Information is an important part of our business, and we understand the importance of the personal information you entrust to us. The following is the privacy statement of Members 1st Federal Credit Union. This includes how we collect, use and safeguard your personal financial information. We are required by law to provide this notice, and we gladly do so.

Types of Personal Information We Collect and Share

The types of nonpublic personal information we collect and share depends on the product or service you have with us. This information can include:

• Social Security number and income
• Account balances and payment history
• Credit history and credit scores

How We Collect Information

There are several ways we collect non-public information about you:

• Applications or other forms for services you request from us;
• Transactions with us or others;
• Consumer reporting agency

How We Share Information

We are permitted by law to share your nonpublic information under the following circumstances:

1. For our everyday business purposes, with outside companies or non-affiliated third parties that participate with us in supplying products and services to members, such as check printers, with credit bureaus and with government entities in responding to subpoenas and other legal processes;
2. You specifically authorize us to share your information;
3. To process a transaction you request;
4. To prevent actual or potential fraud, unauthorized transactions, claims or other liabilities;
5. To protect the integrity and security of your records;
6. To comply with federal, state, or local laws, rules, regulations, and other applicable legal requirements;
7. For our marketing purposes to offer products and services to you. This includes situations where we have entered into agreements with other companies to perform mailing and distribution services. In these situations we require the companies to agree to treat and maintain the privacy of your information with at least the same degree of confidentiality that we employ; and
8. To other companies as joint marketers of financial services that we believe may be of benefit to you. These non-affiliated third party companies are not permitted to use our member information for any purposes other than the services intended. We will share your information with these companies only if they agree to treat it confidentially.

Our Security Measures

Internally, we restrict access to nonpublic personal information about you to those employees who have specific business purposes for using it. Our employees are trained on the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

"OPT OUT" PROVISION

At any time, you can contact us to prevent your information from being shared. You can mail your request for a non-solicitation form to Members 1st FCU, Attention TeleBranch, P. O. Box 40, Mechanicsburg, PA 17055 or email us at AccountInquiries@members1st.org and include your full name and address. Before opting out, please consider that by opting out you may be missing out on a chance to learn about some great opportunities regarding benefits of membership and increasing the value you receive from Members 1st Federal Credit Union.