TCF Strengthens Online Banking Security with RSA® Adaptive Authentication Delivered by S1

Long-standing S1 customer selects RSA’s technology to deliver strong user-centric authentication and behind-the-scenes protection for TCF customers

Wayzata, MN., Wednesday, November 08, 2006 — TCF Financial Corporation (TCF) (NYSE:TCB) announced today that it has selected the RSA® Adaptive Authentication solution to provide enhanced security to consumers banking online. TCF will deploy the solution’s proven, risk-based authentication and site-to-user authentication modules. RSA Adaptive Authentication is delivered by S1 Corporation (Nasdaq: SONE), which teamed with RSA, The Security Division of EMC (NYSE: EMC), earlier this year to offer enhanced online banking security solutions to its financial institution customers.

“Our customers’ security is extremely important and with the increase in online fraud and identity theft, as well as the FFIEC’s year-end deadline approaching, we are providing our customers with stronger online banking protection,” said Earl Stratton, CIO TCF. “RSA’s market-leading technology will further protect our customers’ information.”

RSA Adaptive Authentication delivers site-to-user authentication using a shared secret image and text phrase to allow TCF to authenticate itself to its online banking customers. This provides users with a visible security measure that reassures them that they are at a genuine website, and helps instill confidence in the channel.

In parallel, behind-the-scenes, the system uses the customer’s own computer - in tandem with device and network forensics, behavioral analysis and other parameters - to quickly and transparently ’score’ transactions according to the perceived level of risk. If necessary, the system is designed to then automatically invoke additional security measures such as secret questions or an automated phone call, all with minimal impact to the online banking customer.

“S1 is committed to helping our customers be compliant with the FFIEC guidelines as quickly as possible. Because of S1’s flexible authentication framework built into our applications, we were able to integrate the RSA capability and rapidly deliver the enhanced security to our leading financial institution customers like TCF,” said Neil Underwood, General Manager Retail Solutions Group, S1. “We are delighted to expand our relationship with TCF, a valued customer for more than a decade, and offer the bank an integrated strong-authentication solution via our strategic partnership with RSA.”

TCF will also become a member of the RSA® eFraudNetwork™ community, the world’s most effective collaborative online anti-fraud network. With more than 50 large financial institutions and a multitude of smaller ones on the network, TCF will benefit from some of the best, most up-to-date intelligence from across the globe, providing the company and its customers with instantaneous information and immediate protection from emerging threats.

“We are pleased to have been selected by TCF to enhance their online banking security - it is yet another vote of confidence in our technology, and in our strategic partnership with S1,” said Christopher Young, vice president and general manager, Consumer Solutions at RSA, The Security Division of EMC. “There is tremendous momentum in the market right now, and we are determined to extend our solutions to as many financial institutions and consumers as we possibly can; teaming with S1 and our other partners allows us to significantly expand our reach: more than 1,500 financial institutions have already signed up for RSA Adaptive Authentication via our partnerships since the beginning of the year.”
About TCF

TCF is a Wayzata, Minnesota-based national financial holding company with $14.2 billion in assets. TCF has 455 banking offices in Minnesota, Illinois, Michigan, Wisconsin, Colorado and Indiana. Other TCF affiliates provide leasing and equipment finance, investments and insurance sales. www.tcfexpress.com.
About S1

S1 Corporation (NASDAQ: SONE) delivers customer interaction software for financial and payment services and offers unique solution sets for financial institutions, retailers, and processors. S1 employs 1,500 people in operations throughout North America, Europe and Middle East, Africa, and Asia-Pacific regions. Worldwide, more than 3,000 customers use S1 software solutions, which are comprised of applications that address virtually every market segment and delivery channel. S1 partners with best-in-class organizations to provide flexible and extensible software solutions for its customers. Additional information about S1 is available at www.s1.com.

About RSA

RSA, The Security Division of EMC, is the expert in information-centric security, enabling the protection of information throughout its lifecycle. RSA enables customers to cost-effectively secure critical information assets and online identities wherever they live and at every step of the way, and manage security information and events to ease the burden of compliance.

RSA offers industry-leading solutions in identity assurance and access management, encryption, security information management and anti-fraud protection, bringing trust to millions of user identities, the transactions that they perform, and the data that is generated. For more information, please visit www.RSA.com and www.EMC.com.


RSA, RSA Adaptive Authentication and eFraudNetwork are either registered trademarks or trademarks of RSA Security Inc. in the United States and/or other countries. EMC is a registered trademark of EMC Corporation. All other products or services mentioned are trademarks of their respective companies.

Forward-Looking Statements
This press release contains forward-looking statements within the safe harbor provisions of the Private Securities Litigation Reform Act. These statements include statements with respect to our financial condition, results of operations and business. The words “believes,” “expects,” “may,” “will,” “should,” “projects,” “contemplates,” “anticipates,” “forecasts,” “intends” or similar terminology identify forward-looking statements. These statements are based on our beliefs as well as assumptions made using information currently available to us. Because these statements reflect our current views concerning future events, they involve risks, uncertainties and assumptions. Therefore, actual results may differ significantly from the results discussed in the forward-looking statements. The risk factors included in our reports filed with the Securities and Exchange Commission (and available on our web site at www.s1.com or the SEC’s web site at www.sec.gov) provide examples of risks, uncertainties and events that may cause our actual results to differ materially from the expectations we describe in our forward-looking statements. Except as provided by law, we undertake no obligation to update any forward-looking statement.

Contact Information

Dave Howell

Public Relations Manager

RSA Security Inc.

Contact via E-mail