FACTS

WHAT DOES ONE SOUTH FEDERAL CREDIT UNION DO WITH YOUR PERSONAL INFORMATION

Why?

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.

What?

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 account balances

• checking account information and overdraft history

• credit history and payment history

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

How?

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 One South Federal Credit Union chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does One South Federal Credit Union share?

Can you 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

Yes

No

For our marketing purposes –to offer our products and services to you

Yes

No

For joint marketing with other financial companies

Yes

No

For our affiliates’ everyday business purposes – information about your transactions and experiences

No

We do not share

For our affiliates’ everyday business purposes – information about your credit worthiness

No

We do not share

For nonaffiliates to market to you

No

We do not share

Questions?

Call 601-442-4382 or go to www.onesouthfcu.com

What we do

How does One South Federal Credit Union protect my personal information?

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.

How does One South Federal Credit Union collect my personal information?

We collect your personal information, for example, when you

• open an account or use your credit or debit card

• apply for financing or give us your contact information

• make deposits or withdrawals from your account

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

Why can’t I limit all sharing?

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 non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions

Affiliates

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

• One South Federal Credit Union has no affiliates. .

Non-affiliates

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

• One South Federal Credit Union does not share with our nonaffiliates so they can market to you.

Joint Marketing

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

• Our joint marketing partners include insurance companies.

Other important information

Location Information. If you have enabled location information services on your phone and agree to the collection of your location when prompted by the Services, Mobiliti (our mobile banking app) will collect your location information when you use the Service; for example, to provide our fraud detection services. If you do not want Mobiliti to collect this information, you may decline the collection of your location when prompted or adjust the location services settings on your device.