Our Privacy Pledge
At Kitsap Credit Union, we respect the privacy of our members. We recognize the importance of maintaining the confidentiality of your personal financial information. This notice describes the privacy policy and practices followed by Kitsap Credit Union. This notice explains what types of member information we collect and under what circumstances we may share it.

Member Information We Collect
The Credit Union collects only relevant information about members that is needed to establish and maintain your account and services as the law allows or requires us to collect. We may collect personal and financial information about you (member information) which is “non public.” The member information we collect varies depending on the accounts and services you request and use. We collect information about you from the following sources:

Application Information
We retain personal information we receive from you on any application you provide for membership, deposit account, EFT services, loans, financial planning, securities brokerage, insurance, or other Credit Union and affiliate services. This information includes: name, address, social security number, birth date, phone number, employment and financial status, and credit history.

Your Transactions
Any time you make a transaction on one of your accounts, including ATM or card transactions, loan advances, securities brokerage or insurance transactions, transactions through Online Banking, over the phone or at a branch, we retain the transaction information, including: your account number, the date, amount, location of the transaction, and other pertinent information.

Credit Reports
When we evaluate your application for an account or service, we may request a credit report about you from a consumer reporting agency. We retain the personal and credit history information about you and we may use it to evaluate future account service requests.

Online
We obtain information online when you visit our web site, kitsapcu.org. This includes retaining information you provide us on any online application, Online Banking transaction or information you send to us by e-mail.

Member Information We Share
In order to provide financial services to you, we share certain information about you with our affiliates and third party service providers. However, we only share information to the extent necessary to service your account or offer new services to you. If we share your information, it is with the goal of bringing you quality services, more choices, and greater convenience. Information we may have about former members is generally only shared or disclosed if necessary to enforce or administer an account or as required by law.

Sharing Information With Third Party Service Providers
In order for us to conduct our operations, including servicing your account or processing your transactions, we need to share information with our service providers, including: data processing companies, check, ATM, and other payment processing companies, payment networks, loan service providers, insurance companies, collection agencies, credit reporting agencies, financial planners, securities brokerage and insurance companies, and financial service providers with whom we have joint marketing agreements. These service providers act on our behalf and have agreed in writing to keep the member information we provide to them confidential. We share the following categories of information to third party service providers depending on the specific services provided:

• Personal/ Application Information (name,address, account number, SSN, etc.)
• Account information (type of accounts, account balances, and transaction history)
• Transaction information (dates, amounts,locations, and type of transaction)

We do not sell member information nor share your account numbers with independent third party marketers offering their products and services. While we may assist in offering financial products and services of our affiliate or other financial service providers, we control the member information used to make such offers.

Sharing Information as Legally Required or Permitted. We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Sharing Information As Legally Required Or Permitted
We may share any member information of yours in response to a lawful request issued by a court, government agency, or regulatory authority or as permitted by law in order to administer or enforce your account. We may also share our experience information about you with credit bureaus. Our reporting to credit bureaus is governed by the Fair Credit Reporting Act, which affords you the right to make sure that your credit bureau reports are accurate.

Our Confidentiality And Security Safeguards
We maintain strict policies and security controls to assure that member information in our computer systems and files is protected. Our employees and agents are permitted access to member information that they may need to perform their jobs and to provide service to you. Our employees and agents have access to such member information as necessary to conduct a transaction or respond to your inquiries. All employees and agents are trained to respect member privacy. No one except our employees and agents has regular access to the Credit Union computer system and records storage. The Credit Union has established internal security controls, including physical, electronic and procedural safeguards to protect the information you provide us and the information we collect about you. We will continue to review our internal security controls to safeguard your member information as we employ new technology in the future.

Ways to Limit Direct Marketing You Receive from Outside Sources
There are outside agencies and companies, including national consumer credit reporting agencies, which are in the business of compiling mailing lists for purchase by marketers. You may wish to have your name removed from many of these lists by following the procedures outlines below:

Direct Marketing Association and Member Companies
To remove your name from direct mail or telemarketing lists of members of the Direct Marketing Association, send written request with your name, address and social security number (if it was included in the mailing you received) to the Direct Marketing Association. The Direct Marketing Association is responsible for notifying its members (i.e. the agencies and companies that compile mailing lists) that you want your name removed from the lists they sell. Your name and address remains in their consumer exclusion files for five years.

You must register your own name and address with these organizations because they cannot process any requests from us. Be sure to include any variations of your name, address, and other information that have appeared in mailings or telephone calls that you have received.

Mail Preference Service Association
C/O Direct Marketing Association
P.O. Box 9008
Farmington, NY 11735-9008

Telephone Preference Service
C/O Direct Marketing Association
P.O. Box 9014
Farmington, NY 11735-9014

National Consumer Credit Reporting Agencies (Credit Bureaus)
In addition to sharing information with member companies for credit verification and fraud control purposes, national consumer credit reporting agencies may also sell or share your name and certain other information to various outside companies for marketing purposes. You may direct these agencies not to sell or share this information about you for marketing purposes but your financial institution may not make this request on your behalf. If you wish to direct these agencies not to sell or share this information about you for these marketing purposes, call their toll-free telephone number at (800) 353-0809 to communicate your request.

For more information about these businesses and their information sharing practices, you may visit them at their web sites:

Equifax
Experian
Transunion

Privacy Policy Inquiries. If you have any questions about our privacy practices, contact us by calling (800) 422-5852, or writing to us at Kitsap Credit Union, P.O. Box 990, Bremerton, Washington 98337.