Privacy Notice

Our Privacy Pledge to You

As our member you provide us with important information about yourself. We believe it is our responsibility to safeguard your peersonal and financial information. While some financial institutions share account owner information with other businesses, we are committed to keeping it confidential.

We have developed the following privacy policy to ensure you the confidentiality you deserve. You have our promise that we will adhere to these guidelines. It is our pledge to you.

Notice of Your Financial Privacy Rights

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
• Share account
• Loan account
• Credit card account

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

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing and 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.

A nonafilliated third party is a person we do not employ or a company that is not an afilliate of ours. This is also know as nonafilliated third party, or simply an "other party."

Nonpublic Personal Information and Nonafilliated Third Parties

We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

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 Disclose About You

We do NOT disclose any information about you to anyone, except as permitted by law. This might include disclosures necessary to service your account, perform joint marketing or prevent unauthorized transactions.

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. We maintain physical, electronic, and procedural safeguards to protect this information.

Information About Former Members

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