Advanced Authentication FAQ

1. What is Advanced Authentication?
Advanced Authentication Security provides additional security for the online banking application. It is now a standard
part of our online banking and works as part of our commitment to protect you against identity theft and fraud.
Advanced Authentication prevents unauthorized access to your accounts and reinforces the fact that you are at a
valid website.

2. What does Advanced Authentication consist of?
Advanced Authentication consists of the following: an image, a caption and three challenge questions. This
information is known only to you and protects you, whether you are logging in to your accounts from your own
computer, or from somewhere else.

3. How does Advanced Authentication work?
Once you enter your Login ID on your computer and click the ‘Submit’ link, your image will be displayed along with
the caption. This verifies that you are at your financial institution’s website and you are safe to enter your Password
and access your information. If you are logging in from a different computer, one or more challenge questions will be
asked to verify your identity. Once you provide the correct answer(s), your image and caption will be displayed. You
should verify that the image presented is your image and then may enter your password to proceed.

4. Will I need to change my password?
No. Your Password remains the same.

5. How is Advanced Authentication more secured?
The feature confirms that you are at your financial institution website before you enter your password. Further
identification is carried out either by the recognition of your computer or by the system asking you a challenge
question.

6. If I lose my password, how will the Advanced Authentication security system prevent an unauthorized
person from accessing my account?
When an unauthorized person tries to sign in from another computer, the system will recognize that they're using a
different computer, and will ask one of your challenge questions. They won't know the answer and will not be able to
sign in to your account.

7. Why do I need to set up challenge questions?
Challenge questions and answers provide information known only to you. They help prevent unauthorized people
from getting access to your account information. If someone else has access to your Login ID and Password, they will
not know the answer to your challenge question and will not be able to get to your information.

8. What keeps somebody from stealing my Advanced Authentication security image and caption?
This information is only displayed once you click the ‘Submit’ link to sign in from a known computer. If this is not the
case, the system will ask one of your challenge questions before it displays the image.

9. When I enter my Login ID, it asks me a question instead of showing my image. Why?
This is to help verify that it's really you signing in. A challenge question is asked when you're signing in from an
unrecognized computer. Your correct answer confirms that it's really you.

10. How do I sign up for Advanced Authentication?
Signing up for and using Advanced Authentication is quick and easy. You simply choose an image, caption, and three
challenge questions. You have two ways of signing up for Advanced Authentication at the time you enroll in Online
Banking or if you are already enrolled in Online Banking the next time you sign in you will be prompted to set up your
Advanced Authentication security image, caption and three challenge questions.