Developed by Empire Web Pages on November 15, 1997.

Most recently updated on June 26, 2009.

NOTICE OF YOUR FINANCIAL PRIVACY RIGHTS

We, our, and us mean Fulton County Federal Credit Union.

This is our privacy notice for our members. When we use the words "you" and "your" we mean the following types of members:

Our consumer members who have a continuing relationship by purchasing or holding financial products or services such as a(n):

• Share account
• Loan account
• Credit card account
• Safe deposit box
• Automobile lease we service
• Retail installment contract we hold and service
• Self-directed individual Retirement Account
• Financial, investment, or economic advisory services
• Mortgage brokerage service

We will tell you the sources of the information we collect about you. We will tell you what measures we take to secure that information.

We first define some terms.

Nonpublic personal information means information about you that we collect in connection with providing a financial product or service to you. Nonpublic personal information does not include information that is available from public sources, such as telephone directories or government records. Hereafter, we will use the term "information" to mean nonpublic personal information as defined in this section.

An affiliate is a company we own or control.

A nonaffiliated third party is person we do not employ or a company that is not an affiliate of ours. This is also known a nonaffiliated third party, or simply, an "other party".

THE INFORMATION THAT WE COLLECT

We collect information about you from the following sources.

• Information you give us on applications or other forms
• Information about your transactions with us
• Information about your transactions with other parties
• Information from a consumer reporting agency

THE CONFIDENTIALITY, SECURITY AND INTEGRITY OF 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. We maintain physical, electronic, and procedural safeguards to protect this information.

YOU INFORMATION AND OTHER PARTIES

We do not disclose information about former members, except as permitted by law.

AUTHORIZED SHARING - JOINT MARKETING

We may disclose the following information to other financial institutions with whom we have joint marketing agreements:

Information you give us on an application or other forms such as:

• Name
• Address
• Encrypted account number
• Date of birth
• Date account opened

We disclose the information listed above with other financial institutions with whom we have joint marketing agreements. You do not have a right to opt out of the disclosure of this information.

Types of Businesses.

We may disclose information pursuant to joint marketing agreements to the following type of businesses:

• CUNA Mutual
• Benefit Consultants, Inc.

Fulton County Federal Credit Union
355 Hales Mills Rd., PO Box 232
Gloversville, New York 12078
Phone: (518)725-3191
Fax: (518)725-3404 & (518)725-3236
E-mail: union11@citlink.net