We want you to be aware of our policies with respect to the disclosure of nonpublic personal information about you that we have collected from you or others in connection with the financial products and services that we provide to you.

We recognize that the confidentiality of this information is extremely important to you and we hope that the information in this notice will assure you that we keep this information confidential as described herein. We will never sell your information to anybody.

We collect nonpublic personal information about you from the following sources:

1.      Information we receive from you on applications or other forms,

2.      Information concerning your transactions with us, or affiliates, or others, and

3.      Information we receive from any consumer reporting agency.

We will not disclose any nonpublic personal information about you while you are our member or thereafter, except (1) as permitted by law and (2) to nonaffiliated third parties that perform marketing services on our behalf or to other financial institutions with whom we have a joint marketing agreement (which, among other things, prohibits further disclosures by such nonaffiliated third parties except in accordance with law). The information that we may share with such nonaffiliated third parties includes the following:

1.      Information we receive from you on applications or other forms, such as your name, address, social security number, assets and income.

2.      Information about your transaction with us, our affiliates, or others, such as your account balance, payment history, credit card usage and the like, and

3.      Information we receive from any consumer reporting agency about you, such as your creditworthiness and credit history.

Nonaffiliated third parties and financial institutions to whom we may disclose your nonpublic personal information include the following types of third parties: insurance companies, investment advisors, and the like.

            We restrict access to nonpublic personal information about you to those of our employees who need to know that information in order to provide financial products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal standards to guard your nonpublic information.

            We are available to answer any questions which you may have concerning our policies with respect to your nonpublic personal information. You may call our Member Service Representative at (978) 744-1153.