Your Financial Privacy

Members First Credit Union, your member owned financial institution, is committed to providing you with competitive products and services to meet your financial needs and help reach your goals. We are also very concerned about the safety and privacy of your personal account information. Information is fundamental to our ability to comply with our mission statement; to professionally and courteously serve the financial needs of our members. Yet, we also recognize how important it is that sensitive information about you remains confidential. We go to great lengths to safeguard the personal financial information you entrust to us.

Under Federal Law, we are required to disclose to you our privacy policy and practices concerning the personal information we collect and disclose about our members.

If after reviewing this information you have questions, please contact us at:
1-800-823-5231

Or write to:
Members First Credit Union
P.O. Box 657
Brigham City, UT 84302

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

• Information we receive from you on applications and other forms.
• Information about your transactions with us.
• Information we receive from a consumer reporting agency.
• Information obtained when verifying the information you provide on an application or other forms; this may be obtained from your current or past employers, or from other institutions where you conduct financial transactions.

We may disclose all the information we collect, as described above, as permitted by law.

Parties Who Receive Information From Us
We may disclose nonpublic personal information about you to the following types of third parties:

• Financial Service Providers, such as insurance companies and mortgage service companies.
• Non-financial companies, such as consumer reporting agencies, check/share draft printers, plastic card processors, government agencies, and member statement printer/mailers.

Disclosure of information to parties that provide services to us in order for us to conduct the business of the Credit Union, we may disclose all of the information we collect, as described above, to companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements so that we may provide members competitive products and services.

To protect our members' privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of the information we provide. We do not permit these companies to sell the information we provide to other third parties. We do not sell information to any third parties.

Disclosure of Information About Former Members
If you terminate your membership with Members First Credit Union, we will not share information we have collected about you, except as may be permitted or required by law.

How We Protect Your Information
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 maintain physical, electronic, or procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We work to protect your account and identification information from unauthorized access to ensure that account information remains secure.

In our Main office and Branch office locations, we actively seek to verify your identity through the use of photo identification, Personal Identification Numbers (PINs) or other identification before assisting you. Please don't be offended when a teller asks to see your identification. This is done for your protection and the protection of your account.

We take fraud protection measures (including keeping members' PINs, social security and/or Tax ID numbers and account number information in the strictest of confidence) in order to protect you.

We make every effort to keep your information files complete, up-to-date and accurate. When notified of an error, or changes in your information, we strive to promptly make those changes and corrections.

Web Site Security
Our Web site and e*teller account access are hosted and secured through LIBERTY ONLINE, a secure Internet based, frame relay communications network. Security of your information is a never ending process which includes:

•Physical security at data centers
•Secure, private financial frame relay network
•Firewalls
•Proactive Intrusion Detection and Monitoring
•Digital certificates through Verisign
•128 bit SSL Data encryption
•Virus scanning and screening
•No sensitive information is stored on Internet accessible servers
•Frequent testing, auditing and updating of systems

Removing Your Name from Promotional Mailings
At any time, you may contact us to remove your name from the promotional mailing lists we may share with credit union affiliated companies, to keep you informed about products related to your account that you may find valuable in managing your finances. To be removed from these lists, please send a request in writing to:

Members First Credit Union
Attn: Operations Dept
P.O. Box 657
Brigham City, UT 84302-0657

Please include the following: Your Members First account number; your social security or Tax ID number; full name; and address. This information should be included for each individual member who wishes this request to apply.

What Members Can Do to Help
Keeping your personal financial information private helps protect you from identity theft and possible financial loss. Here are some suggested steps you can take to protect yourself and your personal information:

Do not provide account numbers or personal information, including home phone numbers, Social Security numbers, driver's license numbers, credit card information, savings account or loan numbers unless you are sure you can verify the source of the request. Never supply this information to phone solicitors.

Tear up or shred discarded papers that include account numbers or other personal information. This includes old statements, receipts, and other correspondence.

Be very cautious in using credit cards on the Internet. Only use them on secure sites and with reputable retailers.

Review your account statements regularly and carefully. Report any unauthorized or suspicious activity immediately.

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