Disclosure Required by Federal Law

Please read.

ELECTRONIC RECORDS DISCLOSURE AGREEMENT

Pursuant to the federal Electronic Signatures in Global and National Commerce (ESIGN) Act, we must obtain your consent prior to delivering legal disclosures to you in an electronic format. To establish your loan/credit card online and allow us to provide you with disclosures and agreements to you in an electronic format, your consent is required.

Consent:

The consent to receive disclosures in an electronic format applies only to your initial loan/credit card disclosures. You must consent to entering into electronic transactions with us, and receiving any related legal disclosures, agreements and account application. Your consent will only apply to the loan/credit card product(s) you have selected, the related legal disclosures, agreements and applications. You are not consenting to receiving other electronic records or disclosures at this time.

After the loan/credit card opening process is completed, you will have the opportunity to agree to receive account statements and other notices electronically via our home banking service, SAFE IB. If you would rather not submit your application online or do not want to receive your account disclosure in electronic format, you should exit this area of our website. If you prefer to apply for your loan/credit card in person or by mail, you may visit one of our office locations or call 800-581-2256 to request an application by mail.

System Requirements to Access the Information:

To receive disclosures electronically, you must use a computer that meets minimum hardware and software requirements.

• You must have a personal computer or other device which is capable of accessing the Internet.
• You must have an Internet connection or some access to a provider.
• You must have a compatible Internet web browser.
• You must have software which permits you to receive and access PDF files (Portable Document), such as Adobe Acrobat Reader. (Available for downloading at: https://get.adobe.com/reader/). Your access to this page verified that your system has the necessary software to permit you to receive and access PDF files.
• To retain a copy of the requested file, your system must have the ability to either download (e.g., to your hard disk drive) or print PDF files.

Privacy Disclosure

What does JM Associates Federal 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.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

What?

• Social Security number and account balance
• Credit history and payment history
• Transaction or loss history and wire transfer instructions

When you are no longer our member, we continue to share your information as described in this notice.

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 information JM Associates Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does JMAFCU 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 to 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 nonaffiliates to market to you	No	We do not share

Questions? Call toll-free 800-581-2256.

What we do

How does JM Associates 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.

How does JM Associates Federal Credit Union collect my personal information? –
We collect your personal information, for example, when you:

• Open an account or deposit money
• Use your credit or debit card or show your government-issued ID
• Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

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.

Why can’t I limit all sharing?

State law 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.
- JM Associates Federal Credit Union has no affiliates.

Nonaffiliates: Companies not related by common ownership or control. They can be financial and nonfinancial companies.
- JM Associates Federal Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing: A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
- Our joint marketing partners include CUNA Mutual Group’s TruStage.