Security Enhancements Made on July 18, 2014

As e-commerce increases, criminals are using more elaborate methods to perform account fraud and identity theft. While internet security protocols have yet to be mandated for all financial service companies, we feel strongly a proactive approach will better safeguard sensitive customer data.

On July 18 we enhanced our online security with the introduction of a the following security features:

1.  Login image and phrase

A login image and phrase is a secret between you and our website. Each time you log in to your account and see your login image and phrase, it helps ensure you are at our website and not a fake/phishing site. Starting July 18, you will select your login image and phrase. This will only take a few minutes, but will provide an important layer of added protection for you and your data.

How do I select my login image and phrase for the first time?

The first time you log in after we implement the login image and phrase, here's what you'll need to do:

1. Enter your current username and click "Continue"
2. You'll see a sample image with a place to enter your password within the image
3. Enter your current password and click "enter"
4. You'll see a new image and a phrase
5. Continue with the image and phrase presented to you or click to get a different image and phrase
6. When you're finished, you'll continue with the login process

How can I change my login image and phrase in the future?

Once you log in, look for the "Edit Profile" link on the left in the "My Profile" section.

2.  Security questions & answers

Security questions and answers, as well as email address, help us verify your identity when using some of our online features, such as “forgot username” or “forgot password”. Your matching answers help confirm it’s you.

Tips for your security questions & answers

• There are many security questions to choose from
• Three questions will be for online use and one for telephone support
• Choose questions to which only you will know the answer
• Answers must be at least two characters
• Security questions and answers are one of the many security measures we have in place to protect your information. As with your password, it is your responsibility to keep your security answers confidential. If you believe someone has discovered the answers to your security questions, you should change them.

Selecting your online security questions

Select three different questions and provide an answer for each. These three questions will only be used online. If you ever forget your username or password and decide to retrieve them through our website, you'll need to answer the question correctly before we'll provide you with your username or password.

Selecting your customer service security question

Select one additional, different question and provide an answer. We will ask you to answer this question (to verify your identity) when you call customer service. When choosing this question and answer, please remember you will say it out loud to a customer service associate, so make sure it's appropriate and be sensitive to the fact that someone will hear it.

3. Updated password requirements

Passwords must be between 8-32 characters and include at least one letter and one number. In an effort to enhance our security, we are asking all financial professionals to update their passwords to ensure they meet the stronger password requirements.

We appreciate your cooperation in taking a few minutes to make these security updates online, which helps us safeguard your (and your client's) information and privacy.