Privacy Policy

What does lAKE cITY fEDERAL bANK, A BRANCH OF FORWARD BANK, (LCFB) do with your personal information?

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.

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 and driver’s license number
• Transaction history and loan payment history
• Credit information and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share customer's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customer's personal information; the reasons Lake City Federal Bank chooses to share; and whether you can 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 to report to credit bureaus

Yes

No

For our marketing purposes-
to offer our products and services to you

No

We don't share

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

No

We don't share

Call (866) 345-3373 or go to www.lcfederal.com

How does Lake City Federal Bank 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 Lake City Federal Bank collect my personal information?

We collect your personal information, for example, when you

• open an account or request a loan
• conduct transactions or use your debit/ATM card
• request a wire transfer

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 non-affiliates to market to you

State law and individual companies may give you additional rights to limit sharing.

Affiliates

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

• Our affiliates include others, such as Forward Investment Services and Forward Insurance.  LCFB does not share with our affiliates.

Nonaffiliates

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

• LCFB does not share with non-affiliates so they can market to you.

Joint Marketing

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

• LCFB does not jointly market