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Your choice to do business with the Family Advantage Federal Credit Union is an important decision. We take our obligation to keep information about you and your accounts secure and confidential very seriously. Your privacy is our top priority. This notices describes how we protect the privacy of your personal information. Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.

As a member of our credit union, you also have a responsibility to safeguard your financial information.

Information We Collect & Disclose to Others

We collect nonpublic information about you from some or all of the following sources:

• Applications and other forms you submit to our affiliates or us.
• Information about your transactions with us or others.
• Information about your transactions with government agencies.
• Information we receive from consumer reporting agencies.

We may disclose all the information that we collect, as described above.

Parties to Whom We Disclose the Information

We may disclose information about you to the following types of third parties:

• Financial service providers, such as those that provide mortgage services and insurance companies.
• Non-financial companies, such as consumer reporting agencies or statement rendering.
• Our affiliates such as CUNA Mutual Insurance or Life Flight as permitted by law.

We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. To protect our member's privacy, 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 member information. Furthermore, we do NOT sell member mailing lists.

In order to conduct the business of the Credit Union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Family Advantage Federal Credit Union or become an inactive member, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information.

What You Can Do To Help

While we are committed to protecting your privacy, you can also help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit/ATM card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you representing himself as a credit union employee and asks for your account number, beware. Credit Union employees will have access to your information and will not need to ask for it if we initiated the call.
• It is important that we have current information on how to reach you. If we detect fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know immediately.
• Please call us if you have questions concerning activity on your account(s).