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    FACTS        WHAT DOES EIGHT FEDERAL CREDIT UNION
                        DO WITH YOUR PERSONAL INFORMATION?
     
                        Financial companies choose how they share your person information. Federal law gives
    WHY?          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.
     
                        The types of personal information we collect and share depend on the product or
                        service you have with us. This information can include:
    WHAT?                -    Social security number and income
                                 -   Account balances and payment history
                                 -    Transaction and loss history and credit history
                        When you are no longer our customer, we continue to share your information as
                        described in this notice.
     
                        All financial companies need to share members’ personal information to run their everyday
    HOW?         business. In the section below, we list the reasons financial companies can
                        share their members’ personal information; the reasons Eight Federal Credit Union
                        chooses to share; and whether you can limit this sharing.
     
    Reasons we can share your                          Does EFCU share?     Can you limit this Sharing?                         
             personal information
                                   
    For our everyday business purposes –                         Yes                               No
    such as to process your transactions,
    maintain your account(s), respond to court
    orders and legal investigations, or report to
    credit bureaus
     
    For our marketing purposes –                                        Yes                               No
    to offer products and services to you
     
    For joint marketing with other financial                           Yes                               No
    companies
     
    For our affiliates’ everyday business purposes –           No                       We don’t share
    information about your transactions and experiences
     
    For our affiliates’ everyday business purposes –           No                       We don’t share
    information about your creditworthiness
     
    For nonaffiliates’ to market to you                                    No                       We don’t share
     
    Who is providing this notice?                                      Eight Federal Credit Union
     
    How does EFCU protect my personal                          To protect your personal information from
    information?                                                                unauthorized access and use, we use security
                                                                                        measures that comply with federal law. These
                                                                                        measures include computer safeguards and
                                                                                        secured files and buildings.
     
    How does EFCU collect my personal                           We collect your personal information,
                                                                                        for example, when you
                                                                                                   -  Open an account or deposit money
                                                                                                   -  Pay your bills or apply for a loan
                                                                                                   -  Use your credit or debit card
                                                                                         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
        credit worthiness
                                                                                                   -  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.
     
    Eight Federal Credit Union has no affiliates
     
    Nonaffiliates                                                                 Companies not related by common ownership or
                                                                                         control. They can be financial and nonfinancial
                                                                                         companies.
     
                                                                                                   We disclose to nonaffiliated companies
                                                                                                   only for  our everyday  business purposes,
                                                                                                   such as to  process transactions, maintain
                                                                                                   accounts, respond to court orders and
                                                                                                   legal investigations,or report to credit
                                                                                                   bureaus, or as permitted by law
    Joint marketing                                                             A formal agreement between nonaffiliated financial
                                                                                         companies that together market financial products or
                                                                                         services to you.
     
                                                                                                   Our joint marketing partners include
                                                             insurance companies
     
    Questions?   Call 419-666-7334



            

            

     
     
     

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