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Login Help, Security

Software, Settings & Security

Q&A

If you are unable to find the answers you need, please contact our Service Desk.

What are the software requirements for this website?

You need Internet access and a 128-bit encrypted web browser. We recommend that you have broadband Internet access, and updated software such as the Adobe Reader and a Multimedia Player. For more information, please see the table below:

Recommended Software

For more information or to download and install the software, please click on the links below.

Web Browser

In order to view pages on the website, you will need a web browser. To access account information, your browser must support 128-bit SSL encryption. For the best performance, we recommend using Internet Explore or Mozilla Firefox.

Adobe Reader

Many documents on this website utilize the widely used Adobe Acrobat file format. To read or print any of these (.PDF) documents, you’ll need the Adobe Reader.

Multimedia Player

Our site features multimedia content. To listen to or view our webcasts, you’ll need a sound card, speakers or headphones, and a media player. This content requires either Windows Media Player or RealPlayer and the Adobe Flash Player.

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Is this website secure?

Yes. Communications between your computer and this website are encrypted using SSL, the Internet-standard secure-connection protocol. SSL is used by all leading financial and e-commerce websites to prevent hackers and other malicious users from intercepting data on the Internet. To take advantage of the highest level of security available, we require that you install a version of your browser that supports 128-bit SSL encryption. For more information, please see our “Security Statement” and “What web browsers can I use?”

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What web browsers can I use?

For your protection and in order to maintain a high level of security, we require that your browser support 128-bit SSL encryption to access account information and financial data. As a result, our website may not work with all browsers. Because earlier versions of these browsers listed below are no longer supported by their manufacturers and may be incompatible with security certificates that expire after January 7, 2004, we recommend that you download and install the latest version of one of these browsers. This will not only ensure stronger security level, but also the best overall performance of our website.

Supported Web Browsers:

While this website may work with other web browsers, there is no guarantee. Since we are unable to provide assistance for non-supported web browsers, we recommend that you use one of the supported web browsers listed above. For assistance with a non-supported web browser, please contact your browser's manufacturer.

Browsers supported by us are the ones that have greater then 0.5% usage. This information is based on public data from the World Wide Web Consortium (W3C).

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How do I set my cookies for this website?

Below are some instructions for configuring your cookie settings in some of the more popular browsers that we support:

  • In Internet Explorer, select “Internet Options” from the “Tools” menu. Then, click on the “Privacy” tab. If the Setting is “Custom,” click on the “Default” button. Next, move the slider to “Medium” and click the “OK” button.
  • In Firefox, select “Tools”, then “Options” and then “Privacy.” In the “Cookies” area select “Allow sites to set cookies” and “until they expire”.
  • In Chrome, select “Option”, then click “Under the Hood” tab. In the “Cookie settings” drop-down menu, select “Allow all cookies”.
  • In Safari, choose “Preferences”, then “Security.” In the “Accept Cookie” section, select “Always”.

For more information on cookie settings, please consult the Help documentation included with your browser.

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Can I print my website information?

You can print most pages on this website. Please remember that all website content is copyrighted.

To print a page on this website, click on the Print icon of your browser. Alternatively, you can choose File > Print. If a page is too wide to print completely, from the File menu choose Print > Properties and choose Landscape orientation. You can also adjust your margins under “Page Setup.”

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Where do I get the Adobe Reader?

Many of the publications on this website utilize the Adobe Acrobat (.PDF) file format. If you don’t have the Adobe Reader installed on your computer, please go to http://get.adobe.com/reader to download and install it. The Adobe Reader is free of charge to all users.

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What if I have problems with the Adobe Reader?

If you have the Adobe Reader installed but are unable to read the document, the Adobe Reader may be improperly installed on your computer or may be an older version. Sometimes Adobe Reader can be affected when a web browser is upgraded. Please download and reinstall the most recent version of Acrobat Reader (see “Where do I get the Adobe Reader?” above) or visit the Adobe Support website at http://www.adobe.com/support/reader/. If you’re still unable to read Adobe PDF files,contact the Service Desk.

