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I remember a while back FNB's SSL certificate expired. I called the support centre and the people had no idea what I was talking about.
I'm also happy with FNB and their whole electronic system - very useful.
However, their emailed bank statements claim to be "encrypted in compliance with" some or other law, but they are most definitely not. I imagine this will be impossible to escalate to someone who even understands the difference between selecting some "Secure this document" (making things up here) menu option from Adobe and actually deploying an encryption system where the user's password isn't emailed to him.