Personal Information Sharing

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

How?
All financial companies need to share members' personal information to run their businesses. In the section below, we list the reasons financial companies can share their members' personal information, the reasons OU Credit Union chooses to share, and whether you can limit this sharing.

Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

• For our everyday business purposes
Such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

• For our marketing purposes
To offer our products and services to you

• For joint marketing with other financial companies

• For our affiliates' everyday business purposes
Information about your transactions, experiences, and creditworthiness

• For our affiliates to market to you

• For nonaffiliates to market to you

You are able to limit:
• Information about your creditworthiness
• Marketing from our affiliates
• Marketing from nonaffiliates

• Call 517-333-2424 or 800-678-4968 -- A member service representative will assist you with your opt-out preferences.
• Visit us online at msufcu.org, log in to your account via ComputerLine, select the "Messages" option at the top of your screen and leave a secure message.

Please note:
If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we can continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Visit msufcu.org or call us at 517-333-2424 or 800-678-4968.

Who is providing this notice?
Oakland University Credit Union

How does OU 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 OU Credit Union collect my personal information?
We collect your personal information, for example, when you:
• Open an account or deposit money
• Pay your bills or apply for a loan
• Use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?
Federal law gives you the right to limit only:
• Sharing for affiliates' everyday business purposes -- information about your creditworthiness
• Affiliates from using your information to market to you
• Sharing for nonaffiliates to market to you

What happens when I limit sharing for an account I hold jointly with someone else?
Your choices will apply to everyone on your account.

Affiliates
Companies related by common ownership or control. They can be financial and nonfinancial companies.
• Our affiliates include companies with the MSUFCU name, financial companies such as Spave LLC, nonfinancial companies such as Reseda Group LLC, and other entities such as Desk Drawer Fund.

Nonaffiliates
Companies not related by common ownership or control. They can be financial and nonfinancial companies.
• Nonaffiliates we share with can include financial companies such as insurance companies and other companies such as nonprofit organizations.

Joint Marketing
A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
• Our joint marketing partners include insurance companies, investment partners, and other financial service companies.