Our security measures
Here are some of the ways we provide the utmost in online security:

• We use Secure Sockets Layer and Transport Layer Security to provide a 128-bit secure link between your browser and us. A Global Digital certificate signed by VeriSign assures that you are, in fact, communicating with Barclays and not a copycat site.
• We have built a time-out into your login session. Your connection to our site will be closed after a period of inactivity. This protects you in case you forget to log out.
• We use firewalls and other technology to block unauthorized traffic to our site. Our state-of-the-art monitoring equipment ensures that unauthorized access is prevented.
• Information is always encrypted between areas of Barclays and between Barclays and our partners. Not only is communication between you and Barclays encrypted, but also between Barclays and its business partners. It's one more way to ensure the security of your personal information.

Our email security standards

We will never ask you in an email to verify sensitive information such as your full account number, user name, password or Social Security number.

If you have any doubts about the authenticity of an email, please call 1-888-710-8756. We are available 7 days a week, 8:00am ET to 8:00pm ET.

What you can do to protect your security
In addition to the latest security technology, here are some tips to protect your security:

Know WHO you are dealing with.

• Interact with reputable companies. If you are unsure of the company, ask for paper brochures/materials to be sent to your home.
• Check to be sure you are on the website of the company with which you want to do business. Website names (URLs) that are very similar to those of legitimate companies can easily be created by someone intending to commit fraud.
• Take the time to read the provider's Website Privacy Policy before proceeding. This should outline both the company's security measures and personal information sharing policies. Protect your personal information.
• Never disclose your password to anyone, even a customer service representative from that company.
• Only provide information to merchants that is necessary for the transaction.
• Ensure the site is encrypted before providing account or other personal information. Look for a key or lock on your screen and confirm the URL begins with https://
• Use unique passwords - avoid date of birth, Social Security number, or simple words.
• Avoid sending personal information via email unless the security is specifically outlined.
• Always keep a record of your online transactions.
• Use a secure browser.
• Never disclose your password to anyone, even a customer service representative from that company.

Protect yourself from email scams
Barclays is committed to keeping your information secure. You can protect yourself by being aware of common tricks used to obtain access to your information.

Recently, some reputable companies have experienced email fraud. In these scams, individuals received an email linked to a website that looks like it came from the reputable company, often a bank or other financial institution. The email usually states that there is a problem with the customer's account and requests the customer's username and password. This type of scam is called spoofing or phishing. You are the first line of defense against phishing. Never provide your username and password in response to an unsolicited request.

By following a few helpful hints when viewing your email, you can help protect your personal information. Consider the following:

• Only open email attachments when you recognize the sender. Attachments are sometimes used to spread computer viruses that could access your personal information.
• Do not include sensitive information such as your full account number, Social Security number, username, password, or bank account number in emails you send. Barclays will never include sensitive information or full account numbers in emails we send to you.
• Many fraudulent emails contain spelling or grammatical errors. Do not respond to an email if there are obvious mistakes.

Security is very important to us. If you have any questions or if you wish to validate the authenticity of a communication, you can always contact us securely by calling 1-888-710-8756 or by logging into your account to send a secure email.

For more details, visit the Privacy, Identity & Online Security page located on the Federal Trade Commission's website at www.consumer.ftc.gov/topics/privacy-identity-online-security

Electronic transfers
When you open an account with us, we will provide you with the following information:

• A summary of your liability for unauthorized electronic fund transfers; EFTs; the telephone number and address to report any instances of an unauthorized electronic transfer
• The Bank’s business days on which the Bank is open for servicing customers
• The type of electronic fund transfers that you may make and any limitations on the frequency and dollar amounts of the transfers
• Any fees imposed by the Bank for electronic fund transfers or for the right to make transfers
• A summary of your rights to receipts and periodic statements, as well as notices regarding preauthorized transfers
• A summary of your right to stop payment of a preauthorized electronic fund transfer and the procedure for placing a stop-placement order
• A summary of the Bank’s liability to you for failure to make or to stop certain transfers
• The circumstances under which, in the ordinary course of business, the Bank may provide information concerning your account to third parties
• A notice concerning the error resolution process

We may provide disclosures and periodic statements to you in electronic form, subject to your consent and other provisions of the E-Sign Act.

In case of errors or questions about your electronic transfers and/or statement(s) call us at 1-888-710-8756 or write us at PO Box 70378, Philadelphia, PA 19176 (or such other address as we may provide to you from time to time) within 60 calendar days after the FIRST statement made available to you on which the problem or error appeared.

We will investigate your complaint and will correct any error promptly. If we take more than 10 business days to do this, we will credit your account for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation.

If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at 1-888-710-8756 to find out whether or not the deposit has been made. We're here to help you, seven days a week from 8:00 am to 8:00 pm ET.