NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Pine Federal 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:
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 will also tell you what information we share with other entities. We
will explain what your rights are, and how you can exercise them. If you
share your account relationship with someone else, for example where you are a co-borrower or joint holder of a share draft account, we suggest that you share this information with each other to ensure that each of you are
aware of our policy and your options.

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.
An affiliate is a company we own or control.
A nonaffiliated third party is a company that is not an affiliate of ours.
Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice. 

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 nonaffiliated third parties
Information from a consumer reporting agency 

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION
We restrict accss 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.

NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES
We may disclose nonpublic personal information to nonaffiliated third parties. Here are the kinds of nonpublic personal information we disclose to nonaffiliated third parties:
Nonpublic personal information we receive from you on an application or other forms, such as
Name
Address
Social security number
Assets
Income
Nonpublic personal information about your transactions with us, such as
Account balances
Account activity
Types of accounts
Payment history
Nonpublic personal information about your transactions with nonaffiliated third parties, such as
Account balances
Types of accounts
Payment history
Nonpublic personal information we receive from a credit reporting agency, such as
Creditworthiness
Credit history

You may opt out of the disclosure of the information listed above.
Exceptions:
We do not share this information about members who reside in Alabama, Alaska, Idaho, North Dakota, or Vermont. Members who reside in these states do not need to opt out.

We do not share any information derived from deposit (share) relationships with us about members who reside in Massachusetts, Mississippi, or New Jersey. If you only have a deposit relationship with us and you reside in one of these states, you do not need to opt out. If you have a loan or other nondeposit member relationship, and you do not want us to share this information about you, you should send us the opt out form.

The only information we share about our members from Tennessee is name and address. If you live in Tennessee and you do not want us to disclose your name and address as mentioned, you should send us the opt out form.
Types of Nonaffiliated Third Parties
We may disclose nonpublic personal information about you to the following types of nonaffiliated third parties:
Financial service providers, such as
Insurance agents

Reasons for Disclosing
Here is why we may disclose nonpublic personal information about you to nonaffiliated third parties:
To provide our members with information about additional products and services

Limitations on Disclosure
Here are the limitations we impose on the use of nonpublic personal information disclosed to nonaffiliated third parties:
We only allow direct mail solicitations.

We do not allow telephone solicitations.

NONPUBLIC PERSONAL INFORMATION AND OTHER PARTIES
We do not disclose your nonpublic personal information to anyone, except as permitted by law or as disclosed in this disclosure.

NONPUBLIC PERSONAL INFORMATION AND FORMER MEMBERS
We do not disclose nonpublic personal information about former members, except as permitted by law.

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR NONPUBLIC PERSONAL INFORMATION
Nonaffiliated Third Parties. If you do not want us to share your nonpublic personal information with nonaffiliated third parties, you can block the release of certain nonpublic personal information. This is known as your right to "opt out."

Your decision to block the disclosure of your nonpublic personal information will apply to all products and services you receive from us.

If you have one or more joint accounts, an opt out instruction given by one participant of such an account will affect all of the accounts of the person who opts out and all information from those accounts about others who participate in those accounts.

If you wish to opt out of disclosures, you may do so by contacting us at the following address and requesting an Opt Out Notice.

Pine Federal Credit Union
5100 Jefferson Parkway
Pine Bluff, AR 71602