ELCOSE FEDERAL CREDIT UNION

At Elcose Federal Credit Union, we are committed to providing you with financial products and services you require. Our commitment includes protecting personal information we retain about you (referred to as "information" in this notice) when you apply for or obtain a product from us to be used primarily for personal, family or household purposes.

We want to earn your trust by providing strict safeguards to protect information about you as we continue to bring you valuable products and services. Please read this online notice to learn about your privacy rights. Should any changes occur to this notice in the future, you will be able to determine this by referring to the "Last Revised" date at the bottom of this privacy statement.

For more information about our Privacy Practices, write to us at:

ATTN:  Compliance Officer
P.O. Box 409
Elkhart, IN 46515
Our Privacy Practices
Our Information-Sharing Practices Apply to:
• Customers
• Former Customers
• Applicants
We Collect Information from:
• Applications and other forms you submit (information such as your name, address, social security number, birth date and income)
• Your transactions with us and others (information such as account balances, fees, payment history, checks, incoming/outgoing wire transfers, and credit card usage)
• Our communications with you, including recent copies of checks and our responses to your inquiries
• Credit bureaus (to determine your eligibility for credit or other financial products)
Information We Disclose About You:
• We do NOT disclose any information about you to anyone, except as permitted by law.  Examples of this might include disclosures necessary to service your account or prevent unauthorized transactions.

Our Security Practices
We Have Safeguards to Keep Information Confidential and Secure:
• We maintain physical safeguards, such as secure areas in buildings; electronic safeguards, such as passwords and encryption; and procedural safeguards, such as customer authentication procedures to prevent ID theft.
• At Elcose Federal Credit Union, we restrict access to information about you to those employees who need to know that information to provide products or services to you.
• We carefully select and monitor the outside companies that we hire to perform services for us, such as mail vendors who sent out our statements. We require them to keep customer information safe and secure, and do not allow them to use or share the information for any purpose other than the job they are hired to do.
• We train our employees on these security procedures, and we conduct regular audits to verify our compliance with the procedures.
Your Opt-Out Choices
You have the right to limit when we may share information about you. You may also tell us when not to send you solicitations.
ADDITIONAL INFORMATION
We or our representatives may contact you by telephone, email or mail from time to time in connection with your account. Please note that we may monitor or record any calls we make or receive.

Privacy and Security Tips to Protect Your Account
• Protect your information. NEVER give your Social Security number or personal credit information over the phone or the Internet unless you initiate the communication. Keep your personal identification number (PIN) and password in a safe place. Try to memorize your PIN and password and do not write them down with your account information.
• Destroy and/or securely store your account records. Tear or shred receipts, bank statements and unused credit card offers. Keep billing statements and other account related documents in a safe place.
• Immediately report lost or stolen checks or credit cards.
• Memorize your personal identification numbers—don't carry them in your wallet.
• Promptly review all monthly financial statements and immediately report any discrepancies.
• Retain receipts from all ATM, debit and credit card transactions. When you're ready to dispose of them, make sure your account number is not readable.
• Immediately sign new credit cards.
• Report unusual telephone or e-mail inquiries or other suspicious activity to your telephone company or local law enforcement authorities.
• Learn about the children's Online Privacy Protection Act (COPPA) and follow the tips for parents at the Federal Trade Commission's Web site for children's privacy at http://www.ftc.gov/bcp/conline/edcams/kidzprivacy/index.html. We respect the privacy of your children, and we comply with the COPPA. We do not knowingly collect or retain personally identifiable information from individuals under the age of 13 online.
• Regularly review your credit report. Keeping your credit report error free is important. Order a copy of your credit report and report any mistakes to the credit bureau and the creditor reporting the information.
The three national credit bureau agencies are:

Equifax —www.equifax.com 1-800-685-1111
Experian —www.experian.com 1-888-397-3742
TransUnion —www.transunion.com 1-877-322-8228
• Check your billing statements. Review your statements thoroughly. Contact all your creditors immediately if you notice incorrect transactions.
• If you lose your credit card or suspect that you have been a victim of identity theft, immediately notify your creditors, local law enforcement and the credit bureau agencies listed above.
• Update your personal information as necessary by calling us using the customer service number on your account statement.
Important Information about Credit Reporting
We may report information about your account to credit bureaus. Late payments, missed payments or other defaults on your account may be reflected in your credit report.

Date last revised 06/05/2008