Disclosures

 All AAC Disclosures are in Adobe Acrobat. If you do not have Acrobat installed on your computer, you can download Acrobat for free.

• Form 1099-INT Instructions
• Membership Agreement
• Funds Availability Policy Disclosure 
• Notice of Your Financial Privacy Rights

Artwork Copyright © 2008 AAC Credit Union and CU Village. All rights reserved.

Notice of Your Financial Privacy Rights

We, our and us, when used in this notice, mean AAC Credit Union. This is our privacy notice for our
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 custodial or trustee
• Home mortgage brokerage

We will tell you the sources of 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.
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 non-affiliated 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 your on applications or other forms

*Information about your transactions with nonaffiliated third parties

*Information from a consumer reporting agency

The Confidentiality 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 regulations to guard your nonpublic personal information.

Nonpublic Personal Information and Nonaffiliated 3rd Parties

We will not disclose your nonpublic personal information to nonaffiliated third parties, except as permitted by law

Nonpublic Personal Information and Former Members

We do not disclose nonpublic personal information about former members, except as permitted by law

Authorized Sharing – Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

*Nonpublic personal information we receive from you on an application or other forms such as Name or Address

Federal law allows us to disclose the information listed above with other financial institutions with whom
we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.
We may also disclose nonpublic personal information about you to nonaffiliated third parties as permitted by law.

Types of Businesses

Here are the types of businesses with whom we may disclose nonpublic personal information under
this section

*Financial service providers, such as Insurance Agents

Reasons for disclosing

Here is why we may disclose nonpublic personal information about you to other financial institutions with
whom we have joint marketing agreements:
*To provide our members with information about additional products and services.

Patriot Act

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.  What this means for you:  When you open an account, we will ask for your name, address, date of birth, social security number and other information that will allow us to identify you.  We may also ask for your driver's license or other identifying documents.