We know how important it is to you, our member, that your personal information maintained by Education Plus Credit Union remains safe and secure. Be assured, your credit union is committed to protecting your privacy, whether you conduct business with us by telephone, U.S. Mail, in person at one of our branch outlets or electronically via the Internet, ATM network, Voice Response or Home Banking. We respect your right to confidentiality and continuously take every possible measure to ensure that your personal information remains just that, confidential.

All Education Plus Credit Union employees are required to adhere to our Confidentiality/Nondisclosure Agreement, which includes maintaining the confidentiality of all credit union and member information. We do not collect or maintain information about our members that is not essential for prudent business purposes.

How we collect information
We collect information such as name, address, social security number, and assets and income directly from our members through membership applications, account and service applications, loan applications and related forms that you complete. We obtain information when verifying the information you provide on an application or other form, such as from your current or past employers or, from other institutions where you conduct financial transactions, and information, such as your account balances, payment history, parties to transactions, credit card usage and from your transactions with us. In addition, we obtain information regarding your creditworthiness and credit history from credit reporting agencies in connection with making loan decisions, making, servicing and collecting loans, and granting checking accounts and ATM/Debit card privileges. Information obtained from our members is kept secure and access to that information is limited within the credit union to personnel who need to know the information to provide products or services to our members and properly operate the credit union.

How we use collected information
We may disclose information we collect from membership and loan applications and other forms to our affiliated companies, such as:

• ONE's Technologies, Inc. (our data processing company)
• to companies that perform marketing services on our behalf
• to other financial institutions with whom we have joint marketing agreements, and
• to other related business partners

Education Plus Credit Union requires all recipients of nonpublic, personal information to adhere to our strict confidentiality and privacy policies. Federal law protects the information Education Plus Credit Union provides to credit reporting agencies and its use is strictly governed by the Fair Credit Reporting Act. We may also disclose information we collect about you under other circumstances as permitted or required by law. These typically include information to process transactions on your behalf, conduct the operations of the credit union, follow your instructions as you authorize or protect the security of our financial records.

Information collected from our web site
At Education Plus Credit Union, we believe that protecting the safety and privacy of our web site visitors is one of our fundamental responsibilities. The following information will help you to understand how we protect the information gathered from www.edpluscu.com.

Education Plus Credit Union collects information such as:

• user name
• e-mail address
• Internet Service Provider address
• access time and date
• clickstreams, and
• failed logon attempts

This information about members and former members is never disclosed to third parties except as permitted or required by law.

Education Plus Credit Union asks that you do not send information to us via e-mail. E-mail is not necessarily secure against interception.

Our web site may contain links to other web sites. Education Plus Credit Union is not responsible for the privacy practices of those sites. We encourage all users to read the privacy statement of all linked web sites.

Education Plus Credit Union does not knowingly solicit data from children. We recognize that protecting children's identities and privacy on-line is important and the responsibility to do so rests with both the online industry and parents.

If you have questions regarding the privacy and security of your confidential information, please contact us at (800) 732-1921

Important Information About the Personal Data Collected by Education Plus Credit Union and How It Is Used

To assure the continued privacy and confidentiality of your personal financial information, Education Plus Credit Union observes these practices and procedures:

Information We Collect
We collect nonpublic information about you from some or all of the following sources

• Information we receive from you on applications or other forms, such as name, address, social security number, assets and income.
• Information about your transactions with us, our affiliates, or others such as your account balance, payment history, parties to transactions and credit card usage; and,
• Information we receive from a consumer reporting agency, such as your creditworthiness and credit history.

Our Security Measures
We restrict access to nonpublic information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic and procedural safeguards that comply with Federal regulations to guard your nonpublic personal information.

Credit Union members and the public may receive copies of this notice of privacy practices by contacting Education Plus Credit Union.

This notice meets the notification requirements of the National Credit Union Administration regulation on privacy of consumer information, Part 716.