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 and income
• account balances and payment history
• transaction history and transaction or loss history

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

All financial companies need to share member's personal information to run their everyday business. In the section below, we list the reasons financial companies can share their member's personal information: the reasons Worcester Credit Union choose to share; and whether you can limit this sharing.

For our everyday business puposes -
such as to process your transactions, maintain
your account(s), respond to court orders and legal
investigations, or report to credit bureaus

For our marketing puposes -
to offer our products and services to you

For joint marketing with other financial companies -

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

For our affiliates' everyday business purposes -
information about your creditworthiness

For nonaffiliates to market to you -

Call 508-853-9966 or go to www.worcestercu.com

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 collect your personal information, for example, when you

• open an account
• apply for a loan

We may also collect your persona information from other companies,
such as current or past employers, or from institutions where you
conduct financial transactions.

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.

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• None

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• None

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

• None