GEMC Federal Credit Union Privacy Policy

GEMC FCU is committed to providing you with superior service and financial products which meet your needs and help you succeed in reaching your financial goals. We are required by law to provide you with this notice. After reading this notice, should you have any questions, please contact us at (770) 270-7851 or toll free 1-800-241-5374.

The following is a description of the information which we collect and disclose, including the parties who receive nonpublic information from us as we conduct routine business.

INFORMATION THAT WE COLLECT ABOUT YOU
We collect nonpublic personal information about you from the following sources:

• Information we receive from a consumer reporting agency;
• Information about your transactions with us, our affiliates, or others;
• Information we receive from your applications or other forms; and
• Information, which we received when verifying the information that you provide on applications or other forms, or from other institutions where you conduct financial transactions.

We may disclose all of the information that we collect, as described above as permitted by law.

DISCLOSURE OF INFORMATION TO PARTIES THAT PROVIDE SERVICE TO US
We may disclose all of the information we collect, as described above to the companies that perform marketing or other services on our behalf or to other financial institutions with whom we have joint marketing agreements. We only work with companies who agree to maintain strong confidentiality protections and limit the use of information we provide. As a result of these arrangements, we may disclose all of the information we collect, as described above. We do not permit these companies to sell the member information or reports to other third parties. We may also disclose information about you under other circumstances as permitted or required by law. These disclosures typically include information to process transactions on your behalf, conduct the operations of our credit union, follow your instructions as you authorize or protect the security of our financial records.

CATEGORIES OF PARTIES TO WHOM WE DISCLOSE INFORMATION

We may disclose nonpublic personal information about you to the following types of third parties:

• Financial service provider such as mortgage service companies and insurance companies;

Non-financial companies such as plastic card processors, data processing company, share draft check printers, consumer reporting companies, financial statement printing company and government agencies.

HOW TO EXERCISE YOUR OPT OUT OPTION

If you prefer that we not disclose nonpublic personal information about you to nonaffiliated third parities, you may opt out of those disclosures, that is, you may direct us not to make those disclosures ( other than disclosures permitted by law). If you wish to opt out of disclosures to nonaffiliated third parties, you may:

Call us at 770-270-7851 or toll free 1-800-241-5374. GEMC Federal Credit Union will comply with your opt out direction as soon as reasonably practical after we receive the notice.

JOINT OWNERS EXERCISING THE OPT OUT OPTION

GEMC Federal Credit Union will treat an opt out direction of any one of the consumers to apply to everyone on the account.

DISCLOSURE OF INFORMATION ABOUT FORMER MEMBERS
If you decide to terminate your membership with GEMC FCU, we will not share information that we have collected about you, except that permitted by law.

HOW WE PROTECT YOUR PERSONAL INFORMATION
We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. Our employees are trained in the importance of maintaining confidentiality and member privacy.

WHAT MEMBERS CAN DO TO HELP
Members can help by adhering to these guidelines:

• Protect your account numbers, personal ID numbers (PINS) and passwords. Always keep your PIN number and your cards in separate locations in the event that your card is lost or stolen.
• Use caution when giving out personal information. If someone calls you and states that they are calling from the credit union, please beware. Official credit union staff will already have access to your information.
• Keep your information current with us. If we detect potentially fraudulent or unauthorized activity on your account, we will need to contact you. Unless we have a correct address and phone number, we will be unable to readily make this information available to you.