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																				  <P><b><a href="#1">What is multi-factor authentication?</a></b><br>
																				    <b><a href="#2">Why is SCCU making changes?</a><br>
																			            <a href="#3">What are the changes being made?</a><br>
																			            <a href="#4">What is an encrypted digital certificate?</a><br>
																			            <a href="#5">Is installing an encrypted digital certificate safe for a computer?</a><br>
																			            <a href="#6">Are other financial institutions doing the same thing?</a><br>
																			            <a href="#7">Why is SCCU choosing a  solution that involves encrypted digital certificates?</a><br>
																			            <a href="#8">What are the benefits of  computer registration to the member?</a></b><br>
																			            <b><a href="#9">What are the changes that SCCU members can expect?</a><br>
																			            <a href="#10">How many computers can a  member register?</a></b><br>
																			            <b><a href="#11">Will a member be able to  &ldquo;opt-out&rdquo; of this additional authentication control?</a></b><br>
																	              <b><a href="#12">Who can I contact for any  further questions?</a></b></P>
																				  <P><b><font color="#934900">Multi-Factor  Authentication Troubleshooting Questions</font></b></P>
																				  <P><b><a href="#13">Why is the &ldquo;Choose a  digital certificate&rdquo; box empty?</a></b><br>
																				    <b><a href="#14">Why am I being asked for my security question when  I installed the certificate?</a></b><br>
																			            <b><a href="#15">What are the pop-ups alerting me of Scripting Violations?</a></b><br>
																		                  <b><a href="#16">What is a PC and what is a  Mac?&nbsp; How are they different?</a></b><br>
																		                  <b><a href="#17">What is a browser?</a></b><br>
																	                        <b><a href="#18">What is a Master Password?</a></b><br>
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																				  <P><b><a name="1"></a>What is multi-factor authentication?</b><br>
																				    Using more than one  mechanism to verify and validate the authenticity of a person&rsquo;s identity;  (i.e., requiring more than a member number and password.)<br>
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																				  <p><b><a name="2"></a>Why is SCCU making changes?</b><br>
																		          Passwords alone are no  longer a sufficient means of security to protect against online theft of  personal information and fraud.&nbsp;The Federal Financial Institutions  Examination Council (FFIEC) has also published regulatory guidance strongly  urging all financial institutions to provide an added layer of security for  online banking services.<br>
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																			      <p><b><a name="3"></a>What are the changes being made?</b><br>
																		          The current Online Banking  log-on process will change. In February, Online Banking users will be setting  up security questions and answers.&nbsp;In addition, members will have the option  of &ldquo;registering&rdquo; computers they use for online banking as trusted/safe to  access their accounts. This process will &ldquo;register&rdquo; those computers by  installing an encrypted digital certificate on them.<br>
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																			      <p><b><a name="4"></a>What is an encrypted digital certificate?</b><br>
																		          A  digital certificate is a way of establishing one&rsquo;s credentials when doing  business or conducting transactions on the Web. Digital certificates are a  superior means of providing trusted authentication between members&rsquo; computers  and SCCU&rsquo;s online banking system.<br>
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																			      <p><b><a name="5"></a>Is installing an encrypted digital certificate safe for a computer?</b><br>
																		          Yes, when installed from a trusted source such as SCCU.<br>
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																			      <p><b><a name="6"></a>Are other financial institutions doing the same thing?</b><br>
																		          Some  are, some aren&rsquo;t.&nbsp; There are varied  solutions that financial institutions can implement in order to comply with  these FFIEC guidelines. &nbsp;We believe our solution is, in the long  term, the best choice for members.<br>
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																			      <p><b><a name="7"></a>Why is SCCU choosing a  solution that involves encrypted digital certificates?</b><br>
																		          There are many solutions out  there that would meet the compliance guidelines of the FFIEC.&nbsp; SCCU is implementing a security solution that  preserves the greatest amount of convenience for members, while improving  protections against fraud.<br>
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																			      <p>																		          <b><a name="8"></a>What are the benefits of  computer registration to the member?</b></p>
																			      <ul type="square">
                                                                                    <li><b>Security.</b> &nbsp;Computer       registration dramatically reduces any chance of identity theft. &nbsp;Instead of millions of computers       potentially accessing your accounts, only the few that you register will       have the power to access your accounts</li>
                                                                                    <li><b>Convenience.</b> &nbsp;You only       have to register once. &nbsp;After that,       you simply log in as normal because SCCU will recognize your trusted       computer.</li>
                                                                                    <li><b>Flexibility.</b> &nbsp;SCCU       recognizes that there may be times when you are not using a trusted       computer to access your accounts. &nbsp;When that happens, you can still access Online       Banking by answering the private security questions that you set up.<br>
