WHAT DOES WHITE RIVER CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

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.

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
  •  Credit history
  •  Credit scores
  •  Account transactions
  •  Wire transfer instructions

When you are no longer a member, we continue to share your information as described in this notice.

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 White River Credit Union chooses to share; and whether you can limit this
sharing.

Reasons we share your personal information Does WRCU share? Can you limit this sharing?
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
Yes No
For our marketing purposes - to offer our products and services to you Yes No
For joint marketing with other financial companies Yes Yes
For our affiliates' everyday business purposes - information about your transactions and experiences No We don't share
For our affiliates' everyday business purposes - information about your creditworthiness No We don't share
For nonaffiliates to market to you No We don't share

Questions? Call toll-free (800) 891-3332 or go to www.whitercu.com

How does White River 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 protect
this information and we limit access to information to those employees for whom
access is appropriate.

How does White River Credit Union collect my personal information?

We collect your personal information, for example, when you

  •  Open an account
  •  Apply for a loan
  •  Give us your income information
  •  Make a wire transfer
  •  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 your creditworthiness
  •  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 and
non-financial companies.

  •  White River Credit Union has no affiliates.

Nonaffiliates- Companies not related by common ownership or control. They can be financial and
non-financial companies.

  •  White River Credit Union does not share with nonaffiliates so they can market to you.

Joint Marketing- A formal agreement between nonaffiliated financial companies that together market
financial products or services to you.

  •  Our joint marketing partners include insurance companies.

Important information for Vermont members

 We will not disclose information about your creditworthiness to our affiliates and will not disclose your personal
information, financial information, credit report, or health information to nonaffiliated third parties to market to you,
other than as permitted by Vermont law, unless you authorize us to make those disclosures.
 For additional information concerning our privacy policies call 802-767-3333