Privacy Statement

You provide important information about yourself to a variety of businesses and organizations. The same is true when you do business with First Citizens� Federal Credit Union. For example, you are asked to provide us with certain personal information that helps us give you better service and complete your transactions more effectively.

We take every measure to safeguard the information you give to us. In fact, we developed the enclosed policies to ensure your confidentiality and maintain your confidence in our institution. These policies detail the strict standards we have in place. For this reason, we ask that you please read the following information carefully.

IMPORTANT INFORMATION ABOUT YOUR PRIVACY

Notice of Your Financial Privacy Rights

To assure the continued privacy and confidentiality of your personal financial information, your credit union observes these practices and procedures:

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

1. information we receive from you on applications or other forms;
2. information about your transactions with us, our affiliates, or others; and
3. information we receive from a consumer reporting agency

Our Security Measures
We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We also educate our employees about the importance of confidentiality and customer privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

Authorized Sharing Outside Marketing Services
We may disclose the following information to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements.

Nonpublic information we receive from you on an application or other forms, such as

• Name
• Address

Nonpublic Personal Information and Former Members
We do not disclose any nonpublic personal information about our members and former members to anyone, except as permitted by law. Federal law allows us to disclose the information above with companies that perform marketing services on our behalf. We may also disclose nonpublic information about you to nonaffiliated third parties as permitted by law.

Reason for Disclosing
Here is why we may disclose nonpublic personal information about you to companies that perform marketing services on our behalf:

To provide our members with information about additional products and services.