FACTS: WHAT DOES MAINE HIGHLANDS FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Rev. 7/23

WHY? Financial companies choose how they share your information. Federal law gives members the right to limit some but not all sharing. Federal law 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 products or services you have with us. This information can include:

Social Security number and income

Account balances and payment history

Credit history and credit score

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 Maine Highlands Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does MHFCU 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 products and services to you	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates everyday business purposesinformation 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 our affiliates to market to you	No	We don't share

QUESTIONS? Call 207-924-5544 or go to mhfcu.com

Who we are
Who is providing this notice?	Maine Highlands Federal Credit Union
What we do
How does Maine Highlands Federal 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. We restrict access to nonpublic personal information about you to persons who need to know that personal information to provide products or services to you.
How does Maine Highlands Federal Credit Union collect my personal information?	We collect your personal information, for example, when you Open an account or deposit money Pay your bills or apply for a loan Use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Our mobile application may require access to the contact list on your mobile device in order to facilitate certain features within the application including, but not limited to Bill Pay.
Why can't I limit all sharing?	Federal law gives you the right to limit only Sharing for affiliates' everyday business purposes information about your creditworthiness Affiliates from using your information to market to you Sharing for nonaffiliates to market to you
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and non-financial companies. Maine Credit Union League; Insurance Trust; CUNA; FHLB; CUNA Mutual
Nonaffiliates	Companies not related by common ownership or control. They can be financial and non-financial companies. Synergent; CUSO Mortgage; Check Printing Solutions; Freedom Financial Group; Business Lending Solutions, LLC; Appraisers; Attorneys; Government Agencies; Credit Reporting Agencies
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Our joint marketing partners include CUSO Mortgage; Check Printing Solutions; Freedom Financial Group; Business Lending Solution, LLC; Insurance Trust