· Information we receive from you on applications or other forms;

· Information about your transactions with us or others;

· Information we receive from our sponsors;

· Information we receive from a consumer reporting agency; and

· Information we receive when verifying information you have provided us.

We may disclose all of the information we collect about our members and former members as described above to companies that perform marketing services on our behalf or to other financial institutions with which we have joint marketing agreements. We may also disclose nonpublic personal information about our members and former members to nonaffiliated third parties as permitted by law.

Metro Employees Credit Union restricts access to your personal and account information to those employees, directors and supervisory committee members who need to know that information to provide products or services to you or perform their duties under federal or state regulations. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.