NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

This is our Privacy Notice for our members. When we use the words "you" and "your" we mean the following types of members:
 
All of our consumer members who have a continuing relationship with us, such as:

> Deposit account 
> Loan account 
> Credit Card
> Retail installment contract we hold and service
> Self-directed Individual Retirement Account where we act as custodian or trustee
> Financial, investment, or economic advisory services (for a fee)
> Home mortgage brokerage 

We will tell you the sources for nonpublic personal information we collect on our members. We will tell you what measures we take to secure that information. We first define some terms.

> We, our and us means Minnesota Building Trades Federal Credit Union.
> Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records.
> An affiliate is a company we own or control.
> A nonaffiliated third party is a company that is not an affiliate of ours. 

THE INFORMATION THAT 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
> Information about your transactions with our affiliates
> Information about your transactions with nonaffiliated third parties
> Information from a consumer reporting agency 

We do not disclose any non-public personal information about you to anyone, except as authorized by law.
 
THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF YOUR NONPUBLIC PERSONAL INFORMATION

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 regulation to guard your nonpublic personal information.
 
NONPUBLIC PERSONAL INFORMATION AND NONAFFILIATED THIRD PARTIES 

Since we value our member relationship with you, we will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law.
 
NON-PUBLIC PERSONAL INFORMATION AND FORMER MEMBERS

We do not disclose nonpublic personal information about former members.