<table class="disclosures" cellspacing="0" style="border-bottom:4px solid #000;">
  <tr>
    <td class="title col-20" style="background:#000;"><h2>FACTS</h2></td>
    <td class="col-80">
      <h3 style="text-transform:uppercase;">What does Spokane City Credit Union do <br />
      with your personal information?</h3>
    </td>
  </tr>
</table>

<table class="disclosures" cellspacing="0">
  <tr>
    <td class="title col-20"><h2>Why?</h2></td>
    <td class="col-80">
      <p>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.</p>
    </td>
  </tr>
</table>

<table class="disclosures" cellspacing="0">
  <tr>
    <td class="title col-20"><h2>What?</h2></td>
    <td class="col-80">
      <p>The types of personal information we collect and share depend on the product or service you have with us. This information can include:</p>
      <ul style="list-style:square;">
        <li>Social Security number and account balances</li>
        <li>credit history and employment information</li>
        <li>income and payment history</li>
      </ul>
      <p>When you are <i>no longer</i> our member, we continue to share your information as described in this notice.</p>
    </td>
  </tr>
</table>


<table class="disclosures" cellspacing="0">
  <tr>
    <td class="title col-20"><h2>How?</h2></td>
    <td class="col-80">
      <p>All financial companies need to share members&#8217; personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members&#8217; personal information; the reasons Spokane City Credit Union chooses to share; and whether you can limit this sharing.</p>
    </td>
  </tr>
</table>

<table class="disclosures" cellspacing="0">
  <tr>
    <td class="title col-60">
      <p><b>Reasons we can share your personal information</b></p>
    </td>
    <td class="title col-20">
      <p><b>Does Spokane City Credit Union share?</b></p>
    </td>
    <td class="title col-20">
      <p><b>Can you limit this sharing?</b></p>
    </td>
  </tr>
  <tr>
    <td>
      <p><b>For our everyday business purposes &#8211;</b><br />
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or to report to credit bureaus</p>
    </td>
    <td class="text-center">Yes</td>
    <td class="text-center">No</td>
  </tr>
  <tr>
    <td>
      <p><b>For our marketing purposes &#8211;</b><br />
to offer our products and services to you</p>
    </td>
    <td class="text-center">Yes</td>
    <td class="text-center">No</td>
  </tr>
  <tr>
    <td>
      <p>For joint marketing with other financial companies</p>
    </td>
    <td class="text-center">Yes</td>
    <td class="text-center">No</td>
  </tr>
  <tr>
    <td>
      <p><b>For our affiliates&#8217; everyday business purposes &#8211;</b><br />
information about your transactions and experiences</p>
    </td>
    <td class="text-center">No</td>
    <td class="text-center">We don&#8217;t share</td>
  </tr>
  <tr>
    <td>
      <p><b>For our affiliates&#8217; everyday business purposes &#8211;</b><br />
      information about your creditworthiness</p>
    </td>
    <td class="text-center">No</td>
    <td class="text-center">We don&#8217;t share</td>
  </tr>
  <tr>
    <td>
      <p><b>For our affiliates to market to you</b></p>
    </td>
    <td class="text-center">No</td>
    <td class="text-center">We don&#8217;t share</td>
  </tr>
  <tr>
    <td>
      <p><b>For nonaffiliates to market to you</b></p>
    </td>
    <td class="text-center">No</td>
    <td class="text-center">We don&#8217;t share</td>
  </tr>
</table>

<table class="disclosures" cellspacing="0">
  <tr>
    <td class="title col-20">
      <h3>Questions?</h3>
    </td>
    <td class="col-80">
      <p>Call (509) 325-7228 or write to: 
        <br />
        Member Service Representative<br />
		Spokane City Credit Union <br />
		1930 N. Monroe <br />
	  Spokane, WA 99205</p>
    </td>
  </tr>
</table>

<table class="disclosures" cellspacing="0">
  <tr>
    <td colspan="2" class="title">
      <h3>What we do</h3>
    </td>
  </tr>
  <tr>
    <td class="col-30">
      <p><b>How does Spokane City Credit Union protect my personal information?</b></p>
    </td>
    <td class="col-70">
      <p>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.</p>
    </td>
  </tr>
  <tr>
    <td class="col-30">
      <p><b>How does Spokane City Credit Union collect my personal information?</b></p>
    </td>
    <td class="col-70">
      <p>We collect your personal information, for example, when you</p>
      <ul style="list-style:square;">
        <li>open an account or make a wire transfer</li>
        <li>apply for financing or show your government-issued ID</li>
        <li>show us your driver's license</li>
      </ul>
      <p>We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.</p>
    </td>
  </tr>
  <tr>
    <td class="col-30">
      <p><b>Why can&#8217;t I limit all sharing?</b></p>
    </td>
    <td class="col-70">
      <p>Federal law gives you the right to limit only</p>
      <ul style="list-style-position: inside; list-style: square;">
        <li>sharing for affiliates&#8217; everyday business purposes &#8211; information about your creditworthiness</li>
        <li>affiliates from using your information to market to you</li>
        <li>sharing for nonaffiliates to market to you</li>
      </ul>
      <p>State law and individual companies may give you additional rights to limit sharing.</p>
    </td>
  </tr>
</table>

<table class="disclosures" cellspacing="0">
  <tr>
    <td colspan="2" class="title">
      <h3>Definitions</h3>
    </td>
  </tr>
  <tr>
    <td class="col-30">
      <p><b>Affiliates</b></p>
    </td>
    <td class="col-70">
      <p>Companies related by common ownership or control. They can be financial and nonfinancial companies.</p>
      <ul style="list-style:square;">
        <li><i>Spokane City Credit Union has no affiliates.</i></li>
      </ul>
    </td>
  </tr>
  <tr>
    <td class="col-30">
      <p><b>Nonaffiliates</b></p>
    </td>
    <td class="col-70">
      <p>Companies not related by common ownership or control. They can be financial and nonfinancial companies.</p>
      <ul style="list-style:square;">
        <li><i>Spokane City Credit Union does not share with our nonaffiliates so they can market to you.</i></li>
      </ul>
    </td>
  </tr>
  <tr>
    <td class="col-30">
      <p><b>Joint Marketing</b></p>
    </td>
    <td class="col-70">
      <p>A formal agreement between nonaffiliated financial companies that together market financial products or services to you.</p>
      <ul style="list-style:square;">
        <li><i>Our joint marketing partners include loan recapture programs and insurance companies.</i></li>
      </ul>
    </td>
  </tr>
</table>
<p>DWAFX1 (DXPS01-E)</p>