We protect your privacy in two ways. First, Internet Banking creates a secure connection between your browser and our secure server using 128-bit Secure Sockets Layer (SSL) encryption (see next question). The second means of protection is through the use of multiple-factor authentication techniques as prescribed by bank regulatory agencies. Multiple factor identification adds layers of authentication information in addition to user names and passwords and, in some cases, employs a physical device. Our layers of security include user ID, password, secret questions and answers, a device check, and a geographic location check. Our website also utilizes an Extended Validation (EV) certificate. The EV certificate allows you to visibly verify you are at our genuine waynebank.com website. The EV certificate turns the address bar green and will display Fiserv Inc.