CitizensFirst Credit Union

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FACTS	What does CitizensFirst 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 Number and account transactions credit card or other debt and credit history transaction history and transaction or loss history When you are no longer our member, we continue to share your information as described in this notice.
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 that CitizensFirst choose to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does CitizensFirst share?	Can you limit this 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	No
For joint marketing with other financial companies	No	We don't share
For our affiliates' everyday business purposes - information about your transactions and experiences	No	We don't share
For our affiliates' everyday business purposes - information about you creditworthiness	No	We don't share
For our non-affiliates' to market to you	No	We don't share

Questions?

Call toll-free 1-800-448-9228

What do we do?

How does CitizensFirst 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.
How does CitizensFirst collect my personal information?	We collect your personal information, for example, when you open an account or show your government-issued ID apply for financing or provide account information show us your driver's license We also collect your personal information for others, such as credit bureaus, affiliates or other companies.
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 non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. CitizensFirst Credit Union has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. CitizensFirst Credit Union does not share with our nonaffiliates so they can market to you.
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. CitizensFirst Credit Union doesn't jointly market.

Protecting Children

CitizensFirst Credit Union recognizes that protecting children's identities and privacy online is important and that the responsibility rests with both the online industry and the parents. The Credit Union does not collect any personal information on children through its website, but does offer online links through the website to various child-oriented sites. We encourage parents and guardians to monitor children under 13 when the children are online and to participate in any interactive activities offered on the website. Please be advised that any site-collecting information from children under the age of 13 must conform to the Children's Online Privacy Protection Act of 1998 (COPPA). Please visit the privacy link on the student site for more information.