Frequently Asked Questions

1. What is RCBC Savings Bank AccessOne Corporate?

RCBC Savings Bank Access One Corporate (AOC) is an online banking system offered to our

corporate clients, where they can conveniently access a comprehensive suite of financial services

of the Bank.

2. What is RCBC Savings (RSB) AccessOne?

RCBC AccessOne is an Internet Banking facility of Rizal Commercial Banking Corporation

(RCBC) that enables RCBC Savings Bank (RSB) and RCBC customers to access their accounts

and do banking transactions online 24/7.

3. What are the features of RSB AccessOne?

• Account Inquiry

• Fund Transfer:

To Own Account

To Other RSB and RCBC Account

To Other Bancnet member banks

• Bills Payment

• Bankard Inquiry

• Telemoney Remittance Status Inquiry

• SMS or Email Alerts of account status

4. What are Security Questions?

To protect your RCBC Savings Bank AccessOne Internet Banking account from fraudulent and

unauthorized transactions, RCBC Savings Bank has implemented an additional layer of security

for online banking: The RCBC Savings Bank Security Questions. This enables you to

customize/nominate Security Questions with your corresponding answers to validate the

authenticity of your account when you are transferring funds to other RCBC/RSB and/or

BancNet member bank accounts.

The RCBC Savings Bank Security Questions provides the following features:

E-mail Notification Alerts

Whenever an invalid answer has been provided to a Security Question, an E-mail Notification

will be sent to your registered e-mail address. This e-mail notification contains the Date and

Time of each invalid attempt.

Fund Transfer Temporary Disabling

Security Failsafe: Should you provide an invalid answer to a persisting Security Question, the

following features will temporarily be disabled, until you change your security questions either

via e-mail / Contact Center:

• Fund Transfers to third party accounts

• Inter-bank Fund Transfers

• Registering Frequent Beneficiaries

• Editing existing Frequent Beneficiaries

Questions Resetting

Should you provide three invalid answers to a persisting Security Question, an e-mail instruction

to REASSIGN/CHANGE Security Questions will be sent to your registered e-mail address.

5. What are the minimum hardware and software requirement for RSB AccessOne?

In order to use this facility effectively, your computer must have at least the following

specifications:

RAM: 64 MB minimum

Modem: 56k minimum

Operating system: Windows or other operating systems that support Internet Explorer 6 or above

Resolution: Best viewed with 1024 x 768 resolution

6. What type of browser can I use for RSB AccessOne?

We encourage that our clients use the Internet Explorer 6 or above.

Javascript is required to login and use RCBC AccessOne. Please enable JavaScript on your

browser.

How to Enable Java Script in Internet Explorer

• Select Tools > Internet Options

• Click Security tab

• Click Custom Level button

• Enable all in Scripting options: Active Scripting, Allow paste operations via script,

Scripting of Java applets

7. How secure is the RSB AccessOne system?

The RCBC AccessOne is hosted in a secure server.

Each page you view and any information submitted on RCBC AccessOne is encrypted between

the client's computer and the RCBC AccessOne server using 128-bit SSL. It allows the server

and client to authenticate each other and to negotiate an encryption algorithm and cryptographic

keys before the application protocol transmits or receives its first byte of data. Even in the highly

unlikely event that the transmission is intercepted, it will not be usable to anyone.

Sensitive data is encrypted

Sensitive data such as the client's RCBC AccessOne password is encrypted using a one-way 160-

bit hash cryptographic algorithm that turns an arbitrary-length input into a fixed-length binary

value, and this transformation is one-way, that is, given a hash value it is statistically infeasible

to recreate a document that would produce this value. Even if our password database falls into

the wrong hands it would be hard for the intruder to recover user passwords. So when someone

asks for passwords, neither the administrator nor the system can show them.

We take steps to make sure our Internet banking system is safe and secure, and it's important that

you do the same.

To help you, here are the precautions you should take while banking online.

• Keep passwords and other information safe by:

Not writing down or storing your Internet banking password or information on your

computer;

Not sharing with anyone else access to your password or information. We will never

contact you to ask you for this information. If you get an email or a phone call asking

for this information, a fraudster is at work;

Changing your password or information immediately if you think that someone else

knows it. You can do this by logging on to Internet banking and using the 'Change

Password' and 'Change Information' options in the left hand menu.

• Make sure your password is secure by:

Choosing a 'strong' 6 to 15 character password for Internet banking and changing it

regularly. Use a mix of letters and numbers (like c4t or d0g), that you can remember

without writing down. And avoid using words that may be easy for others to guess, such

as the name of a family member or pet.

• Be careful where you log on:

We strongly advise not to use Internet banking on publicly accessible computers, in

places such as Internet cafes, as they are not always secure.

Do not choose or change your password or information from a computer in a public

place.

If you are using the RCBC AccessOne from a public place, do not leave the computer

unattended while you are logged on to Internet banking, and ensure that no one is

watching what you type.

