R.I.A. Federal Credit Union is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. This notice gives you details about the information we collect and it explains how we use and safeguard the information that is given to us.

We take our obligation to keep information about you and your accounts confidential very seriously. Every effort is made to ensure that our records of your information are complete and correct. If an error is noted on your statement or in any other communication from us, please contact us at 1-800-742-2848 or 1-563-355-3800 as soon as possible.

Information We Collect About You and How We Protect It

We may disclose all of the information we collect, as described below, as permitted by law in compliance with the Federal Right to Privacy Act also knows as the Gramm- Leach-Bliley Act. We use this information to complete requests or transactions you initiate. In order to deliver products and services you have requested, we may share personal information with third parties such as insurance companies, ATM networks, VISA/MasterCard, consumer reporting agencies, share draft/check printers, government agencies, financial statement publishers, and attorneys.

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 or our affiliates
• Information we receive from a consumer-reporting agency
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions

RIA Federal Credit Union uses web-tracking software to collect information about the domain from which you are accessing the Internet. We use this information for internal purposes only to assist us in providing the type of web site you want to see in future visits. We store no information about you on our web site that is available to the public. All account information is housed on systems that are behind our web server's firewall.

All access codes, account numbers and information are authenticated and encrypted. You authenticate access to your information through use of your account number and personal identification number in combination. You may change your personal identification number at any time through our web site.

Access to non-public personal information we gather about you is restricted to those employees who need to know the information to provide products and services to you and for completing your requests and transactions. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your non-public personal information. We only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information to other third parties.

If you terminate your membership with RIAFCU, we will not share information we have collected about you except as may be permitted by law.

Although the information provided and transactions conducted by you on your account at RIA Federal Credit Union during normal business hours is timely and accurate, RIAFCU does not approve or control the information provided on pages accessed through links to other Internet addresses accessible through our site. Therefore, we cannot guarantee the accuracy, timeliness, decency, legality, completeness or any other information obtained through them.

If after reading this information you have questions, please contact us through our web site or at:

   1-800-742-2848 or 1-563-355-3800

or write to us at: PO Box 4750, Rock Island, IL, 61204-4750