New Security Features

Introducing Stronger Login Security: Login has changed to protect your privacy and the security of your personal information. We're using the most innovative and easy-to-use login security available. This technology is called two-factor, two-way authentication. Two-factor Authentication: Our stronger login security combines two authentication "factors". These factors include: Something You Know (your Password) Something You Have (your computer) We use your computer as the second factor (something you have). This means that you do not have to install any new software or carry any new hardware. With our stronger login security, a secure two-factor authentication is instantly performed when you login. This allows us to confirm who you are and allow you to complete your login. If we cannot confirm your identity, we will ask you Challenge Questions to which only you will know the answers. These Challenge Questions are selected and answered by you when you enroll for stronger login security. If you answer the Challenge Questions correctly, your identity will be confirmed and you can proceed with login. Some users may want to login from multiple computers. If this is the case, there is a very quick self-registration process that will help us to recognize your additional computers during future login. This registration process occurs the first time you login with the additional computer. We will ask you if you plan to login from the additional computer frequently and use your Challenge Questions to confirm your identity. If you answer the Challenge Questions successfully, your additional computer will be 'registered' for future login. If you do not plan to frequently login from that additional computer, you should not register it. Two-factor authentication protects you against a broad range of fraud. Even if fraudsters steal your Password, they will not be able to successfully login without access to your registered computers. Two-way Authentication: In addition to two-factor authentication, our stronger login security uses two-way authentication. While two-factor authentication confirms your identify to our Web site, two-way authentication protects you against fraud by proving our Web site's identity to you. We do this by asking you to select a personalized Picture (a secret image unique to you) and a personalized Phrase (shown with your Picture). Once you have established your Picture and Phrase, we will always show them to you when we ask for your Password. The personalized Picture and Phrase are visual, so it's easy for you to notice and remember. For example:

	Picture Example:
	Phrase Example:	My FI

When you see your personalized Picture and Phrase, you instantly know you are at the right Web site. You should never enter your Password if you do not see your correct personalized Picture and Phrase. You establish your personalized Picture and Phrase by enrolling for our stronger login security. To enroll, login using our new login method. You will recognize our new login method because it only asks for your Login ID and not your Password. You can select your personalized Picture from a pool of over 50,000 images and then type your personalized Phrase underneath it. You will also be asked to select and answer Challenge Questions to further confirm your identity, if needed, and for computer 'registration' purposes (see Two-factor authentication above). After you make your selections, you will have the option to change your personalized Picture, Phrase and Challenge Questions before entering your Password. Our New Login Method Previously, you logged in using your Login ID and Password. Now, you'll also use your personalized Picture and Phrase. Your personalized Picture and Phrase help you know that you are at the right Web site and not a fraudulent look-alike site. Here's how it works: First, you'll enter your Login ID and click the Submit button. If we recognize the computer you are using, your personalized Picture and Phrase will be displayed on the next page. Once you confirm your personalized Picture and Phrase, you'll know you can safely enter your Password. If you don't recognize your personalized Picture and Phrase, don't enter your Password and immediately call Customer Support. If we do not recognize the computer you are using, we will ask you Challenge Questions to confirm your identity and determine if you would like us to recognize this computer in the future. If you answer your Challenge Questions correctly, you can proceed with login. Frequently Asked Questions

Where do I enter my Password? Why has the login process changed? What is Two-factor Authentication? What is Two-way Authentication? How does the new login process work? How do you recognize me? When will I establish my personalized Picture and Phrase? Can I upload my own personalized Picture? Can I change my personalized Picture and Phrase at any time? What should I do if my personalized Picture and/or Phrase is incorrect? When will I establish my Challenge Questions? Can I change my Challenge Questions at any time? How do I register a computer for future login? Q1: Where do I enter my Password? A1: Login has changed to protect your privacy and the security of your personal information. We will still ask you for your Password, but not until we have confirmed your identity and let you know you are at the correct Web site. To do this, we're using the most innovative and easy-to-use login security available. This technology is called two-factor, two-way authentication. back to top Q2: Why has the login process changed? A2: Login has changed to protect your privacy and the security of your personal information. We're using the most innovative and easy-to-use login security available. This technology is called two-factor, two-way authentication. back to top Q3: What is Two-factor Authentication? A3: Two-factor Authentication: Our stronger login security combines two authentication 'factors.' These factors include: Something You Know (your Password) Something You Have (your computer) We use your computer as the second factor (something you have). This means that you do not have to install any new software or carry any new hardware. With our stronger login security, a secure two-factor authentication is instantly performed when you login. This allows us to confirm who you are and allow you to complete your login. If we cannot confirm your identity, we will ask you Challenge Questions to which only you will know the answers. These Challenge Questions are selected and answered by you when you enroll for stronger login security. If you answer the Challenge Questions correctly, your identity will be confirmed and you can proceed with login. Some users may want to login from multiple computers. If this is the case, there is a very quick self-registration process that will help us to recognize your additional computers during future login. This registration process occurs the first time you login with the additional computer. We will ask you if you plan to login from the additional computer frequently and use your Challenge Questions to confirm your identity. If you answer the Challenge Questions successfully, your additional computer will be 'registered' for future login. If you do not plan on logging in frequently from that computer, you do not have to register it. Two-factor authentication protects you against a broad range of fraud. Even if fraudsters steal your Password, they will not be able to successfully login without access to your registered computers. back to top Q4: What is Two-way Authentication? A4: Two-way Authentication: In addition to two-factor authentication, our stronger login security also uses two-way authentication. While two-factor authentication confirms your identify to our Web site, two-way authentication protects you against fraud by proving our Web site's identity to you. We do this by asking you to select a personalized Picture (a secret image unique to you) and a personalized Phrase (shown with your Picture). Once you have established your Picture and Phrase, we will always show them to you when we ask for your Password. The personalized Picture and Phrase are visual, so it's easy for you to notice and remember. For example:

