NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Allegacy Federal Credit Union, Allegacy Investment Group, Allegacy Services, LLC and Allegacy Realty, LLC.

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):
  • Share account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Automobile lease we service
  • Retail installment contract we hold and service
  • Self-directed Individual Retirement Account
  • Financial, investment, or economic advisory services
  • Mortgage brokerage 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 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.”

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 our affiliates
• 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 OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Account balances
  • Types of accounts

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.

Types Of Affiliates

We may disclose information about you to the following types of affiliates:

• Financial service providers, such as:
  • Companies that assist us in managing your accounts, such as: Allegacy Investment Groups broker-dealer, CUSO Financial Services, LP (CFS)
  • Companies that provide other services such as: the Credit Union Service Center Network and the CO-OP Network

Reasons For Disclosure

We may disclose information about you to our affiliates:

• To provide you with information about additional products and services.
• To evaluate our total relationship with you and our family of companies and give you the best price that relationship deserves.
• Upon member request or to facilitate brokerage transactions between the credit union and its broker-dealers.

Future Affiliate Disclosure

We also reserve the right to disclose the following additional information about you to our affiliates in the future:

Transaction and experience information from our account records:

• Information about your transactions with us, such as:
  • Account activity

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.

We may disclose this information with our current affiliates listed under the heading Types of Affiliates, as well as the following additional affiliates:

• Financial service providers, such as:
  • Insurance agents
  • Tax preparers
  • Trust service providers

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER MEMBERS

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

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or other forms, such as:
  • Name
  • Address

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

AL, AK, CA, ID and VT - We will not share this information about members who reside in Alabama, Alaska, California, Idaho or Vermont.
MA, MS and NJ - We will not share any information derived from share relationships with us about members who reside in Massachusetts, Mississippi or New Jersey. Nor will any branches or offices located in such states share this information with other parties.

Types of Businesses

We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
  • Insurance agents

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about additional products and services.

P.O. Box 26043
Winston-Salem
North Carolina
27114-6043

www.allegacyfcu.org

336.774.3400
800.782.4670

© 2000 Wolters Kluwer Financial Services — Bankers Systems™
Form PRIV-DISC-CU   2.1/3816