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  • How T. Rowe Price Protects Your Information

    At T. Rowe Price, safeguarding your online security and privacy is a high priority. We use strict controls to ensure that your online communications and transactions are as safe and reliable as any business channel.

    • T. Rowe Price will not request personal information via e-mail, text message, or phone call. You should only provide account information via T. Rowe Price's secure website, when calling T. Rowe Price, or by U.S. mail/express delivery.
    To protect your information we employ:
    Identity Verification

    In our continuing effort to implement effective security measures to protect shareholders opening new online accounts, T. Rowe Price uses "True Identity." This helps confirm that new online accounts are established by the true customer and not by an identity thief. This not only helps make our shareholders safer, it also helps make verification faster and more secure.

    Notifications and Confirmations

    For online transactions, a confirmation statement is mailed promptly after the transaction date. You can choose to receive confirmations via email and or/text message instead of by mail, click here to learn more. Make sure you review your account activity periodically. For security purposes, you will be asked to provide personal information for identity verification when you call us. When a customer requests a change of address, we send a confirmation letter to both the old address and the new address.

    Enhanced Security

    T. Rowe Price has added a feature to the login process to help protect your account information. We use a unique image and phrase to notify you that you are logging in to a valid T. Rowe Price website. For more information on how our enhanced security features work, click here.

    2-Factor Authentication

    T. Rowe Price offers 2-Factor Authentication, which is the use of your existing password plus an Access Code, to provide greater security during the log in process. This service is not available for investors who only have a workplace retirement account managed by T. Rowe Price.

    Access Codes are obtained for Individual Investors via:

    • Text Message, or
    • Digital Token (for investors with a T. Rowe Price Brokerage account)

    Log in and enroll to receive an Access Code via Text Message, or to order a Token.

    Online Transaction Limits

    T. Rowe Price has placed the following limits on individual mutual fund transactions:

    Non-Retirement Accounts

    • When making a purchase using a bank that has not yet been verified the maximum purchase limit will be $100,000. After the bank has been verified the maximum purchase limit is $250,000.
    • Redemptions via ACH or Wire cannot exceed $50,000 per transaction, and $100,000 per account per day. Exchanges cannot exceed $500,000 per account per day. An account is defined as an investment in a single fund.
    • For Brokerage Advantage accounts, these criteria do not apply; however, sufficient funds or shares must be held in the Brokerage account and/or the accompanying money market sweep account prior to the submission of an online order.

    Retirement Accounts

    • Online redemptions are not permitted from Education IRA accounts.
    Transaction Cancellations

    If an online transaction is entered in error, you may cancel the pending transaction either online or over the phone. Requests to cancel pending transactions must be received prior to the close of the market for that business day (normally 4 p.m. ET). Earlier notification may be required for mutual fund transactions placed in a Brokerage account.

    Trade cancellation requests can be made by calling T. Rowe Price.

    • For Workplace Retirement/401(k) plans, call 1-800-922-9945.
      Please be ready to enter your Social Security number and Plan Account Line PIN to ensure proper call routing.
    • For T. Rowe Price Mutual fund orders, call a Shareholder Services representative at 1-800-541-8803.
    • For Brokerage Advantage customers who placed a T. Rowe Price fund order, and for all non-T. Rowe Price Fund orders, call a Brokerage representative at 1-800-225-7720.

    For security purposes, you will be asked to provide personal information for identity verification.

    Encryption

    T. Rowe Price uses Secure Sockets Layer/Transport Layer Security (SSL/TLS) technology to establish an encrypted connection between your browser and our Web applications. SSL/TLS websites start with "https://" instead of "http://" and signify that you are in a secure online session with us. To ensure your protection, we require a modern version of SSL/TLS and industry standard encryption strength - these are supported by current versions of all modern browsers. Additionally, T. Rowe Price offers the additional protection offered by Extended Validation (EV) certificates, which are designed to display the browser address bar in a green color and display the true company name (T. Rowe Price) when you are accessing trusted websites such as ours.

