Our Privacy Pledge. At Power Financial Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by the Credit Union and explains what types of member information we collect and under what circumstances we may share it.

Member Information We Collect. The Credit Union collects only relevant information about members in order to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal information about you which is "nonpublic." The nonpublic personal information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:

Application Information. We retain personal information we receive from you on any application you provide for a deposit account, EFT service, credit cards, consumer and real estate loans, financial planning, securities brokerage, insurance and other Credit Union services. Application information includes: name, address, social security number, birth date, phone number, employment, financial status and credit history.

Your Transactions. Any time you make a transaction on one of your accounts, including ATM or credit card transactions, financial products and services, loan advances, transactions through home banking/bill payment, over the phone or at a branch, we retain the transaction information. This includes: your account number, the date, amount, type, and location of the transaction.

Credit Reports. When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you, and we may use it to evaluate future account service requests.

Online.We obtain information online when you visit our website, www.powerfi.org. We may gather information about which pages of our site our visitors browse. This enables us to track how a visitor navigates through the site areas in which they show interest. We gather information such as number of hits to the site, page visits, and length of user sessions. This is similar to a traffic report: it tracks trends and behaviors of members in general, but does not identify individuals in particular. We use this information to better serve you and it helps keep our site relevant and useful by helping us understand what information users want. Also, we may retain information you provide us on any online application, Home Banking/Bill Payment transaction or information you send to us by email.

Our Use of Cookies. Cookies are small text files assigned and attached by a Web server to the directory file on your PC. Cookies help websites recognize return visitors. So, when you return to a website that you have visited before, your browser gives this data back to the server. Power Financial uses cookies to make your online experience easier and more personalized. We use cookies in the following way: Internet Banking places a cookie on your PC when you log in. It is a temporary cookie that holds a unique number that identifies you only to our server. It holds no personal information, but is used to authenticate your Home Banking/Bill Payment access. Various pages on our web site also place cookies on your PC when you visit those pages. The purpose of those cookies is to track activity and usage patterns on the site. These cookies are not personally identifiable.

Our Confidentiality and Security Safeguards. We maintain strict policies and security controls to assure that your nonpublic personal information in our computer systems and files is protected.

Employee Access. Credit Union employees do have access to your information in order to provide service to you. However, our employees' access is restricted to their need to know such information or as necessary to conduct a transaction or respond to your inquiries. All employees are trained to respect member privacy. No one except our employees has access to the Credit Union computer system and records storage.

Security Safeguards. The Credit Union has established security controls and procedures to safeguard the information you provide us and the information we collect about you. The application information we accept online and through our Home Banking/Bill Payment service relies on industry standard "Secure Sockets Layer" (SSL) encryption to service your transaction information and communication.

Our Sharing of Member Information. In order to provide financial services to you, we share certain information about you with our affiliates and third party service providers. However, we limit any information sharing to the extent necessary to service your account. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if required to enforce or administer an account or as required by law.

Sharing Information with Credit Union Affiliates. Our wholly owned subsidiaries may provide financial services, including alternative investment and insurance products. We may share the following information with our affiliates so they can serve you more efficiently:

• Member information (name, address, account number, etc.).
• Account information (type of accounts, account balances, transaction history).
• Because we maintain management control over our affiliate(s), you can expect our affiliate(s) to maintain the same privacy standards as Power Financial Credit Union.

Sharing Information with Third Party Service Providers. In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including the following: data processing companies, check suppliers, ATM and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, and service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the information we provide to them confidential. We share the following categories of information with third party service providers depending on the specific services provided:

• Member information (name, address, account number, etc.).
• Account information (type of accounts, account balances, transaction history).
• Transaction information (dates, amounts, locations and type of transaction).

The Credit Union does not sell member information, including account numbers to nonaffiliated third party marketers offering their products and services. While we may offer financial products and services of our affiliate(s) or third parties, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted. We may share any nonpublic personal information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Protecting Children's Information Privacy. The online financial services offered through the Credit Union's website are not designed for, or directed toward children. We do not knowingly solicit or collect data from children and we do not knowingly market to children online. We recognize that protecting children's identities and online privacy is important and that responsibility rests with us and with parents.

Power Financial Credit Union members and the public may receive copies of this notice of our privacy practices by contacting us directly at 800.548.5465 or email us at listening@powerfi.org.