Online Security

We require you to provide answers to security questions to help identify you in certain situations. There are a few reasons why you are asked to answer security questions when logging into your account.

1. You are a new User and need to enroll your account online for the first time.
2. You are manually deleting your cookies.
3. You have your PC security software on a very high setting that deletes first party cookies. Most PC security software deletes only third party cookies, but the setting can be changed to include first party.
4. You are using a different browser or PC each time you go to the website.

Depending on the situation, you can:

1. When manually deleting cookies, be careful not to delete our cookie.
2. Change the setting on your PC security software to delete only third party cookies, or add our cookie to the safe cookie list.
3. Log on to our website from browsers that you have already setup with our cookie.

Upon enrolling your account you will choose a fraud-preventative Personal Image and Message. There are hundreds of images and messages to choose from. If you would like to change the personal message from what is provided with the image, that option is also available.

Look for this image and message each time you log in! A fraudulent site will not have access to this information, so it will be missing in the log in process. Beware of broken links where your personal message should be. If you get a broken link, type our web address directly into your browser address line and try again.

• Customer information and account data is protected by several state-of-the-art safety features: firewalls, data encryption and customer authentication techniques.
• Our system is designed to limit online account access to those possessing the user ID and password associated with your account(s).
• We will not send any account information to you electronically unless your unique User ID and Password are entered correctly.
• Your secure session will automatically terminate after 10 minutes of inactivity. If this happens, you will have to logon again to access your accounts.

• It is essential that you do not reveal your User ID and Password to anyone! We also recommend that you do not use easily verifiable information such as birth dates, social security numbers and addresses when selecting your Password and User ID.
• Frequently change your Password. You can easily change your Password online in the Managing Online Access section.
• Completely sign-off after each online session. For security purposes, we will automatically sign you off after 10 minutes of inactivity.

If you think someone may know your User ID or Password, call an Online Representative immediately at 1-800-853-9586 7:00 a.m. - 7:00 p.m. CT, Monday through Friday to assist you in changing your information. You can also change your Password online in the Managing Online Access section. We suggest that you change your Password frequently for added security.

Encryption is the encoding of a file in order to protect its contents. This entails a word or a group of words essentially written in a secret code language - a language that is useless to anyone but you and your bank - to protect that message from unwanted viewing or tampering. The term encryption is a computer-age extension of the term cryptic, which means something being hidden.

You can determine when encryption is being used on the site by looking at the following icons on your browser. You can also verify that your are in a secured site when you set https:// in the address line. Microsoft Internet Explorer displays the lock icon in the lower right corner of your browser. Mozilla Firefox displays the lock icon in the lower left corner. Apple Safari displays the lock icon in the upper right corner of the title bar.

With Mozilla Firefox, you can double click on the lock icon to obtain more security information about the site you are viewing.

Cache is a temporary holding place in your computer (a.k.a. memory). As you visit Internet sites, certain pieces of the page (graphics, etc.) can be stored in cache. Depending on your browser settings, your browser may look for pieces of the page to be stored in cache as you are navigating Internet sites.

No. A cache is a stored file on your computer's hard drive. When dealing with sensitive and secure data, we do not want the computer to store the information on your hard drive.

How do I clear my cache?

• Click on the Tools at the top of the page.
• Click on Internet Options.
• Click on Delete Files.
• Check the Delete all offline content box
• Click OK.

• Click on the Tools at the top of the page.
• Click on Clear Private Data...
• In the Clear the following items now: group, make sure that Cache is checked.
• Click Clear Private Data Now.

• Click on the Safari menu at the top of the screen.
• Click on Empty Cache...
• When presented with "Are you sure you want to empty the cache?" click Empty.

* Microsoft^® and Internet Explorer^® are registered trademarks of Microsoft Corporation in the United States and/or other countries.

^† Mozilla^® and Firefox^® are registered trademarks of the Mozilla Foundation.

^‡ Apple^®, Macintosh^® and Safari^TM are registered trademarks or trademarks of Apple Computer, Inc.

