The directors, management, and staff of First Credit Union have been concerned about and respect the privacy of our members' personal financial information. We understand that our members furnish sensitive information to us and we are committed to treating such information responsibly. We know that our members expect privacy and security for their personal and financial affairs.

First Credit Union will take the necessary steps to safeguard sensitive information that our members have entrusted to us. The following Privacy Policy outlines practices regarding personally identifiable financial information for members and others with which we may establish a "member relationship."

1. Types of Information the Credit Union Collects. We collect and maintain nonpublic personal information as part of servicing your account and administering your credit union membership, such as: We collect nonpublic personal information directly from members, joint owners, co-borrowers, and guarantors on various applications and forms, for example, loan applications, deposit account applications, and requests for information about accounts or products and services; We collect information from outside sources, such as a credit bureau, regarding your credit history or employment status, or transaction information from share drafts (checks), debit cards, credit cards, automated teller machine (ATM) cards, and electronic transfers (for example, home banking or automated clearinghouses (ACH) transactions). Nonpublic personal information does not include information the credit union obtains from government records, widely distributed media, or government-mandated disclosures.

2. Safeguarding Member Information. At First Credit Union we are committed to protecting the security and integrity of member information through procedures and technology designed for this purpose. For example:

We use technological means (such as, backup files, virus detection and eradication software, fire walls, and other computer software and hardware) to protect against unauthorized access or alterations to member data. We endeavor to maintain the most accurate and up-to-date member records possible. If you find that your account information is not accurate, current, or incomplete, please call, e-mail or write to us at the telephone number or address on your account statement and we will make appropriate corrections. Since some e-mail transmissions maybe subject to interceptions, if your correspondence contains sensitive information (i.e., your account number or social security number) you may want to send a letter or facsimile to us.

3. Sharing Nonpublic Information and Affiliates. We may share certain personal information about you with our affiliated Credit Union Service Organization. We share information as permitted by law to provide you with better services and more options, such as, auto buying services. If we share "other than our own proprietary information" with our affiliate, we will provide a clear and conspicuous disclosure what information we may share and provide you an opportunity to opt out before sharing the information.

4. Sharing Nonpublic Personal Information and Non-Affiliated Third Parties. We will not disclose nonpublic personal information about you to anyone except as disclosed in this policy or as permitted by law.

5. Authorized Sharing - Joint Marketing. We may disclose all of the information we collect, as described above, with non-affiliated third parties that are acting in our behalf or are acting jointly with us, including:

6. Furnishing Negative Information to Credit Bureaus. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Sharing Nonpublic Personal Information and Former Members. We do not disclose nonpublic personal information about former members, except as permitted by law.

7. Member Account, Password, and Security. If a particular First Credit Union Web Site, or any product or service offered on any First Credit Union Web Site requires you to open an account, you must complete the registration process by providing us with current, complete and accurate information as prompted by the applicable registration form. You then will choose a password and a user name. You are entirely responsible for maintaining the confidentiality of your password and account. Furthermore, you are entirely responsible for any and all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. First Credit Union will not be liable for any loss that you may incur as a result of someone else using your password or account, either with or without your knowledge. However, you could be held liable for losses incurred by First Credit Union or another party due to someone else using your account or password. You may not use anyone else's account at any time, without the permission of the account holder.

8. Privacy Notice - Changes and Amendments. The policies and practices described in this disclosure are subject to change, but we will communicate any significant changes to you as required by applicable law. The policies and practices described in this disclosure replace all previous notices or statements regarding First Credit Union's Privacy Policy.