    Logging

    System activity is logged in order to preserve all the information necessary to validate the transmission of data.

    Access Controls

    Our policies provide for the use of authorizations, rights, and privileges to help ensure that authorized personnel and systems have access to account data. T. Rowe Price's network is protected by various security infrastructures, including industry-standard firewall technology and intrusion-prevention systems.

    Termination of Online Account Access

    T. Rowe Price reserves the right to terminate online account access for any account that exhibits suspicious activity. In such a situation, you will be notified so that we can verify the activity of your online account with you.

    User Name Requirements

    You may choose any user name between six and 12 characters long. If the user name you select is already in use, you will be prompted to select a different one. Please do not use the following characters in your user name: spaces, " % &' + ; = , ^ ` { }). User names are not case sensitive.

    Password Requirements

    Your online access password must meet the following security criteria:

    • Must be between six and 10 characters long.
    • Have at least two letters and two special characters or numbers.
    • Cannot be the same as your user name.
    • Cannot include the following characters: space " % & ' ; = ^,{}.
    • Cannot have more than three repetitive characters in succession. (For example QRb111 is acceptable, QRb1111 is not.)

    Learn more about creating strong passwords by visiting OnGuard Online, a service of the U.S. Federal Trade Commission and other federal agencies.

    Security Questions

    If you forget your password, answering the security questions you select will allow you to reset your password online. The security questions are designed to be personal to you. Your answers must be between four and 20 characters long, including spaces, and are case-sensitive. The answers should also be easy for you to remember but hard for others to guess.

    Protecting Your Personal Information and Preventing Identity Theft

    T. Rowe Price will not ask for personal information via e-mail, text message or phone call. Be cautious of any unsolicited message you receive that asks for personal information. Do not respond to or open attachments, or click on links within an e-mail or text message if you suspect the message is fraudulent.

    What Is Social Engineering?

    Social engineering is a term for manipulating or deceiving people into providing confidential information or performing an action that compromises their security. Social engineers are con artists. Phishing is a common form of social engineering that uses fraudulent messages to trick customers into unsafe electronic activity. The most common forms of phishing are e-mails, text messages, and pop-up messages. The motive is to trick you into clicking on a link or opening attachments that infect your computer with malware or into providing personal or confidential information such as your user ID and password.

    What You Can Do

    Avoid being a victim of a social engineer or scam artist by being an educated and aware online consumer. Learn more by visiting OnGuard Online, a service of the U.S. Federal Trade Commission and other federal agencies. OnGuard Online provides information about avoiding scams, understanding mobile apps and Wi-Fi networks, securing your home computer, and protecting family members.

    If you are a victim of an Internet crime, report it to IC3, a service of the U.S. Federal Bureau of Investigation and the National White Collar Crime Center. You should also report attempted identity theft to the local authorities as well as to the Federal Trade Commission's Complaint Assistant Application.

    Other Ways to Protect Your Security

    Malicious code, such as viruses, worms, key loggers, and Trojan horses, can infect your personal computer and allow attackers to gain access to personal information. There are many ways to protect your information online and when using a computer. Use these tips to secure your personal computer and network:

    • Apply security updates regularly to ensure that your computer's operating system is up to date. Depending on your operating system, use the following links for more information regarding security updates.
    • Be sure you have the latest version of your browser
    • Update your computer's anti-virus software on a regular basis. Schedule automatic security scans or perform them regularly.
    • As another means of checking for fraudulently opened accounts in your name (especially credit accounts), periodically order a copy of your credit report from the three major credit reporting bureaus:
      Equifax: 800-685-1111 / www.equifax.com
      Experian: 888-397-3742 / www.experian.com
      TransUnion: 800-916-8800 / www.transunion.com
    • Under federal law, you are entitled to one free credit report each year from these companies. Report any unauthorized accounts to the applicable credit bureau and to the financial service company holding the fraudulent account. Talk to the credit bureaus about other tools they offer to help stop further fraudulent accounts from being opened.