IMPORTANT INFORMATION ABOUT PRIVACY & CONFIDENTIALITY   NEWRIZONS Federal Credit Union (NFCU) is committed to protecting members' privacy. It is the policy of the credit union to hold member information in confidence, subject to applicable legal requirements and standards. NFCU does not sell member information to non-affiliated third parties. ACCURACY OF INFORMATION NFCU will take reasonable precautions to protect the accuracy and reliability of the members' nonpublic personal information. The member provides this information to the credit union for the purpose of obtaining a financial product or service. The member is responsible for record updating from time to time in order to assure its accuracy. The credit union will respond to member requests to update information on accounts as quickly as possible. INTERNAL PROCEDURES As a part of NFCU commitment to protect the confidentiality of member account information, credit union employees are informed of the responsibility to protect confidential member information and are bound by this Privacy and Confidentiality Policy. Staff may access member account information only when necessary for business reasons. NFCU has also established appropriate security standards to protect against unauthorized access to member information. WHEN INFORMATION MAY BE SHARED NFCU only shares information for legitimate business reasons, with the ultimate goal of bringing the member greater convenience and more choices. The credit union shares member information with its affiliates and certain vendors with whom it has a contractual relationship to provide specific products and services such as insurance services, credit cards and account statements. These are frequently requested services that the credit union would not otherwise be able to provide. These vendors are prohibited from using member information for any purpose other than that for which they have been contracted. Personal financial information such as account balance or loan information may be shared under the following circumstances: When such disclosure is in compliance with the law, government agencies or court orders, When a third party is verifying the existence or condition of an account in accordance with applicable law, When necessary to complete a transaction, To protect secured assets or the assets of NFCU, When written permission is given, To share NFCU member's experience with consumer reporting agencies, such as credit bureaus. NON-DISCLOSURE OF INFORMATION TO AFFILIATES As a member of NEWRIZONS FCU, be assured that the confidentiality of account information is the rule, not the exception. Although information collected in conjunction with a member's account remains the property of NEWRIZONS FCU, members may choose to be excluded from receiving certain marketing materials. Members may choose to "opt out" of receiving offers of goods or services by direct mail, e-mail or telemarketing. If a member desires to "opt out" of receiving offers of goods or services by direct mail, e-mail or telemarketing, please request in writing to: NEWRIZONS Federal Credit Union 120 Firman Avenue Hoquiam, WA 98550 Request must include account numbers, and should be signed. One account owner's request will be considered binding for the purposes of opting out, or opting back into NEWRIZONS FCU affiliate programs. Opting out of NFCU affiliate programs will not eliminate information or solicitations from outside sources. However, reducing the amount may be attained by contacting the Direct Marketing Association and to have your name added to the Association's Mail Preference Service list of consumers who do not wish to be contacted by mail or via telephone for marketing purposes. A written request to "opt out" must include name, address, and telephone number in writing. Also provide any variations, as well as the names of other persons who may be living at the address.   Sign, date and mail to: Mail Preference Service c/o Direct Mail Marketing Assoc. P.O. Box 9008 Farmingdale, NY 11735-9008 The Direct Mail Marketing Association will retain this information for five years; at which time it will be necessary to resubmit. OBTAINING INFORMATION FROM AFFILIATES NFCU may purchase consumer information from reputable companies to assist in marketing efforts. Upon request, the credit union will provide the source of this information to interested parties. PRIVACY ON THE INTERNET NFCU uses firewalls that are designed to protect accounts from unauthorized access from outside the credit union. The credit union uses a cryptographic (digital certificate) key to secure account information sent between NFCU server, home banking server and member browser. This communication key encrypts the data sent and decrypts it when it is received. NFCU's Web Site contains links to other sites. The credit union is not responsible for the privacy practices or the content of such Web Sites. PROTECTING CHILDREN'S INFORMATION AND PRIVACY The online financial services offered through the credit union's website are not designed for or directed toward children under age 13. NFCU does not knowingly solicit or collect data from children, and does not knowingly market to children online without express parental consent or notification. If online information is received from any child the credit union will only use the information to respond directly to the child's request. It is recognized that protecting children's identities and online privacy is important and that responsibility rests both with the credit union and with parents. If it is believed a child has provided personally identifiable information, please contact the credit union at (360) 533-4760 or email creditunion@lambgh.com to review and delete such information. AVAILABILITY OF POLICY NFCU is proud of its commitment to member confidentiality, and will make this policy available to any consumer requesting it. This policy will be available on the NFCU's Internet Home Page. DISCLAIMER This policy does not address every possible contingency and circumstance. It is intended to provide guidance to NFCU management and members and is not intended to create enforceable legal rights in any individual case. NFCU bears no responsibility for any actions or policies of third party affiliates or non-affiliates. NEWRIZONS Federal Credit Union Board of Directors and Chairman of the Supervisory Committee may authorize exceptions to this policy. The credit union reserves the right to change this policy at any time, with or without notice. COMPLAINTS Because of NFCU'S high commitment to confidentiality of member information, complaints relating to this policy, or perceived non-compliance with the policy, should be forwarded directly to a member of the credit union's Supervisory Committee for prompt consideration. NFCU'S CEO can be reached by calling (360)533-4760. Correspondence directed to the Supervisory Committee should be addressed to: Supervisory Committee NEWRIZONS Federal CU P.O. 333 Hoquiam, WA 98550