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                                                                                  <p><b><a name="9"></a>What are the changes that SCCU members can expect?</b></p>
                                                                                  <ol>
                                                                                    <li>In  February, members logging into Online Banking will be setting up security  questions and answers.</li>
                                                                                    <li>Member&rsquo;s  will have the option of &ldquo;registering&rdquo; computers they use for Online Banking as  trusted/safe to access their accounts.</li>
                                                                                    <li>When  members visit Online Banking from a registered computer, SCCU will confirm the  presence of the digital certificate, member number and password, before  granting access.</li>
                                                                                    <li>When  members visit Online Banking from a non-registered computer, (like a library  computer), SCCU will require the member to answer their previously setup  security questions upon logging in.<br>
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                                                                                  <p><b><a name="10"></a>How many computers can a  member register?</b><br>
                                                                                  Members may register  multiple computers &ndash; and are encouraged to do so for all those computers they  normally use for their SCCU online banking needs.<br>
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                                                                                  <p><b><a name="11"></a>Will a member be able to  &ldquo;opt-out&rdquo; of this additional authentication control?</b><br>
                                                                                    No.&nbsp; SCCU members are not required to  install the encrypted digital certificate on their computers.&nbsp; However, if they choose to not register their  primary computers, they will be required to answer security questions (along  with their member number and password) each time they attempt to access their  account.<br>
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                                                                                    <b><a name="12"></a>Who can I contact for any  further questions?</b><br>
                                                                                    At this time, feel free to  contact any Member Service Representative.<br>
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                                                                                  <p><b><font color="#934900">Multi-Factor  Authentication Troubleshooting Questions</font></b></p>
                                                                                  <p><b><a name="13"></a>Why is the &ldquo;Choose a  digital certificate&rdquo; box empty?</b><br>
                                                                                  This happens because the you have not registered that particular computer (but have registered  another computer at some point).  Once  you have installed a digital certificate on that particular computer, there  will be a digital certificate to choose from the list. To continue, click continue  even though the box is blank. This will take you to answer one of your security questions where you can also choose  to install the certificate or not depending on if you are on a private or  public computer.                                                                                  <br>
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                                                                                  <p><b><a name="14"></a>Why am I being asked for my security question when  I installed the certificate?<br>
                                                                                  </b>Did you install the certificate on the same  computer you are using to access Online Banking right now? The certificate installed was only for that  one computer that you installed it to.  If you are accessing Online Banking from a different computer, like from  work, you will have to install a certificate there also, or just answer the  security question every time. Go to  Tools; Internet Options; Content; Certificates to verify.</p>
                                                                                  <p>Another situation may be that you did not close the  browser after logging out of Online Banking.  If you try to log into another member number without first closing the  browser, you will be asked the security question. When you pick a digital certificate from the "Choose a digital certificate" prompt, it will always use that member's  digital certificate when logging into Online Banking until all browser windows are  closed.<b> It is very important to close all of your browser windows  before attempting to log in again.</b></p>
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                                                                                  <p><b><a name="15" id="15"></a>What are the pop-ups alerting me of Scripting Violations?</b><br>
                                                                                  <p>After you answer the 3 questions and say "yes, I'd like to register this computer," there may be two potential scripting violations. You should click "Yes" to both warnings.  Many members' computers are getting stuck and just sit there with the wait sign.  If this happens you should see a yellow tool  bar with a reference to an ActiveX Control.  Please read below about what to do if the ActiveX tool bar is there or is not there.<br>
                                                                                    <br>
                                                                                  Just for clarification,  below is what the yellow info bar looks like, along with the steps to install  the ActiveX Control. You have to click on the yellow, to get the "Run  ActiveX Control" option. If you click  the X on the right it closes the info bar and the ActiveX Control will not be  installed and therefore the certificate will not be installed. If you do click  on the X have them close the browser and start over, it should come up again  next time you install.</p>
