Privacy Statement

Peoples Federal Credit Union, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union. If after reading this notice you have questions, please contact us at (877) 888-9510.

INFORMATION WE COLLECT ABOUT YOU

We collect nonpublic personal information about you from the following sources:

• - Information we receive from you on applications and other forms
• - Information about your transactions with us
• - Information we receive from a consumer reporting agency
• - Information obtained when verifying the information you provide on an application or other forms; this may be
  obtained from your current or past employers, or from other institutions where you conduct financial transactions

We may disclose all of the information we collect, as described above, as permitted by law.

PARTIES WHO RECEIVE INFORMATION FROM US
We may disclose nonpublic personal information about you to the following types of third parties:

-

broker-dealers

-

financial statement publishers/printers, plastic card processors, government agencies and mailhouses

DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services.

We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

HOW TO OPT OUT OR STOP CERTAIN DISCLOSURES ABOUT YOU

If you prefer that we do not disclose nonpublic personal information about you to nonaffiliated third parties, you may opt out of those disclosures - you may direct us not to make those disclosures (other than disclosures permitted bylaw). If you wish to opt out of the disclosures to nonaffiliated third parties, please contact us at (877) 888-9510.

You may opt out of these disclosures at any time. This opt out, by law, will not apply to disclosures that are legally permitted, disclosures to other financial institutions that have joint marketing agreements with us, disclosures we make to companies that perform services on our behalf, or companies that process or service transactions you request or authorize. Once we receive your request, we have a reasonable amount of time to stop the disclosures. You may always contact us for assistance if you wish to later revoke your opt out election.

Note to joint account holders:

has/have obtained a financial product from us, the nonmember(s) is/are eligible to exercise the right to opt out. If any one of you exercises the right to opt out, we will treat it as if all of you directed us not to make disclosures to nonaffiliated third parties (except those that are permitted by law). If you and someone else (or others) who is/are not member(s) of our credit union

12XXXXXXXXXXXXXXXXXXXXXXXXXXXXX

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS

If you terminate your membership with Peoples Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

HOW WE PROTECT YOUR INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

WHAT MEMBERS CAN DO TO HELP

Peoples Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• - Protect your account numbers, plastic card numbers, personal identification numbers (PINs) or passwords. Never keep your PIN with your card. The PIN can provide free access to your accounts if your card is lost or stolen.
• - Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone
  calls you explaining the call is on behalf of the credit union and asks for your account number, you should beware.
  Official credit union staff will have access to your information and will not need to ask for it.

• - Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

CUNA Mutual Group, 2008, ALL RIGHTS RESERVED

Member Number

OPT Out Response Form

Member Name: ________________________________________________

(please print)

Member Daytime Telephone Number: ______________________________

I have read the Privacy Notice Disclosure provided by the credit union, and would like to exercise my right

to opt out of the following:

Nonpublic Personal Information

NOTE:

Please opt me out from the following accounts:

All accounts on which I am listed; or

List specific accounts

Account #_______________________ Account #_______________________

Account #_______________________ Account #_______________________

Account #_______________________ Account #_______________________

Member Signature Date

Please return completed form to the address below,

Peoples Federal Credit Union

419 1st Avenue South

Nitro, WV 25143