	Picture Example:
	Phrase Example:	My FI

When you see your personalized Picture and Phrase, you instantly know you are at the right Web site. You should never enter your Password if you do not see your correct personalized Picture and Phrase. You establish your personalized Picture and Phrase by enrolling for our stronger login security. To enroll, login using our new login method. You can recognize our new login method because it only asks for your Login ID and not your Password. Besides establishing your personalized Picture and Phrase, you will also be asked to select and answer Challenge Questions and register your computer for future login. You can select your personalized Picture from a pool of over 50,000 images and then type your personalized Phrase underneath it. You will also be asked to select and answer Challenge Questions for further confirm your identity, if needed, and for computer 'registration' purposes (see Two-factor authentication above). After you make your selections, you will have the option of changing your personalized Picture, Phrase and Challenge Questions before entering your Password. back to top Q5: How does the new login process work? A5: Previously, you logged in using your Login ID and Password. Now, you'll also use your personalized Picture and Phrase. Your personalized Picture and Phrase helps you know that you are at the right Web site and not a fraudulent look-alike site. Here's how it works: First, you'll enter your Login ID and click the Submit button. If we recognize the computer you are using, your personalized Picture and Phrase will be displayed on the next page. Once you confirm your personalized Picture and Phrase, you'll know you can safely enter your Password. If you don't recognize your personalized Picture and Phrase, don't enter your Password and immediately call customer support. If we do not recognize the computer you are using, we will ask you Challenge Questions to confirm your identity and determine if you would like us to recognize this computer in the future. If you answer your Challenge Questions correctly, you can proceed with login. back to top Q6: How do you recognize me? A6: We recognize you by two authentication 'factors.' These factors include: Something You Know (your Password) Something You Have (your computer) We use your computer as the second-factor (something you have). If we cannot confirm your identity or we do not recognize your computer, we will ask you Challenge Questions to which only you know the answers. These Challenge Questions are selected and answered by you when you enroll for stronger login security. If you answer the Challenge Questions correctly, you're identity will be confirmed and you can proceed with login. You can also let us know to recognize your computer for future login. back to top Q7: When will I establish my personalized Picture and Phrase? A7: If you have not yet established your personalized Picture and Phrase, you will be prompted to do so the first time you login using our new login method. You can recognize our new login method because it only asks for your Login ID and not your Password. Besides establishing your personalized Picture and Phrase, you will also be asked to select and answer Challenge Questions and register your computer for future login. back to top Q8: Can I upload my own personalized Picture? A8: No, you cannot upload your own picture at this time. For security reasons, you must choose from the over 50,000 images we provide to you during enrollment. back to top Q9: Can I change my personalized Picture and Phrase at any time? A9: Yes, you can change your personalized Picture, Phrase and Challenge Questions by selecting the appropriate check box during login. back to top Q10: What should I do if my personalized Picture and/or Phrase is incorrect? A10: Immediately call Customer Support. back to top Q11: When will I establish my Challenge Questions? A11: If you have not yet established your Challenge Questions, you will be prompted to do so the first time you login using our new login method. You can recognize our new login method because it only asks for your Login ID and not your Password. Besides selecting and answering your Challenge Questions, you will also be asked to create your personalized Picture and Phrase and register your computer for future login. back to top Q12: Can I change my Challenge Questions at any time? A12: Yes, you can change your personalized Picture, Phrase and Challenge Questions by selecting the appropriate check box during login. back to top Q13: How do I register a computer for future login? A13: If you have not yet registered a computer for future login, you will be prompted to do so the first time you login from that computer using our new login method. You can recognize our new login method because it only asks for your Login ID and not your Password. If you are also establishing your personalized Picture, Phrase and Challenge Questions, you will register your computer while selecting and answering your Challenge Questions. If you have already established your personalized Picture, Phrase and Challenge Questions, you will register your computer by answering your established Challenge Questions. back to top