Legislation enacted by Congress requires that federally chartered financial institutions provide their customers or members with clear information about how information obtained by that financial institution is used. As you may know, many organizations sell their lists to others for the solicitation of various products. The legislation was aimed at providing individuals with an opportunity to "opt out" of these industry wide practices. It is the policy of the Artists Community Federal Credit Union to provide information about our members to others only as required by a court order or the law, or requested by a member regarding his or her own account. Since we do not provide information to others for marketing or commercial purpose, there is no "opt out" form attached. Should we change this policy at any time, you will be notified prior to implementation and provided an opportunity to "opt out." However, we want to give you clear information about how we collect information, what we do with it, and how we safeguard it. We welcome any suggestions or comments you may have, and if at any time, you feel your private information with us has been misused in any way, please call us immediately.

What We Collect: We collect non-public personal information about you from the following: information we receive from you on applications or other forms information about your transactions with us information we receive from a consumer reporting agency This Information helps us administer your accounts and ensures that we have ways of verifying that we are dealing with you when you contact us about your account. What We Disclose: We do not disclose any non-public personal information about our members and former members to anyone, except as permitted by law, or requested by a member regarding his or her own account. We make regular reports to a consumer reporting agency about members who have loans. This data is only what is legally permitted and relates to the size of a loan and the timeliness of payments received. Access and Security of Information: We restrict access to non-public personal information about you to those employees and/or Board members who need to know that information to provide services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your non-public personal information. (05/2004)

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