COPPA – Form Instructions

1 COPPA form Instructions Complete the form , print and send it back to USECU. Upon receipt of the form , we will complete a Call Back Verification to complete the process. Documents can be returned to USECU by: Fax: 858-795-6034. Mail to: USE Credit Union Attn: Member Service Center 10120 Pacific Heights Blvd Suite 100. San Diego, CA 92121. Bring documents to one of our USECU branches. Children's Online Privacy Protection Act ( COPPA ). Parent/Guardian Authorization form In compliance with COPPA guidelines designed to protect minors, this form must be completed if online banking services are enabled for a membership where a minor under age 13 is an accountholder. Online banking is designed to facilitate banking transactions; however, certain personal information can be collected through that channel including physical address and email information.

2 Address information is protected under COPPA . While it is the intention of USE Credit Union to provide online banking access only to the parent or guardian on the membership, each membership is assigned a single sign on and may be assessable by the minor accountholder. In accordance with USE Credit Union's Privacy Policy and Online Security Policy (attached), information is not shared with unaffiliated third parties. All memberships are afforded the option to opt-out of information sharing with affiliates through the opt-out provided within the Privacy Policy. CHILD'S INFORMATION. Child's First Name Middle Last Child's Membership Number(s). By signing this form , I certify that I am the parent or legal guardian of the child listed above, have read and understand USE Credit Union's Online Security and Privacy Policy that accompany this form and consent to the collection and use of information collected about my child through online banking.

3 To maintain Online Banking access for my child's member number. I understand that I can revoke this authorization to maintain online banking access at any time by sending written notification to USE Credit Union, 10120 Pacific Heights Blvd., Suite 100, San Diego, CA 92121. Parent/Guardian Name (please print). Parent/Guardian Signature Date For Credit Union Use Only: Signature Verified by _____ (initials) Teller #_____ Date _____. Rev. Online Security Policy What we do to keep your information safe when you bank online. ENHANCED LOGIN SECURITY. What is Enhanced Login Security? Enhanced Login Security is superior security technology that protects your accounts from unauthorized access by strengthening the security of your online banking session. When you login to your online banking session you can have peace of mind.

4 Powered by the best-of breed technology, Enhanced Login Security protects against online fraud by providing an additional authentication factor' beyond your username and password used today through the use of a one-time access code. Enhanced Login Security will: Defend against identity theft and fraud Provide added security from any computer, wherever you are Provide a quick and easy one-time set up process When will I know that Enhanced Login Security is set for my accounts? You have been prompted, or will be if you are a first-time Online Banking user, to set up extra login security when you access your online banking session. You can set up how you want to receive a one- time passcode from the options that are available to you, then you're all set.

5 You can receive this one- time access code by: Phone Text message Email (after initial authentication). How will it affect my online banking experience? Once you set up your login security options the next time you login it will be business as usual, the rest of your online banking experience will remain exactly the same. For your convenience, after you successfully authenticate with your User ID, password and One-Time Passcode (OTP), you may enroll your computer for use in authentication. If you choose to enroll your computer, a special Browser Cookie will be present on the system, which will act in place of your phone for something you have in your possession. We recommend you ensure that your browser settings and any antivirus software you have do not delete your cookies (data files) so that you are not prompted to provide the One-Time Passcode (OTP) every time you log into Internet Banking.

6 Can I access my account from other computers at my home, my office or on the road? Enhanced Login Security identifies you as the true owner of your accounts by recognizing not only your password but your computer as well. If we don't recognize your computer you've logged in from a public computer or one you haven't used before, for example we'll ask you to select how you want to receive a unique one-time access code. You can receive this one-time access code by: Phone Text message Email You will then be asked to enter that code as an additional line of defense to prevent unauthorized access. With Enhanced Login Security, you'll be protected from whatever computer you're using, whether you're at home or on the go. Logging in from a Computer You Normally Use?

7 When you choose to enroll your computer as PRIVATE, a special Browser Cookie will be present on the system, which will act in place of your Login Security - One-Time Passcode (OTP). You will only need your User ID and password to access your account information. If you are still getting prompted to provide your Login Security, then please ensure that you have the following: Using one of the Recommended Operating Systems for Online Banking Using one of the Recommended Browsers for Online Banking Browser is not set to delete cookies Please follow the steps in listed in this help for your respective browser to determine if cookies are being deleted Any antivirus software is not set to delete cookies No viruses or malware on your computer No usage of a proxy server or web accelerator by your internet service provider If using a computer from work, verify that your office technical department is not automating deletion of cookies Logging in from a Computer You DO NOT Normally Use?

8 When you choose to list your computer as PUBLIC, you will need to provide your User ID, password and you will be prompted to provide your Login Security One-Time Passcode (OTP) each time you log into your account. We recommend this setting when logging in from a library or school computer. I am being prompted to enter the one-time passcode every time I login, even though I have indicated that the computer I'm using is "Private" and have selected to not be prompted for the code. YOU MUST HAVE COOKIES ENABLED IN YOUR BROWSER IN ORDER FOR ENHANCED LOGIN. SECURITY TO REMEMBER THAT YOU HAVE INDICATED THAT COMPUTER IS PRIVATE. PLEASE. REVIEW THE RECOMMENDED BROWSER SETTINGS AND MAKE SURE THE COOKIE SETTINGS. IN YOUR BROWSER ARE CORRECT. I don't have access to any of the three methods of retrieving the one-time passcode.

9 Can I still access Online Banking? Unfortunately, if you are using an unauthorized device and do not have access to your registred phone or your email account, you will not be able to access your Online Banking information. Ensuring that you have an email account that can be access via the Internet from anywhere (web mail) will ensure you at least have access to receiving the One-Time Passcode by email. I prefer not to use Enhanced Login Security to protect my Online Banking information. Is there a way for me to turn off this feature? No, Enhanced Login Security is MANDATORY for all Online Banking users beginning December 5, 2012. Can I change the phone number or email address that I have set-up for Enhanced Login Security? Yes. Access your phone and email settings under the My Profile link in Online Banking and all of the settings for this feature can be updated at any time.

10 Additionally, the computers storing your account information are not linked directly to the Internet. Instead, transactions you initiate online are received by our Online Banking Web servers, which then route your transaction through firewall servers. Firewall servers act as a traffic cop between segments of our Online Banking network used to store information, and the public Internet. While your requests are traveling between your computer and our servers, the privacy of communications is ensured via encryption. Encryption scrambles messages exchanged between your browser and our Online Banking server. When visiting Online Banking's sign-on page, your browser establishes a secure session with our server. The secure session is established using a protocol called Secure Socket Layer (SSL) Encryption.