FACTS

WHAT DOES R.I.A. FEDERAL CREDIT UNION DO WITH YOUR PERSONAL

INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

 Name, Address, Social Security Number, and Income

 Account Balances and Payment History

 Credit History and Credit Scores

How?

All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members' personal information; the reasons R.I.A. Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does R.I.A. Federal Credit Union share?

Can you limit this sharing?

For our everyday business purposes -

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes -

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

Yes

For our affiliates' everyday business purposes -

information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes -

information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

To limit our sharing

 Call Toll-free 800-742-2848

Please note:

If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer a member, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

*Members cannot opt-out of receiving letters or other credit union communications that carry regulatory notices.

Questions?

Call toll-free 800-742-2848

Who We Are

Who is providing this notice?

R.I.A. Federal Credit Union

What We Do

How does R.I.A. Federal Credit Union protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

How does R.I.A. Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

 Open an account  Make deposits or withdrawals from

 Apply for a loan your account

 Apply for insurance  Show your government-issued ID

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

 sharing for affiliates' everyday business purposes - information about your creditworthiness

 affiliates from using your information to market to you

 sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What happens when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

 R.I.A. Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

 R.I.A. Federal Credit Union does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 Our joint marketing partners include insurance providers, financial service providers, credit card companies, product and service marketing companies.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.

For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.

For Vermont Members.

 We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal information, financial information, credit report, or health information to nonaffiliated third parties to market to you, other than as permitted by Vermont law, unless you authorize us to make those disclosures.

 Additional information concerning our privacy policies can be found at www.riafcu.com or call 800-742-2848.

Location Based Information: Mobile Banking collects location data to enable push notifications even when the app is closed or not in use. It also is used to support promotional offers from the Credit Union. If you use any location-based features of Mobile Banking, you agree that your geographic location and other personal information may be accessed and disclosed through Mobile Banking. If you wish to revoke access to such information, you must cease using location- based features of Mobile Banking via your device's settings.