NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our privacy notice for 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 with us, such as:

• Deposit account
• Loan account
• Credit card

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.

We, Our and Us means Sperry Associates Federal Credit Union.

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.

An Affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

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

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access to nonpublic personal 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 that comply with federal regulations to guard your nonpublic personal information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and source of that information. Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Account balances
  • Account activity
  • Types of accounts
  • Parties to the transaction
  • Credit card usage
  • Payment history
  • Deposit history
  • Policy coverage
  • Premiums

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types Of Affiliates

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

Financial service providers, such as:

• Insurance agents and Annuity Sales

Reasons for Disclosure

We may disclose information about you to our affiliates to provide you with information about additional products and services.

Limitations On Disclosure

Here are the limits we impose on the use of information disclosed to affiliates:

• We do not sell 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.

NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS

We do not disclose nonpublic personal information about former members.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements.

Nonpublic personal information we receive from you on an application or other forms, such as:

• Name
• Address
• Social Security Number

Nonpublic personal information about your transactions with us, such as:

• Types of accounts

Federal law allows us to disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information. We may disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information under this section.

Financial service providers, such as:

• Insurance agents

Businesses offering non financial products, such as:

• Publishers