PRIVACY NOTICE

At Your Credit Union, your personal privacy is important to us. We recognize that you have an interest in how we collect, retain and use information about you and your relationship with us.

Information We Collect and Share with Others We collect information* about you from the following sources:

• Applications and other forms you submit
• Information about your transactions with us or with others
• Information obtained when verifying the data you provide on applications and other forms
• Consumer reporting agencies

We may share information about you to the following types of third parties:

• Financial service providers, such as those that provide credit card, ATM, mortgage and insurance services
• Non-financial companies such as consumer reporting agencies, our check processor, check printer and statement processor
• Other relationships such as the Credit Union's external audit firm and the shared branch network

We may share the information that we collect, as described above, with companies that perform marketing services on our behalf or with other financial institutions with whom we have joint marketing agreements.

In any case, where we use outside organizations to provide support services, we will require them to adhere to our standards of privacy. We may also share information about you under other circumstances, as permitted or required by law.

If you decide to terminate your membership with Anheuser-Busch Employees' Credit Union (including its Divisions) or become an inactive member, we will follow the same privacy practices as with an active member.

How We Protect Your Information

We restrict access to information about you to those employees who need to know that information to provide products and services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to protect your information. We do not share information about you with anyone except to complete services that we are providing to you, as described in this notice.

Our Web Site

When you visit our Web site, we want you to feel secure that we are respecting your privacy. The only information we have about you is the information you choose to give us (such as providing feedback or completing a form).

Our site provides links to other web sites accessible via the Internet. These sites are created and maintained by other organizations. The Credit Union does not control or guarantee the accuracy, relevance, timeliness, or completeness of the information on these sites. Additionally, these sites may use "persistent" and/or "non-persistent" (session) cookies. Persistent cookies store information in a small text file which is placed on the hard disk of your computer. These cookies can contain a variety of information, from a simple count of how often you visit a web site to information that allows customization of a web site for your specific use. Non-persistent cookies are temporarily stored on your web browser and set to expire after you end a web session. These cookies are often used to manage traffic on a web site.

How You Can Help Protect Your Information

In addition, to Credit Union efforts to protect your privacy, you can follow these steps to protect yourself:

• Protect account and card numbers, personal identification numbers and passwords.
  Keep items with personal information in a safe place.
• Use caution when disclosing your account numbers and social security numbers to other persons. Only give your social security number when it's absolutely necessary.
• Keep your information with us current. It's important that we have current information on how to reach you.
• Contact the Credit Union with questions or concerns, 800-325-9905. Or, email us at: info@abecu.org.

SECURITY REGARDING PC CUing™Online Account Access

PC CUing uses an integrated security system to protect your account data from exposure to unauthorized persons. This system is a three-tiered security policy that governs all aspects of the PC CUing service. Each tier governs a unique aspect of your PC CUing session and transactions with the Credit Union. These policies form a rigid security implementation that enables members to conduct business with the Credit Union via the Internet with an extremely high degree of security. At no time does anyone from the outside world have access to the Credit Union's database via the Internet. Any and all requests for data must pass through two distinct validation and control centers. Each request and answer is logged at each stop through the firewall. Additionally, any suspicious activity is logged and causes an alarm.

Encryption occurs for all information going to and from both you and PC CUing. Plainly stated, encryption is "mumbo jumbo". Encryption takes meaningful text and numbers and scrambles them into numerical nonsense before transmitting them across the Internet. This process uses complex mathematical formulas to create a key that is used to translate the "mumbo jumbo" nonsense back into meaningful data. There are billions of potential keys and a different one is used for each on-line session with PC CUing. The key to be used is established when the on-line connection is made between your computer and PC CUing. Your next on-line session will use a completely different key!

Your personal account also has two additional layers of security surrounding it. First, your Login ID (Account #) and Password (PIN) which are specific to your account and can be changed by you for added security. Second, is your SecureKey. Similar to an ATM card and PIN, your SecureKey file and passcode provide true two-factor security - something you have and something you know. The PC CUing system will automatically lock access to your account should several unsuccessful attempts to access your account be made.

*Throughout this notice, the word "information" refers to personal information about you that may not be publicly available.