PRIVACY POLICY DISCLOSURE

THIS IS YOUR PRIVACY POLICY DISCLOSURE AND INSTRUCTIONS. IT CONTAINS IMPORTANT INFORMATION CONCERNING OUR PRIVACY POLICY AND INCLUDES NECESSARY DISCLOSURES AS REQUIRED BY THE GRAMM-LEACH-BLILEY ACT (15 U.S.C., CH. 94, 6801 ET SEQ.) AND THE NATIONAL CREDIT UNION ADMINISTRATION RULES AND REGULATIONS (12 CFR 716). PLEASE BE CERTAIN TO READ THESE DISCLOSURES AND INSTRUCTIONS CAREFULLY AND NOTIFY US AT ONCE IF ANY PARTS ARE UNCLEAR.

Categories of information We collect. We collect nonpublic personal information about you from the following sources:

• Information We receive from You on applications or other forms;
• Information about Your transactions with Us, Our affiliates, or others; and
• Information We receive from a consumer reporting agency.

Categories of information and parties to whom We disclose information about existing and former members. We do not disclose any nonpublic personal information about Our members or former members to anyone, except as permitted by law.

Information disclosed to service providers and joint marketing companies about existing and former members. We may disclose the following information to companies that perform marketing services on Our behalf or to other financial institutions with whom We have joint marketing agreements:

• Information We receive from You on applications or other forms, such as Your name, address, social security number, assets, and income; and
• Information about Your transactions with Us, Our Affiliates, or others, such as Your account balance, payment history, parties to transactions, and credit card usage; and
• Information We receive from a consumer reporting agency, such as Your creditworthiness and credit history.

Our policy and practices on protecting the confidentiality and security of information We have about You. We restrict access to nonpublic personal information about You to those employees who need to know that information to provide products or services to You. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard Your nonpublic personal information.

ONLINE ACCOUNT ACCESS DISCLOSURE

You will need your member number and the access code you use with the Touch Tone Teller to sign-on to Account Access. If you have not logged on to Account Access activity for a six-month period, Arkansas Federal Credit Union reserves the right to terminate your Account Access, for non-usage. Your Account Access may be reinstated by following the normal application process.

INTERNET BILL PAYMENT DISCLOSURE

One of the added conveniences to Account Access is the ability to pay your bills online using the Bill Payment feature of Account Access. You must have an AFCU Checking Account to use Bill Payment. If there has been no Bill Payment activity for a six-month period, Arkansas Federal Credit Union reserves the right to terminate your Bill Payment for non-usage. Once you authorize Arkansas Federal Credit Union to post payment transactions generated by personal computer from the Bill Paying Service using funds from your AFCU Checking Account, further terms must be understood. You understand that you are in full control of your account and that your 100% satisfaction is unconditionally guaranteed. If at any time you decide to discontinue service, you will provide written notification to Arkansas Federal. Your use of the Bill Paying Service signifies that you have read and accepted all terms and conditions of the Bill Paying Service. You also understand that payments may take up to 10 days to reach the vendor and that they will be sent either electronically or by check. Arkansas Federal Credit Union is not liable for any service fees or late charges levied against you. You also understand that you are responsible for any loss or penalty that you may incur due to a lack of sufficient funds or other conditions that may prevent the withdrawal of funds from your account.

E-STATEMENT DISCLOSURE

You must be an Account Access user in order to receive e-Statements. By selecting "I Agree" you are consenting to receive your account statements in electronic form that we would normally provide to you in printed form. Your e-Statements will contain the same content as the paper version supplied by the Credit Union which includes: account balances, transaction activity, electronic fund transfer information, year-to-date interest, and error notification procedures. The statement delivery option (paper or e-Statement) will depend on your Account Access status that is recorded on our system on the last day of the month and this will be the only method used to deliver that month's statement.

By accepting this Agreement, you understand that the Credit Union will send an e-mail to the address you specify in Account Access User Options to advise you when your e-Statement is available and you understand that it is your responsibility to view, print and/or save your statements for future reference. This e-mail may also contain promotional material and/or links to current promotional information on our web site. You understand that your e-Statement will become available in the e-Statement section of Account Access after you agree to the service. The electronic delivery of e-Statements and access to e-Statements is limited to the previous 24 statement periods. Access to e-Statement will be password protected via the Account Access sign-on for your security and protection.

You may terminate this agreement at any time by notifying us in writing. To terminate e-Statements you must terminate your Account Access service. Please refer to the contact information noted at the end of this Agreement. You agree to allow us reasonable time to resume providing statements covered by this Agreement in written form.

You may request a paper copy of any Account Statement or other information received electronically under this Agreement by notifying us. All requests must include the applicable account number(s) and specific period(s) for which the statement is requested. Please refer to our fee schedule for applicable fees.

If you change your e-mail address, you agree to update your e-mail address under the User Options feature within Account Access. Failure to do so may adversely affect e-Statement notifications that are sent to you via e-mail.

By accepting e-Statements, you understand that it is your responsibility to maintain proper equipment and software to view your e-Statements. Each document, which may be presented to you electronically under this Agreement, may be printed, if you have a printer available, or saved and retained for your electronic records. You may not consent to receive your account statements electronically under this Agreement if you do not have the capacity to print or retain the documents.

To receive electronic records and use the electronic services of the Credit Union you need a computer with access to the Internet and a minimum web browser of Netscape Navigator® 4.7 or Microsoft Internet Explorer® 5.5 or higher or an equivalent. To access your statement electronically you must install Adobe's Acrobat Reader. This is available for you to download at no cost at Adobe's web site - www.adobe.com. You are responsible for the set-up and maintenance of your home computer and Internet access.

CONTACT INFORMATION

Mailing Address:
P. O. Box 9
Jacksonville, AR 72078-0009

E-mail Address: info@afcu.org

Phone Contact: (501) 982-1000