1867019 317779 PRIV-DISC

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS

We are required by law to provide you the privacy notice that follows. But first we want to tell you in plain English how carefully we protect your privacy.

We do share information about you with outsiders but only as absolutely necessary to do our and your business or as required by law.

We share information for three purposes and three purposes only:

As necessary to complete your transactions.

As necessary to conduct MCCU operations.

To enable an outsider, such as a mail house, to provide you information about our services and products.

We do not permit outsiders to sell or give your information to others.

We do not sell your information to anyone.

Now here is the legal talk. Please feel free to call us if you have any questions.

We, our, and us mean Members Choice Credit Union.

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

Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
- Share account
- Loan account
- Credit card account
- Safe deposit box
- Automobile lease we service
- Mortgage brokerage services

We will tell you the sources of the information we collect about you. 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 WE COLLECT

We collect information about you from the following sources:

Information you give us on applications or other forms
Information about your transactions with us
Information about your transactions with other parties
Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
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.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted or required by law.

INFORMATION ABOUT FORMER MEMBERS

We do not disclose information about former members, except as permitted or required by law.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

Information you give us on an application or other forms, such as:
- Name
- Address

We disclose the information listed above with companies that perform marketing services on our behalf. We may also disclose information about you to other outside marketing services as permitted or required by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for our outside marketing purposes:

Service providers that perform marketing services for us, such as:
- Direct mail marketers

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services offered by the credit union.

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:

We only allow direct mail from Members Choice Credit Union.

MEMBERS CHOICE
CREDIT UNION
14960 PARK ROW
HOUSTON, TEXAS 77084

MEMBER NCUA