Privacy

Financial Resources Federal Credit Union is committed to providing you with financial products and services to meet your needs and reach your financial goals. We are equally committed to protecting the privacy of our members' financial records consistent with state and federal laws. You can feel confident knowing that your financial privacy is a priority of your credit union. The purpose of this privacy notice is to explain how we collect, use and safeguard your personal financial information. If you have any questions after reading this policy, please contact us at 800.933.3280 (long-distance) or 908.218.3200 (locally), option 4.

In the course of providing services to our members, we collect information about them. Some of this information is non-public personal information. We do not sell this non-public personal information but we share some of the non-public personal information with our service providers and others in order to better serve you. We share non-public personal information only with contractual safeguards to protect the confidentiality of your information.

Information we collect and disclose about you

We collect non-public personal information about you from the following sources:

• Information we receive from you on applications and other forms (for example, name, address, electronic mail addresses, social security number, assets and income);
• Information about your transactions with us, our affiliates or others including those companies that work closely with us to provide you with diverse financial products and services (for example, your account balance, payment history, parties to transactions and credit card usage);
• Information we receive from a consumer reporting agency (for example, your credit worthiness and credit history);
• 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; and
• Information we may obtain from consumer purchasing and census data providers to develop competitive marketing programs for our members.

Parties who receive information from us

Information to Non-Affiliated Third Parties

We may disclose all the information we collect, as described above, to non-affiliated third parties as permitted by law.

We are permitted to share non-public personal information to non-affiliated third parties that are service providers and joint marketers without your consent. We may disclose the above information to companies that perform marketing or other services on our behalf, to auditors, examiners, companies contracted to conduct auditing services, service providers, and/or to other financial service providers with whom we have joint marketing agreements. In addition, we may disclose non-public personal information about you to the following types of third parties:

• Financial service providers such as those providing securities, insurance, and mortgage services; and
• Non-financial companies such as consumer reporting agencies.

These agreements with third parties include confidentiality agreements to protect member information. It is important for you to understand that these entities are bound by the same privacy regulations to which we are subject to. We will not disclose information to third parties concerning your account with us, except:

• when such disclosure is necessary to complete the transactions;
• to verify the existence and condition of your account for a third party;
• to comply with a court order or applicable laws or regulations; or
• when you give us written permission.

Information to Our Affiliates

We may disclose non-public personal information about you to Financial Resources CUSO, LLC, which is a wholly-owned affiliate of ours, as permitted by the Fair Credit Reporting Act, in order to market various products, such as insurance and non-deposit investment products. We may share non-public personal information such as your name, address, phone number, account number, account balance and other transactional information such as your loan balance or your certificate maturity date with our affiliates. Since we are not a consumer reporting agency, we do not share non-public information with our affiliates regarding your "creditworthiness" or "personal characteristics."

Former Members

We do not share non-public personal information regarding former members to non-affiliated third parties except as permitted by law. However, we may share non-public personal information such as your name, address, phone number, account number, account balance and other transactional information with our affiliates.

How we protect your information

We restrict access to information about you to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your information.

Links and Internet Privacy

When you visit our web site, www.myfinancialresources.org to view any pages, read product information, or use our online calculators and tools, you do so without telling us who you are and without revealing any personal information.

There is a technology called "cookies," which provides a means of personalizing a Web experience, storing a user id for limited user access and other advanced Web site features. A cookie is a small amount of data that a Web site sends to your Web browser. Cookies serve to give the browser a memory so that it can use data that was input on one page in another. Cookies do not collect any personal, account, or identifiable information from your computer. Financial Resources uses cookies with its online account access so it may identify you during a user session. The cookies used are "session only" and are deleted once the browser is closed. You can set your web browser to notify you when you receive a cookie, giving you the chance to decide whether to accept it or not.

There are instances where you may elect to provide us personal information. If you e-mail us, you are transmitting various information that typically includes your name, mailing address, e-mail address, and any other information you include in the text of your e-mail message. You never transfer personally identifying information that you do not enter yourself. This is always an option; information cannot be collected unless you specifically elect to send it to us. This information is used internally only for the purpose of fulfilling the request or for contacting you directly and is not given or sold to any other organization.

Links Disclaimer

Occasionally, we will link our web site to other Internet sites as a convenience to our members. If you click onto the links set forth on our web site, you will be leaving Financial Resources web site and linking to an alternate web site not operated by us. Financial Resources is not responsible for the content of any of the web sites whose links are set forth, nor does Financial Resources represent any of the web sites listed on our web site, nor will Financial Resources represent you if you enter into a transaction at any of these sites. The privacy and security policies at the site set forth may differ from those practiced by Financial Resources.

What you can do to help protect your privacy

These simple guidelines can help you protect your privacy:

• Protect your account numbers, card numbers, PINs (Personal Identification Numbers) and passwords. Never keep you PIN with your cards.
• Use caution when disclosing your account numbers, social security number, etc., to other persons. If someone calls you and claims they're from your credit union to ask for your account number, please be aware. Credit Union staff that has access to your information will not need to ask for it.
• Keep your information with us, such as address or phone number, current. It is important that we have current information on how to reach you so we can contact you immediately if we detect or suspect potentially fraudulent or unauthorized activity or use of an account.