Privacy Policy

Timberline FCU, your member-owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at: (870) 304-3200 or (877) 2642771 or email us at:

www.timberlinefcu.org or write to:

Timberline FCU
PO Box 929
Crossett AR 71635

INFORMATION WE COLLECT ABOUT YOU

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms
• 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 we collect, as described above, as permitted by law.

PARTIES WHO RECEIVE INFORMATION FROM US

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies.
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, plastic card processors and mailhouses.

DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that perform marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services.

We may also disclose nonpublic personal information about you under 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.

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 the information we provide to other third parties.

CERTAIN PARTIES THAT RECEIVE INFORMATION FROM US WHERE YOU CAN REQUEST TO OPT OUT

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service providers, such as insurance companies.
• Non-financial companies, such as consumer reporting agencies, data processors, automobile extended warranties, check/share draft printers, plastic card processors and mailhouses.

Although joint marketing agreements are permissible by law, we have and will continue to permit you to Opt-Out of certain marketing business relationships. Therefore, if you prefer that we not disclose information about you to certain businesses, you may Opt-Out of these disclosures. The Opt-Out or Privacy turnkey will remove your information from all third-party providers listed in the section above, "Certain Parties That Receive Information From Us Where You Can Request to Opt-Out. "

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS

If you terminate your membership with Timberline FCU, 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 nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

ONLINE SERVICES AND EMAIL OFFERS

If you register for online banking, online bill payment or online services offered by Timberline FCU, we may send you email offers of our other products and services. All email offers from us will include a separate opportunity to Opt-Out of receiving further email offers.

Timberline FCU is required by law to give you the right to Opt-Out of information sharing with cel tain businesses. This means that you may direct us not to disclose information about you to certain businesses. Unless we hear from you, we may share all the nonpublic personal information about you that we collect with businesses involved in insurance, automobile extended warranties, consumer reporting agencies, data processors, check]share draft printers, plastic card processors and mailhouses. If you prefer that we do not disclose nonpublic personal information about you to these types of businesses, you may exercise your Opt-Out right at any time by contacting one of our Member Service Representatives at 1-870-304-3200 or l- 8772642771. We will discontinue further information sharing as quickly as possible. If you have elected to Opt-Out previously but have changed your mind, contact one of our Member Service Representatives at 1-870-304-3200 or 1-877-264-2771.

WHAT MEMBERS CAN DO TO HELP

Timberline FCU is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (Personal Identification Numbers) or passwords. Never keep your PIN with your card. The PIN can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union 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. If your address or phone number changes, please let us know. 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.

Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

This policy has been reviewed & approved by the board July 25, 2023.