PCT Federal Credit Union
Privacy Notice and Disclosure

PCT Federal Credit Union is committed to safeguarding your confidential information. In the course of providing services, we collect personal information about you that is not publicly available. PCT Federal Credit Union does not sell or distribute membership lists or your personal information. We do, however, share information about you with other companies in order to complete your transactions and to provide other fi nanc ial services. This notice describes how we collect, share and protect the privacy of your personal information. It also provides steps you can take to protect your personal information.

If you have any questions, please contact us at:

508-291-0777 or
800-221-0189

or write to:
Compliance Officer
PCT Federal Credit Union
PO Box 189
West Wareham , MA 02576

Types of Information We Collect
PCT Federal Credit Union collects a variety of information to assist in offering services to members. Sources of the information we collect include:

• Information you told us on membership forms and loan applications.
• Information about your transactions with us.
• Information we receive from consumer reporting agencies
• Information obtained when verifying the information you told us. We may obtain this information from your current or past employers, or from your transactions at other fi nanc ial institutions.
• Information we receive from you through electronic communications and e-mails.

Businesses With Whom PCT Federal Credit Union Shares Information
We may disclose personal information about you to the following types of businesses:

• Fi nanc ial service providers, such as companies providing mortgages, securities, credit card or insurance services.
• Non-fi nanc ial companies such as consumer reporting agencies, data processors, check/share draft printers, other printers, retailers, plastic card processors and government agencies.

Disclosure of Information to Businesses That Provide Services to Us
To perform your transactions and otherwise conduct credit union business, we may disclose information we collect to companies that perform marketing or other services on our behalf or to other fi nanc ial institutions with whom we have joint marketing agreements. We may also disclose personal information as permitted or required by law.

PCT Federal Credit Union only works with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell or distribute the information we provide.

Disclosure of Information about Former Members
We do not disclose any information we have collected about our former members, except as permitted or required by law.

How PCT Federal Credit Union Protects Your Information
We restrict information to those employees who need to provide products or services to you. We maintain physical, electronic and procedural safeguards that meet or exceed federal regulations to guard your information.

What You Can Do to Help
You can assist us in safeguarding your information by following these simple guidelines:

• Protect your account and plastic card numbers, PINs (personal identification numbers), and passwords. In particular, never keep you PIN with your ATM/Debit or credit card as that makes your accounts vulnerable if your card is lost or stolen.
• Use caution in revealing account and social security numbers, and other identifying personal information to other persons. If someone says they are calling you on our behalf and asks for your account number, you should beware. Our employee would already have access to that information before calling you.
• It is important that we always have your current address and telephone numbers. You can also provide us with your e-mail address. If we detect potentially fraudulent use of your account, we will attempt to contact you immediately.
• We encourage you to share any questions or concerns. Please do not hesitate to call us - we are here to serve you.