Los Angeles Times Federal Credit Union

The following is the privacy policy of Cityside Federal Credit Union. It is intended to maintain the security, confidentiality and integrity of your personal financial information.

Your Credit Union routinely collects and retains non-public personal information about you from your account applications and other forms, transaction history (from deposits, loans, credit cards, etc.) and from consumer reporting agencies.

This information helps us to:

Establish and administer your accounts. (Example: We ask for personal identifying information to protect your accounts from fraud at our branch and at other credit union branches where you can access your account.)
To satisfy certain regulatory requirements. (Example: When you open an account that pays interest, we are required by the IRS to obtain your social security number.)
To better understand you so that we may provide you with additional or improved products and services. (Example: we require information concerning your credit history and your assets to determine if you qualify for loan approval.)

We never share non-public personal information of our current or previous members with a third party, except when necessary to administer our products and services or when required by law.

We restrict access to your personally identifiable financial information to employees with a specific need to that information to provide products or services to you.

Our employees are educated about the importance of maintaining confidentiality and member privacy. If necessary, we take appropriate disciplinary steps to enforce our employees' responsibility to protect your personal information.

In order to prevent unauthorized access to your information, we maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your non-public personal information.

This Notice contains important information about the privacy of person information that Cityside Federal Credit Union collects about its customers and how the information is used.

Q: What categories of personal information about its customers does Cityside Federal Credit Union collect?
A: We collect nonpublic personal information about you from the following sources.

Information we receive from you on applications and other forms.
Information about your transactions with us, our affiliates or others; and
Information we receive from a consumer reporting agency

Q: What categories of personal information does Cityside Federal Credit Union disclose, and to whom is it disclosed?
A: We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law. In particular, our bank does not sell customer lists to others so that they can market a product directly to you.

Q: Do you disclose information to service providers and joint marketers?
A: In the course of routine business, our bank discloses nonpublic information about customers to third parties who are under contract to the bank to provide services for the bank. The contract requires the contractor to use the information only for the purposes intended, and the contractor is prohibited from divulging the information it receives from the bank to others.

Q: What are the policies and practices of Cityside Federal Credit Union with respect to protecting the confidentiality and security of nonpublic personal information?
A: We restrict access to nonpublic information about you to those employees who need to know that information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic personal information

Privacy for Internet Users

Our commitment to safeguard your privacy also extends to the Internet. If you are just browsing through our website, we do not request any personally identifiable information, nor do we collect unique identifying information about you unless you voluntarily and knowingly provide us that information, such as when you send us an email or complete an application online. If you provide us this information, it is only used internally and in furtherance of the purpose for which it was provided.

Our Internet financial services provider, FundsXpress Financial Network, Inc. (FundsXpress) may collect general information on our website and Portal (My FI Web or other identified product name) visitors simply to help us provide banking and other financial services to you online. They collect certain information on our behalf for security and statistical purposes. The information collected for these purposes may include:

The Internet address (referral site) which brought you to our web site;

The date and time you access our site;

The name and version of your web browser;

The Internet service provider you used when you accessed our site;

Your Internet Protocol (IP) address; and

The pages visited in our website and Portal (My Web or other identified product name).

FundsXpress may use cookies to collect this general information on all website and Portal (My Web or other identified product name) Visitors. They also use cookies for security purposes in our Internet Banking product and for customization and personalization of the Portal (My Web or other identified product name).

In the future, we may use aggregate, general, non-personally identifiable information to help us market our products and services that may be of interest you.

Additional information about IP addresses and cookies are provided below.

Internet Protocol (IP) Addresses

An IP address is a number that's automatically assigned to your computer whenever you're on the Internet. Web servers, the computers that "serve up" Web pages, automatically identify your computer by its IP address.

When collecting information for us, FundsXpress does not link IP addresses to anything personally identifiable, which means that a user's session will be logged, but the user remains anonymous.

FundsXpress may use IP addresses to audit the use of our site. They can and will use IP addresses to identify a user when necessary for security purposes.

What is a Cookie?