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What is a webcast?

Webcasts are multimedia presentations presented on the Internet. To listen and view our webcasts, you’ll need a sound card, speakers or headphones, and a media player. You will need require either Windows Media Player or RealPlayer and the Adobe Flash Player.

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When I try to play a webcast a window with a black background appears.

It is likely that you have an older version of Adobe’s Flash Player installed on your computer. Right-click on the black background to confirm. If you see “About Macromedia Player 6” or below, you will need to upgrade your player. Go here and install the latest version.

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What if I have other problems with the webcast?

If you are experiencing problems with a webcast, please try the following steps to troubleshoot the issue:

  1. Confirm that you have a sound card and speakers or headphones and that the volume is turned up.
  2. Verify that you have Real Player, Windows Media Player, or Adobe’s Flash Player installed.
  3. Disable any pop-up blockers you may have.
  4. Confirm that you have an active connection to the Internet and that your Firewall is set to allow streaming. If appropriate, check with your ISP or IT department.

For additional assistance, contact the Service Desk.

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Our commitment to Internet security.

We are committed to protecting your personal information and therefore adheres to the highest ethical standards in gathering, using, and safeguarding the information you’ve entrusted to us. We will not rent, sell, or exchange user information. Access to information about our users is restricted to the AllianceBernstein family of businesses.

We may collect and store certain navigational and transactional information, such as the number of times you access this site and the duration of such access. Such information is for internal purposes only and will not be disclosed to third parties, except if necessary to comply with applicable law or valid legal process. Any outside contractors that we hire to provide support services must adhere to our rigorous policies for the safeguarding of user information. For more information, please review our Privacy Policy.

We take numerous precautions in seeking to keep our systems secure and compliant with industry standards, including ongoing security testing of the website, constant security monitoring, and maintaining state-of-the-art security programs. This website requires 128-bit SSL for website browsing. For more information, please see “Browsers and Internet Security”.

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Tips for creating a strong User Name, Password, PID (for Institutional clients only) and/or Bernstein ID (For Private Clients and Professional Advisors only).

Your user name, password, PID and Bernstein ID are private means of accessing secure financial information. You should never share them with anyone, and you should change your password periodically. You can change your password as frequently as you like by logging in to the site, clicking on the My Profile link on the top right, and choosing Make Changes under “Change Password.”

We recommend the following password guidelines:

  • Never share your password with anyone
  • Change your password regularly via the “My Profile” link
  • Make your password nine or more characters
  • Use a combination of letters and numbers
  • Don’t use names, phone numbers, birthdays, or addresses
  • Use a unique password for each website that you use

If you forget your password, please call your Advisor.

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Electronic Communications and the security of your personal information.

E-mail scams, designed to gain personal and confidential information from recipients, have become widespread. In some cases, e-mails are forged—that is, made to appear as though the sender is an entity known to the recipient—and contain requests for personal information. In other cases, a legitimate-looking e-mail directs the recipient to a phony website that tries to get the recipient to reveal his or her user name, password, and other personal and financial data.

We will never ask you for your website password—not through e-mail, not over the phone, not ever.

We will never threaten account closure in an e-mail. An e-mail that does so is an attempt to gain access to your personal information. Do not reply to the e-mail; do not submit such information through a website.

If you receive an e-mail asking for personal information (account numbers, passwords, PINs, Social Security numbers, etc.) suspect fraud. Regardless of the sender, do not reply to the e-mail and do not submit such information through a website. Do not click on any links or open any attachments, as they may contain viruses or spyware.

If you receive such an e-mail, and it appears to come from us, do not reply. Instead, please call your Advisor for additional information.

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Browsers and Internet security information.

Communications between your computer and our website are encrypted using SSL, the Internet-standard secure-connection protocol. SSL is the industry standard used by leading financial and e-commerce websites to prevent malicious users from intercepting data on the Internet.

