The increased use of online banking and financial services and the surge of identity theft have prompted Federal regulators to mandate security enhancements for internet-based financial services for all financial institutions. We want to keep your information safe and secure, so these security enhancements continue to be a top priority for us. These changes are designed to validate authorized users for your account and thus help provide even greater security for your financial information. For Internet-based financial products and services, single-factor authentication - such as User ID and Password provided at login - may be insufficient as the only validation for identity. Therefore, we will begin asking for additional information to be used intermittently when you log on to your account.