PRIV-MODEL

Rev. 4/2013

FACTS	WHAT DOES MUSKOGEE FEDERAL 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  Account transactions Payment history  Credit card or other debt Purchase history  Checking account information When you are no longer a 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 Muskogee Federal Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information	Does Muskogee Federal Credit Union 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	Yes	No
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 your creditworthiness	No	We don't share
For nonaffiliates to market to you	No	We don't share
Questions?	Call 918-683-3460 or go to www.mfcuonline.org

Privacy Model Disclosure VMP® Bankers Systems™

PRIV-MODEL 8/1/2010

Wolters Kluwer Financial Services © 2010

2012.1/5278 3695194-020 EPRV5278

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What We Do
How does Muskogee Federal		To protect your personal information from unauthorized access and use, we use
Credit Union protect my		security measures that comply with federal law. These measures include computer
personal information?		safeguards and secured files and buildings. We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.
How does Muskogee Federal		We collect your personal information, for example, when you
Credit Union collect my personal information?		Open an account  Make a wire transfer Apply for a loan  Show your driver's license Use your credit or debit card We also collect your personal information from 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 nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates		Companies related by common ownership or control. They can be financial and non-financial companies. Muskogee Federal Credit Union has no affiliates.
Nonaffiliates		Companies not related by common ownership or control. They can be financial and non-financial companies. Muskogee Federal Credit Union does not share with nonaffiliates so they can market to you.
Joint Marketing		A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include insurance companies, credit card companies, loan recapture programs and financial advisors.
Other Important Information
For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For California Members. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization. For Vermont Members. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates or for joint marketing about your creditworthiness without your authorization.