NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

"We", "our" and "us", when used in this notice, mean Retail Employees Credit Union.

This is our privacy notice to our Members. When we use the words "you" and "your" we mean the following types of Members:

• All of our consumer Members who have a continuing relationship by purchasing or holding financial products or services with us, such as:
  • Share account
  • Loan account
  • Credit card account
  • Automobile lease we service
  • Self-directed Individual Retirement Account where we act as custodian or trustee
  • All IRA accounts for which we act as custodian
• All former Members

We will tell you the sources for nonpublic personal information we collect on our Members. We will tell you what measures we take to secure that information.

We first define some terms:

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party".

THE INFORMATION THAT WE COLLECT

We collect information about you from the following sources:

• Information you gave us on applications or other forms
• Information about your transaction with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive through our Customer Identification Program

INFORMATION WE DO DISCLOSE ABOUT YOU

We do not disclose any information about you to anyone, except as permitted by law.

Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

THE CONFIDENTIALITY, SECURITY AND INTERGRITY OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES

Since we value our Member relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.

INFORMATION ABOUT FORMER MEMBERS

If you decide to close your account(s) or become an inactive Member, we will follow the privacy policies and practices as described in this notice.

---

Website Privacy Policy & Notices

Retail Employees Credit Union is committed to protecting the privacy of our Members. In general, you can visit us on the World Wide Web without disclosing to us who you are or revealing any information about yourself. There are several areas, however, that will collect certain information about you and we want you to know how we handle that information.

If you visit our website, Retail Employees Credit Union collects and stores information on the domain you use to access our website, the Internet address of the site from which you linked directly to the site, and the date and time of your visit. This information is used to measure the number of visitors to the various pages on our site to better serve our membership.

If you send an e-mail, Retail Employees Credit Union collects and stores personally-identifying information in order to process your e-mail, form or application. This information is not sold to any third parties. Due to the volume of e-mail activity, these messages are deleted after they are answered or completed.

If you visit a secure site, such as home banking, you will be asked for personal identification numbers which will give you access to the member only section of our website. This information enables Retail Employees Credit Union to regulate entry to the member only portions of our website and to measure member usage. Any identifying information gathered is not sold to third parties.

If you link to another site from any of our pages, you are leaving our site pages, and we cannot be held responsible for any information that may be gathered at a linked site. We make every effort however, to ensure that all linked sites follow similar privacy policies as ours to offer you maximum security and privacy.