                                                                                  <p>If you <b>do  not</b> get the Yellow ActiveX bar and the page stays on the "Installing  Digital Certificate" without continuing to their account summary, the  certificate is not installing correctly and you should contact a Member Service Representative.p>
                                                                                  <p>Below are the steps to follow <b>IF</b> you get the yellow info bar: </p>
<ol>
                                                                                    <li>After you click Retry you will be taken to your account. <b>The certificate is NOT installed at this point.</b></li>
                                                                                    <li>Close the browser (Internet Explorer, Firefox, or Netscape) then reopen  the browser and login to Online Banking again.</li>
                                                                                    <li>You will receive a blank box that says "Choose a digital certificate," click OK</li>
                                                                                    <li>You will then have to answer one of your security questions.</li>
                                                                                    <li>Select "Yes" to install the digital certificate.</li>
                                                                                    <li>Now you should receive the first <b>Potential Scripting Violation</b>. Click "Yes"</li>
                                                                                  </ol>
                                                                                  <p><br>
                                                                                    This Web site is requesting a new  certificate on your behalf. You should allow only trusted Web sites to request  a certificate for you. Do you want to request a certificate now? </p>
                                                                                  <ol>
                                                                                    <li>The  second <b>Potential Scripting Violation will now appear</b> - Click <b>Yes</b></li>
                                                                                  </ol>
                                                                                  <p><br>
                                                                                    This Web site is adding one or more  certificates to this computer. Allowing an untrusted Web site to update your  certificates is a security risk. The  Web site could install certificates you do not trust, which could allow  programs that you do not trust to run on this computer and gain access to your  data. Do you want this program to add the certificates now? Click Yes if  you trust this Web site. Otherwise, click No.</p>
                                                                                  <ol>
                                                                                    <li>Now the certificate will be installed and you will be taken to your account.</li>
                                                                                    <li>Close the browser,  reopen it and login to Online Banking again.</li>
                                                                                    <li>This time the "Choose a  Digital Certificate" box will appear and it will have SCCU-XXXXX (with your member #)</li>
                                                                                    <li>Select the member number and click ok.</li>
                                                                                    <li>The certificate is now  installed. From now on when you access  Online Banking from this computer you will be prompted with the "Choose a digital  certificate" box.<br>
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                                                                                  <p><b><a name="16" id="16"></a>What is a PC and what is a  Mac?&nbsp; How are they different?<br>
                                                                                  </b>A PC and a Mac are as  different as a Harley-Davidson motorcycle and a Ford minivan. Both are  modes of transportation that get you from point A to point B, but both are  completely different.</p>
                                                                                  <p>A  PC & a Mac are both computers that allow you to do the same sorts of  things, but they look very different, both inside and out. </p>
                                                                                  <p>PC  stands for Personal Computer and refers to any IBM-compatible  computer. Mac is short for Macintosh and refers to any computer produced by  Apple Computer.<br>
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                                                                                  <p><b><a name="17" id="17"></a>What is a browser?<br>
                                                                                  </b> A web browser is a software application that enables a user to  display and interact with text, images, and other information typically located  on a web page at a website on the Internet. Web browsers allow a user to  quickly and easily access information provided on many web pages at many  websites by traversing these links.<br>
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                                                                                  <p> <b><a name="18" id="18"></a>What is a Master Password?<br>
                                                                                  </b>Firefox and Netscape offer  the ability to use a Master Password.&nbsp;&nbsp;  It sounds funny, but a Master Password is a password for saved passwords  and other private data.&nbsp; It also is used  for security devices and the new digital certificate for MFA is a security device. </p>
                                                                                  The best thing to do  is have members click OK without entering a Master Password.<br>
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