Introduction

Information privacy and security are real concerns in today's technology environment. CUNA Mutual Group values the trust you place in us as we conduct business. We are committed to protecting your personal privacy as you visit our Web site.

This web privacy statement covers the privacy and security practices of members.cunamutual.com. As a visitor to our site, you have the right to understand these practices prior to providing MEMBERS Financial Network (MFN) with personal information.

Information We Collect

The information we collect varies depending on the type of activity you are performing. Much of our Web site can be accessed without providing any personal information. On all pages that collect personal information, we specifically indicate what information is required in order to provide you with the product or service you have requested.

We collect information about you when you engage in the following activities:

• Browsing
• Using Financial Calculators
• Personalizing MFN
• Completing Online Applications or Enrollments
• Using "Signed In" Services

Browsing

When you visit our site, we gather information including page requests (URL requests), time of your visit, your IP address, operating system, Web browser software, and any HTTP cookies which were set during a previous visit to our site. This information cannot be linked to your identity. It is collected as a means of supporting your visit to our site. We also use the information to track site usage and generate statistics for analysis that influence future design enhancements.

Your IP address is collected for the sole purpose of tracking information and to compile statistics to help us improve the site so that visitors will find it more helpful and informative. The information is used solely for these analytical purposes and is discarded after use. IP address information is not distributed to third parties.

Financial Calculators

We offer financial management calculators to assist you in your personal financial analysis and planning efforts. The information necessary to perform the calculations includes personal financial information; however, this information does not include personal identifiers to link the information to your identity. The information you enter is stored in a database on our servers for a time period specified by you. The unique key to your information is stored in a cookie and can only be accessed through your PC where the cookie is stored.

Personalization and Optional Information

In order to offer more personalized content, you have the option of providing additional personal information to customize the information displayed to you in the Watch List and Market News sections. The information we collect for this purpose may include your first and/or last name, the links you request, marital status, number of children under 18, and any ticker symbols you enter for the Watch List and/or Market News. Supplying this type of information is always optional. It is simply used to provide a more personalized experience on the site.

Online Applications and Enrollment Forms

When you apply online for products or services, we need to collect personal information in order to complete your request. The personal information we collect varies depending upon the product or service for which you apply. We only require you to provide personal information as necessary to administer the product or service you have requested. This type of information is collected only with your consent. The following information may be collected:

• Name
• Date of Birth
• Gender
• Employment Information
• Address
• E-mail Address
• Telephone Number
• Social Security Number
• Online Contact Information
• Financial Information
• Third-party Individual Information (i.e. beneficiary information)

Physical, electronic and procedural safeguards that comply with federal regulations are maintained to guard your personal information. We restrict access to personal information about you to designated personnel who need to know that information to provide products or services to you or may be responsible to maintain security practices.

"Signed In" Services

Some applications offer online access to your account information. These applications require you to sign in as a member, by creating a User ID and password. Additional information may be required depending on the application or service. Some personal identifiers and/or general demographic information may be required to access services or special features. In some cases, the information is needed to grant your authorization to personal information. In other cases, the information is used to tailor offers of financial products and services to better meet your unique situation.

How We Use Your Information

Information collected through MEMBERS Financial Network may be used to:

• Improve the quality of your visit to our site
• Respond to your questions or suggestions
• Register you for Signed In Services
• Fulfill your online application or enrollment requests

How Long We Store Your Information

Planning tools or financial calculator information is saved for one hour unless you specify otherwise. Information that we store on our servers for Signed In Services is saved until you request that it be deleted. Information we capture through applications or enrollments is securely passed to the corresponding business area for completion.

Who We Share Your Information With

We limit the release of information. We will not sell customer information to telemarketing companies. We will share information only when necessary to administer products and services we provide, when we partner with credit unions or strategic partners to offer you a broader array of products and services, or when required by law.

We require strict privacy protections in our business relationships. We will engage in ventures only with credit unions and strategic partners that follow strict confidentiality provisions.

Control Over and Access to Your Information

We believe that you should have control over the accuracy of your personal information. You can delete or change your personalization information at any time by clicking on the Edit Profile link at the top of each page and editing your information. If you need help changing this information, contact us via a method described under "Contacting Us" below.

Cookies

A cookie is an element of data that a Web site can send to your browser, which is then stored on your system. You can set your browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it.

Our site makes use of cookies for the following purposes:

• Site administration and personalization
• Completing your request
• Analysis of visitors that is not tied to specific individuals

A cookie is useful for having the browser remember specific information across several pages or between visits to a site. We do not store any sensitive information within your cookie and we will use it only to provide you with excellent service. Also, our site does not read any information stored in cookies given to you from other web sites, except in rare cases where the other web site is a provider of information or functionality within our site and that cookie is necessary to make the site function correctly.

Browsers may be set up to display a warning when a cookie is used. Individuals may even disable their browsers from accepting cookies. In order to provide you with the best possible experience while visiting our site, please enable cookies within your browser. Many parts of our site will not function properly if you disable cookies.

If you would like to see the contents of your cookie, see the Help section located in your browser.

Linking To Third Parties

When you leave this Web site and go to another linked site, CUNA Mutual Group is not responsible for the content or availability of the linked site.

Please be advised that CUNA Mutual Group does not represent either the third party or you, the customer, if you enter into a transaction. Further, the privacy and security policies of the linked site may differ from those practiced by CUNA Mutual Group.

Protecting Your Information

We want our members and site visitors to feel confident using members.cunamutual.com, so we are committed to protecting the information we collect. We have implemented a security program to keep information that is stored in our systems protected from unauthorized access.

Our systems are configured with data encryption and industry-standard firewalls. We use Secure Socket Layer (SSL) technology and up to 128 bit encryption technologies to enhance security when you visit secured areas of our Web site. SSL is the industry standard tool for protecting and maintaining the security of message transmissions over the Internet. When you access your accounts or send information from secured pages, encryption will scramble your data into an unreadable format to inhibit unauthorized access by others.

More information concerning our Web Site Security Practices is available at CUNA Mutual Group's corporate site.

Changes to the Privacy Statement

This Privacy Statement was updated and posted on members.cunamutual.com on April 24, 2009. We reserve the right to modify or amend this Privacy Statement as needed. We will abide by the information privacy practices described in this Privacy Statement at the time you provided us with your information.

Contacting Us

If you have any questions concerning our privacy policy, please contact us at:

Mailing Address:
CUNA Mutual Group
MEMBERS Financial Network
2000 Heritage Way
Waverly IA 50677

Telephone Number:
(800) 798-6600

E-Mail Address:
MFN_Customer_Support_Mail@cunamutual.com