FACTS	WHAT DOES BAY CITIES 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: Social Security number Payment History Transaction or loss history Credit history Checking account information Wire transfer instructions
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 Bay Cities Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Bay Cities Credit Union share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your accounts(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	NO	WE DON'T SHARE
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 non affiliates to market to you-	YES	YES

To limit our sharing

Call 510-690-6100 to speak to a Member Service Representative.
Visit us online: www.baycities.org
Mail the form below

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.

Questions?

Call 510-690-6100 or go to www.baycities.org

Who we are
Who is providing this notice?	BAY CITIES CREDIT UNION

What we do
How does Bay Cities 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 Bay Cities Credit Union collect my personal information?	We collect your personal information, for example, when you Open an account Apply for a loan Make a wire transfer Give us your contact information Make a wire transfer Show your driver's license We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.
Why can't I limit sharing?	Federal law gives us 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 non affiliates 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.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies Bay Cities Credit Union has no affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Non-affiliates we share with can include insurance companies and mortgage lending companies.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Bay Cities Credit Union doesn't jointly market.

Other important information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with non-affiliates either for them to market to you or for joint marketing - without your authorization. For California Members. We will not share personal information with non-affiliates 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 non-affiliates either for them to market to you or for joint marketing - without your authorization. For Vermont Members/Customers. 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 non-affiliated 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.baycities.org or call 510-690-6100.

Other important information

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

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 non-affiliated 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.baycities.org or call 510-690-6100.