ONLINE SERVICES FAQS

Your online account can be accessed only by entering a User ID and Password. This process authenticates your login.

In addition, the channel between the user browser and the secure Web server is encrypted. We have elevated the safety standard for all Online Services to require 128-bit encryption and its supporting browser types. Current online customers who wish to add new services or any new online customers (including Online Brokerage users) will be required to meet the 128-bit encryption standard.

Our Online Brokerage website is designed for, and works best in, Microsoft^® Internet Explorer^®, version 6.0 or higher.

We also support these other browsers:

• FireFox 1.5 or higher
• Netscape^®, version 7.2 or higher (to download the latest version, go to http://browser.netscape.com/)
• America Online (AOL), 8 or higher (to download the latest version, go to Keyword: 128Browser, or http://www.aol.com/)

Call us at (800) 950-5403, 24 hours a day, seven days a week if you encounter problems logging into Online Brokerage.

Due to network congestion, problems with the phone systems or other systems problems, data may not be returned as expected. You should:

• Wait a few seconds and click Reload.
• Try again during off peak hours. (Peak hours are 9:00 to 11:00 am and 7:00 to 9:00pm.)
• Call (800) 950-2296 and listen for a prompt for system status, or to speak to a personal service representative.