SECURE AND RELIABLE

Here at Burke & Herbert Bank & Trust Co. we recognize how important it is for our customers to feel confident in the knowledge that their online banking experience is free from 'security worries'. Whether you are paying bills, transferring money between accounts or reviewing your balances, you are in a secure website. Here's some ways we do that:

• Everyone has their own unique online ID and password which is always the first line of defense. They should not be written down or shared with anyone.
• We employ Multi-Factor Authentication which includes not only your online ID and password, but also challenge questions based upon your activity. A Personal Identification Image that is assigned to you assures you are always logged into our Burke & Herbert Bank website.

SAFEGUARD PRECAUTIONS

Follow these suggestions to help keep your information protected while online either banking, shopping, or just 'surfing':

• Your password should be a combination of letters and numbers that is not easily guessed such as your birth date, anniversary, or home address.
• Don't provide any personal information in replies to e-mails from someone you do not know or to addresses you don't recognize.
• Make certain that you have an anti-virus protection program that will scan all incoming e-mails for computer viruses.

UNDERSTANDING COMMON ONLINE THREATS

Phishing is the practice of sending fake e-mails that pretend to be from a trusted source. They ask you to click onto a fraudulent website that looks just like the real one and then they try to solicit personal information from you. Your best defense here is to delete any suspicious e-mails that you receive.

Malware is designed to infiltrate and damage computers without you knowing about it. Some examples are viruses and worms. Again, your best defense is to be aware of who is sending you e-mails and deleting the suspicious ones.

Pharming intercepts Internet traffic and routes it to a fraudulent site where the user is susceptible to malicious activity. Your best defense is to stay away from Web sites that aren't known to be at least reasonably trustworthy and not to blindly click on links in emails.

BURKE & HERBERT BANK & TRUST CO. strives to provide the latest in banking products, services, and technology. We pride ourselves on the 'thread of integrity' that weaves its way back to 1852. Be sure to contact our Customer Service Department at 703-684-1655 with your questions or concerns.

This policy applies only to individuals obtaining financial products or services primarily for personal, family, or household use. We reserve the right to change it, or any supporting or related policies or procedures at any time.