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 and overdraft history
· account balances and transaction history
· account transactions and payment history
When you are no longer our member, we continue to share your information as described in this notice.

How?

All financial companies need to share customers’ personal information to run their everyday business. In the section below, we
list the reasons financial companies can share their customers’ personal information; the reasons Hometown Credit Union
chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Hometown Credit
Union 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

NO

We don’t share

For joint marketing with other financial companies

NO

We don’t share

For our affiliates’ everydaybusiness purposes —
information about your transactions and experiences

YES

NO

For our affiliates’ everyday business purposes —
information about your creditworthiness

YES

YES

For non-affiliates to market to you

NO

We don’t share

To limit our
sharing

· Call (877) 304-0035
· Visit us online: www.hcuonline.com
· Mail the form below
Please note: If you are a new member, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our member, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

Questions?

Call us at: (877) 304-0035 or visit us on the web at: www.hcuonline.com

Who we are

Who is providing this notice?

Hometown Credit Union

How does Hometown 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.

How does Hometown Credit Union
collect my personal information?

We collect your personal information, for example, when you
· open an account or make deposits or withdrawals from your account
· show your government issued ID or apply for a loan
· use your credit or debit card
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 non-affiliates to market to you
State laws and individual companies may give you additional rights to limit sharing.

Affiliates

Companies related by common ownership or control. They can be financial and nonfinancial companies.
· Hometown CU affiliates include non-financial companies such as credit card companies, check printing companies and insurance companies.

Non-affiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.
· Hometown CU does not share with non-affiliates so they can market to you.

Joint marketing

A formal agreement between non-affiliated financial companies that together market financial products or services to you.
· Hometown CU does not have joint marketing agreements.

Other Important Information

For North Dakota Members. We will not share personal information with non-affiliates either for them to market to you or
for joint marketing – without your authorization.