HEALTHCARE
1st
Federal Credit Union

NOTICE TO MEMBERS OF
HEALTHCARE 1st  FEDERAL CREDIT UNION
  HEALTHCARE 1st Federal Credit Union’s Privacy Promise for Members

We need our members’ information to provide superior service.  However, our most valued asset is your trust. Keeping member information secure, and using it only as our members would want, is top priority for HEALTHCARE 1st Federal Credit Union and its employees. We promise you:

1.    We will safeguard, according to strict security/confidentiality standards, any information our members share with us.

2.    We will collect/use only the required member information to deliver superior service.  This required minimum allows us to advise members about our products, services and other opportunities, and to administer our business.

3.     We do not, nor will we, reveal member information to any external organization unless we have previously informed the member in disclosures or agreements, have been authorized by the member, or are required by law.

4.     Whenever we hire support service organizations, we will require them to conform in writing to our privacy standards.

5.     We will make a “good faith” attempt to keep member files complete, up-to-date, and accurate. We will tell our members how and where to conveniently access their account information (except when we're prohibited by law) and how to notify us about errors which we will promptly correct.

6.     We will continuously assess ourselves to ensure that member privacy is respected.

What kinds of information we collect: When you apply for a new account or a loan: We ask you for information about your financial status, such as employment, income, monthly expenses, e-mail address (if any) and assets. In most cases you give us this information yourself, in person or by mail. If we need to know about your credit and repayment history, we use third-party sources such as consumer reporting agencies and other creditors.

Once you become a customer: We maintain your transactional information with HEALTHCARE 1st Federal Credit Union, including account balances, repayment history, and other information.

How we use this information: Most information we collect is used for only one purpose: to aid in delivering the services you’ve requested, easily and efficiently. It also may assist us in designing and offering specific products and services that we believe will be useful to you.

Categories of Information that HEALTHCARE 1st Discloses About You: We do not disclose any member/former member’s nonpublic personal information to anyone, except as permitted by law. These disclosures typically include: information to follow your authorized instructions, i.e., adding a joint owner to your share draft account, to conduct Credit Union operations, or to protect our financial records’ security. To protect our member’s privacy, we only work with companies that agree to maintain strong confidentiality protections and limit the use of information we provide. We do not permit these companies to sell to other third parties the information we provide.

How HEALTHCARE 1st Protects Your Information: We restrict access to nonpublic personal information about you to those employees who have a specific business purpose in utilizing your data. Our employees are trained in the importance of maintaining confidentiality and member privacy. We maintain physical, electronic, and procedural safeguards that comply with federal regulations and leading industry practices to safeguard your nonpublic personal information.

HEALTHCARE 1st's Right to Amend: HEALTHCARE 1st reserves the right to amend this disclosure at any time without prior notice. This disclosure amends existing agreements that the Credit Union has with you.

HEALTHCARE 1st Federal Credit Marketing partners: From time to time, we will carefully select business partners to provide our members with specialized financial services such as debit/credit cards, share drafts, statement processing or insurance. Although these partners are not owned by or affiliated with HEALTHCARE 1st Federal Credit Union, they work closely with us to help us meet all of your financial needs. If appropriate, we may disclose to these core partners certain information such as:

• Information we receive from you on applications or other forms, such as your name, address, Social Security number, assets, or income;

• Information about your transactions with HEALTHCARE 1st Federal Credit Union, such as your account balance or payment history;

• Information obtained from specialized marketing information forms, such as household demographics; and

• Information we receive from consumer reporting agencies and others, such as your creditworthiness and credit history.

Our partners must agree in writing to strictly safeguard the confidentiality of customer information, and they are not allowed to disclose this information to anyone else without our permission.

Consumer reporting agencies: In accordance with standard banking industry practice, and as allowed under federal and state law, HEALTHCARE 1st Federal Credit Union routinely provides data about customer loan repayment and other transactions to these agencies and other creditors.

Courts and government entities: Certain federal and state statutes may require us to disclose information about you. For example, if you are involved in a third-party litigation, we may be ordered to provide a court or the other litigant information. In these circumstances, only the specific information required by law, subpoena, or court order will be disclosed.

Opt out of having information disclosed:  Since we do not share our member/former members’ nonpublic personal information, there is no opt out provision.

We respect your privacy:

As technology advances, HEALTHCARE 1st Federal Credit Union will provide the most up-to-date safeguards possible, keeping your personal financial information confidential and secure. We’re committed to protecting your privacy, whether you do business with us in person, by telephone or mail. As always, we thank you for choosing HEALTHCARE 1st .

Where to find out more:

     If you have questions, concerns, or comments about our privacy practices or the way your information is maintained and used, we’d like to hear from you. Please  write to:

HEALTHCARE 1st Federal Credit Union
c/o Memorial Hospital Medical Center
600 Memorial Avenue
Cumberland, MD  21502