Once logged into our site, using the back button on the browser can end your session. In order to navigate successfully, use the buttons and links provided on each page.

All transmission of customer information through this website is encrypted using 256-bit encryption technology.

We take protecting your personal information very seriously. We use encryption technology such as Secure Socket Layer (SSL) to transmit your information online. Our commitment and understanding is demonstrated in our online Privacy Policy and Security Statement.

You can reasonably assume that some level of information tracking will be done when you logon to the Internet. Unless a site or service provider posts its information gathering and dissemination practices, it is up to you to inquire about them. It is also up to you to decide whether you want to provide your name, mailing address, phone number or any other personal information if a website asks you to register.

Some websites transfer a fingerprint, often referred to as a cookie, to your computer's hard drive, which enables them to track your activities on their site. While a code in the cookie file allows a site to label you as a particular user, it doesn't reveal your real name and address unless you've provided the site with such information or set up preferences in your browser to do so automatically. Newer versions of browser software enable you to decide whether you want to receive cookie files, and some programs notify you when a Web site is about to deposit a cookie file. To check whether cookie files have been placed on your computer, look for a hard drive file called cookies.txt if you have an IBM compatible PC or magic cookies if you have a Macintosh. You can delete these files from your hard drive. There are also utility software programs, called cookie cutters or anonymizers that allow you to edit cookie files selectively within web browsers.

Note that after you delete our cookie, if you log on from the same browser again, you will be prompted to answer your security questions.

Your browser must accept cookies in order to access your account online. We use a cookie to maintain authentication between our application server and your browser. This cookie holds a key, which is used to verify customer authentication. This ensures that we are maintaining a secure connection. If your browser does not accept cookies, we are unable to maintain authentication between your browser and our application.

We also use a persistent cookie to personalize the display of information for you. For example, a persistent cookie enables you to set which entry page (personal or business) to use as the site's home page.

All our cookies are encrypted to help prevent being hacked. For security purposes, the information collected in the information will not be your Social Security Number, Password, or other personal or company information.

Your browser must be configured to accept cookies. Follow the instructions below to configure your browser accordingly:

• Select the Tools option from the browser's toolbar.
• Select Internet Options from the drop-down menu.
• A new window will appear, select the tab titled Security at the top of this new window.
• Click on the button titled Custom Level.
• Scroll to the section titled Cookies.
• Select Enable for the following options:
  - Allow Cookies that are stored on your computer.
  - Allow per-session Cookies (not stored).

• Select the Tools option from the browser's toolbar.
• Select Options from the drop-down menu.
• Choose the Cookies tab.
• Check Allow sites to set Cookies.

• Select the Safari menu from the top of the screen.
• Select Preferences...from the drop-down menu.
• Choose the Security icon from the top icon row.
• At Accept Cookies, choose either the Always or Only from sites you navigate to radio button.

* Microsoft^® and Internet Explorer^® are registered trademarks of Microsoft Corporation in the United States and/or other countries.

^† Mozilla^® and Firefox^® are registered trademarks of the Mozilla Foundation.

^‡ Apple^® and Safari^TM are registered trademarks or trademarks of Apple Computer, Inc.

No. The cookie is used to help identify you at login, but does not gather information about your PC or look at any information on your PC.

Only our website can read our cookie. It is used only at login, and is not used to track your activities on the Internet.

Our cookie contains only an encrypted numeric identifier with some anti-tamper content, and does not track any of the information on the web pages or any transactions you do. The cookie is unaware of the transaction, its type, amount and does not store any personal information about you.

Spamming occurs when an unsolicited email is sent in bulk to a large group of consumers. It is recommended that you delete them immediately. By opening the email you risk the possibility that it may contain a virus and will also result in an increase in unsolicited emails.

Be careful when responding to email messages that appear to be from us. Clicking a link in one of these emails can expose your computer to viruses and spyware, even if you do not supply the sensitive information thieves want. If you receive a suspicious email purporting to be from us, Contact us.