WHAT DOES YOUR HOMETOWN FCU

DO WITH YOUR PERSONAL INFORMATION?

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.

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 assets

*account balances and payment history

*credit history and credit scores

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 Your Hometown FCU chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information                          Does YHFCU share?          Can you limit this

sharing?

For our everyday business purposes ---

such as to process your transactions, maintain your

account(s), respond to court orders and legal investi-

gations, or report to credit bureaus Yes No

For our marketing purposes ---

To offer our products and services to you Yes Yes

For joint marketing with other financial companies Yes Yes

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 our affiliates to market to you No                           We don’t share

For our nonaffiliates to market you No                           We don’t share

Please note:

You can contact us at any time to limit our sharing.

Questions? Contact Your Hometown FCU at (270) 247-6458.

What We Do

How does YHFCU 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 YHFCU collect my personal information?

We collect your personal information, for example, when you

*open an account or deposit money

*apply for a loan or provide account information

*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

State laws and individual companies may give you additional rights to limit sharing.

What happen when I limit sharing for an account I hold jointly with someone else?

Your choices will apply to everyone on your account.

Definitions

Affiliates-Companies related by common ownership or control. They can be financial and nonfinancial companies.

*Our affiliates include companies with a common corporate identity of Your Hometown FCU.

Nonaffiliates-Companies not related by common ownership or control. They can be financial and nonfinancial companies.

*Your Hometown FCU does not share with non-affiliates so they can market to you.

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.