Fairfield Federal Credit Union

We, our, and us, when us in this notice, mean Fairfield 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:
• Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):

o Share account
o Loan account
o Safe deposit box
o Financial, investment, or economic advisory services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We will tell you what information we share about you with other entities. We will explain what your rights are and how you can exercise them. I f you share an account relationships with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is 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. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours.

This is also known as nonaffiliated third party, or simply, an "other party."

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 We Collect
We collect information about you from the following sources:
• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying member information

The Confidentiality, Security, and Integrity of your Information
We restrict access to 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 to protect this information.

Your Information and Other Parties
We may disclose information to other parties. Here are the kinds of information we disclose to these other parties:
• Information you give us on an application or other forms, such as:
    o Name
    o Address
    o Social Security Number
    o Assets
    o Income
• Information about your transactions with us, such as:
    o Account balances
    o Account activity
    o Types of accounts
    o Payment history
• Information we receive from a credit reporting agency, such as:
o Creditworthiness
o Credit history

You may opt out of the disclosure information listed above.

State Limitations
We will not share this information about members who reside in the following state(s):
• Alabama
• California

We will not share any information derived from share relationships with us about members who reside in the following state(s):
• Massachusetts
• Mississippi

If you have a loan account or other member relationship in addition to a share account relationship, and you do not want us to share this information about you, you should opt out using a method described below.

Types of Other Parties
We may disclose information about you to the following types of parties:
• Financial service providers, such as:
    o Insurance agents
We may also disclose information about you to the following types of other parties as permitted by law.

Reasons For Disclosing
We may disclose information about you to other parties to provide you with information about additional products and services.

Limitations on Disclosure
Here are the limitations we impose on the use of information disclosed to other parties:
• We only allow direct mail solicitations.
• We do not allow telephone solicitations.

Information about Former Members
We do not disclose information about former members, except as permitted by law.

Your Right To Block the Disclosure of your Information
Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to "opt out." Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of the party's information we have collected and for all information collected in conjunction with the product or service for all other join parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service. If you previously sent us an opt out, then we will continue to apply your instruction to the information you asked us not to share. You do not need to return another opt out form.