FACTS

WHAT DOES FRSA CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand FRSA Credit Union’s Privacy Policy.

At FRSA Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by FRSACU. This notice explains what types of member information we collect and under what circumstances we may share it.

What?

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

• Social Security Number

• Account balances and transaction history

• Payment history and credit history

When you are no longer our member, we continue to share your information as described in this notice.

How?

All financial companies need to share members' information to run their everyday business. In the section below, we list reasons financial companies can share their members' personal information; the reasons FRSA Credit Union chooses to share; and whether you can limit this sharing.

For our everyday business purposes -

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

YES

NO

To limit our sharing

Questions?

Who we are

Who is providing this notice?

FRSA Credit Union

What we do

How does FRSA 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 restrict access to nonpublic personal information about you to those employees and volunteers who need to know the information to provide products or services to you.

How does FRSA Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or apply for a loan

• apply for any credit union service

• You visit our website; provide us information on any online application or transaction, or information you send to us by email.

• use your credit or debit card or pay your bills

• make deposits to or withdrawals from your accounts

We also collect your personal information from others, including credit bureaus, non-affiliates and 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 limit sharing.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• FRSA Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• The non-affiliates FRSA Credit Union shares with can include insurance companies, direct marketing companies and non-profit organizations

Joint Marketing

A formal agreement between FRSACU and a nonaffiliated financial company where we jointly market financial products or services to you.

• FRSA Credit Union marketing partners include Affinion Group and CUNA Mutual Group, FIS, and Route 66.