Financial Horizons Credit Union is committed to protecting our member's privacy. You can be confident that your financial privacy is a priority of this credit union. We hare required by law to give you this privacy notice to explain how we collect, use, and safeguard your personal financial information.

Information We Collect & Disclose About You

Financial Horizons Credit Union collects nonpublic personal information from the following sources:

• * Information received from you on applications and other forms.
• * Information from member transactions with us and others.
• * Information received from a consumer reporting agency.
• * Information obtained when verifying information provided by members on applications or other forms, current or past employers, or from other financial institutions and entities where members have conducted financial transactions
• * Information we received about your use of our web site(s).

Financial Horizons Credit Union continues its commitment to providing competitive products and services that we believe will be of value and interest to members. We may disclose all the information we collect, as described previously and as permitted by law, to companies that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement. To protect our members privacy, we only work with companies that agree to maintain strong confidentiality protections and limit use of the information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the credit union, we may also disclose nonpublic personal information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Financial Horizons Credit Union, we will not share information we have collected about you, except as permitted or required by law.

How We Protect Your Information

We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading in dusty practices to safeguard your nonpublic personal information.

We are not required by law to provide you with an opportunity to "opt out " of our sharing of nonpublic personal information with nonaffiliated third parties because we do not share such information with third parties unless we have entered into a joint marketing agreement with the other party and the third party has agreed to adopt a privacy policy comparable to the policy adopted by us. As a part of our commitment to your confidentiality, however, if you prefer that we do not disclose your nonpublic personal information to nonaffiliated third parties with whom we have a joint marketing through which we offer, endorse, or sponsor a financial product or service, you may do so by contacting Financial Horizons Credit Union at (775 )945-2421 to request an Opt Out Response Form be sent to you or print an Opt Out Response Form available online at www.fhcunv.org. The signed Opt Out Response Form can be dropped off at any Financial Horizons Credit Union office or mailed to our Hawthorne Office:

Hawthorne Office:

895 Sierra Way

P.O. Box 2288

Hawthorne. NV 89415

Yerington Office

120 N. Main Street

Suite D

Yerington, NV 89447

Fallon Office

48 Commercial Way

Fallon, NV 89406

Opt Out Provision

Before opting out, please consider that by opting out you may be missing out on a chance to learn about some great opportunities. Please remember that by law, your right to opt out of the disclosure of information to nonaffiliated third parties is not applicable to those disclosures we make to companies that perform services on our behalf (such as check printers ), companies necessary to process your account, or third parties to whom disclosure is permitted or required by law (such as our auditors and examiners, and other law enforcement agencies.)