Privacy

Rates

Members

Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non financial companies
NonAffiliates	Companies NOT related by common ownership or control. They can be financial and nonfinancial companies
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

What we do
How does Moonlight 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. In addition to extensive electronic and physical safeguards, we conduct information security staff awareness training, conduct risk assessments, penetration tests, and develop procedures for the protection of member information.
How does Moonlight 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 debit/atm card We also collect 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 you * sharing for nonaffiliates to market you. State laws and individual companies may give you additional rights to limit sharing.
What happens when I limit sharing for an account I hold jointly with someone	Your choices will apply to everyone on your account.

Questions	PO Box 427, Worthington, PA 16262 (724) 297-3084 or visit www.moonlightcu.com	101 Deer Park Road, Worthington, PA 16262 Fax (724) 297-3826

Reasons we can share your personal information	Does Moonlight Credit Union 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 investigations, 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	N/A
For our affiliates' everyday business purposes - information about your creditworthiness	NO	N/A
For nonaffiliates to market you	NO	N/A

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 account balances account transactions and checking account information *credit history and transaction or loss history
How?	All financial companies need to share members' personal information to run their everyday business. In the section below, we list the reasons financial cooperatives can share their members' personal information; the reasons Moonlight Credit Union chooses to share; and whether you can limit this sharing.

Moonlight Credit Union

FACTS	WHAT DOES MOONLIGHT CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

To limit our sharing	Call (724) 297-3084 or visit us online at: www.moonlightcu.com 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 continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.