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 than information.

Terms

Nonpublic personal information means information about you 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.

THE INFORMATION THAT WE COLLECT

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications or others forms
• Information about your transactions with us
• Information about your transactions with nonaffiliates third parties
• Information from a consumer reporting agency

INFORMATION WE DISCLOSE ABOUT YOU

We do NOT disclose any nonpublic information about you to anyone, except as permitted by law.

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

We restrict access 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 FORMER MEMBERS

We do not disclose nonpublic personal information about former members, except as permitted by law.

NOTIFICATION THAT NEGATIVE INFORMATION WILL BE OR HAS BEEN SENT TO CREDIT BUREAUS. ANY FINANCIAL INSTITUTION THAT SUBMITS NEGATIVE INFORMATION TO NATIONAL CREDIT REPORTING AGENCIES MUST GIVE CONSUMERS ONE-TIME WRITTEN NOTICE THAT THEY HAVE DONE SO OR WILL DO SO.

THIS MEANS THAT THE JFCU WILL REPORT NEGATIVE INFORMATION REGARDING YOUR ACCOUNT IF SUCH NEGATIVE INFORMATION BECOMES RELEVANT TO YOUR ACCOUNT(S).