Rev. 12/17

• FACTS

• WHAT DOES GOLDEN 1 CREDIT UNION DO WITH YOUR PERSONAL INFORMATION?

• Why?

• Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal laws 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 purchase history
  • • Account balances and credit card or other debt
  • • Transaction history and checking account information

  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 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 Golden 1 Credit Union chooses to share; and whether you can limit this sharing.

• Reasons we can share your personal information

• Does Golden 1 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

• Yes

• No

• For joint marketing with other financial companies

• Yes

• No

• 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 you

• No

• We don't share

• Question?

• Call 1-877-GOLDEN 1 (1-877-465-3361) or visit golden1.com.

• What We Do

• How does Golden 1 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 Golden 1 Credit Union collect my personal information?

• Federal law gives you the right to limit only:

  • • sharing for affiliates' everyday business purposes - such as 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.

• Why can't I limit all sharing?

• Federal law gives you the right to limit only:

  • • sharing for affiliates' everyday business purposes, such as 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 nonfinancial companies.

  • • Golden 1 Credit Union has no affiliates.

• Nonaffiliates

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

  • • Golden 1 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 providers of financial products and services.

• Other Important Information

• For California Residents: California law provides additional privacy rights to California residents. We will not share your personal information with nonaffiliated third parties unless permitted by California law. Please see separate notice entitled "Important Privacy Choices for Consumers" for your right to opt out of sharing with non-affiliated financial institutions for joint marketing.

  For Nevada Residents: We are providing this notice to you pursuant to Nevada law. If you prefer not to receive unsolicited marketing calls from us, you may elect to be placed on our internal Do Not Call List by writing to us at 8945 Cal Center Drive, Sacramento, CA 95826, by calling 1-877-GOLDEN 1 (1-877-465-3361), or by making your election online at golden1.com. To obtain further information, you may contact our customer service department at the address, telephone number or website provided above. You may also contact the Bureau of Consumer Protection, Office of the Attorney General, at 555 E. Washington St., Suite 3900, Las Vegas NV 89101, (702) 486-3132, or bcpinfo@ag.state.nv.us.