YOUR FINANCIAL PRIVACY RIGHTS
We, our, and us, when used in this notice, mean your 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:

• Consumer members who have a continuing relationship by purchasing or holding financial products or services such as a share account, loan account, or credit card account

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 will tell you what information we share about you with other entities. We will explain what your rights are, and how you can exercise them. If you share an account relationship with someone else, such as a joint account holder or co-borrower, we suggest that you share this information with such persons to ensure that each of you is aware of our policy and your options.

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

Opt out means a choice you can make to prevent certain sharing of information. We will explain how you can exercise this choice.

THE INFORMATION 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
• information we receive as a result of verifying member information

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.

YOUR INFORMATION AND OTHER PARTIES

We may disclose information to other parties. Here are the kinds of information we disclose to these other parties:

• information you give us on applications or otehr forms such as: name, address, assets
• information about your transactions with us, such as: account balances, payment history, deposit history

You may opt out of the disclosure of the information listed above.

Types of Other Parties

We may disclose information about you to other financial service providers such as securities broker-dealers and insurance agents. We may also disclose information about you to other parties as permitted by law.

INFORMATION ABOUT FORMER MEMBERS

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

YOUR RIGHT TO BLOCK THE DISCLOSURE OF YOUR INFORMATION

Other Parties. If you do not want us to share your information with other parties, you can block the release of certain information. This is known as your right to “opt out.” Your decision to block the disclosure of your information will apply to information collected from all products and services you receive from us.

If you have obtained one or more products or services jointly, an opt out instruction by any party will be effective for all of that party’s information we have collected and for all information collected in conjunction with the product or service for all other joint parties. If one of you chooses to opt out, no information we have collected about you will be shared, nor will we share information about any other joint party collected in conjunction with the product or service.

To opt out of the disclosure of your information, send us your request in writing (include your name, address, and social security number) to: Bulldog Federal Credit Union, 580 Northern Ave., Hagerstown, MD 21742.

YOUR ONLINE PRIVACY

Your online security is a top priority. The security architecture for this system allows you to access your accounts via the Internet without having your primary records on the Internet. Your records are accessed via a private communications line, much like an ATM transaction. The Internet Account Access system utilizes the latest encryption and authentication technology.

Security at the PC level includes password protection, a time out feature, cache security, an invalid logins feature, and more. Beyond password protection, Enhanced Login Security adds a powerful layer of protection to shield your accounts from unauthorized access at any computer. It identifies you as the “owner” of your accounts and employs a series of challenge questions as an additional line of defense against unauthorized users. To enroll yourself and your computer in this free feature, go to User Options and select Enhanced Login Security.

Security features that protect the information transfered from your PC to the Internet Banking system include encrypted URL, secure socket layer (SSL) protocol, and public-key cryptography.

Traffic entering the perimeter network, the main network for Web traffic, passes through a filtering/screening router. Finally, the secure network where information related to only Internet Banking travels is protected by a firewall, frame relay, and two filtering/screening routers.

Rest assured, every modern security measure is in place to ensure your online banking safety.