Pyramid Credit Union, your member-owned financial institution is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at 520-795-7950 or 1-800-947-9726, or write to Member Services at Pyramid Credit Union, PO Box 12100, Tucson AZ 85732-2100, or email us at memberservice@pyramidcu.org

INFORMATION WE COLLECT ABOUT YOU

We collect nonpublic personal information about you from the following sources:

• Information we receive from you on applications and other forms
• Information about your transactions with us or our affiliates: SOSystems, Equifax, ChexSystems, SourceCorp, eFunds, Certegy, iPay Technologies
• Information we receive from a consumer reporting agency
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions
• We may disclose all of the information we collect, as described above, as permitted by law.

PARTIES WHO RECEIVE INFORMATION FROM US

We may disclose nonpublic personal information about you to the following types of third parties:

• financial service providers, such as securities broker-dealers
• Non-financial companies, such as consumer reporting agencies, data processors, check/share draft printers, financial statement publishers/printers, plastic card processors, government agencies, and mailhouses
• Pyramid Credit Union and its affiliates may also work closely to offer products and services to meet member needs. As a result, we may also share your nonpublic personal information with each other as permitted by law.

DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICES TO US

In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to other financial institutions with whom we have joint marketing agreements, to other companies that provide marketing services on our behalf, or to nonaffiliated third parties for the purposes of processing and servicing transactions that you request or authorize, so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of the credit union, and follow your instructions as you authorize, or protect the security of our financial records. To protect our members' privacy we only work 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 the information we provide to third parties. Members who prefer that we not disclose nonpublic personal information about them to nonaffiliated third parties may opt out of these disclosures. To opt out, members may call us at 520-795-7950 or 1-800-947-9726. Members may also notify us in writing by mailing a request to PO Box 12100, Tucson AZ 85732-2100, or by electronic mail to memberservice@pyramidcu.org.

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS

If you terminate your membership with Pyramid Credit Union, we will not share information we collect about you, except as permitted or required by law.

HOW WE PROTECT YOUR INFORMATION

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

INTERNET ACCESS AND SECURITY

Pyramid Credit Union strives to use the latest technology to protect your account information from exposure to unauthorized persons. Listed below are pieces of this security system: We require an account number and password to access your account. We use 128-bit encryption to process your transactions and rely upon industry standard "secure socket layer" (SSL) encryption to process your transactions. Email should never be used to communicate account or password information. Email is not a secure method of conveying private or personal information. You should not store your account number and password on your computer using Windows software. You should not store secured pages in your cache or leave your computer unattended while logged into our web site. We do use "cookies" to verify who you are while using online banking; these cookies will expire after a brief time with no activity.

WHAT MEMBERS CAN DO TO ENSURE PRIVACY AND ACCOUNT SECURITY

Pyramid is committed to protecting the privacy of its members. Members can help by following these simple guidelines:

• Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free access to your accounts if your card is lost or stolen.
• Use caution when disclosing your account numbers, social security numbers, etc. to other persons. If someone calls you explaining the call is on behalf of the credit union and asks for your account number, you should BEWARE. Official credit union staff will have access to your information and will not need to ask for it.
• Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.

PROTECTING CHILDREN'S INFORMATION PRIVACY

We do not knowingly solicit or collect data from children and we do not knowingly market to children. We recognize that protecting children's identities and online privacy is important. If you have any further questions about our privacy policy, we encourage you to contact us at 520-795-7950 during normal business hours.

MAIN OFFICE

520.795.7950

E-MAIL US>

E. BROADWAY office

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phone:520.795.7950

ORACLE office

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phone:520.292.1198

SPEEDWAY office

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phone:520.721.5099

RITA RANCH office

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phone:520.574.4415

Pyramid Credit Union provides links to third party web sites as a convenience for use at your own discretion. Pyramid Credit Union is not responsible for other web site content or any risk associated with linking to third party web sites. Please check sites for certification before submitting confidential information. ©2008-2009 Pyramid Credit Union. All rights reserved.