Privacy Notice

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.

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

• Social Security number and income
• Employment information and assets
• Mortgage rates and payments and wire transfer instructions

When you are no longer our customer, we continue to share your information as described in this notice.

All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Member Options, LLC chooses to share; and whether you can limit this sharing.

For our everyday business purposes —

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

For our marketing purposes —

to offer our products and services to you

For our affiliates’ everyday business purposes —

information about your transactions and experiences

For our affiliates’ everyday business purposes —

information about your creditworthiness

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.

We collect your personal information, for example, when you

• Apply for a loan or pay your bills
• Give us your contact information or pay us by check
• Provide your mortgage information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Federal law gives you the right to limit only

• sharing for affiliates’ everyday business purposes—information about your creditworthiness
• affiliates from using your information to market to you
• sharing for nonaffiliates to market to you

Companies related by common ownership or control. They can be financial and nonfinancial companies.

• Our affiliates include companies with a common corporate identity of Member Options, LLC; financial companies such as UVA Community Credit Union.

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

• Member Options, LLC does not share information with nonaffiliates other than for reasons permitted by law.

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

• Member Options, LLC doesn’t jointly market.