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The following is an explanation of the login process; detailing the security features and functions that protect you and your personal information.

1. What is the Security Update / Why do I need to complete it?
Our online banking technology includes Multi-Factor Authentication. This requires you to complete a one-time security update which activates your account for access to online banking. You must complete this update to access your account information online. It is intended to provide you with the best security possible. Multi-Factor Authentication consists of validation and authentication of an individual using more than one method of verification.

Item #1 - You will need to create three (3) question and answer pairs. This allows us to verify that you are in fact, you. If you don't answer the question correctly, you will not gain access to your accounts.

Item #2 - You will also need to create a "Security Key". This allows you to verify that you have reached our online banking site, and not some other site. Every time you attempt to log in to your accounts, we will send you a graphical representation of the Security Key that you created. If you do not see that Security Key or it is not the one you created then you know that you are NOT at OUR site. If this happens, please contact us immediately.

Item #3 - This is one that you already know. This is your PIN.

2. How does the login process work?
It is our commitment to you that access to your financial information is appropriately secure. We have taken enhanced measures to secure our online banking site.   As always, if you have any questions or concerns regarding these changes please contact us.  Login is a multiple step process instead of one screen where you enter your User ID and PIN.  The following details what you should expect the first time you log in after the mandatory Security Update has been completed:
· First, you must enter your User ID and the Random Code.
· You will then be asked to answer one of the challenge questions. If you choose to remember your computer you will bypass this step. Remembering your computer is on the last step of the login process.
· The last screen will prompt you to verify the Security Key Image that you selected during the security update and to enter your PIN. You may select to remember your computer here.

3. Why all this attention to security?
While the chances of identity theft or monetary loss are slim, active malicious entities do exist on the Internet. One of the most popular methods of fraud is through impersonating individuals during the login process. It is our intention to make this process as difficult as possible for these fraudsters while keeping your experience as hassle-free as possible.

4. What is the Random Code?
The Random Code is an extra security measure used to eliminate fraudsters from randomly selecting User IDs.  It is randomly generated each time you try to log in.

5. What is my Security Key Image?
The Security Key Image is used to help you identify our online banking as a legitimate site. The text word or phrase you select will be converted to an image.  When you log into online banking you will see the Security Key Image on every page.
Some things to keep in mind:
· Use a unique set of characters or word(s) that you can use to identify our online banking site has your Security Key Image
· Please do not enter any PIN's or Passwords as your Security Key Image

6. What does "Remember this computer" mean?
If you choose to remember your computer, you will not be prompted to answer one of the questions you set up during enrollment. You will still have to enter in your User ID, PIN and the Random Code. You can remember your computer after you have completed the initial enrollment and login. The system uses information about your hardware and software to recognize a remembered computer. If you delete your browser cookies on your PC, you will have to re-remember the computer. The secure cookie will periodically expire on your computer and will require you to remember your computer again.

7. What does "Do not remember this computer" mean?
If you are using a computer that is accessed by numerous users (Ex. library or at airport kiosks) we recommend that you do not remember your account on this PC. We only recommend you remember your personal computer at home or at work.

8. What is a secure cookie?
A secure cookie is a small text file with hashed content that is placed on a computer to help identify the user.  In this case, the cookie that is stored on your PC during login lets you bypass your personalized security questions whenever you access online banking in the future. The secure cookie will periodically expire on your computer and will require you to remember your computer again.

9. Can I, my spouse and children remember our accounts on the same PC?
Yes. You can remember numerous accounts on the same PC. This will bypass the security questions when you log in.

10.  Do I have to re-remember my PC when I delete my cookies?
Yes. The system uses your PC hardware and software information to recognize you are a legitimate user. If you delete your cookies, the information is no longer available to authenticate your login. You will be prompted to answer one of your security questions.

11.  What if I forget my PIN or the answers to my questions?
 Please feel free to contact us by phone and we can reset your session.

12.  Can I change my questions, User ID, PIN and Security Key Image?
Yes. Once you log into your account you will have access to change that information.



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