For your protection and in order to maintain a high level of security, we require that your browser support 128-bit Secure Sockets Layer (SSL) encryption to access account information and financial data. As a result, the website may not work with all browsers. Our website is designed to work with Microsoft Internet Explorer version 6.0 and higher for Windows, Mozilla Firefox version 3.0 and higher, AOL version 8.0 and higher, Google Chrome, and Apple Safari version 1.0 and higher for the Mac. Because earlier versions of these browsers are no longer supported by their manufacturers and may be incompatible with security certificates that expired after January 7, 2004, we recommend that you download and install the latest version of one of these browsers:

Supported Web Browsers

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What are cookies and why do I need them to access this website?

To access this website your browser must allow session cookies. Cookies are automatically generated by our Web servers and are used only to allow our servers to interact with your browser. If your browser is not set to accept cookies, you will not be able to register for or log in to the website. For more information on cookie settings, please consult the Help documentation included with your browser. In addition, you can read about cookies.

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How to verify that your session is secure.
  1. The best way to make sure you are on our website is to type “https://www.AllianceBernstein.com” into your browser’s address bar.
    • Don’t click on links in suspicious e-mails.
    • Beware of slightly altered websites that request you to provide additional information.
  2. When visiting a SSL-encrypted website, your browser will display a padlock icon in the locked position to let you know that your session is secure. Click on the padlock to open the SSL Certificate.
    • In Internet Explorer, Mozilla Firefox, and America Online, the padlock will appear on the lower right of your browser.
    • In Safari, the padlock will appear on the upper right of your browser.
  3. From the Details tab, choose Subject to display current information for the SSL certificate.
    • In Mozilla Firefox, click the View button on the Security tab. Click the Details tab. Then choose Subject from the Certificate Fields section.
    • In Safari, click the triangle next to Details. Then, scroll down to the Organization field.
  4. Verify that you see AllianceBernstein L.P. displayed next to the letter O (for Owner) or Organization (in Safari).
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Best practices for securely logging off.

After you’ve finished accessing your account, please click on the Log Out button on the top right. Doing so prevents someone else from accessing your account if you leave your computer and your session hasn’t “timed out,” or automatically shut down. Your session will “time out” after 20 minutes without activity. For additional security, please close your browser when you are done using this website.

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Additional security measures that you can implement to maximize your internet security.

We recommend general computer and Internet “Good Use” policies to all users. These include:

  • Use one of the leading antivirus software applications. Antivirus software (e.g., Norton Antivirus, McAfee, etc.) can protect your computer from “Trojan Horse” programs, which can send private information from your computer to an unauthorized person anywhere in the world
  • Use your own computer. Using another person’s computer means that you trust that person’s computer to be safe, which, in fact, it may not be. If they do not follow adequate security procedures, their computer may harbor “Trojan Horse” programs or other applications that can capture your Bernstein data.
  • Keep your operating system up-to-date with the latest patches and security enhancements. New vulnerabilities in the Windows OS family are found every week, and Microsoft makes patches and upgrades freely available at http://windowsupdate.microsoft.com
  • Use one of the leading personal firewalls to protect your computer from unauthorized entry. Personal firewalls (e.g., Norton Antivirus, McAfee, etc.) can protect your computer from probes and attacks based on network protocols, and can even allow you to prevent unethical users from finding your computer on the Internet.
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What is identity theft?

Identity theft occurs when someone uses another individual’s private information, (e.g., Social Security number, birth date, account number, user ID, password) to represent themselves as that person for fraudulent purposes.

An identity thief will use account or credit card information to open utility accounts, rent an apartment, get a cellular phone, purchase a car or a home, and so on, and then not pay the bills. An identity thief may also use the information to steal money from the victim’s existing accounts. Scams are remarkably convincing, and new approaches are always being developed.

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What are spoofing and phishing?

Spoofing

  • A fake website or e-mail designed to impersonate a real one.

