Introducing Enhanced Login Security for Personal Online Banking中文

Your online security has always been our top priority. In order to comply with the Federal Financial Institutions Examination Council's new guidance on customer authentication for online banking services, UCB will implement in the following weeks Enhanced Login Security, which provides an additional layer of login security to protect you from online fraud and identity theft. This new feature will identify you as an authorized user by recognizing not only your password but also your computer. If the system does not recognize your computer, you will be asked three validation questions that only you know the answers as an additional line of defense to prevent unauthorized access. All you need to do is sign up for this free service, enroll your computer(s) once and you are all set!

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Phase One: Set Up Validation Questions and Answers

UCB is rolling out Enhanced Login Security in three phases. In Phase One, you will be prompted to set up three validation questions and answers starting October 16, 2006. If you have already gone through the process of setting up your Forgotten Password validation questions and answers previously, you do not need to repeat this process. You are ready for Phase Two: Enrolling in Enhanced Login Security.

If you need to set up your validation questions and answers, the set up procedure is easy. All you need to do is to select three validation questions from the screen (one from each set), type in the answer that only you know for each question, verify your email address, and click on the "Continue" button. The same three questions and answers will be used to verify your identity should you forget your password in the future. See the picture below for a sample screen shot.

Phase Two: Recommendation to Sign Up for Enhanced Login Security

On November 6, 2006, after you login to Personal Online Banking, you will be prompted to enroll in Enhanced Login Security. To enroll, simply click on "Yes, I would like to add extra security protection now" and proceed to the next screen.

The next screen will ask you to enroll your computer. Click on "Add extra security protection to this computer (Recommended)", then the "Submit" button. Your computer is now enrolled with Enhanced Login Security.

Phase Three: Requirement to Use Enhanced Login Security

To protect all of our Personal Online Banking users from fraud, starting November 28, 2006, if you have not signed up for this new feature by then, you will be automatically prompted to enroll.

Verify Identity with Three Validation Questions

With Enhanced Login Security, you will be protected from any computer that you use, whether at home, at work or on the go. After you have signed up for Enhanced Login Security and enrolled your computer, you will only need your password and User ID to login to Online Banking as you would normally do. If the system does not recognize your computer because you are logging in from a public computer or from a computer that you have not used before, you will be asked to answer the three validation questions that you have set up as an added layer of security to prevent unauthorized access.

If you have any questions about the Enhanced Login Security feature, please contact our Customer Service Center at 1-800-821-3899 Monday through Friday from 6 A.M. to 6 P.M. Pacific Time (9 A.M. to 9 P.M. Eastern Time).