Important information about the personal data your Credit Union collects, and how it is used to enable us to provide products and services to you.

Olean Area Federal Credit Union is owned by its members and run by a board of directors you elect. You can be confident that your financial privacy is a top priority of this credit union. We are required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.

We are committed to providing you with competitive products and services to meet your financial needs, which necessitates that we share information about you to complete your transactions and to provide you with certain financial opportunities. In order to do so, we have entered into agreements with other companies that provide either services to us or additional financial products for you to consider.

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

Information We Collect and Disclose About You
We collect and may disclose nonpublic personal information about you from the following sources:

• Information we receive from you on membership and loan application and other forms;
• Information about your transactions with us or others;
• Information we receive from a consumer reporting agency;
• Information obtained when verifying the information you provide on an application or other forms, such as from your current or past employers or from other institutions where you conduct financial transactions.

We may also disclose information we collect 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 terminate your membership with the credit union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to guard your nonpublic personal information.

Your Right to "Opt Out" of Information Sharing with Certain Third Parties
We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies.
• Non-financial service providers, such as vehicle marketers.

If you prefer that we do not disclose nonpublic personal information about you to certain non-financial companies as noted above you may opt-out of those disclosures. Please note that we will treat an opt-out request by any account holder (primary or joint) as applying to everyone on the account. You may contact us as follows:

• call our toll-free number 1-800-854-6052
• or locally 372-6607
• mail your request to the address below
• stop in and see one of our Member Service Representatives.

Locations
Olean Area Federal Credit Union

1201 Wayne St.
Olean, New York 14760

206 N. Clark St.
Olean, New York 14760