"We", "our", and "us" mean Union Fidelity Federal Credit Union when used in this notice.

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 have a continuing relationship by purchasing or holding financial products or services such as a:

• Share Account
• Loan Account
• Credit Card Account
• Self-directed Individual Retirement Account

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. If you share an account relationship 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.

Non-public personal information means information about you that we collect in connection with providing a financial product or service to you. Non-public 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 non-public personal information.

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

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:

• Name
• Address

You may opt out of the disclosure of the information listed above.

State Limitations
We will not share this information collected by our Texas offices, except name and address information. If you are a member of, or obtain financial services at or through, a Texas office you must opt out if you does not want us to share name and address information.

Types of Other Parties
We may disclose information about you to the following types of other parties:

• Insurance agents

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:

Future Disclosure to Other Parties
We also reserve the right to disclose information about you in the future with the following types of parties:

• Mortgage services

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 that party's information we have collected and for all information collected in conjunction with the product or service for all other joint 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 wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) on the Opt Out Notice that you received with this notice and returning it to us at the following.

Union Fidelity Federal Credit Union
1415 N. Loop West, Suite 110
Houston, Texas 77008

YOU HAVE THE RIGHT TO CHOOSE

In this notice, we have explained our policy about the disclosure of certain information.

Other parties. We have explained the kinds of information we may disclose to other parties. We have also explained the kinds of other parties with whom we may disclose the information. If you prefer that we do not disclose information to these other parties, you may opt out of those disclosures, that is, you may direct us not to make those disclosures (other than the disclosures permitted by law).

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 that party's information collected in conjunction with the product or service for all other joint 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 wish to opt out of the disclosure of your information, you may do so by checking the appropriate box(es) below and returning this form to us at the following.

Union Fidelity Federal Credit Union
1415 N. Loop West, Suite 110
Houston, Texas 77008