This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

All of our consumer members who have a continuing relationship with us, such as:

• Deposit account
• Loan account
• Credit card
• Automobile lease we service
• Retail installment contract we hold and service
• Self-directed Individual Retirement Account where we act as custodian or trustee

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.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that is not an affiliate of ours.

We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Federal law allows us to disclose the information listed above with the companies that perform marketing services on our behalf. You do not have the right to opt out of the disclosure of this information.

Transaction and experience information from our account records:

• Name
• Address
• Loan account balances
• Loan account activity
• Types of accounts
• Credit card usage
• Payment history
• Parties to the transaction

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.