Multifactor Multifactor Identification for Identification for Internet Banking Internet Banking

Citizens State BankCitizens State BankMonticello, IowaMonticello, Iowa319-465-5921319-465-5921

www.citizensstateonline.comwww.citizensstateonline.com

Effective December 11, Effective December 11, 20062006

Effective December 11, 2006, Effective December 11, 2006, we will we will be introducing significant security be introducing significant security enhancements to better secure our enhancements to better secure our Internet banking environment.  Internet banking environment.  These changes are designed to These changes are designed to ensure that only you can access your ensure that only you can access your accounts.  The security accounts.  The security enhancements are called Multifactor.enhancements are called Multifactor.

Logging In To Your Account Logging In To Your Account InformationInformation

The security of your personal information The security of your personal information is our highest priority.  To continue is our highest priority.  To continue providing a safe and secure Internet providing a safe and secure Internet banking environment we will  be banking environment we will  be introducing significant security introducing significant security enhancements to better protect your enhancements to better protect your personal information.  These changes will personal information.  These changes will include a new login screen.  We are include a new login screen.  We are moving the entry of your password to a moving the entry of your password to a separate page.separate page.

What is Multifactor?What is Multifactor?

Multi-factor authentication works by Multi-factor authentication works by using more than one way to confirm using more than one way to confirm your identity. Internet fraud is becoming your identity. Internet fraud is becoming more common and more advanced. As more common and more advanced. As Internet thieves continue to develop new Internet thieves continue to develop new ways to trick people, their fakes become ways to trick people, their fakes become harder to spot. With multi-factor harder to spot. With multi-factor authentication, even if you fall for an authentication, even if you fall for an Internet scheme, you are still protected. Internet scheme, you are still protected.

Multifactor (continued)Multifactor (continued)

Each time you login our system will verify the Each time you login our system will verify the computer you are using. If the system recognizes computer you are using. If the system recognizes your computer then your private picture and phrase your computer then your private picture and phrase will be displayed. This ensures that you are on the will be displayed. This ensures that you are on the correct website.correct website.

If our system doesn’t recognize your computer it If our system doesn’t recognize your computer it will challenge you with security questions that you will challenge you with security questions that you submitted in the initial enrollment (see the next submitted in the initial enrollment (see the next page). Only after successfully answering a question page). Only after successfully answering a question can you enter the Internet banking portal.can you enter the Internet banking portal.

Initial Enrollment StepsInitial Enrollment Steps1.1. Login by entering your current Access ID Login by entering your current Access ID 2.2. Click SubmitClick Submit3.3. Enter your current password. Enter your current password. 4.4. Click SUBMIT.Click SUBMIT.5.5. Complete the Enrollment FormComplete the Enrollment Form

a)a) Provide a current e-mail address.Provide a current e-mail address.b)b) Enter a pass phrase for the randomly selected Enter a pass phrase for the randomly selected

authentication image.authentication image.c)c) Provide answers for 3 challenge questionsProvide answers for 3 challenge questionsd)d) Select whether you are logging in with your personal Select whether you are logging in with your personal

computer, or a public computer. Only register computer, or a public computer. Only register personal computers that you frequently use and are personal computers that you frequently use and are not available for public use.not available for public use.

6.6. Click submitClick submit

Login After the Initial Login After the Initial EnrollmentEnrollment1.1. Login using your current Access ID. Login using your current Access ID. 2.2. Click submitClick submit3.3. Your authentication image & your phrase are Your authentication image & your phrase are

displayed. displayed. 4.4. If the image and phrase are correct, then enter your If the image and phrase are correct, then enter your

password. If these don’t match your picture and password. If these don’t match your picture and phrase, phrase, do not enter your password.do not enter your password. Contact a Contact a Citizens State Bank representative Citizens State Bank representative immediately.immediately.

5.5. If everything matches.If everything matches.6.6. Click Submit.Click Submit.

Always verify the image and phrase each time you Always verify the image and phrase each time you login and never proceed if these don’t match your login and never proceed if these don’t match your picture and phrase.picture and phrase.

Changing your Image, Pass Changing your Image, Pass Phrase, or Security QuestionsPhrase, or Security Questions

1.1. Enter your current user code.Enter your current user code.2.2. Click Submit.Click Submit.3.3. Your image and pass phrase are displayed. Your image and pass phrase are displayed. 4.4. Click submit, if they are correct.Click submit, if they are correct.5.5. Select options from the main menu.Select options from the main menu.6.6. Select change in security data to make the Select change in security data to make the

necessary changes.necessary changes.