A cookie is a very small text file sent by a web server and stored on your hard drive, your computer's memory, or in your browser so that it can be read back later. Cookies cannot 'read' information about you from your computer or be used to 'steal' information about you; and cookies don't carry viruses. Cookies are a basic way for a server to identify you (most cookies actually identify the computer you happen to be using at the time, not you personally). Cookies are used for many things from personalizing start up pages to facilitating online purchases. Cookies help sites recognize return visitors and they perform a very important function when you engage in secure Internet banking. For your security, we do not store any of your personal information in our cookies. The cookies used in our Internet banking system and Portal (My Web or other identified product name) are further described below.

Internet Banking Cookies

FundsXpress uses encrypted cookies that do not pass to your computer's hard drive. Instead, the cookie is stored in your computer's memory, identifying only your computer while you are logged on. Only FundsXpress can read the information in these cookies. This Internet banking cookie allows FundsXpress to process multiple transactions during your session without requiring you to reenter your pass code for each individual transaction. The cookies for Internet banking simply provide another level of security for our Internet banking product. When you log off, or close your browser, the cookie is destroyed. A new cookie is used for each session. That way, no one can use the prior cookie to access your account. For additional security, the cookie expires after 10 minutes of inactivity. It must then be renewed by reentering your pass code. FundsXpress does not (and cannot) use this cookie to collect or obtain new personal information about you. You must allow your browser to accept this cookie so you can use the Internet banking system.

Portal (My FI Web or other identified product name) Cookies:

FundsXpress uses several cookies to provide features within the Portal (My Web or other identified product name). They send a 'Web Trends' cookie to all Portal (My Web or other identified product name) visitors in order to help us collect general information on all Portal (My Web or other identified product name) visitors. This cookie is sent to your computer hard drive and provides us information such as; when you accessed our site, which pages you accessed in the Portal (My Web or other identified product name), and what Internet provider you used when you accessed our site. The information collected through this cookie is not personally identifiable and is only used for statistical purposes to assist us in our planning process and our marketing program.

When visitors register on the Portal (My Web or other identified product name) and select the 'Remember Me' checkbox, FundsXpress sends additional cookies to your hard drive, which enable you to customize the Portal (My Web or other identified product name) and bypass the login process each time you revisit the Portal (My Web or other identified product name). These cookies are retained on your computer until you either delete them or click on the Logout link within the Portal (My Web or other identified product name). These cookies only contain a unique user identification number and do not contain or collect any personally identifiable information.

When registered users login to the Portal (My Web or other identified product name), FundsXpress sends an additional cookie called a "per-session" cookie or "server-side" cookie. This "server-side" cookie resides in the browser and is only used by FundsXpress to monitor the session by a unique identification number. This cookie is used for security purposes and you must allow your browser to accept the "server-side" cookie to use the Portal (My Web or other identified product name). The cookie is destroyed after eight hours.

When you click on advertisements of 3^rd party merchants within they Portal (My Web or other identified product name), they may also send you a cookie to collect general non-personally identifiable information. You do not have to accept these cookies to use the Portal (My Web or other identified product name).

Disclosure of Information

We do not disclose any nonpublic personal information about our customers, former customers, website visitors or Portal (My Web or other identified product name) visitors to anyone, except as permitted by law.

We must provide certain customer account information to service providers, such as FundsXpress, so that we may process your Internet banking transactions.

We do not sell any of your personal information.

We will not disclose any medical information that you provide to us, unless you specifically authorize its disclosure.

We may disclose a portion of the customer information we collect on the Portal (My Web or other identified product name) to financial institutions that perform marketing services on our behalf and with whom we have joint marketing agreements. We have such an agreement with FundsXpress. Our contract requires FundsXpress to protect the confidentiality of your personal information to the same extent that we must do. The disclosure of certain information to FundsXpress can help us market financial products and services that may be of particular interest to you or save you money.

