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Privacy Notice and Disclosures

Mil-Way Federal Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help you reach your goals. We are equally committed to protecting the privacy of our members. Under federal law, we are required to give you this privacy notice. It describes our credit union's privacy policy and practices concerning the personal information we collect and disclose about our members. It also includes information about the parties who receive personal and sometimes nonpublic information from us as we conduct the business of the credit union.

If after reading this notice you have questions, please contact us at: 1-870-772-0661

or write to:
Allen L. Brown
Mil-Way Federal Credit Union
2000 Arkansas Blvd.
Texarkana, AR 71854

Information We Collect About You
We collect nonpublic personal information about you from the following sources:
* Information we receive from you on applications and other forms
* Information about your transactions with us

We may disclose all of the information we collect, as described above,
as permitted by law.

Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:
* Financial service providers, such as insurance companies
* Non-financial companies, such as data processors, check/share draft printers, plastic card processors, and government agencies.

Disclosure of Information to Parties that Provide Services to Us
In order for us to conduct the business of the credit union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services. We may also disclose nonpublic personal information about you under circumstances as permitted or required by law. These disclosures typically include information to process transactions on our behalf, conduct the operations of our credit union, follow your instructions as you authorize, or protect the security of our financial records.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell the information we provide to other third parties.

Disclosure of Information About Former Members
If you terminate your membership with Mil-Way Federal Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

What Members Can Do to Help
Mil-Way Federal Credit Union is committed to protecting the privacy of its members. Members can help by following these simple guidelines:
* Protect your account numbers, plastic card numbers, PINs (personal identification numbers) or passwords. Never keep your PIN with your card, which can provide free 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 explaining the call is on behalf of the credit union and asks for your account number, you should beware. Official credit union staff will have access to your information and will not need to ask for it.
* Keep your information with us current. If your address or phone number changes, please let us know. It is important that we have current information on how to reach you. If we detect potentially fraudulent or unauthorized activity or use of an account, we will attempt to contact you immediately.
* Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

Web Site Privacy and Security Policy

As a member of Mil-Way Federal Credit Union , you don't have to worry about the security of your personal information. Just like you, we want all your personal information kept that way - personal and private.

When you give us information about yourself over our Web site, we use it to verify who you are, to keep your account with us secure, and to complete your transactions or business. Your personal information is private and we respect your privacy. The information you give us, stays with us. We have never sold and never will sell information about you to any third party. We never give your e-mail address to anyone, and we won't send you unsolicited e-mail. If we want to use your comments or correspondence, we'll always ask you first. (And we only use it if you give permission.)

At Mil-Way Federal Credit Union, your personal and account information is secure and private - always.

Internet Account Access Security

What kind of security is being used for Internet Account Access? Mil-Way Federal Credit Union uses the latest technology to protect your account information from exposure to unauthorized persons. Below are some of the components of this security system:

An account number and PIN are required to access the system.
128-bit encryption scrambles your transmissions when crossing the Internet.
After entering a PIN incorrectly three times, access to an account is blocked.
VeriSign, the recognized leader in Internet security, allows you to see the security features of our Internet Account Access program before you use it.
Your are responsible for protecting the secrecy of your PIN in accordance with the terms contained in your Membership Account Agreement. We recommend you not store secured pages in your cache or leave your computer unattended while you are logged into our Internet Account Access.

What is encryption?

Encryption takes meaningful text and numbers and scrambles them into numerical nonsense before transmitting them across the Internet. Your account information becomes "all mixed up and nonsense" when encryption is in place. For example, "pay $40 from checking to loan #1" could become something like "752144835628174317312".

The encryption process occurs for information going both directions - from your computer to the credit union and vice versa. Encryption uses complex algorithmic formulas to create a key that is used to translate the nonsense back to "pay $40 from checking to loan #1". There are billions of potential keys, and a different key is used for each Internet Account Access session. Your computer and Mil-Way Federal Credit Union's computer establish this key when they make your Internet Account Access connection.

Because there are billions of potential keys, it would take a thief several lifetimes to come up with the exact key a specific transmission uses. Netscape estimates the basic level of encryption (40-bit or international) would take a 64-MIPS computer a year of dedicated processor time to break. Domestic, or 128-bit, encryption is exponentially more difficult to break. That is why we suggest using only 128-bit encryption to give you the highest level of protection while using these Internet services.

Mil-Way Federal Credit Union employees treat security extremely seriously, and the privacy of member data is of utmost importance to us.

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Let us know if you have questions. Please do not hesitate to call us - we are here to serve you!

Texarkana, AR 870-772-0661 | Ashdown 870-898-3742 | Texarkana, TX 903-832-2004