Security & Confidentiality

How we protect your privacy in Online Banking
We take many precautions to protect your privacy when you do business with us through Online Banking.

Browser encryption
To access your account, you must use an Internet browser that utilizes 128-bit encryption technology, which is an industry standard for secure area browsing of sensitive information.

Enrollment
Access to your account through Online Banking requires a thorough enrollment process to assure that you alone receive information about your account. After you submit your completed enrollment form to us electronically, you will be notified by mail of your approval. This written notice includes a one-time authentication code that you will need to use the first time you sign onto your account. This enrollment process helps assure your privacy.

Password
We've made our password selection and verification parameters stringent to reduce the potential for security breaches. You will need to select a password that meets the following criteria:

• 6 to 16 characters
• One character must be a letter
• One character must be a number
• Do not use your user name or your first or last name.

These criteria may make a password more difficult to remember, but they also make unauthorized access to your account far more difficult as well. Passwords are encrypted on our system, and they are not accessible to Western AgCredit employees. No one connected with this Web site or Western AgCredit will ever ask you for your password. If you receive such a request, please report it to us immediately by secure messaging.

Of course, you must protect the confidentiality of your password. Do not give it to others, and do not keep it in a place where others may have access to it. If you suspect that your password is lost or stolen, or that someone made an unauthorized transaction on your account, please notify us at once. You should also change your password immediately. You can do this on line. In fact, you should change your password periodically, at least a few times a year, even if you have no reason to think it was compromised. This is important because Western AgCredit will process any transaction authorized by anyone using your password.

Review
Once your account is active in Online Banking, you can access account information and initiate transactions. A Western AgCredit representative reviews and verifies every transaction before it is actually completed. This step helps prevent unauthorized activity in your account.

Software safeguards
A "time-out" feature shuts down access to your account to keep others from viewing your data after you leave your computer. After 30 minutes, the site will require you to reenter your password to access your account again. To thwart would-be hackers, a customer's account will be inaccessible after five unsuccessful sign-on attempts. For help reactivating your account, call us at 1-800-743-2125. All activities are electronically logged, so both you and Western AgCredit can review them in case of any suspicious activity.

Secure electronic messages
You can feel confident that your communication with us is protected and secure when you use the "Messages" option after logging onto your account. We use a secure electronic system to keep information confidential.

Firewall
The only way to access Farm Credit customer account information is through the secured section of our Web site, which is protected by a "firewall." A firewall is part of our security system that helps prevent hackers or other unauthorized people from breaking into our computer systems.

How you can help

• Keep your password confidential and safe. Change your password periodically for added protection. Change your password immediately if you even suspect any unauthorized person has had access to it.
• Sign off of your account before walking away from your computer or before visiting other Internet sites.
• Clear your computer cache when exiting your account. (See the sign-off page for clearing instructions.)
• Use secure electronic messaging, rather than your regular Internet e-mail for communicating with Western AgCredit.
• Report to us a lost or stolen password immediately. Also report any suspicious or unauthorized transactions, including a request for your password that appears to come from Western AgCredit.

Limited Liability
For other important information relating to the use of Online Banking and limits on Western AgCredit's liability, see the Online Banking Agreement posted on this Web site.