Phishing

  • A forged e-mail that appears to originate from a trusted source and asks you for personal information or links you to a malicious website that collects personal information such as user ID, password, PIN, Social Security number, etc. You must be careful where you enter your personal or confidential information.

Below are some common lures used in phishing attacks:

  • E-mails that contain an immediate call to action
    E-mails that have an “urgent” or “shocking” tone requesting your immediate action on an account-related matter are used by phishers to get consumers to act quickly without thinking. Most phishing attempts urge you to update or validate your account information. Do not provide any personal information.
  • -mail attachments containing viruses
    An e-mail is sent from a user falsely claiming to be a legitimate company with an attachment that, more than likely, contains a virus. Do not open it.
  • Pop-up windows
    A pop-up window appears claiming to be a legitimate company’s website asking for personal information. Do not provide any personal information.

If you suspect you have received a fraudulent e-mail that appears to have been sent from us, please contact your Advisor.

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How to protect yourself on the Internet.

The best way to avoid identity theft is to be aware of the common practices and techniques used by thieves.

Here are some steps to remember in order to protect your identity and accounts.

Guard your personal information

Personal information (such as your PIN, Social Security number, date of birth, etc.) should be protected. Do not give it out to any person or company or in an e-mail unless you are familiar with them and you have initiated your communication with them.

Monitor your financial statements

Every month you should review all of your financial statements from all financial institutions. This will allow you find out if anyone else is using an account you know you have. Check to see if there is anything that you do not recognize and call the company to verify any transaction you find questionable.

Check your credit report regularly

Check your credit report on a regular basis to verify that there has been no unauthorized activity. If an identity thief has opened an account in your name, this is the only way of detecting it since you would not receive statements for such accounts.

All accounts opened with your identity, including new accounts, will appear on your credit report. If accounts appear on your credit report that you do not recognize, you may be a victim of identity theft.

Guard against identity theft by checking your credit report on a regular basis. If you do not, months could pass before you discover that your identity has been stolen.

Destroy mail before discarding

Financial documents contain your personal information. These documents should be shredded before you discard them.

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How to protect your identity online.

Check that you are interacting with a secure website

Before you submit personal or financial information on a website:

  • Look for the locked padlock or key icon on your browser
  • Make sure the website address begins with “https://” instead of “http://.” The “s” indicates that the site is secure.

The absence of either of these items indicates that the site is not secure. If you are unsure of the validity of the e-mail, contact the institution directly, but do not click on any links in the e-mail.

Communicate with us via the “Contact Us” form on the website

Our “Contact Us” form is a secure way of contacting us. If you receive suspicious e-mail that appears to come from us, please use the “Contact Us” form to alert us.

Be suspicious of any unsolicited e-mail that:

  • Asks for account numbers, passwords, PINs, or Social Security numbers
    No reputable financial institution will ever request your personal information (account number, Login password, Social Security number) in either a nonsecure or unsolicited e-mail communication.
  • Threatens account closure
    If you get an e-mail that warns you that an account of yours will be shut down unless you reconfirm your billing information, do not reply or click on the link in the e-mail.
  • Greets you with a generic name
    We will never send you e-mail that is addressed to “AllianceBernstein or Bernstein Member” or “AllianceBernstein or Bernstein customer.”

If you suspect fraud:

  • Contact the company
    Verify the legitimacy of a suspicious e-mail by directly contacting the company that apparently sent the e-mail. You may need to forward the e-mail to the company to assist in the investigation. After you have forwarded the suspicious e-mail, you should delete it. If the e-mail appears to have come from us, please contact your Advisor.
  • Do not click on any links
    Do not click on anything within any e-mail that looks suspicious. Links, images, and graphics within e-mails can be used to transmit a virus or used for some other malicious intent. If you get a suspicious e-mail, do not click on anything within it.
  • Do not open any attachments
    Attachments may also contain viruses or spyware. Do not open any attachments within any e-mail that you suspect to be fraudulent.
  • Do not reply to the e-mail
    Do not reply to any e-mail that appears suspicious. In addition, do not submit personal information through a website.

