We respect your privacy. Concho Educators Federal Credit Union PRIVACY NOTICE, your member-owned financial institution, is committed to providing financial products and services to meet your needs and help you reach your financial goals. We are equally committed to protecting the privacy of our members. You may be assured that your financial privacy is a high priority of this credit union.

We are required by law to provide this privacy notice to explain how we collect, use, and safeguard your personal financial information. If you have any questions, please contact a CEFCU Member Services Representative at 325-944-4551.

We collect non-public, 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 others

• 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 the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. To protect our members' privacy, we work only with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not permit these companies to sell the member information we provide to other third parties.

In order to conduct the business of the Credit Union, we may also disclose non-public, personal information about you under other circumstances, but only as permitted or required by law. These disclosures typically include information needed to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

If you terminate your membership with Concho Educators Federal Credit Union, we will not share information we have collected about you, except as permitted or required by law.

We restrict access to non-public, personal information about you to those employees who have a specific business purpose in utilizing your data. All of our employees are trained in the importance of maintaining security, confidentiality, and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your non-public, personal information.

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

Protect your account numbers, card numbers, PINs (Personal Identification Numbers), and passwords. Never keep your PIN with your debit or credit card since it can provide unauthorized 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, explains the call as being on behalf of the credit union, and asks for your account number, you should beware because official credit union staff will have access to your information and will have no need to ask for it.

Keep your information with us current. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of your account(s), we will attempt to contact you immediately. If your address or phone number changes, please let us know immediately.

Keeping financial and personal information secure is one of our most important responsibilities. Concho Educator's Own Credit Union is committed to protecting the information of our members and other visitors who use our website. We value your trust and handle all personal information with care. As with information we collect through other means, we use the information you provide online to respond to your needs, service your accounts, and provide you with information about other services.

To ensure information remains confidential, Concho Educator's Own Credit Union uses encryption technology such as Secure Socket Layer (SSL) to protect the information you enter and submit from our website.

Regular Internet email is not secure. You should never provide information that is sensitive or confidential such as your social security number, account number, or PIN numbers. We also ask that you do not send personal or account Information through regular email.

Cookies are pieces of information stored directly on the device you are using. Cookies we use do not contain or capture unencrypted Personal Information. Cookies allow us to collect information such as browser type, time spent on the site, pages visited, language preferences, and your relationship with us. We use the information for security purposes, to facilitate navigation, to display information more effectively, to personalize/tailor your experience while engaging with us, and to recognize your device to allow your use of our online products and services. We collect statistical information about the usage of the site to continually improve the design and functionality, to monitor responses to our advertisements and content, to understand how account holders and visitors use the Site, and to assist us with resolving questions regarding the Site. We also utilize cookies for advertising purposes. Tracking technologies also used are beacons, tags, pixels, and scripts to collect and track information and to improve and analyze our website.

Linking To Other Sites:

To provide you with easy access to information, Concho Educator's Own Credit Union may provide links to other websites such as mortgage companies, insurance companies, and government agencies. These links are provided as a convenience to our members. We do not guarantee or endorse any of the content in these links, and Concho Educator's Own Credit Union does not represent either the third party or the member if the two enter into a transaction. The privacy and security policies on these linked websites may differ from those practiced by Concho Educator's Own Credit Union. We encourage you to read the privacy policies of all websites you visit, especially before providing any personal non-public information.

GOOGLE ANALYTICS

Many websites and apps use Google services to improve their content. When they integrate Google services, these sites and apps share information with Google. We use Google Analytics to better understand how users are visiting and using our Sites. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information. Although Google Analytics plants a cookie on your web browser to identify you as a unique user the next time you visit this site, the cookie cannot be used by anyone but Google. You may review further information about how Google Analytics collects and processes data and how to control the information sent to Google at how Google uses information from sites or apps that use our services at policies.google.com/technologies/partner-sites.

MOBILE APPLICATION GEOLOCATION

Concho Educator's Own Credit Union Mobile Applications periodically collects, transmits, and uses geolocation information for enabling features such as, but not limited to, card use and alerts to prevent fraudulent activates, but only if the End User expressly authorizes the collection of such information. Geolocation information can be monitored on a continuous basis in the background only while the feature(s) are being used or not at all, depending on the End User's selection. The End User can change his/her/their location permissions at any time in their device settings.