What does Sierra Pacific Federal Credit Union do with your personal information?

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 • Account balances • Payment history • Transaction or loss history • Credit history • Credit scores When you are no longer a member, we continue to share your information as described in this notice.

How?

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 Sierra Pacific Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

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

Does SPFCU share?

Yes we share

Can you limit the sharing?

You can not limit the sharing

For our marketing purposes to offer our products and services to you

Does SPFCU share?

No we don’t share

Can you limit the sharing?

No we don’t share

For joint marketing with other financial companies

Does SPFCU share?

Yes we share

Can you limit the sharing?

You can not limit the sharing

For our affiliates’ everyday business purposes information about your transactions and experiences

Does SPFCU share?

No we don’t share

Can you limit the sharing?

No we don’t share

For our affiliates’ everyday business purposes information about your creditworthiness

Does SPFCU share?

No we don’t share

Can you limit the sharing?

No we don’t share

For nonaffiliates to market to you

Does SPFCU share?

No we don’t share

Can you limit the sharing?

No we don’t share

Questions? Call 775-834-4579

What We Do

How does Sierra Pacific Federal 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. We also maintain other physical, electronic and procedural safeguards to protectthis information and we limit access to information to those employees for whomaccess is appropriate.

How does Sierra Pacific Federal Credit Union collect mypersonal information?

We collect your personal information, for example, when you:
• Open an account • Apply for a loan • Apply for financing • Give us your contact information • Show your driver’s license 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 yourcreditworthiness • 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. See below for more on your rights under state law.

Definitions

Affiliates

Companies related by common ownership or control. They can be financial andnon-financial companies. • Sierra Pacific Federal Credit Union has no affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial andnon-financial companies. • Sierra Pacific Federal Credit Union does not share with nonaffiliates so theycan market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together marketfinancial products or services to you. • Our joint marketing partners include The Hartford and CUNA

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Members. We will not share personal information withnonaffiliates either for them to market to you or for joint marketing – without your authorization. For California Members. We will not share personal information with nonaffiliates either for them to market to you orfor joint marketing – without your authorization. We will also limit our sharing of personal information about you withour affiliates to comply with all California privacy laws that apply to us. For Massachusetts, Mississippi and New Jersey Members. We will not share personal information from deposit orshare relationships with nonaffiliates either for them to market to you or for joint marketing – without your authorization. For Vermont Members. We will not share personal information with nonaffiliates either for them to market to you orfor joint marketing – without your authorization, and we will not share personal information with affiliates about yourcreditworthiness without your authorization.

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Sierra Pacific Federal Credit Union