Be selective in giving your personal or confidential information:

  • Do not provide your personal or financial information
    You should never send your personal or financial information in response to an e-mail request or after clicking on a link in an e-mail. Legitimate companies do not ask for this type of information through an e-mail communication, no matter how official the e-mail may look.
  • Never enter your personal information
    Forms within e-mail messages or a pop-up are also used to steal your identity. E-mail messages and pop-ups are not secure. It is never safe to enter your personal information in a form unless it is on a secure website.
  • Do not automatically open e-mail attachments
    Never open an e-mail attachment from a sender you do not recognize. A legitimate financial institution would not deliver unsolicited attachments. Delete the e-mail with the attachment immediately.
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What to do if you are a victim of identity theft.

If you are a victim of identity theft, here are some recommended steps:

  • Report the theft to the credit bureaus and request that a “fraud alert” be placed on your file.
    This ensures that you will be contacted before any new account is opened and/or an existing account is changed.
  • Request copies of credit reports.
    Review your credit reports carefully and identify any new accounts that may have been opened. Pay particular attention to the section of the report that lists “inquiries” from new companies. Contact these companies immediately and have them remove any pending or new accounts from their system. Review all of your accounts. Credit bureaus must provide free copies of credit reports to victims of identity theft.
  • Contact the fraud departments at your financial institutions.
    Dispute any unauthorized charges that appear to be fraudulent (e.g., credit card issuer, phone companies, utilities, banks, and other lenders). Describe your identity theft problem and follow up with a letter.
  • Contact your local police department and ask to file a report.
    This may help when clearing your credit.
  • File a complaint with the Federal Trade Commission (FTC.)
    The FTC handles complaints from victims of identity theft, provides information to those victims, and refers complaints to appropriate entities, including the major credit-reporting agencies and law enforcement agencies.
  • Document your steps.
    Make a list of the dates and times that actions were taken. Stay organized and keep track of what you have done and what the next steps are.
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AllianceBernstein and Bernstein Advisors are resources for you.

If you have any questions or concerns about your AllianceBernstein or Bernstein accounts, please contact your Advisor.

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What to do if you need website support.

Website Support is available to help you Monday through Friday, 7 a.m. to 6 p.m. ET. Our Help Desk staff is knowledgeable and will be glad to help you with any problems you may be experiencing. In addition, our Help Desk staff adheres to a strict confidentiality policy, so that any information they may view on this website is held in the strictest confidence. You may contact the Service Desk.

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Credit Bureaus
Equifax Experian TransUnion
Order Credit Report (800) 685-1111 (888) 397-3742 (800) 916-8800
Report Fraud (888) 766-0008 (888) 397-3742 (800) 916-8800
Web Address www.equifax.com www.experian.com www.transunion.com
Address PO Box 740241
Atlanta, GA
30374-0241
PO Box 2104
Allen, TX
75013-2104
PO Box 2000
Chester, PA
19022-2000
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Additional Resources
Agency Name Phone Number Web Address
Anti-Phishing Working Group NA www.antiphishing.org
Federal Deposit Insurance Corporation (FDIC) (877) 275-3342 www.fdic.gov
Federal Trade Commission (FTC) (877) 438-4338 www.consumer.gov
Identity Theft Resource Center (858) 693-7935 www.idtheftcenter.org
Office of Thrift Supervision (OTS) (202) 906-6000 www.ots.treas.gov
Privacy Rights Clearinghouse (619) 298-3396 www.privacyrights.org
Social Security Administration (800) 269-0271 www.ssa.gov
U.S. Department of Justice (DOJ) (202) 514-7023 www.usdoj.gov
U.S. Postal Service (USPS) (800) 275-8777 www.usps.com
U.S. Securities and Exchange Commission (SEC) (800) 732-0330 www.sec.gov
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