Adding a security question helps you gain access to your account in case you forget your password. It also adds an extra layer of protection against password hacking attempts. To add a security question of your choice:
Click the Security tab on your ChARM Accounts home screen.
Click the Security Question link.
Enter your current password, provide the security question and answer of your choice, and click Save.
From now on, each time you want to change your password, you will need to answer your security question correctly to proceed with the password change.