Rev. 10/10
FACTS	WHAT DOES 49ER FEDERAL 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 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 Numbers and overdraft information
	§         account balances and consumer loan history
	§         credit history and wire transfer instructions
	§   Social Security number and overdraft information §   account balances and consumer loan history §   credit history and wire transfer instructions
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 49er Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information			Does 49er share?	Can you limit 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 products and services to you			Yes	Yes
For joint marketing with other financial companies			No	No Sharing
For our affiliates’ everyday business purposes—                information about your transactions and experiences			No	No Sharing
For our affiliates’ everyday business purposes—                information about your creditworthiness			No	No Sharing
For our affiliates to market to you			No	No Sharing
For nonaffiliates to market to you			Yes	Yes
To limit                                                                    our sharing	§ Call  49er FCU:  1 (800) 621-5878         or          Visit us online:  www.49erfcu.com        § Call CUNA Mutual Insurance:  1 (877) 636-2377 –may  take up to 90 days to stop mailings.
	Please note:
	If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our customer, 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 toll-free  1 (800) 621-5878                or                  Visit us online:  www.49erfcu.com
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Who we are
Who is providing this notice?		49er Federal Credit Union
What we do
How does 49er Federal 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 and secured files and buildings. We maintain procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic information.
How does 49er Federal Credit Union collect my personal information?		We collect your personal information, for example, when you:
		§   open an account or apply for a loan § make online payments or apply for a credit/debit card §   request wire transfers
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 to limit sharing.
What happens when I limit sharing  for an account I hold jointly with    someone else?		Both individuals' information is no longer shared with the affiliates of 49er Federal Credit Union. Either member may opt-out.
Definitions
Affiliates		Companies related by common ownership or control. They can be financial and nonfinancial companies.
		§ None
Nonaffiliates		Companies not related by common ownership or control. They can be financial and nonfinancial companies.
		§   CUNA Mutual Insurance
Joint Marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
		§  None
Other important information
Please do not share my personal and financial information with Nonaffiliates.    Check Here [_]
Name: _______________________________ Account Number: ______________________
Signature: X_______________________________        Date: _________________