At Jeanne D'Arc Credit Union, we value and respect the trust placed in us by our members. For that reason, we have provided you with this notice to inform you of how we protect your personal information.

NOTICE OF YOUR FINANCIAL
PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Jeanne D'Arc Credit Union.

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

• Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
  • Share account
  • Consumer loan
  • Credit card account
  • Mortgage loan

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will also tell you what information we share with other entities. If you share your account relationship with someone else, for example where you are a co-borrower or joint holder of a share draft account, we suggest that you share this information with each other to ensure that each of you is aware of our policy and your options.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is a company that we do not own or control. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying member information

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY
OF YOUR INFORMATION

We restrict access to information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards to protect this information.

YOUR INFORMATION AND OUR AFFILIATES

We may disclose information about you to our affiliates. Here are the kinds of information and the source of that information:

Transaction and experience information from our account records:

• Information about your transactions and experience with us, such as:
  • Name
  • Address
  • Account balances
  • Telephone number

Federal law allows us to disclose the information listed above with our affiliates. You do not have a right to opt out of the disclosure of this information.

Types Of Affiliates

We may disclose information about you to the following types of affiliates:

• Financial service providers, such as:
  • Credit Union Service Organization

Reasons For Disclosure

We may disclose information about you to our affiliates to provide you with information about additional products and services.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER MEMBERS

We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING - OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

• Information you give us on an application or other forms, such as:
  • Name
  • Home address

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose information for outside marketing purposes:

• Service providers that perform marketing services for us, such as:
  • Mailing houses
  • Professional research firms

Reasons For Disclosing

We may disclose information about you to companies that perform marketing services on our behalf:

• to provide members with information about our products and services.
• to perform surveys to sample members' service satisfaction.

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:

• We only allow direct mail solicitations.

Contact us

If you have questions about our privacy notice or any other privacy questions, please:

call us at (978) 452-5001; or
contact us online at www.jdcu.com; or
mail us at:
Jeanne D'Arc Credit Union
658 Merrimack Street Lowell, MA 01854

1013398-020
Rev. 6/07
© 2000 Wolters Kluwer Financial Services - Bankers Systems™
Form  PRIV-DISC-CU   9/04/2001   Custom 2.1/1111