• Check your accounts regularly:

Be sure to check your accounts regularly. It is a good way of spotting any suspicious

transactions. If you notice anything that looks out of the ordinary, please contact us

immediately at (632) 555-8772 or e-mail at rsbcustomercare@rcbcsavings.com

• Check whether the web page is secure by:

Checking the first few characters of the web address in your address bar has changed

from the usual 'http' to 'https'. The 's' stands for secure, looking for a small padlock icon,

in the locked position, in the bottom right-hand corner of your screen. Find out how to

check whether a web page is secure.

• Check the site certificate

Sites that are legal and secured always show a valid site certificate.

• Always log off

Finally, always click 'Log off' when you've finished using Internet banking wherever you

are, and always close your browser. This will prevent others from gaining access to your

accounts online.

If you suspect that any of your RCBC Savings Bank accounts have been accessed online by

someone other than yourself, contact us immediately oat (632) 555-8772 or e-mail at

rsbcustomercare@rcbcsavings.com.

8. What type of accounts can I enroll in the RSB AccessOne?

RSB AccessOne is available to all retail/individual clients. Accounts eligible for enrollment are

the following:

• Active accounts

• All product types of CA/SA (ATM based accounts)

Enrollment of ATM Accounts

1. Go to RCBC Savings Bank website (http://www.rcbcsavings.com) and click "Go" at the

Log in to Internet Banking tab.

2. You will be redirected to RCBC Savings Bank AccessOne welcome page.

3. Click "Enroll Now".

4. Under RCBC Savings Bank Accounts click "Enroll Now".

5. Read and accept the Terms and Conditions by clicking "I agree" then "Next".

6. Input ATM Card Number* and ATM PIN then click "Submit". The system will display

the account/s linked to the card number.

*this includes the member number (number after the word ATM)

7. Select a primary account from the accounts linked to the ATM Card.

8. Accomplish the online enrollment form and click "Submit".

9. You will receive confirmation via registered e-mail address that your AccessOne

enrollment has been successful. Enrollment during banking days will be automatically

activated within 24 hours while enrollment during weekend will be activated after 2 days.

9. How will I know if my accounts are already enrolled?

RSB AccessOne will not allow you to proceed in your enrollment if your account is already

enrolled. A message of "Account already enrolled" will be displayed.

10. Are there costs or fees to pay for using RSB AccessOne?

RCBC Savings Bank or RCBC clients can access their accounts through RCBC AccessOne

FREE of charge.

11. What happens if I forget my user ID?

1. Please visit your branch of account.

2. Fill-out the Electronic Banking Complaints and Maintenance Form.

3. Your branch of account will validate the Electronic Banking Complaints and

Maintenance Form you submitted.

4. Once the Electronic Banking Complaints and Maintenance Form is complete and

accurate, it will be submitted to the RCBC Savings Bank Contact Center.

5. Your user ID will be sent to your RSB AccessOne registered email address as soon as the

RCBC Savings Bank Contact Center retrieves it.

For further inquiries, call RCBC Savings Bank Contact Center at (632) 555-8772.

12. What happens if I forget my passwords?

1. Enter your user ID on the log-in page then click "Forgot your password"

2. Provide the correct answer in the security question.

3. Your new password will be sent to your REGISTERED email address in AccessOne.

For further inquiries, call RCBC Savings Bank Contact Center at (632) 555-8772.

13. Tips for User ID and Passwords

During the enrollment process, you will be asked to create your own User ID and Password.

Follow the required format below:

• Your User lD should not contain special characters like "!,@,#,$,%,^,&,*,(,),_,+,-

• ,=,{,},[,],:,;,|,<,>,?~"

• Your Password should contain a minimum of 6 characters, and a maximum of 28

characters.

• Passwords are CASE SENSITIVE.

14. Can I change my passwords any time?

To change your password, please follow the instructions below:

• Log-in to RCBC AccessOne with your Current User ID and Password.

• Choose the "Profile Maintenance" menu.

• In the first space enter your current password and in the second space type your new

password. Then re-enter your new password again in the next space. Click Ok.

15. How do I ensure the security of my passwords?

Ensure the security of your password by doing the following:

• Protect your password. Do not divulge them to others.

Anyone from RCBC Savings Bank will never ask you for your password.

• Commit your password to memory; never write it down.

• Change your password whenever you feel that your password may be compromised.

• Do not use passwords that can be easily guessed.

• Always exit properly from RCBC AccessOne by clicking the Log-off button.

16. What happens if I pick a user ID that is the same as another customer?

Because User IDs are the unique database identifiers, no two customers can claim the same ID.

We prohibit new or "re-enrolling" users from taking an ID already assigned to another user, even

if that user has been deleted or un-enrolled.

17. How soon can I access my account information in RSB AccessOne?

Once you received an activation email from RSB AccessOne you will be able to login

immediately and view your account information. Upon initial login, you'll be required to change

your login and transaction password.

18. How can I enroll my other RCBC Savings Bank and RCBC accounts to AccessOne?

You can enroll other RCBC Savings Bank and RCBC Accounts through the Profile Maintenance

function of RSB AccessOne, click Account Maintenance and enroll additional account.

19. When I leave my RSB AccessOne idle for a period of time, why do I need to login again?

As a security measure, RSB AccessOne will be automatically log-out if you leave it idle for

more than 5 minutes. However, you must always ensure to properly log-out after each Internet

banking session.