FACTS	WHAT DOES MONTEREY 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 and Income Account balances and payment history Credit history and credit scores When you are no longer our 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 Monterey Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does Monterey Credit Union share?	Can you limit this sharing?
For our everyday business purposes- such as to process your transactions, maintain your accounts(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	NO	WE DON'T SHARE
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 affiliates to market to you-	NO	WE DON'T SHARE
For non affiliates to market to you-	NO	WE DON'T SHARE

Questions?

Call 831-647-1000 or go to www.montereycu.com

Who we are
Who is providing this notice?	Monterey Credit Union

What we do
How does Monterey Credit Union protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does Monterey Credit Union collect my personal information?	We collect your personal information, for example, when you open an account or apply for a loan pay your bills or make deposits or withdrawals to your account give us your contact information We also collect your personal information from others, including credit bureaus or other companies.
Why can't I limit sharing?	Federal law gives us the right to limit only Sharing for affiliates' everyday business purposes-information about your creditworthiness Affiliates from using your information tomarket to you Sharing for non affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. Monterey Credit Union has no affiliates
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Monterey Credit Union does not share with non-affiliates so theycan market to you.
Joint Marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Monterey Credit Union doesn't jointly market