SEMC Federal Credit Union is committed to making available financial prodcts and services that will enable our members to meet their financial needs and reach their financial goals. Protecting personal information and using it in a manner consistent with our members' expectations is a high priority for everone associated with the credit union. We are providing this notice to inform you of the ways that we collect, use, and safeguard your personal financial information.

SEMC Federal Credit Union collects non-public information about you from the following sources:Information we receive from you on applications or other forms.

• Information about your transactions with us or others.
• Information we receive from a consumer reporting agency.

We may disclose all of the information we collect about our members and former members as described above to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

We may also disclose non-public personal information about our members and former members to non-affiliated third parties as permitted by law.

SEMC Federal Credit Union restricts access to your personal and account information to those employees, directors, and supervisory committee members who need to know that information to provide products or services to you or perform their duties under federal or state regulations. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information. SEMC Federal Credit Union will not share information with non-affiliated businesses. Under no circumstances will we authorize any firm to charge our members' account without that member's express consent and the Credit Union will not sell member information to telemarketing firms.

If you have any questions about the above information, please contact us.