Marshland Community Federal Credit Union (herein referred to as “we,” “our,” or “us”) understands and recognizes the sensitivity of your personal financial information and makes every effort to ensure that your private information is protected. Your privacy is a top priority. This notice describes how we protect your nonpublic personal financial information. 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 com-panies that provide either services to us or additional financial products for you to consider. We may also share information about you with affiliated third party service providers, which provide insurance, broker-age, and credit union services.

Under these arrangements, we may disclose all of the information we collect, as described below, to com-panies that perform marketing or other services on our behalf, or to other financial institutions with whom we have joint marketing agreements, or to our affiliated third party financial service providers. To protect your privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide to them.

Information We Collect and Disclose About You
We collect the following nonpublic personal information about you from a variety of sources and may disclose all the information we collect to companies that perform marketing services on our behalf, to our affiliates, except that the only information we will disclose to our affiliates is information solely as to transactions or experiences between you and us.

• Information we receive from you on applications or other forms, such as name, address, Social Security number, and income.
• Information about your transactions with us, our affiliates, or others that work closely with us to provide you with financial products, such as account balances, payment history, parties to transactions, and credit card usage.
• Information we receive from a consumer-reporting agency, such as your creditworthiness and credit history.
• Information obtained from 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 any nonpublic information about you under other circumstances as permitted or required by law, typically to process transactions on your behalf, conduct our operations, follow your instructions as you authorize, or to protect the security of our financial records.

If you decide to terminate your membership or become an inactive member, we will adhere to the privacy polices and practices described in this notice.

How we Protect and Restrict Your Account Information
We restrict access to your personal and account information to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safe-guards that comply with federal regulations to guard your nonpublic personal information.

In some instances, when visiting our web site (www.marshlandfcu.coop), you will be asked for personal information. This information will be used to serve your needs quickly and identify other products and services we may offer you in the future. For more details, please visit our web site and view our online privacy policy.

Your privacy and financial success are our concern. We are committed to protecting your privacy and will take every reasonable step to ensure your personal information is protected.

If you have any further questions regarding our privacy practices or policy, you can reach us:

• Via the Internet at www.marshlandfcu.coop
• By Telephone: (912) 265-9565 or 1-888-265-9565 and ask for an Account Representative
• By Mail: P.O. Box 1957, Brunswick, GA 31520-1957