarm Centre) (from Italy 800 822 056, from abroad +39 02 608 437 68 and from the USA 1 800 348 9906) communicating the personal data of the card holder and the card number or iban of your account or block the card by calling Customer Service, available from Monday to Friday from 8:00am to 8:00pm and Saturday from 8:00am to 2:00pm;
• Within 48 hours of blocking the card, report the incident to the Judicial Authority or Police;
• Notify Customer Service promptly, and in any case within two operating days;
• Send a copy of the police theft report to Customer Service by registered letter with return receipt.

Unblocking the debit card To unblock the debit card (following incorrect PIN entry or finding the card), use the appropriate function in the Utility section of the Private Area. Your card unblocking will be e-mailed to your default e-mail address. Generation of new PIN If you wish to request a new PIN (following theft or loss) use the appropriate function in the Utility section of the Private Area. For your security with the debit card

• Immediately place your signature in the appropriate area (opaque strip) on the back of the debit card;
• Comply with all the other contractual provisions;
• Keep your debit card with the utmost care;
• Store your card in a shielded case that protects it from potential thieves;
• Do not store the PIN number together with the debit card; do not store it on analog or digital media and do not communicate it to anyone. In any case, the PIN must never be kept together with the card;
• Take all necessary measures to prevent anyone from seeing the PIN entered: never enter the PIN in the presence of strangers, and above all, upon their solicitation;
• If you have activated the SMS service, promptly consult the messages received on your mobile phone: you will receive free information on the transactions executed on your account within the limits and under the conditions set out in the Information Sheet;
• Enter the PIN only after checking the amount of your payment;
• keep payment receipts for checking against theaccount statementand for detecting any unauthorised expenses quickly. In the event of “suspicious” transactions, contact Customer Service as quickly as possible;
• Be wary of strangers willing to help you carry out transactions, specifically, at Cash Points (ATMs for withdrawals);
• Frequently check the bank statement in your Private Area. Whenever you find withdrawals or expenses which you have not made, contact Customer Service;
• Store the debit card away from magnetic sources (e.g. magnets) or from excessive heat sources to prevent demagnetisation;
• Remember that the ATM is programmed, for security purposes, to withhold the card in he event of improper use: for example if you enter the PIN incorrectly 3 times, the card will be seized and held inside the machine;
• Remember that, in the Utility section of the Private Area, you can request to change the cash limits associated with your card;
• Always carry the phone number to block your debit card with you: from Italy: 800 822 056, from abroad: +39 02 6084 3768, from USA 1 800 348 9906

Rendimax Conto Deposito  Customer Service toll-free number: from Italy ((+39) 041 5027 646 from abroad) e-mail: assistenza@rendimax.it  

To ensure maximum security of Rendimax Conto Deposito data and transactions, the Private Area of the site adopts an SSL certificate which guarantees the authenticity of the site and the confidentiality of the information in transit between the Banca Ifis server and your web browser. The closed padlock in the address bar of your browser provides further information on the security of the site. Security for your transactions. The Private Area of the site adopts a strong customer authentication mechanism (SCA – Strong Customer Authentication) to access your account on-line, to make an electronic payment transaction and in any other action, through a remote channel, which may involve a risk of payment fraud or other abuse. The Strong Customer Authentication (SCA) is based on verification of at least two different factors, independent of each other, to verify the identity of a user. Factors can belong to the following categories:

• Knowledge: something that only the user knows (e.g. password);
• Possession: something that only the user owns (e.g. smartphone);
• Personal: something that characterises the user (e.g. fingerprint).

To access the Private Area and to authorise transactions, you will always need the following access data on hand:

• Customer code: this is the code that was sent to you via e-mail on opening the account;
• Password: this is the code requested on first time access to the current account and received by sms;
• OTP Codes (One Time Password): these are temporary unique codes that are generated through Secure Call, necessary to access or authorise transaction instructions (e.g. SEPA On-line Transfers, MAV and RIBA).

Furthermore, Dynamic Linking is an additional safety feature introduced by recent sector regulations to protect payment transactions on-line. The OTP code is generated uniquely based on the transaction data (e.g. Amount, Execution Date and IBAN, etc.). This OTP, called transactional OTP, will allow you to authorise only that one particular transaction. Please also refer to the page dedicated to PSD2, acronym for Payment Services Directive 2, a directive that has strengthened the protection of payment services users and increased the level of security of electronic payment services. Private Area Access. To access the private area of Ifis Impresa Conto Corrente, you will need to enter the Customer Code and access password. Next, you will need to authenticate using Secure Call. To do this, simply call the toll-free number shown on the screen, using the registered mobile phone and, when prompted by the voice guide, enter the OTP code that appears on the screen. Authorising transactions. To authorise transactions, changes to personal data, applications for increasing ceilings or general requests for help, you will have to call the toll-free number shown on the screen using the registered mobile phone and, when prompted by the voice guide, enter the first code OTP shown. Then, the voice guide will ask you to enter the second OTP code shown on the screen. After entering it, the transaction will be executed. Authorisation of all transaction instructions will be possible only by entering a unique transactional OTP code valid only for one-time use and specific to the transaction in question.   What to do if the codes are stolen Block access to the Private Area:

• Immediately block access to the Private Area by calling Customer Service;
• Within 48 hours of blocking access to the Private Area, report the theft to the Judicial Authority or Police;
• Notify Customer Service promptly, and in any case within two operating days; 
• Send a copy of the police theft report to Customer Service by registered letter with return receipt.

Unblocking access to the Private Area:

• Request reactivation of access to the Private Area by calling Customer Service.

  What to do if the codes are lost Customer code:

• Send an e-mail from the e-mail address linked to the account to the Customer Service e-mail requesting sending of the code. As soon as possible, we will send you an e-mail with your code.

Password:

• Call Customer Service requesting the code to be sent to you.

Security tips:

• Make sure you keep your operating system and your computer and your smartphone apps up to date;
• Only download official updates, available on manufacturers’ websites;
• To install apps on your smartphone, refer only to the official stores;
• Install appropriate security software (antivirus and personal firewall, etc.) and remember to keep them up to date;
• Be wary of any e-mail inviting you to download or run programs when you do not know the source;
• Carefully store your personal data. This is the only data that allows us to recognise you. Remember that Bank Ifis operators will never ask you to disclose your login credentials;
• Change the password regularly;
• Verify the authenticity of the connection with Banca Ifis, by checking the site name in the navigation bar and via the existence of the certificate in the private area (the padlock icon in the navigation bar and reference to Bank Ifis S.p.A.);
• Enter the bank address directly in the navigation bar. Do not click on any link in suspicious e-mails as they may lead you to a fake site;
• Always activate the alert function for notification on expenses and transactions, even for minimum amounts;
• Be wary of any request to enter or urgently communicate all your personal codes or other personal information;
• If possible, do not store your password on the browser and remember to update them often;
• Carefully check the data in the payment instructions during the authorisation step of the transaction itself and in the transactions list;
• Comply with contractual terms and conditions;
• If you have any doubt or suspect something is not right, contact Customer Service; 
• We remind you that the cell phone number and  e-mail account you indicated on opening the account must only be used by you personally: if you believe that this exclusive use has been compromised, immediately contact Customer Service.

We remind you that the cell phone number and e-mail account you provided on opening of the account must only be used by you personally: if you believe that this exclusive use has been compromised, immediately contact Customer Service.   Ifis Impresa Conto Corrente Customer Service Toll-free number: 800 522 122 from Italy ((+39) 041 5027 646 from abroad) E-mail: servizio.clienti@bancaIfis.it