FACTS

WHAT DOES PANHANDLE FEDERAL 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 what we do.

What?

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

• Social Security number and transaction or loss history

• Account balances, payment history and overdraft history

• Checking account information and credit scores

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

Reasons we can share your personal information

Does Panhandle Federal Credit Union share?

Can you 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

For our marketing purposes –to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We do not share

For our affiliates’ everyday business purposes – information about your transactions and experiences

Yes

No

For our affiliates’ everyday business purposes – information about your credit worthiness

No

We do not share

For our affiliates to market to you

No

We do not share

For nonaffiliates to market to you

No

We do not share

Questions?

Call (815) 429-3337 or go to www.panhandlefcu.com

Who we are

Who is providing this notice?

Panhandle Federal Credit Union

What we do

How does Panhandle Federal 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 Panhandle Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or make deposits or withdrawals from your account

• make a wire transfer or apply for a loan

• Give us your contact 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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

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

• Panhandle Federal Credit Union does not sahre with our affiliates. .

Non-affiliates

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

• Check printers, government agencies and data processors, financial statement printers, plastic card processors, mortgage service companies and consumer reporting agencies.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• CUNA Mutual Group