PRIVACY POLICY FOR MEMBERS

At West Coast Federal Employees Credit Union, trust has always been the foundation of our relationship with our members. Because you trust us with your financial and other personal information, and we believe that all personal and financial information specific to you that you provide through any channel constitutes personal information, we are committed to respect your privacy and safeguard that information. In order to preserve that trust, Credit Union and its affiliates pledge to protect your privacy by following the practices outlined below. It is important for you to know that West Coast Federal Employees Credit Union does not sell member information.

This policy covers member information, which means personally identifiable information about a member or a member's current or former relationship with West Coast Federal Employees Credit Union. This policy is provided to you as required by the Federal Financial Privacy Law (Gramm-Leach-Bliley Act).*

For SITE SECURITY purposes and to ensure that this service remains available to all users, unauthorized attempts to upload information or change information on this service are strictly prohibited and may be punishable under the Computer Fraud and Abuse Act of 1986 and the National Information Infrastructure Protection Act.

*NCUA Rules and Regulations, 12 CFR Parts 716 and 741.

SECURITY OF INFORMATION IS A PRIORITY
Keeping financial information secure is one of our most important responsibilities. We value your trust and handle information about you with care. We limit access to member information to those employees who need to know that information in order to provide products and services to you or to maintain your account. Article XVI, Section 2 of the West Coast Federal Employees Credit Union by-laws requires its officers, directors, members of committees and employees to "hold in confidence all transactions of this credit union with its members and all information respecting their personal affairs."

In addition, we maintain physical, electronic and procedural safeguards to protect member information. We also continually assess new technology for protecting information and upgrade our systems when appropriate.

ACCURACY OF INFORMATION
We strive to keep your account records and personal information accurate, and will respond promptly when we are notified of the need for corrections. If you see any inaccuracy in your statements or in any other communications from us, please call us at 1-941-925-2890 or contact www.wcfecu.org, and we will promptly update or correct any erroneous information.

COLLECTING INFORMATION
West Coast Federal Employees Credit Union collects only relevant information about our members as allowed or required by law in order for us to conduct the Credit Union's business and service your accounts. We maintain strict security procedures to protect your information. Member information that we collect is categorized into the following types:

Information about your identity that we receive from you on your account applications and other forms. We may keep this information so that we can provide the products and services you request.
Information about your transactions and account experience with us.
Information from a consumer credit report
Information from other outside sources regarding employment, credit or other relationships with you or verifying representations made by you such as employment history, etc.

SHARING OF INFORMATION WITH COMPANIES THAT WORK WITH US
In order to conduct the business of the Credit Union, we may share your member information with companies that work with us to provide you products and services that you've requested or already have with us. We share the information needed to provide those products and services and to provide quality member service. Some of these companies may include financial service providers such as insurance companies and payment processing companies and nonfinancial companies such as check printing, statement processing and data processing companies.

West Coast Federal Employees Credit Union may also work closely to offer products and services to meet member needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and abide by the Credit Union's Privacy Policy and use the information only to provide those services prescribed by West Coast Federal Employees Credit Union.

DISCLOSING INFORMATION IN OTHER SITUATIONS
We may also disclose your personal financial information to credit bureaus and similar organizations as permitted by law and to comply with any court order or applicable laws or regulations and when you give us your written permission. This may include a disclosure in connection with a subpoena or similar legal process, a fraud investigation, recording of deeds and mortgages in public records or an audit or examination.

INFORMATION SHARING RESTRICTIONS
Other than the disclosures referenced above, West Coast Federal Employees Credit Union will not release, share or sell your nonpublic personal information to any unaffiliated third parties.

HOW YOU CAN HELP PROTECT YOUR PRIVACY
Your Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

Protect your account numbers, plastic card numbers, PINs or passwords. Never keep your PIN with your card which can provide free access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security numbers or other personal information to other persons. If someone calls explaining the call is on behalf of the Credit Union and asks for your account number, you should beware. Official Credit Union staff will have access to your information and will not need to ask for it.
Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

KEEPING UP-TO-DATE WITH OUR PRIVACY POLICY
West Coast Federal Employees Credit Union will provide our privacy notice to all members annually. This policy may change from time to time, but you will always be able to view our current policy at our web site at www.wcfecu.org or contact us for a copy at 1-800-999-5887.

REDUCING DIRECT MARKETING FROM OTHER COMPANIES
If you would like to reduce the amount of advertising you receive from companies other than West Coast Federal Employees Credit Union, you can write to the following agency:

For advertising received via telephone:
Telephone Preference Service
c/o Direct Marketing Association
P.O. Box 9014
Farmingdale, NY 11735-9014

Be sure to include complete information about each name, address and telephone number you would like excluded from these lists. If you have moved within the past year, remember to include your old address and phone number. The same is true for name changes and the addresses and phone numbers associated with each name.

If you would like to have your name taken off all pre-approved credit solicitations, you can write to the following credit reporting bureaus or call 1-888-5OPTOUT (888-567-8688). Be sure to include your full name, current address, social security number and telephone number.

Experian
Consumer Opt-Out
901 West Bond
Lincoln, NE 68521

Equifax, Inc.
Options
P.O. Box 740123
Atlanta, GA 30374-0123

Trans Union Corporation
Name Removal Option
P.O. Box 97328
Jackson, MS 39288-7328

Notice of Privacy Practices For Credit Union Members

FACTS

WHAT DOES West Coast Federal Employees Credit Union (WCFECU) 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 income

account balances and transaction/payment history

credit history and credit scores

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 WCFECU chooses to share; and whether you can limit this sharing.

Reasons we can share your information	Does WCFECU 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 product and services to you	NO	NO
For joint marketing with other financial companies	NO	NO
For our affiliates’ everyday business purposes - information about your transactions and experiences	NO	NO
For our affiliates’ everyday business purposes - information about your creditworthiness	NO	We Don't Share
For non-affiliates to market to you	YES	YES

To limit our sharing	• Call 941-925-2890 OR • Mail your request to Member Services P.O. Box 17185 Sarasota, Florida 34276-0185 Please note: If you are a new member, we can begin sharing your information 1 day from the date we give/sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.
Questions?	Call 941-925-2890

Who we are
Who is providing this notice?	West Coast Federal Employees Credit Union (WCFECU)

What we do
How does WCFECU 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.
How does WCFECU collect my personal information?	We collect your personal information, for example, Information we received from you on applications and other forms; Information about your transactions with us or others; Information obtained when verifying the information you provide, such as from current or past employers or other institutions where you conduct transactions; Information from your debit or credit card transactions, etc.
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 nonaffiliates to market to you State laws and individual companies may give you additional rights limit sharing.
What happens when I limit sharing for an account I hold jointly with someone else?	The information is not shared, whether the decline is given by the member or the joint owner.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. WCFECU does not have any affiliates
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. WCFECU shares with the following groups to provide additional services to you: CUNA Mutual Group, and FIS Card Services
Joint Marketing	A formal agreement between nonaffiliated financial companies that market financial products or services to you.

Other important information

You can help by following these simple guidelines:

Protect your account number, card numbers, PINs (personal identification numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
Use caution when disclosing your account numbers, social security numbers, etc., to other persons. If someone calls you, explains the call is on behalf of the credit union and asks for your account number, you should beware! Official credit union staff will have access to your information and will not need to ask you for it.
Keep your information current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

If you would like to opt-out, please let us know in person or by calling us at (941) 925-2890. We will need your account number(s) in order to process your opt-out request. If you have any questions regarding this notice, please call us at (941) 925-2890 - we are here to serve you.