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PRIVACY POLICY

Water and Power Community Credit Union (WPCCU) understands the importance of protecting the privacy of our members. As such, we are committed to maintaining the confidentiality of members’ financial records consistent with state and federal laws. The following sets forth our policies regarding our use and protection of your financial information.

Information WPCCU Collects about You:
During the course of business we collect non-public personal information about you from the following sources:

• Information we receive from you on applications or other forms;
• Information we obtain when verifying the information we receive from you;
• Information about your transactions with us, our affiliates, or others; and
• Information we receive from a consumer reporting agency.

Generally, we may share all information that we may collect from you as described above, with third parties to complete transactions and maintain accounts and related records (such as data processing transactions and records). We may also share such information with select third parties if: 1) you request or authorize it; 2) the information is provided to help complete a transaction initiated by you; 3) the information is provided to a consumer reporting agency in accordance with the Fair Credit Reporting Act; or 4) the disclosure otherwise is lawfully required or permitted.

Companies Who Receive Information from WPCCU:
Also, we may enter into agreements with other businesses to provide support or services to us or for one or more of our products, such as mailing houses that assist us in delivering your statements and other promotional materials. Before entering into relationships with such entities, we require them to sign a confidentiality agreement safeguarding our members’ information and to comply with all applicable privacy laws.

Furthermore, we may also disclose nonpublic personal information about you to other non-affiliated and affiliated third parties not described above as permitted by law and described in our policies.

In addition, the Credit Union is affiliated with a number of credit union service organizations, such as Community Mortgage Funding. The Credit Union and Community Mortgage Funding share information about your accounts to provide the products and services you want upon your request or authorization.

Because of the limited way we share information with affiliated and non-affiliated third parties, we are not required to provide you with the opportunity to opt-out from disclosure of information to affiliated and non-affiliated third parties.

Disclosure about Former Members:
If you decide to terminate your membership or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.

WPCCU Will Protect Your Information:
We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. Our employees access information about you when needed to administer your accounts, to provide requested services, or in response to a legally valid outside request or order (such as a subpoena).

In addition, our employees may also access information to exercise our rights under the law or pursuant to any agreement with you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Pursuant to the Fair Credit Reporting Act (“FCRA”), it is the Credit Union’s practice to share Transaction/Experience Information (as defined by the FCRA) with its affiliates and nonaffiliated third parties to the extent permitted by law.

Internet Privacy Policy
We will ask for your email address when you enroll in Online Banking in order to contact you with important information about your account. The account number and password that you provide on the Online Banking and Mobile Banking screen is collected only to verify your identity and protect your account information. We may use your email address to help diagnose problems with our server, to administer our website, and to compile general statistics.

From time to time we enter into business relationships with various businesses who offer goods and services which we think you may be of interest to you. We will send promotional emails and notifications to your email address in our records as long as you are on online banking customer of ours. We do not share your information with these businesses. You may choose not to receive our promotional emails by following the instructions on the Credit Union's Online Banking website, www.wpcu.org.

On our website, we provide links to other sites, such as Kelley Blue Book, Smart Home Buyer Service, Brass Magazine, BALANCE Financial Fitness, CU Succeed, Kirby Kangaroo and Autoland. WPCCU is not responsible for the privacy practices or content of any website other than that operated by WPCCU.

Changes to Our Privacy Policy:
We reserve the right to revise our policy as our business needs change or as the law requires. If we revise our policies, we will provide our active members with copies of our new policies at that time.

Contacting WPCCU:
We strive to ensure that our records contain accurate information about you. If you see any inaccuracies in your statements, please call (800) 300-9728. We will promptly investigate and make any necessary changes to update your records.