Why is it important that you adhere to these rules?
If you adhere to these rules you will strongly reduce the chance of becoming a victim of fraud. The bank is legally obliged to refund to you as a consumer any amount of money that is withdrawn from your bank account without your permission. In certain cases the law allows the bank to charge a deductible of no more than EUR 150,-. However, the bank is not always obliged to reimburse the sum withdrawn from your account (less the maximum EUR 150,- deductible, where applicable). If you keep to the following five Safety rules you will not run the risk of being held fully liable for your loss.

What do you need to do?
1. Keep your security codes such as, pin code, password and authentication codes of the password token secret.
2. Make sure your bank card is never used by anyone else.
3. Make sure that the devices you use for electronic banking are properly secured.
4. Monitor your bank account activity.
5. Report any incidents to the bank immediately and follow any instructions given to you by the bank.

6. Installation ICBC Amsterdam Plug In (and first time login).

These Safety rules are explained in more detail below.
1. Keep your security codes secret
- Make sure that no-one else can find out what your security codes are, such as pin code, password and authentication code.
- These security codes are for your personal use only. Do not write down or electronically save these codes. If you really must write your codes down, make sure you encrypt them so that only you can work them out. In this case, do not keep the encrypted information together with your bank card or the device you use for electronic banking.
- If you can choose a security code yourself, do not use easy-to-guess personal details such as a date of birth, name of a family member or your postcode. Make sure no-one can look over your shoulder while you are entering a security code
- Never share a security code via the telephone, e-mail or in any way other than as instructed by the bank. This also applies if you are contacted by phone, e-mail or in person by someone claiming to be an employee of the bank. The bank will never ask you for your security codes in this way. The bank will never ask for your pin code, whether through E-mail, SMS, telephone or otherwise!
- Never use your security codes for other purposes.
- Make sure your bank card is never used by anyone else.
- Do not allow yourself to be distracted while using your bank card, and check that you get your own bank card back afterwards.
- Always keep your bank card in a safe place and make sure you cannot easily lose it. Check regularly that you are still in possession of your bank card.
- If you debit card is swallowed by, or get stuck in the ATM, do not leave the ATM and do not accept help from others. Call our 24/7 call center to block your card first. Always save the 24/7 call center number on your phone. The 24/7 call center contact number is +86（0）1095588. You can also find this number on the back of your ICBC bank card.
- Do not keep the Non-3D secure payment function of the MasterCard Credit Card unnecessary active. Please inactivate the function after each purchase through your Internet Banking.

2. Make sure your bank card is never used by anyone else

- Do not allow yourself to be distracted while using your bank card, and check that you get your own bank card back afterwards.
- Always keep your bank card in a safe place and make sure you cannot easily lose it. Check regularly that you are still in possession of your bank card.
- If you debit card is swallowed by, or get stuck in the ATM, do not leave the ATM and do not accept help from others. Call our 24/7 call center to block your card first. Always save the 24/7 call center number on your phone. The 24/7 call center contact number is +86（0）1095588. You can also find this number on the back of your ICBC bank card.
3. Make sure that the devices you sed for electronic banking are properly secured.

- Make sure that any software installed on the devices, that you use for electronic banking is equipped with up-to-date security updates. Installed software includes, for example, your operating system and security software such as virus scanners and a firewall;
- Never install illegal software.
- Use a password to secure the access to any device you use for electronic banking.
- Also always make sure that any applications provided by the bank on the devices that you use for electronic banking cannot be used by unauthorized parties.
- It is also important to recognize different kind of internet fraud, such as “fishing”, “malware” and possible identity fraud. You read more about this on www.veiligbankieren.nl;
- Always remember to log out at the end of an electronic banking session.

4. Check your bankaccount.
- Always review your electronic or paper bank account statements as soon as possible to see if there are any transactions that you have not authorized. You should do this within two weeks when the bank provides you this information electronically. If you only receive paper copies of your bank account statements, you must check these within two weeks of receipt. If the bank incurs any damages because you were unable to access your bank account statements for a longer period of time, the bank may ask you to indicate that it was not reasonably possible for you to do so.

5. Report any incidents to the bank immediately and follow any instructions given to you by the bank.
- Contact the 24/7 call center through the telephone number +86(0) 1095588 immediately in the event of any of the following situations:
- You are no longer in possession of your bank card, dynamic code card/ password token or you do not know where it is.
- You know or suspect that someone else knows or has used your security code.
- You have seen transactions in your bank account statements that you did not authorise.
- You should also contact the bank immediately if you experience anything strange or unusual, such as a different way of logging in.

The bank can provide for a blockade to prevent further loss/damage. If the bank gives you any instructions, for example to prevent the occurrence of new incidents, you must follow these. Again, the bank will never ask you to disclose your security codes when doing so.

Your username will automatically freeze for a day after you tried to login 3 times with an incorrect password. If your username has been frozen for 10 times, it will have a permanent block. We can only unblock the username when you identify yourself at our counter in Amsterdam with a valid ID.

6.  Installation ICBC Amsterdam Plug In (and first time login)
Besides the encrypted connection to our login page, which you can recognize by the “S” in the web address starting with “HttpS..” and closed “locker” symbol (If you click on it you should see that Verisign issued a certificate to Industrial and Commercial Bank of China Limited, Beijing, Beijing, CN), it is also important that you can recognize several types of crime like “fishing”, “malware” and “possible identity fraud”.
 
It is important to make use of computers with the up-to-date virus protection, active firewalls and the latest browser versions. You can read more about this on www.veiligbankieren.nl/en/, or our webpage Secure Banking where it is explained what you have to do yourself but also what you might expect from your bank.
 
ICBC Amsterdam uses several security methods to protect your privacy, and controls movements by verifications, dynamic code card and passwords. Also we have personalized your welcome page, and give instructions about necessary browser settings.