FACTS

WHAT DOES ALABAMA RIVER 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 of the 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 income

• account balances and payment history

• credit history 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’ information to run their everyday business.

In the section below, we list reasons financial companies can share their customers’ personal

information; the reasons ALABAMA RIVER CREDIT UNION chooses to share; and whether you can limit this sharing.

Reasons we can share your information

Does ALABAMA

RIVER CU share?

Can you limit this sharing?

For our everyday business purposes –

Such as to process 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 product and services to you

YES

NO

For joint marketing with other financial companies

NO

For our affiliates’ everyday business purposes –

information about your transactions and experiences

NO

For our affiliates’ everyday business purposes –

information about your creditworthiness

NO

For our affiliates’ to market to you

NO

For non-affiliates’ to market to you

YES

YES

Questions?

Call 251-575-2921

Who we are

Who is providing this notice?

ALABAMA RIVER CREDIT UNION

What we do

How does ALABAMA RIVER 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 with the SOPHAS Firewall

Protection, Blue-Voyant Protection, Secured Files and Building.

How does ALABAMA RIVER CREDIT

UNION collect my personal information?

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 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 you

• Sharing for non-affiliates to market 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 non-financial companies.

• None

Non-affiliates

Companies not related by common ownership control. They can be financial and non-financial companies.

• CUNA Mutual Group, Tru-Stage Insurance, CMFG Insurance, Equifax, TransUnion, Evans, Simpson & Associates, FIS, Fiserv, LKCS Statement Printers, MainStreet Check Printers

Joint Marketing

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

• None

Other important information

Alabama River Credit Union may report information about your account to credit bureaus.

Late payments, missed payments or other defaults on your account may be reflected in your credit report.