Email Policies

In the future we may send you email notices for certain required disclosures if you choose to accept electronic disclosures or statements. We may also send you emails to market our products and services that may be of interest you. We may also provide you an opportunity to subscribe to a newsletter; however, we will always provide you an opportunity to opt-in or opt-out of these advertising promotions if required by law. FundsXpress may send emails as an agent on our behalf.

External 3rd Party Links

Our Portal (My Web or other identified product name) has numerous links to other 3rd party sites. These links to external third parties are offered as a courtesy and a convenience to our customers.

Cityside Federal Credit Union is not responsible for the privacy practices or the content of such web sites. As a general rule, you should always look for and review a site's privacy policy before giving out any personal information.

Third party merchants may collect personal information from you when you visit their sites. For example, they collect personal information from you when you provide billing information or send them an email. Some third party merchants may also send you a cookie to collect data on your Internet usage and preferences. When you click on advertisements at third party sites, the advertising company may also send you a cookie. With the exception of our service provider, FundsXpress, we do NOT have access to the information collected by any third party, nor can we control how they use this information. If you have questions or concerns about the privacy policies and practices of these third parties, please review their websites and contact them directly.

Security

Cityside Federal Credit Union has developed strict policies and procedures to safeguard your personal information. We restrict employee access to your sensitive personal information to a "need to know" basis. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We educate our employees about the importance of confidentiality and customer privacy. We take appropriate disciplinary measures to enforce employee privacy responsibilities. We offer secure email through our Internet Banking service. You should use the secure mail service anytime you send us sensitive personal information.

Our Internet Banking service provider, FundsXpress, has also developed security policies and procedures to protect the customer information that they must collect and maintain to help us process your banking transactions over the Internet. They have developed a top-of-the line security system to ensure your customer information is protected on the Internet and within the FundsXpress environment. For more information on the FundsXpress security measures, please visit their website at http://www.fundsxpress.com.

If you would like to know what information we have collected in connection with your use of our products and services, including Internet based products and services, please contact us at (213) 402-4800 or

Cityside Federal Credit Union
200 South Spring Street
Los Angeles, CA 90012

After reviewing the information, if you believe any of the information is in error, contact us either by phone or email memberservices@citysidefcu.org, or send a letter that explains the alleged discrepancy. If the information is incorrect, we will work with you to ensure your information is promptly updated.

In addition, if you believe any information that Cityside Federal Credit Union or FundsXpress has collected about you has been used for an improper purpose; please contact us at memberservices@citysidefcu.org. Explain your concerns in as much detail as possible so that we may take any appropriate action.

USA PATRIOT ACT Policy

(Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001)

Pursuant to the USA Patriot Act, every financial institution in the United States will be required to ask new and existing members for identification prior to opening new accounts, adding individuals to existing accounts, and for some transactions like wires and ACH. This rule becomes effective October 25, 2002.

If the staff at CFCU asks you to provide a photo ID, the request is not meant to invade your privacy. We are complying with a new federal regulation that is designed to protect you from identity theft or fraud and protect the credit union from being used for criminal activity. If you do not have this information with you at the time you make your request, we will not complete the transaction until it is provided.

The following is a list of acceptable ID. The ID provided must show your name, residence, and date of birth.

Identification must be a photo ID like a(n):

Un-expired state driver's license or ID card

Military ID card

Passport

Immigration card

Any other form of government issued ID

Student ID Card *

Employer issued photo ID * (Times ID card)

Other documents may be required, along with a photo ID, if more information is needed. They are a social security card, a certified birth certificate, a pay stub, immigration documents, and un-expired employment authorization documents.

Individuals opening an account for a minor will need to provide ID for themselves and a social security card for the minor. Individuals opening business accounts will need to provide additional information for the business.

All accounts are verified through Chexsystems.

All documents and information that is gathered by CFCU is kept secure and is not shared to anyone under the Privacy Policy rules and regulations.

Non-members negotiating 'on us' checks will be required to provide a photo ID and a thumb print.

* These forms of ID must be accompanied by a recent pay stub or social security card showing your social security number. Students may be asked to provide a name of a school official who can be contacted to confirm identity.