At Texas Dow Employees Credit Union (TDECU) our most important asset is our relationship with you. We are honored you have entrusted us with your financial affairs and are committed to safeguarding the privacy of information we maintain about you. Below are details regarding TDECU's commitment to protecting your privacy, including the types of information we collect about you and how we use and share information both within and outside of TDECU.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us, when used in this notice, mean Texas Dow Employees Credit Union. This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

• "Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a share account, deposit account, loan account, credit card, safe deposit box.
• Self-directed Individual Retirement Account

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information. We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an "other party."

THE INFORMATION WE COLLECT

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY, AND INTEGRITY OF 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 to protect this information.

YOUR INFORMATION AND OTHER PARTIES

We will not disclose information about you to anyone except as disclosed in this policy or as permitted by law. Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

INFORMATION ABOUT FORMER MEMBERS

We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING – OUTSIDE MARKETING SERVICES

We may disclose the following information to companies that perform marketing services on our behalf:

• Information you give us on an application or other forms, such as:
• Name
• Address

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses

Here are a few examples of the types of businesses with whom we may disclose information:

• Service providers that perform marketing services for us, such as marketing firms, check printers, credit card processors, statement mailers, electronic card service providers.

Reasons for Disclosing

We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

Limitations on Disclosure

Here are the limitations we impose on the use of information disclosed to companies that perform marketing services on our behalf:

• We only allow direct mail solicitations.