Notice of Your Financial Privacy Rights

We, our, and us, when used in this notice, mean HarborOne Credit Union. This is our privacy notice for our members. When we use the words “you” and “your” we mean the following types of members:

• Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):
• Deposit account
• Loan account
• Safe deposit box
• Automobile lease we service
• Retail installment loan
• Self-directed Individual Retirement Account
• Mortgage brokerage services

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

We first define some terms.

• Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term “information” to mean nonpublic personal information as defined in this section.

• An affiliate is a company we own or control. HarborOne Credit Union does not have any affiliates.
• A nonaffiliated third party is a person we do not employ or a company that is not an affiliate of ours. This is also known as nonaffiliated third party, or simply, an “other party.”
• Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

The Information We Collect

We collect information about you from the following sources:

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency
• Information we receive as a result of verifying member information

The Confidentiality, Security, and Integrity of Your Information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. Employees are responsible for and educated on the importance of maintaining the confidentiality of customers information. We maintain physical, electronic, and procedural safeguards to protect this information.

Your Information and Other Parties

We may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

• Information you give us on an application or other forms, such as:
• Name
• Address
• Age

You may opt out of the disclosure of the information listed above.

State Limitations

AL, AK, CA, ID and VT – We will not share this information about members who reside in Alabama, Alaska, California, Idaho or Vermont.

Types of Other Parties

We may disclose information about you to the following types of other parties:

• Financial service providers, such as:
• Insurance companies
• Investment agents

We may also disclose information about you to other parties as permitted by law.

Reasons for Disclosing

We may disclose information about you to other parties to provide you with information about additional products and services.

Information About Former Members

We do not disclose information about former members, except as permitted by law.

Authorized Sharing – Outside Marketing Services

We may disclose the following information to companies that perform marketing services on our
behalf:

• Information you give us on an application or other forms, such as:
• Name
• Address
• Information about your transactions with us, such as:
• Account balances
• Authorized Signers

We disclose the information listed above with companies that perform marketing services on our behalf. You do not have a right to opt out of the disclosure of this information. We may also disclose information about you to other outside marketing services as permitted by law.

Types of Businesses
Here are the types of businesses with whom we may disclose information for outside marketing purposes:

• Service providers that perform marketing services for us, such as:
• Marketing companies

Reasons For Disclosing
We may disclose information about you to companies that perform marketing services on our behalf to provide you with information about additional products and services.

Authorized Sharing – Joint Marketing

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

• Information you give us on an application or other forms, such as:
• Name
• Address
• Age

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

State Limitations

AL, AK, CA, ID and VT – We will not share this information about members who reside in Alabama, Alaska, California, Idaho or Vermont. Types of Businesses We may disclose information pursuant to joint marketing agreements to the following types of businesses:

• Financial service providers, such as:
• Credit companies

Reasons For Disclosing

We may disclose information about you to other financial institutions with whom we have joint marketing agreements to provide you with information about
additional products and services.

Your Right to Block the Disclosure of Your Information

Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your
right to “opt out.”

Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us. If you have obtained one or more products or services jointly, each owner or purchaser has a separate right to opt out. If one of you chooses to opt out of the disclosure of your information and any other does not, only information regarding the other parties who do not opt out will be disclosed. However, each joint owner or
purchaser may opt out of the sharing of information collected in conjunction with the product or service on behalf of all other joint parties.

If you wish to opt out of the disclosure of your information, you may do so by calling this toll free number: 1-800-244-7592 between the hours of 8:30 a.m to 5:00 p.m. Monday – Wednesday and 8:30 a.m. to 7:00 p.m. Thursday and Friday.