ETMA FEDERAL CREDIT UNION

PRIVACY NOTICE

At ETMA Federal Credit Union, your privacy is top priority.  This notice describes how we protect the privacy of your personal information.  Throughout this notice, the word “information” refers to personal information about you that may not be publicly available.

Information that we collect and disclose to others

We collect information about you from the following sources:

¨      Applications and other forms you submit to us – such as name, address, income

¨      Information about your transactions with us  and others – such as account balance, payment history

¨      Consumer reporting agencies – such as credit worthiness, credit history

We may disclose all of the information that we collect, as described above.

Parties to whom we disclose the information

¨      Financial service providers, such as those that provide mortgage securities, credit card, and insurance services

We may disclose all the information we collect, as described above, to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.  We may also disclose information about you under other circumstances, as permitted by law.

If you decide to terminate your membership with us or become an inactive member, we will not share information we have collected about you, except as may be permitted or required by law.

We also follow the rules and regulations of the Fair Credit Reporting Act.

How we protect your information

We restrict 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 that comply with federal regulations to guard your information.