This notice describes how we protect the privacy of your personal information and give you an opportunity to let us know if you do not want certain information about you disclosed to other parties. Throughout this notice, the word “information” refers to personal information about you that may not be publicly available.

Information that we collect and disclose to others:
We collect information about you from the following sources:

• Applications and other forms you submit to us
• Information about your transactions with us
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an application or other forms. This may be obtained from your current or past employers or from other institutions where you conduct financial transactions.

We may disclose all of the information that we collect as described above.

Parties to whom we disclose information:

• Financial service providers such as those that provide mortgage securities, credit card and insurance services
• Non-financial companies such as our data processor, mail house, payroll processor or statement printing company
• Others such as non affiliated third parties as permitted by law.

We may disclose all the information we collect as described above to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. To protect our members' privacy, we only work with companies that agree to maintain strong confidentially protections and limit the use of information we provide. We do not permit these companies to sell the member information we provide to other third parties.

We may also disclose information about you under other circumstances, as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you decide to terminate your membership with us or become an inactive member, we will not share information we have
collected about you except as may be permitted or required by law.

How we protect 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 that comply with federal regulations to guard your information.

What you can do to help protect your privacy:
Western Sun Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, card numbers, PINs (Personal Identifications Numbers) and passwords. Never keep your PIN with your debit or credit card which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security number, etc. to other persons. If someone calls you, explains the call is on behalf of Western Sun and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately. If your address or phone number changes, please let us know.

You may opt out:
If you prefer that we do not disclose nonpublic information about you to non affiliated third parties, you may opt out of those disclosures by directing us not to make those disclosures (other than those permitted by law). Non-member joint account holders, co-borrowers and guarantors may exercise this right to opt out. For joint account holders, we will treat an opt-out request as applying to everyone listed on that individual account unless you direct us otherwise. If you wish to opt out of our disclosures to non-financial companies such as retailers, direct marketers, and publishers, or other such as non-profit organizations, you may call us at our toll-free number, (800) 828-4771 or mail your request to us at Western Sun Federal Credit Union, 4620 W. Kenosha, Broken Arrow, OK  74012.