Embers Credit Union

Embers Credit Union Member Welcome Guide

Embers Credit Union Merger Booklet

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7 Page 2 Who we are Who is providing this notice? Embers Credit Union What we do How does Embers 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. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. How does Embers Credit Union collect my personal information? We collect your personal information, for example, when you • Open an Account or Give us your employment history • Apply for a loan or Give us your contact information • Give us your income information We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. 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 nonaffiliates 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 nonfinancial companies. • Embers Credit Union has no affiliates. Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. • Embers Credit Union does not share with nonaffiliates so they can market to you. Joint marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you. • Our joint marketing partners include: Mortgage Companies, Insurance Companies, Cuna Mutual, Members Financial Services. Other important information For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing-without your authorization. For California Members. We will not share personal information with nonaffiliates 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 nonaffiliates either for them to market to you or for joint marketing-without your authorization. For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.

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