At the United States Senate Federal Credit Union, we do everything we can to protect the privacy of consumers and our members, including those who visit our Web site. We also value your time and your interest in our organization.

We place a high priority on ensuring the security and privacy of data pertaining to each consumer. The United States Senate FCU is aware that as members, you have entrusted us with your financial information and accounts, and have also shared personal information with us. This consumer data protection/privacy notice serves as a reference guide for consumers, members, credit union staff and management, regarding the protection of your data and privacy.

The United States Senate FCU Board of Directors and staff believe it is important to inform you of the data protection and privacy practices that we have instituted. We have:

1. Established specific security protection practices to ensure privacy of information.
2. Defined control methods to limit access to consumer information.
3. Formalized procedures and processes to ensure the maintenance of accurate information.
4. Established procedures and restrictions on disclosure of member account information.
5. Defined standards for consumer data collection, use, and methods of storage.
6. Required consumer data privacy covenants in third party service and business arrangements.
7. Ensured that our staff is committed to protect a consumer’s right to data privacy.
8. Disclosed to our members our privacy benchmarks and provided an overview of institution privacy practices.

To ensure that we successfully accomplish these priority practices, as an organization we have:

1. Established formal guidelines for management and staff to ensure that the protection of consumer data and staff awareness of data privacy are top priorities.
2. Developed and provided to potential and existing members a detailed notice about our data protection and privacy policy and practices.
3. Established guidelines to ensure that proper procedures and controls are in place to address those situations required by law when we must disclose non-public personal information about you.

Accuracy of Informat ion

Every effort is made to ensure that our records of your information are complete and correct. If an error is noted on your statement or in any other communication from us, please contact us at the number listed on your account materials as soon as possible.

The Collection and Use of Information

We need to collect information about you to conduct our business relationship. However, in order to protect your information, we maintain and enforce strict security procedures.

We collect non-public personal information about you from various sources, including:

• Information we received from you on applications, other forms, or other communication with you (e.g., name address, telephone number, social security number, income).
• Information about your transactions with us, our affiliates, or others (e.g., account balance, payment history, credit card transactions).
• Information we receive from a consumer-reporting agency (e.g., creditworthiness, credit history). We share non-public personal information about you to our affiliates and nonaffiliated third parties as permitted by law, including:
1. Financial services providers (e.g., securities brokers/dealers, mortgage lenders).
2. Service providers (e.g., marketing services, debt collection services).

The information we share about you to our affiliates and nonaffiliated third parties include:

• Information we received from you on applications, other forms, or other communication with you (e.g., name, address, telephone number, social security number, income).
• Information about your transactions with us, our affiliates, or others (e.g., account balance, payment history, credit card usage).
• Information we receive from a consumer-reporting agency (e.g., creditworthiness, credit history). We collect and share only the information from, and to, our affiliates and nonaffiliated third parties:
1. That is necessary to deliver quality products and services to our members; and
2. Is permitted by law.

If you decide to close your account(s) with us, or become an inactive member, we will adhere to the privacy policies and practices as described in this notice.
Only authorized and trained employees have access to member information. We are also continually assessing new technology, as it becomes available, to continue to best protect your privacy.

Right to Opt -Out

Consumers and members have the right to opt out of the sharing of non-public personal information, except for those situations permitted by law. You may exercise your right to opt-out by:

• Completing the Opt-Out of Data Sharing Form and returning the form to us.
• Writing to us with your account number, telephone number, address, name, and election to opt-out.
• Calling us and providing your account number, telephone number, address, name, and election to opt-out.
• Communicating to us via CU AnyHour.

We must provide you with a reasonable time to exercise your right to opt-out. You are allowed 30 calendar days after receipt of this notice to exercise your right to opt-out. Although you may elect not to exercise your right to opt-out at this time, your right to opt out never terminates and may be exercised as explained above. If you exercise your right to opt out, your election will be effective until revoked by you.

How to Contact Us

If you would like additional information, or have questions regarding the United States Senate FCU’s privacy policy, please telephone us at (202) 224-2967 if you are within the DC Metro Area, 1-800-374-2758 if you are outside the DC Metro Area, or e-mail us at privacy@ussfcu.org.

You may also write or stop by one of our offices and discuss your questions with one of our staff.

Adopted by the United States Senate FCU: February 22, 2001.