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Privacy Policy

		17151 Chesterfield Airport Rd. Chesterfield, MO 63005 PH: 636-728-3333 TF: 800-767-8880 firstcommunity.com			Revised December 2011
FACTS	WHAT DOES FIRST COMMUNITY 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 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 accounts, products or services you have with us. This information can include: • Name, address, Social Security Number, and income • Account balances and payment history • Credit history and credit scores
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 First Community Credit Union chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information			Does First Community Credit Union share?	Can you limit this sharing?
For our everyday business purposes—such as to process your transactions, maintain the account(s) you have with us, 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 do not share
For our affiliates’ everyday business purposes—information about your creditworthiness			No	We do not share
For our affiliates to market to you			No	We do not share
For non-affiliates to market to you			No	We do not share
Questions?	Call us at 636-728-3333 or toll free at 800-767-8880, visit us online at www.firstcommunity.com or write to us at: First Community Credit Union, 17151 Chesterfield Airport Road, Chesterfield, MO 63005-1411.
More information about your privacy continued on next page.

		17151 Chesterfield Airport Rd. Chesterfield, MO 63005 PH: 636-728-3333 TF: 800-767-8880 firstcommunity.com	Revised December 2011
Who We Are
Who is providing this notice?	First Community Credit Union.
What We Do
How does First Community 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, secured files and buildings, procedural safeguards and safe record storage. We will continue to review and modify our security controls in the future to deal with changes in products, services and technology.
How does First Community Credit Union collect my personal information?	We collect your personal information, for example, when you • open an account • apply for a loan • use your credit or debit card • pay your bills • make deposits to or withdrawals from the accounts you have with us We also collect your personal information from others, including credit bureaus or other companies.
Why can’t I limit all sharing?	Federal law only gives you the right to limit: • sharing for affiliates’ everyday business purposes—information about your creditworthiness • affiliates from using your information to market to you • sharing for non-affiliates to market to you State laws and individual companies may give you additional rights to limit sharing.
Definitions
Affiliates	Companies related by common ownership or control. They can be financial and nonfinancial companies. • First Community Credit Union has no affiliates.
Non-affiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. • First Community Credit Union does not share with non-affiliates so that they can market to you.
Joint marketing	A formal agreement between non-affiliated financial companies that together market financial products or services to you. Our marketing partners include: • Investment companies • Insurance companies • Other financial service providers