We, our, and us, when used in this notice, mean Veridian Credit Union.

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:
  • Share account
  • Loan account
  • Credit card account
  • Safe deposit box
  • Retail installment contract we hold and service
  • 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 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."

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

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.
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.
We do not disclose information about former members, except as permitted by law.
We may disclose all of the information we collect, as described above, to companies that perform marketing services on our behalf with whom we have joint marketing agreements.
AL, AK, ID, and VT - We will not share this information about members who reside in Alabama, Alaska, Idaho, or Vermont.

MA, MS, and NJ - We will not share any information derived from share relationships with us about member who reside in Massachusetts, Mississippi, or New Jersey.

Here are the businesses with whom we may disclose nonpublic personal information under this section.

Financial service providers, such as:

• First Community Trust, N.A.
• Members Financial Services offered through CUNA Brokerage Services, Inc.
• Veridian insurance

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  C 2000 Bankers Systems, Inc., St. Cloud, MN
187467-020 Form PRIV-DISC-CU  9/4/2001 Custom 2.0/1548